Tag Archives: credit reporting agencies

How Agencies Calculate Credit Score

October 23, 2008 – 9:03 pm

Calculate Credit Score

What Is good credit score ratings? You might ask yourself how some agencies calculate your credit score, and it is really made up of many pieces of information.

First, and most important is your payment history, which can be up to 2 years on any report, and this counts for up to 35% of your score.

Secondly, is your credit history, and how many times it has been requested. This counts for up to 10% of your credit score. Having too many requests, may reflect badly to some, and not to others.

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Equity Loan Rates - 4 Tips To Help You Find The Best Rate

October 22, 2008 – 9:01 pm

Equity in your property will allow you to find the best equity loan rates.  There are some tips that will help you.

Equity loan rates can vary a great deal depending upon so many different factors in today’s marketplace. In order to get the best possible rate, there are many steps you can take.  By following the steps of research and action, you will be able to limit the amount you pay overall when you take out this type of loan. An equity loan is one which uses the equity of the property in order to gain access to cash. Since rates vary, you should always choose loans that have low rates and don’t borrow any more than you must.

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If You Need to Report Identity Theft Then Do It Right

August 16, 2008 – 9:01 pm

How to report identity theft

Many police departments don’t want to deal with identity theft. So one of the first things you’re faced with as a victim of fraud is, “How should I report identity theft to police.?”

It’s not that the police want to turn a blind eye to crime. But identity theft isn’t like the physical crimes most law enforcement officers are used to dealing with. Most evidence of ID Theft activity happens in the realm of electronic databases and paper transactions.

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Home Loan Rate - Tips On Finding the Best Rate

July 30, 2008 – 9:00 pm

The home loan rate or interest rate is the largest single cost factor in obtaining a loan.  Here are some tips to make sure you get the lowest possible rate

The home loan rate applied to your home mortgage is the cost of the money that you have borrowed.  The money itself is called the principal, while the price you pay to borrow the money is considered the interest.  In addition, you can expect to pay at least a few of the closing costs on your home loan.  Usually, it is the seller who pays closing costs, but that is traditional, rather than a requirement.  Each and every factor that is associated with the acquisition of the loan itself should be explored.  A few dollars for a loan cost item, or a half percentage point on the loan rate can add up to thousands of dollars.

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How Credit Cards Can Affect Your Buying Power

June 3, 2008 – 9:01 pm

You can build or tear down your buying power by using credit cards.  Of course, you always want to be building your buying power!

Many people don’t really think of their credit as their buying power, but they should. When you have very little credit you’ll find that you have power, but not much. When you have excellent credit you’ll find that you have the ability to buy just about anything that you want.

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Increase Your Credit Score with Legal Credit Repair

May 14, 2008 – 9:01 pm

Legal credit repair techniques to help you increase your credit score.

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Credit Repair: Tips for Repairing Your Credit Report

May 13, 2008 – 9:01 pm

Learn how to repair your credit report and raise your credit scores.

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