What Your Credit Score Means and Why It’s Important (Guest Post)
Mar16

What Your Credit Score Means and Why It’s Important (Guest Post)

In today’s struggling economy, a good credit score is more important than ever.  A credit score that was good enough to get a loan in the past may not cut it as easily today. Creditors are tightening the reins on lending, while credit scores are increasingly touching on more and more aspects of a consumers financial life. Insurance companies use them as a component of their pricing engines, employers use them to screen employees and...

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Credit Card Craziness!
Feb07

Credit Card Craziness!

Credit card companies sometimes do some really strange things that just confuse me. I have a card that I do not use currently because I am getting better offers from some other cards. I received a new card in the mail from the company and this immediately spurred me to check my credit report because I had not ordered a new card. The expiration date on the current card was far away and since I was not using the card I knew exactly...

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0% Balance Transfer Offer That I CAN Refuse
Dec31

0% Balance Transfer Offer That I CAN Refuse

Normally I encourage people to take up 0% balance transfer offers and I wish I would get more offers myself. However, I must warn you that just because it says 0% that does not mean it is always the best deal for you. I just got an offer for a 0% balance transfers from one of my better cards….but after reading it carefully I decided to refuse the offer. Here are the terms: * 0% until 04/09 * 4% balance transfer fee Now I will...

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Update on Credit Scores

As of April 29th my credit scores were as follows: Experian 739 Equifax 729 Transunion 748 These scores are all in the excellent range but they were not able to help me get a better rate on my car loan because I am currently upside down on the car loan. I noticed that I am listed on some credit cards that do not ‘belong’ to me in the strictest sense of the word. Honey added me as an authorized user on two of his credit...

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How I Save Money Gives Credit Report Advice
May12

How I Save Money Gives Credit Report Advice

I was speaking about ways to save money with a coworker who mentioned that she wanted to buy a house soon. She was worried about the rate she would get because she knew her credit score was bad . This person, I’ll call her S, said she had a lot of unpaid medical bills and phone bills from her past. There were also a few bills that had been late in the past but then she had settled with the company so she hoped that had already...

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