Articles from Article Alley, tagged with "credit habits" http://www.articlealley.com en-us editorial@articlealley.com How to Get Cheap Car Insurance for Teenagers Finally, your children have reached the age where you’ve got a new driver in your household, which means you most likely need new car insurance for your teen added to your current policy. This can be a very stressful situation for a lot of parents because... http://www.articlealley.com/http://amitkothiyal.articlealley.com/how-to-get-cheap-car-insurance-for-teenagers-2369839.html 07th October 2011 How to Manage a Student Loan Going to college is an exciting way to prepare for the future. Many students use college loans to pay for their schooling to learn about their chosen field and earn an education. Student loans can be used to fund all of their college expenses or as a supp... http://www.articlealley.com/http://artjones.articlealley.com/how-to-manage-a-student-loan-2218841.html 09th May 2011 Defaulted Student Loans and Your Credit Score Exactly how one negative item will affect your credit score is somewhat of a mystery and has been the subject of much criticism of the three main credit bureaus. How a defaulted student loan on your credit report affects your credit score will differ from... http://www.articlealley.com/http://natalie2.articlealley.com/defaulted-student-loans-and-your-credit-score-2124752.html 17th March 2011 Consolidate Your Debt by Qualifying Bad Credit Mortgage Refinance Loan Homeowners with bad credit cannot contemplate the application of a mortgage refinancing. In many cases, assume that your loan application will be denied due to low credit rating. By contrast, many homeowners have been refinancing their mortgages despite p... http://www.articlealley.com/http://loansstore.articlealley.com/consolidate-your-debt-by-qualifying-bad-credit-mortgage-refinance-loan-2073087.html 25th February 2011 Credit Repair Needed Now Than Ever Though many consider the world financial crisis that commenced in 2007 has reached its nadir as well as is now on the upward rise, the harm to financial institutions and individuals has already been accomplished. Following the onset of the recession, ... http://www.articlealley.com/http://paulwise.articlealley.com/credit-repair-needed-now-than-ever-2069847.html 25th February 2011 3 Things to Remember to Use Credit Wisely Our poor credit habits have bit us back where it hurts the most. We've been so accustomed to taking loans with almost all our big purchases, or set with the "pay later" mantra of credit cards that we even feel entitled to spend and swipe. The complex form... http://www.articlealley.com/http://davidstack.articlealley.com/3-things-to-remember-to-use-credit-wisely-1866148.html 24th November 2010 Credit Card Repair: Advice regarding Debt Collectors Credit card repair is the process of actively improving or rehabilitating one's credit worthiness amongst creditors. There are many elements to credit card repair and it is imperative that individuals seek proper guidance based on their specific credit h... http://www.articlealley.com/http://simeonknight.articlealley.com/credit-card-repair-advice-regarding-debt-collectors-1773190.html 01st October 2010 Why You Should Beware Of Debt Consolidation Loans Loans might not exactly always give the best solution for your budgetary troubles, and there are many invisible potential risks that may ultimately make your overall predicament a whole lot worse, not better. Avoid Debt Consolidation Loans mainly because ... http://www.articlealley.com/http://lemueloliver.articlealley.com/why-you-should-beware-of-debt-consolidation-loans-1731630.html 06th September 2010 Five Ways to Plan Ahead When Buying Your First Home First off, one is never too young to plan on buying a home of their own. A parent teaching their young child the benefits of home ownership will often lead to a conversation about college and being a professional. As a child gets older, even college age... http://www.articlealley.com/http://marianne.articlealley.com/five-ways-to-plan-ahead-when-buying-your-first-home-1664495.html 20th July 2010 Quick Loans For People With Bad Credit-Avail Instant Loan With Low Credit Score Quick loans for people with bad credit are basically for those who can't obtain funds for urgent needs just because of their low credit score. Some consumers have terrible credit habits, which contributes to a low credit rating. Although credit mistakes a... http://www.articlealley.com/http://aldennjames.articlealley.com/quick-loans-for-people-with-bad-creditavail-instant-loan-with-low-credit-score-1547506.html 14th May 2010 Rebuilding Credit History After Problematical Times For most people these are times of terrible trauma. But times change and situations change so don't let the reprieve than comes when the salary and finances get back in line be overshadowed by the