Published On June 10th, 2008

If you have had past credit issues or are having trouble getting approved for financing, it is important to get on a path towards improving your credit history as soon as possible.  One way to rebuild poor credit is by getting a secured credit card.  A secured credit card is similar to a debit card but spends like a credit card.  You deposit funds on to the card, which becomes your credit limit, and then spend against those funds.

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Published On June 2nd, 2008

Good credit is well worth the effort it takes to both achieve and preserve it.  If you have good credit, the following tips will help you keep it that way.  If you are looking to improve your credit, however, now is the time to get started.  

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Published On April 17th, 2008

A lot of homeowners have the mind set that making payments on time automatically equates to good credit and credit scores. Unfortunately, this couldn’t be further from the truth. While paying your bills on time accounts for a large portion of your credit score, there’s still a lot more to it. In fact, paying your bills on time only drives 1/3rd of the points in your credit score, which means that 2/3rds of your score has nothing to do with making on time payments.

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Published On March 2nd, 2008

I have been forecasting for quite some time that Fair Isaac would eliminate the loophole that allows people to quickly increase their credit score by being added as an authorized user on someone else’s established credit card…and sure enough, the time has come.

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Published On March 2nd, 2008

The company that cooks up credit scores for millions of Americans is changing its recipe — and that could affect how easily you get credit in the future.Fair Isaac Corp., maker of the popular FICO credit score used by most lenders, says its new scoring model will do a better job predicting the likelihood of a borrower defaulting on a loan.

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Published On March 2nd, 2008

It looks like lenders, landlords, insurance companies and employers aren’t the only ones interested in credit scores these days – now the health industry is getting in on the act.Credit industry giant Fair Isaac is working with Healthcare Analytics and Tenet Healthcare to create a new “MedFICO” score. This new credit score is intended to judge a person’s likelihood of paying their medical bills and could debut as early as this summer. Understandably, the new score…

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Published On February 18th, 2008

It is time to slap the credit companies where it hurts! Did you know that the 3 major credit card bureaus are selling your personal credit information to other vendors without your permission? Not only is this legal it is happening non-stop. Did you know when you apply for any credit that these credit card companies turn around and sell and your information to other credit companies within 24 hours.

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