Credit Trap: What They Don’t Tell You About Credit Cards In College
R. Sharp asked: In industrialized nations, going into debt starts early. It’s easy for an eighteen-year-old to get credit cards and fall into debt, especially if they’re headed for college.I remember my first year in college as a 17 year old. Credit card offers were plastered all over the university campus. I don’t know what [...]
Build Credit From Scratch – 5 Ways to Establish a Solid Credit History
Ann-Marie Murphy asked: If you just turned 18, it’s time to start thinking about credit and your financial future. Your credit report will affect almost every important financial move you’ll make, including buying a home or car. It may even affect your chances of getting a job, as employers can check your credit report during [...]
Sample Dispute Letter To Credit Bureau – A Letter That Works
Tayo Binuyo asked: A good sample credit repair dispute letter is the beginning of a successful credit repair campaign. There are a number of different kinds of credit repair letters. You have dispute letters to the credit bureaus, negotiation of debt letters to collection companies and cease and desist letters. One of the first credit [...]
What Credit Score Do I Need to Buy a House?
James McKerr asked: With so much talk about the credit crunch and so called sub prime if you are wanting to buy a house your credit score has never been so important.As a direct result of the credit squeeze, mortgage lenders have had to tighten their lending criteria significantly meaning that they now are paying [...]
Credit Repair – ‘Identity Issue’ Solutions
Ian Webber asked: Credit Repair and Your Identity There are credit repair techniques for everything from repairing errors on your credit report to dealing with identity issues. In all cases an intimate knowledge of relevant legislation is helpful in resolving the problem quickly. If you have concerns about illicit use of your identity credit repair [...]
Credit Score Range – Get the Facts
Tom Allen asked: There appears to be a fair bit of bafflement in relation to the question of what is a good credit score range. The basics are actually fairly simple. To have any sort of chance of getting a loan or credit card with reasonable terms and conditions, you really need to have a [...]