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You are here: Home / Archives for Consumer Credit

How to Restore Credit after Hard Times

April 30, 2013 By Marco Carbajo

Restore Credit

Getting your financial life and credit back on track after going through tough times is not an impossible task, by any means, but it does require an effective and proven plan. restore credit

Whether you have filed for bankruptcy, gone through foreclosure, experienced late payments, collections, judgments, repossession or the dreaded tax lien, there is hope.

Now, first of all don’t believe for a second that there’s nothing you can do about your past negative credit history because there is, which I will cover shortly.

First, let’s talk about getting new credit regardless of how low your credit score is. The obvious is to open up a secured credit card right?

Well, not exactly.
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Filed Under: Consumer Credit Tagged With: restore credit

How To Start Building Credit

October 23, 2012 By Marco Carbajo

How to Start Building Credit

A credit report is designed to show potential creditors, lenders, suppliers, banks, etc. how you handle your financial obligations. Unfortunately, not everything is reflected on your business and personal credit reports.  how to start building credit

The only way for you to get credit for all the positive payments you make to a creditor is if that particular creditor reports to a credit reporting agency.
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Filed Under: Consumer Credit Tagged With: how to start building credit

10 Steps to Improving Your Credit Score

September 14, 2012 By Marco Carbajo

Improving Credit Score

Whether you’re hoping to purchase a house, car or even start a business in the near future, you likely want to improve your credit score. While you may already have a decent score, it never hurts to raise it a few more points. Here are ten steps to building and/or maintaining a positive credit score. improving credit score

  1. Know Your Score – Before you can work on bettering it; you need to know what your score is. You can always order your credit scores by itself but it’s always best to order both scores and reports. By ordering your credit reports you will be able to identify any problems that may be hurting your scores.

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Filed Under: Consumer Credit Tagged With: improve your credit score, improving credit score, improving your credit score

Top 3 Ways to Manage College Credit Cards

August 30, 2012 By Marco Carbajo

College Credit Cards

Heading off to college is an exciting time to learn and grow but academic pressure, social life, and money can cause some real stress for students. college credit cards

To combat money worries students rely heavily on college credit cards without truly understanding the danger of carrying revolving debt and compound interest.

College students are easy prey for credit card solicitors and it’s no surprise that at age 18 the offers start pouring through the mail.
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Filed Under: Consumer Credit Tagged With: college credit cards

Why Your Personal Credit Rating Is Still Important For Business Credit

July 31, 2012 By Marco Carbajo

Personal Credit Rating

One of the main reasons for building business credit is to get away from having all of your company’s business financing tied to you personally. personal credit rating

By building strong business credit scores you will be able to secure vendor lines of credit, business credit cards, vehicle leases and many other types of financing using only your business credit.

However, beyond that, there is still more to the equation that many business credit building companies don’t want to talk about.
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Filed Under: Consumer Credit Tagged With: personal credit rating, personal credit ratings

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