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

How Late Payments Hurt your Credit Rating Consistently keeping your credit rating in good standing is a much more difficult task than you may of thought. There are various ways ...

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

... This alerts the creditor you may miss a payment or possibly be late on a payment. Many creditors will attempt to work with you by lowering your minimum payment or allowing you to skip a few payments ...

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

... and mortgage are paid on time. If you have one or two late payments this can negatively impact your score. If you are having financial difficulty paying these expenses, contact your creditor immediately. ...

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

... you as a lender will repay the loan is determined by reviewing your credit score. The score is based on your credit history, which includes; credit history and history of on-time payments. Remember ...

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

...  If you make a higher income, your score will increase - False Even if you make a million dollars annually, and are late with your payments, your score will still be impacted. An increase in income ...

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

...  amongst your creditors. The benefit; the consolidation loan typically has a lower interest rate, which leads to lower monthly payments and will create additional savings for you. By taking out ...

7. 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 ...

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

... this impacts them in their daily lives. The way credit ratings are established is via the accrual of debt and how the debts are paid; if they are paid on time, paid late, or if payments go into default. ...

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

... you have defaulted repayments? There is hope, as all is not lost even when the bank doors shut. You may think it is impossible to get a business loan and start your own business with a poor credit ...

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

Bad Credit from Credit Cards Yes, the credit card seems to be the new buzz on the street. Nothing is easier than simply taking out your credit card to pay for that item you have had  ...

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

...  This fee ranges from $39 and can reach as much as $199. Increased Minimum Payments - for a "prime" consumer a typical monthly payment is 5% of the credit card balance or $10 whichever is greater ...

12. Home Buying when you have bad credit
(Education Center/How to Improve Your Credit)

... required, ranging from $3000-$8000. The higher the deposit the less you have to pay monthly. If you continue to make payments on time consistently, a percentage of your payment will go towards the ...

13. Bad credit can cause problems when you go to rent an apartment
(Education Center/How to Improve Your Credit)

... live. If you have average credit you may be required to pay an additional deposit or be asked for a security payment. This protects the landlord if you are unable to make payments.    ...

14. 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 ...

15. Reasons to Avoid Bad Credit
(Education Center/How to Improve Your Credit)

... delinquencies. Credit card debt is a big worry for many consumers as the inability to pay causes late payments which cause the interest rate to skyrocket on most credit cards. The interest rate can ...

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

... loans, but can save you hundreds and thousands annually in interest payments. Why Consolidate Loans? The main reason is to save money; who doesn’t like to save money? In addition, it makes it ...

17. Health Insurance Portability and Accountability Act
(About Us/How It Works)

... Enrollment and disenrollment in a health plan. (D) Eligibility for a health plan. (E) Health care payment and remittance advice. (F) Health plan premium payments. (G) First report of injury. (H) Health ...

18. Fair and Accurate Credit Transacion Act
(About Us/How It Works)

... medical records or payments; (2) residential or tenant history; (3) check writing history; (4) employment history; or (5) insurance claims.'. Click this window to close (a) FRAUD ALERTS- The ...

19. Fair Debt Collection Practices Act
(About Us/How It Works)

... fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; (F) any attorney-at-law collecting ...

20. Credit Restoration
(Credit Restoration/Credit Restoration)

...  Payment History Tips Pay your bills on time. Delinquent payments and collections can have a major negative impact on your score.  ...