Many people who are alert about paying their bills on time and having minimal debts are surprised each year to find that they have low credit scores. In some cases, this happens as a result of identity theft. Identity theft is a type of misconduct in which people take your personal information and steal that data to pose as you in order to get access to your accounts or identity. For example, someone with your PIN numbers can take away small amounts of money from your bank account ..

If you find yourself struggling with bad credit and want to fix it, you may want to look into obtaining a debt consolidation loan. And you may be wondering, how in the world will I be able to get a loan? Well, that’s what debt consolidation loans are for – to help you repair bad credit and ultimately get yourself back on the road toward a positive credit score and a solid credit history. Debt consolidation loans are meant specifically for people with bad credit who desperate ..

Few people know that when someone takes a look at your credit report that inquiry is noted. Having a lot of inquiries on your report, may show that you’re shopping for several loans at the same time – or that you previously have been rejected by lenders. Both make you appear a poor credit risk and can negatively affect your credit score. Therefore, it is recommended that you’re careful about who looks at your credit report. In case you’re shopping for a loan, show ar ..

By simply paying your bills on time you’re already improving your credit score. That sounds ridiculously simple but it really works, because paying promptly shows lenders that you take debts seriously. Paying your bills on time increase the odds of you making the payment on a new debt on time as well, and that is definitely something a lender is interested on. In fact, according to experts, up to 35% of your credit score is based on how often you pay your bills on time, this easy  ..

With the numerous credit card options available today, you can use plastic to pay off debt and save money at the same time. Using a credit card to get rid of debt, rather than rack it up, may sound strange but it is possible with 0% APR credit cards. All of the major credit card companies offer 0% APR credit cards - they are a great way to save hundreds, even thousands, of dollars on interest. If you use them wisely, 0% APR credit cards will help you get one step ahead in the credit card world.  ..

Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. I get frequent emails from consumers wondering what they can do to rebuild their creditworthiness. The first is to get a credit card intended for people with bad credit. The second thing is READ THE FINE PRINT. Only a limited number of credit cards are  ..