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

... is; if you make 30K annually, the preferred amount is 10K; if you make 100K this amount increases to 33K. Something else to consider; in most cases student loans and mortgages are not typically factored ...

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

... that requires additional money, a lender will determine financially if you are able to pay off the loans based upon your track record of paying off debts. If you have bad credit, or a history of ...

3. Debunking Credit Myths
(Education Center/How to Improve Your Credit)

... detrimental to you as a consumer. Below are several myths about credit "debunked". In order to build good credit you need lots of loans and credit cards A lot of consumers believe that to build ...

4. Debt Management
(Education Center/How to Improve Your Credit)

... enroll in will request that you consolidate your numerous loans with a single large loan. This will allow you to make one single payment to the debt management company; they will then disperse this ...

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

Debt Consolidation Loans Debt consolidation can replace several high interest rate loans or credit cards with one debt consolidation loan which can lower your monthly payments and save ...

6. Debt Consolidation Services
(Education Center/How to Improve Your Credit)

... individuals have accumulated a significant amount of medical bills or simply overextended themselves by maxing out credit cards, taking out unsecured loans, or not managing their credit wisely. There ...

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

... a vehicle or house, to have a high credit score. Large purchases often required a large down payment and are considered long-term loans. If you have a good credit rating you can expect to get a better ...

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

Bad Credit Business Loans Do you often find yourself being denied credit? Do you consider yourself a good person with bad credit? Are you consistently declined credit based on the fact ...

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

... more efficiently and effectively. Financial advisors can provide advice on loans and credit cards, provide strategies which will help you get out of debt quickly, and can assist you in creating a budget. ...

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

... to making a decision on applying for a bad credit refinance on other loans you have incurred. The other focal points; the amount of the loan, credit reputation that you personally have (your credit ...

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

... allow consumers to pay their loans back up to 7 years. In most cases, 48 months is the maximum payback period. Typically the vehicle being purchased costs significantly less than a new vehicle and ...

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

Bad Credit Car Financing Car financing today is not as difficult as in the past, even with a bad credit rating. Bad credit car loans in addition to home equity loans can assist you in ...

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)

... of the last 7 years of credit history. These reports are detailed with information regarding how many active credit cards you have, mortgages, and any other loans that are outstanding. Based upon ...

15. Consolidation Loans Can Help
(Education Center/How to Improve Your Credit)

Consolidation Loans Can Get you Out of the Credit Hole   A lot of consumers turn to debt consolidation when they experience financial difficulties. This is a way to consolidate ...

16. Budgets and Financial Planning
(Education Center/How to Improve Your Credit)

... to pay off your debt and improve your credit score. Consolidation is one of the tools you can leverage in financial planning. This will consolidate all of your credit card loans into one monthly  ...

17. Credit Restoration
(Credit Restoration/Credit Restoration)

...  Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.) Presence of adverse ...

18. Credit Terminology
(Education Center/Credit Terminology)

... format for easy comparison. 80-10-10 Loan: A combination of an 80% loan-to-value first mortgage, a 10% home equity loan and a 10% down payment. The loans can be used to eliminate the need for private ...

19. Be Debt Free
(Education Center/Be Debt Free)

... loans should be paid before low-rate student loans and home loans. A "yes" answer to any of the questions below is a red flag for accounts that need immediate attention:Are there accounts above 35% of ...

20. How to Improve Your Credit
(Education Center/How to Improve Your Credit)

Credit Articles Improve your credit rating by using the advice outlined in our articles below. Tips Budgets and Financial Planning Consolidation Loans Can Help ...