troubles left on the credit report. Following experienc... http://www.articlealley.com/http://renewoolley560.articlealley.com/rebuilding-credit-history-after-problematical-times-1444164.html 11th March 2010 Easy Steps To Boost Your Credit Score For those interested in buying your own home, there's a very important factor that creditors consider when deciding the interest rates of your loan. Your credit rating. A credit score is a numerical description of your financial trustworthiness and usuall... http://www.articlealley.com/http://tabuchpuqbra.articlealley.com/easy-steps-to-boost-your-credit-score-1324699.html 05th January 2010 How to Get Personal Loans after Bankruptcy? – Make the Right Moves! Bankruptcy is one of the worst things you can have on your credit report. However, almost anyone can get credit after filing for bankruptcy. It's just a matter of knowing how to do it. Two Things to keep in mind after you Filed for Bankruptcy: * Use... http://www.articlealley.com/http://scottaclark.articlealley.com/how-to-get-personal-loans-after-bankruptcy--make-the-right-moves-1321606.html 04th January 2010 Basic Tips For Students To Improve Their Credit Score Here are some basic tips to obtain the best credit scores: 1. Budget Carefully Student loans need to be paid back and are more and more often for large amounts. Taking out the smallest loans you may and sticking to a budget may assist establish fant... http://www.articlealley.com/http://johnstocker.articlealley.com/basic-tips-for-students-to-improve-their-credit-score-1225134.html 10th November 2009 4 Steps to Get Good Credit I'm sure we can all agree on how important it is to have a good credit rating. This is because your being viewed as worthy of credit is based on your credit score which means your credit habits- good or bad. Here are 4 steps to get good credit. But ... http://www.articlealley.com/http://larryltaylor.articlealley.com/4-steps-to-get-good-credit-1179037.html 16th October 2009 What is a Pre-Paid Card? Should I use a Pre-paid Card for my Children?Many parents normally use a pre-paid credit card to give their children an allowance or money for clothes or other expenditures. You may be wondering if this is a good idea or are there other options? There a... http://www.articlealley.com/http://caseyjones.articlealley.com/what-is-a-prepaid-card-1166375.html 12th October 2009 A Way That You Can Get Access To Your Free Credit Report No Credit Card To know what information is kept about your expenditure when it comes to your credit habits and repayments should be something everyone is able to have access to. There are many reasons you may wish to see it, maybe you are finding it hard to get credit f... http://www.articlealley.com/http://andyzain.articlealley.com/a-way-that-you-can-get-access-to-your-free-credit-report-no-credit-card-1086691.html 16th September 2009 Make Your FICO Score Higher-Tips to Make Your Fico Better Tactics to Make Your Fico BetterConsumer credit scores are currently used to assess bank risk and end user creditworthiness for everything from borrowing funds to buying a residence or to getting vehicle insurance. Invented by Fair Isaac Corporation in th... http://www.articlealley.com/http://darinsewell.articlealley.com/make-your-fico-score-highertips-to-make-your-fico-better-1047394.html 23rd August 2009 4 Steps to Creating Good Credit As a consumer you've learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit ratin... http://www.articlealley.com/http://dbp2005.articlealley.com/4-steps-to-creating-good-credit-1026873.html 10th August 2009 My Credit Score Isn't That Important, Is It? In these economic times, it pays to have a good or high credit score. Unfortunately, also in these economic times, most of us have some financial worries or gaps in our credit history. When you get a low or bad credit score, it can affect almost every a... http://www.articlealley.com/http://bennetelway.articlealley.com/my-credit-score-isnt-that-important-is-it-980123.html 16th July 2009 How do I find Mortgage and Debt Assistance? There are hundreds of debt consolidation companies that will help you pay off your bills by lowering your payments and interest rates. For a fee they will put you on a debt consolidation program to systematically pay off all of your debts. What if you are... http://www.articlealley.com/http://julietsadler.articlealley.com/how-do-i-find-mortgage-and-debt-assistance-976806.html 11th July 2009 Your Credit Utilization Ratio Credit utilization ratio - a significant factor in your credit score Most consumers who keep a close eye on their credit score know exactly what a credit utilization ratio is; it's the percentage of your total credit limits that you actually use. A b... http://www.articlealley.com/http://robertpalmer.articlealley.com/your-credit-utilization-ratio-946642.html 22nd June 2009 Five Ways to Rebuild Credit