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VideoCreditScore.com
Credit Score Lessons - Free Videos and Product ReviewsEpisodes
VideoCreditScore.com
Credit Score Lessons - Free Videos and Product Reviews
A daily Education podcast
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Episodes of Credit Score Lessons
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We look at quotes from all over the internet and discuss why a great score has changed over the past 5 years
American Express offers both charge cards and credit cards. VISA and MasterCard brands are only on credit cards, debit cards and pre-paid cards
Banks like FICO '08 because it should lead to fewer defaults. For consumers, it should mean better scores for the occasional mishap folks and worse scores for those that are late or more credit distressed
Once you have a bank account, a secured credit card and then a personal installment loan from your bank or credit union will help establish credit
In 1996 TRW decided to spin off the credit business and it's now owned by Experian
The govt did this program to stimulate growth, but we like the idea of using this money to pay off credit card debt
Important to recognize that while not exactly the same, a FICO consumer report is providing a close guide
A good idea to pick one that is accredited and has low fees
Not a credit card, but it can teach teens responsible credit habits
While many card issuers offer these services, they are hard to find sometimes as many merchants seem to dislike them
CROA or the Credit Reporting Organizations Act was enacted in 1996 and it states that you if you are a credit repair organization you cannot charge in advance. Result - many good companies don't call themselves repair organizations
If you need a payday loan, you might be near the credit breaking point, and that's when a credit counselor can help
Avoid the scams, check your credit, and really consider a credit freeze from the credit bureaus
People with over 10 years of credit history tend to have better scores so the key is to start building your credit early
Your credit isn't merged, but it is interdependent and you need to get joint cards and individual credit cards
Being engaged is a time to really open up about credit and personal finance and set goals
You can't check your date's credit score, but he or she can check it and discuss it with you
Employers can check your credit but must abide by FCRA rules. To learn more go to FTC.com
Like shopping in general, college consumers should shop around for the best credit card options
It depends on the individual, but after you spend less than you make
A secured credit card is for people just starting to build credit and for people who are rebuilding credit
The Universal Default Clause says that bad behavior on one credit card can impact another card's APR or other attributes
A goodwill letter is asking for an act of goodwill, e.g., asking to waive a late fee
The bureaus probably prefer online disputes as they reduce costs for them, but the FTC recommends certified mail probably so you have a paper trail
Dispute letters must be tailored to your specific needs. Our site has dispute letter examples
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