http://www.articlealley.com en-us editorial@articlealley.com Credit held jointly can haunt you...especially after a divorce. With the divorce rate as high as it is (about 43% of all first marriages end within 15 years according to a study by the National Center for Health Statistics) be sure of your long-term relat... http://www.articlealley.com/article_187416_19.html 20th July 2007 "Do you take this man to be your lawfully wedded husband...for better and for worse...regardless of his credit scores?" OK, so maybe that's not exactly how most marriage vows go. But, how important are your potential spouse's credit scores in the grand... http://www.articlealley.com/article_184654_41.html 11th July 2007 OK, you've filed bankruptcy. Your credit isn't great, but you need to buy a car. So you go to the local car dealership and believe the salesman when he says... "Buy this car today at this high interest rate and we'll refinance you in 12 months at th... http://www.articlealley.com/article_181511_31.html 01st July 2007 One of the most important ways to achieve and maintain excellent FICO credit scores is to carefully manage your revolving credit.When I say, "revolving credit," I'm referring to any credit account you have where the monthly payment can vary. Credi... http://www.articlealley.com/article_175287_19.html 16th June 2007 I couldn't believe what I was seeing.I recently reviewed my wife's FICO scores and I nearly fell out of my chair...they suggested she was carrying balances on her credit cards that were too high.What?!It couldn't be...she never car... http://www.articlealley.com/article_170456_19.html 05th June 2007 Imagine this...You walk into a department store to purchase something you need. Then the friendly young person at the cash register says, "You can save 20% off your purchases today if you apply for our store credit card right now."Save... http://www.articlealley.com/article_162986_19.html 22nd May 2007 Imagine this... You walk into a department store to purchase something you need. Then the friendly young person at the cash register says, "You can save 20% off your purchases today if you apply for our store credit card right now." Save 20%? Wow!... http://www.articlealley.com/article_161890_19.html 21st May 2007 “...I'm sorry, my bank cannot help you. You're listed in ChexSystems...” My wife and I just moved from South Bend, Indiana to Indianapolis. We needed a checking account. We both wanted a fresh start after bankruptcy, and opening a new checki... http://www.articlealley.com/article_155257_19.html 04th May 2007 You know that one of the fastest ways to increase your credit scores is to simply increase the credit limits on your credit cards. But how and when do you ask for credit limit increases? There's a right way to do it and a wrong way.Increasing Y... http://www.articlealley.com/article_152568_63.html 27th April 2007 "...My wife and I purchased our FICO credit scores the other day. I was shocked to discover her credit scores were a lot higher than mine! Why? I make more money than she does, and almost all the credit is in my name..."I hear this all the ... http://www.articlealley.com/article_149757_63.html 19th April 2007 "...My wife and I purchased our FICO credit scores the other day. I was shocked to discover her credit scores were a lot higher than mine! Why? I make more money than she does, and almost all the credit is in my name..." I hear this all the time. It's ... http://www.articlealley.com/article_149401_19.html 19th April 2007 You're ready to buy a new car. You've done all your homework. You know your three FICO credit scores. You determine that your highest FICO credit score is from Equifax (also known as your BEACON score). So, you find a car dealer who uses your ... http://www.articlealley.com/article_143590_31.html 02nd April 2007 I have yet to find credit reports offered online that are easy to order and provide all the information you need.And, this is probably going to ruffle a few feathers, but it's true...even the free reports offered on the new federally mandated webs... http://www.articlealley.com/article_134058_63.html 02nd March 2007 "One of the quickest ways to increase your credit scores is to increase your credit card limits."Pretty simple, huh?Now let me explain why something so easy can have such a great impact.Let's imagine you have 10 credit cards... http://www.articlealley.com/article_131273_19.html 20th February 2007 "One of the quickest ways to increase your credit scores is to increase your credit card limits." Pretty simple, huh? Now let me explain why something so easy can have such a great impact. Let's imagine you have 10 credit cards each with a $1,000... http://www.articlealley.com/article_131261_63.html 20th February 2007 A credit inquiry is nothing more than a record of who pulled your credit reports and when. It's a federal requirement for the credit reporting agencies to keep a comprehensive record of these inquiries for 24 months.Some inquiries lower your credi... http://www.articlealley.com/article_125361_19.html 01st February 2007 "Hello, this is the fraud department of American Express, is Stephen Snyder available?"That's what my assistant Brenda heard when she answered the phone recently.I quickly called back.The gentleman asked if I recently purcha... http://www.articlealley.com/article_118686_19.html 10th January 2007 It seems simple enough.So simple that you've probably overlooked it.I know I did.This little trick I'm about to reveal to you never even occurred to me until I switched to using my American Express (AMEX) card as my pri... http://www.articlealley.com/article_114674_19.html 28th December 2006 You're getting ready to make a major purchase on credit and want to get the lowest interest rate possible. You know that paying down your credit cards will increase your credit scores.So that's what you do.You collect all your recent credi... http://www.articlealley.com/article_113308_19.html 19th December 2006 OK, so if you're bankrupt and you absolutely need to rent an apartment here's what I would do:• Purchase your FICO credit scores. You'll see why in a minute.• Make a list of all the apartments you're interested in renting.• Call each... http://www.articlealley.com/article_110973_33.html 08th December 2006 "I was just informed the interest rate on my credit card is jumping from 10% to 29%. I've never made a late payment. I called my bank and they told me it's because some of my other credit accounts were highly utilized."That's exactly what happened... http://www.articlealley.com/article_110492_19.html 06th December 2006 Staying married is tough. That's one of the reasons so many people give up.But staying together after a bankruptcy is really tough. Not only do you have your personal issues to work through, but you're constantly getting conflicting financial advi... http://www.articlealley.com/article_108868_63.html 29th November 2006 If you want to get approved at the best possible terms when buying a car, it's important you know a car lender's credit guidelines before you apply for credit...especially if you're bankrupt.It will save you time and frustration—but more importantly, it... http://www.articlealley.com/article_106891_19.html 18th November 2006 Personal bankruptcy? Kiss your dream job good bye...For quite some time, it's been standard for financial, gaming and government employees to have their credit reports checked by their employers. After all, we don't want criminals working in the g... http://www.articlealley.com/article_98477_19.html 10th November 2006 You've probably heard that insurance companies use credit scores to determine whether to even accept you, and if they do accept you, to determine what you'll pay for your premium. Well, that's almost right. Insurance companies don't use FICO credit ... http://www.articlealley.com/article_98231_19.html 09th November 2006 Less than 6% of the population in the United States can brag about having FICO credit scores above 800.It's an elite club.The benefit of having a score above 800 is that you're guaranteed credit approval with the best terms from the best l... http://www.articlealley.com/article_95664_19.html 20th October 2006 I want to address a question I've been asked a lot lately..."Why have my credit scores gone down since I last checked them even though I've made all my payments on time?"First let me tell you that the only way your credit score... http://www.articlealley.com/article_94250_19.html 12th October 2006