With Credit Cards If you want to rebuild credit, you can do so with the right credit cards. After applying for a card, you can develop habits that will help increase your score. Once you have a better rating, you'll find more financial opportunities. Here are five ways to ... http://www.articlealley.com/http://stephanieandrews.articlealley.com/five-ways-to-rebuild-credit-with-credit-cards-927135.html 11th June 2009 Is a Cash Back Credit Card In Your Future? When shopping for a new credit card, often, consumers make the mistake of focusing mostly on the two characteristics that we hear about the most: the interest rate and the fees. While these two items are very important and should be considered carefully... http://www.articlealley.com/http://timparker.articlealley.com/is-a-cash-back-credit-card-in-your-future-914248.html 04th June 2009 Going to College? Consider a College Student Credit Card If you're a parent of a college student it may be a source of great anxiety. If you're a student getting ready to start the next stage of your life, it's another piece of freedom that you have been waiting all of your life to gain. What is it? Your fir... http://www.articlealley.com/http://timparker.articlealley.com/going-to-college-consider-a-college-student-credit-card-894292.html 15th May 2009 Healthy Credit Habits Repairing your credit entails getting rid of the negative credit report information and catching up on your overdue bills. This could raise your credit score but might not be enough to make you credit worthy again. However, to raise your credit score high... http://www.articlealley.com/http://julietsadler.articlealley.com/healthy-credit-habits-893327.html 15th May 2009 Your Credit Rating Improves With Debt Consolidation Many people, if asked, could tell you that they have had issues with finances in the past, what they may not tell you, however, is that a debt consolidation loan is what saved them. These loans are made available to help those that are in a bind financial... http://www.articlealley.com/http://alisdaircosgrove.articlealley.com/your-credit-rating-improves-with-debt-consolidation-841874.html 30th March 2009 Bad Credit Repair Bad credit stops you from obtaining mortgages and loans, or making any purchases on credit. Generally, consumers who accumulate large credit debts and do not pay those debts earn bad credit ratings. A person who tries to obtain credit with poor credit sco... http://www.articlealley.com/http://johnchase.articlealley.com/bad-credit-repair-840050.html 27th March 2009 Change Your Financial Outlook By Consolidating Your Debts There are many people who have had problems in the past with their finances, but what they may not share with you, is that they were helped to get away from the situation by a debt consolidation loan. These types of loans are there to help people who are ... http://www.articlealley.com/http://alisdaircosgrove.articlealley.com/change-your-financial-outlook-by-consolidating-your-debts-813445.html 09th March 2009 How Do You Consolidate Debt? There are many people who have had problems in the past with their finances, but what they may not share with you, is that they were helped to get away from the situation by a debt consolidation loan. When people are in a bind financially and having credi... http://www.articlealley.com/http://alisdaircosgrove.articlealley.com/how-do-you-consolidate-debt-810703.html 06th March 2009 Is your company's Cash flow blocked? Unplug it with a business credit card. For many small businesses, cash flow is all; suppliers have to be paid, items have to be bought and sometimes you just can't wait for a customer to settle their invoice. At times like these, a business credit card can be the most effective way to manage y... http://www.articlealley.com/http://hannahcallen.articlealley.com/is-your-companys-cash-flow-blocked-unplug-it-with-a-business-credit-card-727183.html 19th December 2008 10 Things that Pull Down Your Credit Score Have you ever thought about why your credit history isn't as impressive as you would have wanted it to be? See if any one of these ten things or bad credit habits could be the reason for your low credit score: 1. Old accounts that have been closed. B... http://www.articlealley.com/http://allissonmay.articlealley.com/10-things-that-pull-down-your-credit-score-677680.html 30th October 2008 Sign online home equity bad credit loans-Improve your credit history Bad credit history may be the biggest problem while you are thinking about get a home equity loan . If you want to get a loan for your home then it is an important factor for a bank or lender who going to provide home loan that have you a clean and cle... http://www.articlealley.com/http://darylstewart.articlealley.com/sign-online-home-equity-bad-credit-loansimprove-your-credit-history-675136.html 27th October 2008 Getting Approved For a Low Rate