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Credit Laws You Need To Know The Equal Credit Opportunity Act states that all lenders will apply the same credit standards to all consumers, without prohibiting by race, sex, marital status, national origin, religion, age, or public assistance program involvement. This does not guarantee the approval of a loan or credit but does insure that all consumers are given an equal chance to obtain credit. The only acceptable...... Similar Editorial : by Paul Shearstone. | Source : Consolidation Home Loan
A Second Chance: Credit Unions A credit union is an organization available to individuals based on their place of residence or employment. It works a lot like a bank but offer loans exclusively to their members that are usually of a lower interest rate. Those who deposit money are able to also borrow money because it is run by its members. This is the perfect place for someone who earns a steady paycheck but has somehow managed...... Source : Consolidation Home Loan
Going Your Separate Ways: How Divorce Can Ruin Your Good Credit In the event of a divorce, many couples do not realize that it is necessary for both individual's future to consider the changes that may occur in their credit rating. Despite the reasons for the divorce, it is important to take care of financial business before you go your separate ways, especially if there are children involved. When you entered into the marriage you may have built most or all...... Similar Editorial : by Larry Andrew. | Source : Consolidation Home Loan
Give Your Kids Some Credit: Teaching Children About Money If you are a parent, one of the major responsibilities you have to your children is to make sure they are ready to enter the adult world when they leave the nest. This includes financial know-how, although most parents do not consider speaking with their child about credit and debt until it is too late. If your child is old enough to make and spend money, they are old enough to understand the...... Similar Editorial : by The House Team Of Mortgage Intellingence. | Source : Consolidation Home Loan
Losing Your Identity And Your Good Credit Identity theft has become a problem with the introduction of shopping online. Thieves set up clone web sites much like the ones that are used popularly to make purchases so that they can fool unsuspecting victims into entering their personal information. You can also have your information stolen by not correctly disposing of bank statements and other mail that contains personal information, such...... Similar Editorial : by Tom Ambrozewicz. | Source : Consolidation Home Loan
Good Credit: How Do You Establish It? At some point in everyone's life, it is required to advance from having no credit to building good credit in order to secure your financial future. Whether you are trying to rent your first apartment or applying for a loan to make a large purchase, you will need to have a good credit history to your name so that the person you are working with knows that you are a reliable and trust-worthy...... Similar Editorial : by James Marshall. | Source : Consolidation Home Loan
Marrying Into Good (or Bad!) Credit When you get married, one of the things that is probably low on your priority list is understanding how your finances will work as a couple. If you both have good credit, than this isn't really a problem. However, if one of you has less than perfect credit, it is an important situation to discuss. Protect yourself or your new spouse financially to ensure a happy future for your family. First and...... Similar Editorial : by Sam Vaknin, Ph.D.. | Source : Consolidation Home Loan
Protecting Your Good Credit It's safe to say that if you have built a good credit score, you'd like to keep it that way. Who wouldn't? There are a few simple things to remember when you are maintaining your credit score. Even though some of them may seem too simple to even mention, unfortunately, life is sometimes just distracting enough to make you forget about your credit score completely. Don't fall into this bad habit....... Similar Editorial : by James Porter. | Source : Consolidation Home Loan
Starting A Business: Good Personal Credit Is A Necessity If you are thinking about starting your own business, banks will look at your personal credit history if you have no business credit history. Thus, credit scores are more important than ever. While banks previously determined whether to lend to a business or not by looking at your credit, the business's potential, any collateral you may offer, and your personal career history, this process has...... Similar Editorial : by Terry Frerker. | Source : Unsecured Business Line Of Credit
How Bankruptcy Effects Your Credit Score Bankruptcy is a tricky affair, and declaring it can ruin good credit. When you file for bankruptcy, your debts are supposed to be settled, but with the note that this occurred because you filed for bankruptcy. This note will show up on your credit history for about 7 to 10 years, depending on the credit reporting agency. Because lenders look at your past ability to pay back your loans in order to...... Similar Editorial : by Mike Johnson. | Source : California Bankruptcy Court
Asking For Help: The Benefits Of Credit Counseling Sometimes we can't maintain a perfect credit score on our own. In life we may need a little help keeping our credit score at a satisfactory level or raising it to that level. Luckily, there are organizations that will work with you to get back on the right track with your credit score.Debt counseling is for people who may have many bills that are scattered with different companies and find it...... Source : Credit Consolidation Loan
Busting The Myths Of Your Credit Score There are many credit score myths floating around. This is due to the fact that few people know how credit scores are calculated and what helps determine a credit score. Here are a few credit score myths: Credit card offers will lower your credit score. Receiving credit card offers does not lower your score. If you choose to open multiple lines of credit, however, you leave yourself at risk to...... Similar Editorial : by Eric Scribener. | Source : Credit Consolidation Loan
The Importance Of Good Credit The future of your finances will inevitably depend on your credit score. It's not a typical topic of discussion; however, it is necessary to know the importance of having good credit. Without establishing positive credit you will be unable to buy a home, purchase a new car, or take out any loans for school or other personal matters. Your credit score is based on your history of paying all bills on...... Similar Editorial : by Tom Ambrozewicz. | Source : Credit Consolidation Loan
How Correcting Errors Can Re-Establish Good Credit Dispute your credit listings directly with the Original Creditors! Did you know most of them can't prove the negative information they report?Credit scores affect every aspect of our financial lives including qualification for loans and mortgages, the interest rates we pay, employment opportunities, and even insurance premiums. Repairing your credit profile is one of the most important financial...... Similar Editorial : by Julius ozoh. | Source : Credit Consolidation Loan
Calculating Your Credit Score Once you understand what a credit score is, how it affects your life, and why it is important to build and maintain good credit, you may also want to know how, exactly, a credit score is calculated. The process is not simple, and each of the three major companies in the United States that reports credit score and history uses a slightly different method, so your credit score will probably vary...... Similar Editorial : by Mike Johnson. | Source : Credit Consolidation Loan
