Change Your Credit Habits

Credit and Debt Problems?  Get the Facts Here!

Most consumers over the past several years, much like the global economy, have suffered financial setbacks.  Whether these losses occurred in the financial market or in your professional life, now is the time to look to restart and get yourself back in the black.

So Where Did You Get Stuck?

Credit Card Debt: It’s easy to do when your income or expenses have changed dramatically in a short period of time.  Most of us do just this: open up the credit cards and charge away!  Well its time to sort out these bills and consider an option to liberate yourself from the growing debt these cards always envelop.  Look into Debt Consolidation in order to reboot your credit card debt today!
Debt Consolidation:  If you are worried about keeping up with your monthly credit card bills, take a debt or bill consolidation loan into consideration!  You can combine your outstanding debt into a single low monthly payment and say “Adios” to those stacks of monthly bills from Visa and MasterCar
Credit Help: When we fall into debt its very common that your credit score will take a tumble too.  Unfortunately a poor credit score and credit report can mean bad news today and down the line.  Why?  Well bad credit means the next time you get a loan you’re going to pay much more for it.  Don’t get killed with interest rates, learn how to improve your credit score today and start saving.

Identify Theft: Not just a movie.  If you have been one of the millions of victims of identity theft in the US each year, you have come to the right place.  Learn how you can recover from the financial pain of a stolen identity.

Improve your Credit Score

Once a consumer is made aware of their credit score, most want to figure out the best and quickest way improve their score.  There are surprisingly a lot of options one can undertake to point their credit score back in the right direction: up.  While there is no quick fix or solution to get your number magically changed overnight, there is something you can start doing today to improve your credit report.  Try this simple step as a first shot at cleaning up and repairing your credit report today:

Dispute

You can log on to Equifax or Transworld, or another similar credit reporting agency-really you should in fact check them all- and request your free credit score report.  Look for strange things you don’t remember, have no knowledge about, or in some cases is simply old.  Then dispute it. The credit reporting agencies have a dispute and resolution process between consumers and creditors.  If the creditor who is reporting a delinquency, late payment, etc. no longer exists or does not reply in time to the request by the reporting agency- guess what? Those disputed items will be removed.

Negotiate

In today’s modern global economy you might be surprised to realize major corporations and especially lenders like Bank of America are willing to negotiate credit problems.  It’s in their best interest to get a transaction settled then hand it over to collections for pennies on the dollar. So what to do?  Call up any creditor on your credit report who has an item against you and talk.  Offer a reduced payment to end the default.  If it’s simply some late payments use the angle that you are a valued customer in good credit standing now and would like to be “forgiven” those late payments and move on.  It never hurts to ask nicely when trying to repair your credit score- give it a try!

Change Your Credit Habits

This might sound vague but this might be some of the best credit score repair advice going.  Use your credit differently.  By implementing these simple changes, you can go a long way towards improving your current credit score:
Get a higher credit line!  If you credit limit is just $2,000 and you are 75% of that limit with $1,500 owed, it looks bad.  Increase your limit but not what you owe to show you are reasonable in your credit use.
Use a mix of your credit cards and have several.  It sounds counterintuitive but managing more credit responsibly shows the creditors you are a safe risk.
Pay your bills twice a month or even a month early!  Never risk a late payment and show your creditors you are very responsible- double paying some months and never just paying out the minimums.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.
1. Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
2. We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
3. We will only retain personal information as long as necessary for the fulfillment of those purposes.
4. We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
5. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
6. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
7. We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.