Car Loan Even With Bad Credit If bad credit car loan candidates go out in market only one or two lenders come forward to offer an auto loan, for them online financing can be a great time saver. As the online lenders have many subprime lenders in their network who offer many loans to a... http://www.articlealley.com/http://williamsorchard.articlealley.com/getting-approved-for-a-low-rate-car-loan-even-with-bad-credit-673109.html 23rd October 2008 Finance Your Future If You Consolidate Debts There are many people who have had trouble in the past with finances and what you may not find out is that they were saved from these issues by a debt consolidation loan. These types of loans are there to help people who are in a financial bind and th... http://www.articlealley.com/http://alisdaircosgrove.articlealley.com/finance-your-future-if-you-consolidate-debts-669792.html 21st October 2008 Discover Business Credit Card: a New World of Possibilities Business Credit Cards -Securing the Financial Stability and Serve as an Emergency Mitigating Method It is a useful tool for business owners in providing a strong financial support for the smooth flow of business operations. It allows the company to m... http://www.articlealley.com/http://james32.articlealley.com/discover-business-credit-card-a-new-world-of-possibilities-642570.html 19th September 2008 Debt Relief If you have a ton of bills then looking for debt relief help to solve your financial problems just may be the answer. There are a few things to consider when starting to look for debt relief. Whether you are trying to get out from under astronomical bills... http://www.articlealley.com/http://thomas13.articlealley.com/debt-relief-583912.html 22nd July 2008 What Do You Mean I’m Not Qualified? You have all heard the news about the mortgage crisis in America. For investors, the mortgage crisis is about defaulted loans, but for the average American, the crisis means being unable to qualify for a new mortgage or being unable to pay for the mortgag... http://www.articlealley.com/http://jillrussofoster.articlealley.com/what-do-you-mean-im-not-qualified-557531.html 18th June 2008 Are you about to loose your home to foreclosure? This is where you may want to find a bank or lending institution where you can get your home remortgaged to catch up on your back payments and pay off your outstanding debts. You will also be paying one payment per month with no fees to pay. If you want t... http://www.articlealley.com/http://doyourock.articlealley.com/are-you-about-to-loose-your-home-to-foreclosure-516425.html 13th April 2008 Low credit score ? A low credit score used to prevent many from obtaining home loans, credit cards, personal loans and payday loans. Because bad credit can quickly improve, many lenders have become more flexible in their lending criteria. Many of them are now ready to offer... http://www.articlealley.com/http://janerikhaugen.articlealley.com/low-credit-score--513069.html 08th April 2008 Credit Does Matter Yes, approved! No, not approved! We have reduced the result of a credit transaction to the two previous statements. Credit is not just a situation or a circumstance credit is a life-style. A life-style that can be richly fulfilled with the appropriate... http://www.articlealley.com/http://frankcarrasco.articlealley.com/credit-does-matter-462935.html 28th January 2008 Getting Your First Credit Card Getting your first credit card is a major stepping stone to financial independence. It's nice to be able to cover surprise expenses or emergencies without having to borrow money from relatives. You will have the freedom to make purchases based on an antic... http://www.articlealley.com/http://robertpalmer.articlealley.com/getting-your-first-credit-card-458999.html 23rd January 2008 Real Estate & the Sub-Prime Mortgage Bust "If you've been paying attention to the real estate market over the last couple of years, you've probably heard the term "sub-prime mortgage bust". You might even have a vague idea that this is a current real estate problem which is causing problems in th... http://www.articlealley.com/http://kinanbeck.articlealley.com/real-estate--the-subprime-mortgage-bust-197787.html 07th August 2007 Four Steps To Good Credit As a consumer you've learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating ... http://www.articlealley.com/http://seanmatteson.articlealley.com/four-steps-to-good-credit-197172.html 03rd August 2007 Building Business Credit After Bad Credit Building Good Business Credit After Bad CreditBy Gerri DetweilerCan you establish good business credit if you have badpersonal credit? The answer is yes...but with a few caveats.Business credit reports and personal credit reports aregenerally completely s... http://www.articlealley.com/http://www.articlealley.com/building-business-credit-after-bad-credit-116465.html 04th January 2007