1. How Late Payments Hurt Your Credit Rating
(Education Center/How to Improve Your Credit)

... tips: Avoid Being Late on Your Payment   This is one of pitfalls that numerous consumers fall into. Remember it does not matter if it was your fault or not. If your creditor or lender ...

2. Fixing Bad Credit
(Education Center/How to Improve Your Credit)

... from all 3 major bureaus to determine your actual credit rating and determine if you have any issues with your creditors. In most cases, lenders will report if you have defaulted on a payment, have ...

3. Factors That Can Lower Your Credit Score
(Education Center/How to Improve Your Credit)

Factors That Can Lower Your Credit Score   Credit reports are a tool that lenders use to determine your financial reliability. Of course, all of us wish we did not have a negative ...

4. Establishing Credit History
(Education Center/How to Improve Your Credit)

Establishing Credit History   Credit history is becoming extremely important in today’s society. When a lender makes the decision to extend a loan; the absence of credit history ...

5. Debt Consolidation Loans
(Education Center/How to Improve Your Credit)

... loan providers Lenders compete for the opportunity to finance your loan; take advantage of this opportunity to solicit the best rate and terms for your loan. In fact; there are some companies who ...

6. Bad Credit Business Loans
(Education Center/How to Improve Your Credit)

... you need to segregate your personal credit from your business credit. Until this has been complete, business financing becomes obsolete. The smaller lenders shift their focus to reviewing a combination ...

7. Bad Credit Resources
(Education Center/How to Improve Your Credit)

Bad Credit Resources Consumers with bad credit feel the doors have been closed inevitably. If you are one of these consumers, you are not alone. If you would like to get your credit back ...

8. Bad Credit Refinancing
(Education Center/How to Improve Your Credit)

Bad Credit Refinancing With the recent increase in the number of home foreclosures numerous lenders are more leery of refinancing individuals who are classified and have a history of ...

9. Financing with Bad Credit
(Education Center/How to Improve Your Credit)

... first 6-12 months depending on your score and the lender. Teaser rates can be as low as 3.9% and as high as 12% again depending on the individual’s credit score. Annual Membership Fees - you ...

10. Getting used car loans with bad credit
(Education Center/How to Improve Your Credit)

... bad credit used car loan. A bad credit used car loan will provide you as the debtor an opportunity to purchase a vehicle. One of the cons to a bad credit used car loan is the lender will typically ...

11. Getting a mortgage when you have bad credit
(Education Center/How to Improve Your Credit)

... credit. In the chances that you are able to locate a mortgage, don’t immediately accept the first offer. Be smart, this is financing and there are several different lenders all charging different ...

12. Buying a car? What to be aware of if you have bad credit
(Education Center/How to Improve Your Credit)

... rebates or down payments you have which will reduce the price. When you are attempting to obtain financing with bad credit be certain you inform the lender of this information. This will gain their ...

13. Beware of Risky Home Equity Loans
(Education Center/How to Improve Your Credit)

Beware of Risky Bad Credit Home Equity Loans In order to protect yourself from lenders who do not have the consumer’s best interest in mind read the following tips to protect yourself: ...

14. Requesting and Analyzing Your Credit Report
(Education Center/How to Improve Your Credit)

... by inaccurate reporting, identity theft, or fraud. If you identify a discrepancy while analyzing your report it is imperative you contact the bureau immediately and inform them which lender has reported ...

15. Credit Restoration
(Credit Restoration/Credit Restoration)

... person to person, and for any one person over time. Scoring Models only look at information in your credit report. However, lenders look at many things ...

16. Credit Terminology
(Education Center/Credit Terminology)

...  mortgage insurance. 203(b): FHA program which provides mortgage insurance to protect lenders from default; used to finance the purchase of new or existing one- to four family housing; characterized ...

17. Education Center
(Education Center/Education Center)

...  *Interest rates are subject to change. These rates were offered by lenders in 2005. Mortgage Calculator  ...