Amazines Free Article Archive - Sunday, March 24, 2019
Read about the most recent changes and happenings at
Log into your account or register as a new author. Start submitting your articles right now!
Search our database for articles.
Subscribe to receive articles emailed straight to your email account. You may choose multiple categories.
View our newest articles submitted by our authors.
View our most top rated articles rated by our visitors.
* Please note that this is NOT the ARTICLE manager
Add a new EZINE, or manage your EZINE submission.
Add fresh, free web content to your site such as newest articles, web tools, and quotes with a single piece of code!
Home What's New? Submit/Manage Articles Latest Posts Top Rated Article Search
Subscriptions Manage Ezines
 Article Archive
 Advertising (133289)
 Advice (160808)
 Affiliate Programs (34733)
 Art and Culture (73667)
 Automotive (145616)
 Blogs (75016)
 Boating (9841)
 Books (17130)
 Buddhism (4124)
 Business (1328189)
 Business News (426308)
 Business Opportunities (366252)
 Camping (10952)
 Career (72756)
 Christianity (15838)
 Collecting (11636)
 Communication (115054)
 Computers (241934)
 Construction (38988)
 Consumer (49675)
 Cooking (17060)
 Copywriting (6567)
 Crafts (18207)
 Cuisine (7537)
 Current Affairs (20377)
 Dating (45773)
 EBooks (19684)
 E-Commerce (48191)
 Education (185169)
 Electronics (83484)
 Email (6389)
 Entertainment (159809)
 Environment (28932)
 Ezine (3038)
 Ezine Publishing (5443)
 Ezine Sites (1552)
 Family & Parenting (110893)
 Fashion & Cosmetics (196381)
 Female Entrepreneurs (11841)
 Feng Shui (130)
 Finance & Investment (310236)
 Fitness (105885)
 Food & Beverages (62843)
 Free Web Resources (7937)
 Gambling (30212)
 Gardening (25075)
 Government (10522)
 Health (629206)
 Hinduism (2206)
 Hobbies (44019)
 Home Business (91543)
 Home Improvement (251311)
 Home Repair (46115)
 Humor (4812)
 Import - Export (5449)
 Insurance (45110)
 Interior Design (29544)
 International Property (3485)
 Internet (190966)
 Internet Marketing (146296)
 Investment (22824)
 Islam (1168)
 Judaism (1357)
 Law (80456)
 Link Popularity (4592)
 Manufacturing (20836)
 Marketing (98748)
 MLM (14136)
 Motivation (18211)
 Music (26998)
 New to the Internet (9476)
 Non-Profit Organizations (4048)
 Online Shopping (129606)
 Organizing (7800)
 Party Ideas (11856)
 Pets (38082)
 Poetry (2234)
 Press Release (12669)
 Public Speaking (5620)
 Publishing (7522)
 Quotes (2407)
 Real Estate (126609)
 Recreation & Leisure (95235)
 Relationships (87446)
 Research (16155)
 Sales (80310)
 Science & Technology (110149)
 Search Engines (23445)
 Self Improvement (153081)
 Seniors (6226)
 Sexuality (35941)
 Small Business (49279)
 Software (82947)
 Spiritual (23461)
 Sports (116069)
 Tax (7658)
 Telecommuting (34065)
 Travel & Tourism (307101)
 UK Property Investment (3118)
 Video Games (13422)
 Web Traffic (11724)
 Website Design (56801)
 Website Promotion (36556)
 World News (1000+)
 Writing (35761)
Author Spotlight

Oleg has been providing SEO, Copywriting and Content Management services for 10+ years. For the last...more

Im just a man who likes to be happy and see others happy. Im into home business, sports, family, and...more

David Degen of CheckUp Financial Inc. has been in the insurance business since 1996. Originally fro...more

My Name is Anish Sah, I am an Internet Marketing and SEO Expert, Social Media Guru and young Entrepr...more

Barry K. Brown has been in the Sign, Banner, Decal and Display Business for over 20 years. It isn't ...more

Raise Your Credit Score With Your Tax Refund Check by Jon Arnold

Article Author Biography
Raise Your Credit Score With Your Tax Refund Check by
Article Posted: 03/16/2008
Article Views: 189
Articles Written: 781
Word Count: 585
Article Votes: 0
AddThis Social Bookmark Button

Raise Your Credit Score With Your Tax Refund Check

Finance & Investment
If you are one of the lucky ones that is getting an income tax refund, do not cash the check when it comes. Instead, let's look at a better use for the money, one that will pay a greater dividend to you in the long term.

We are talking about your credit score. In a nutshell, there are three credit reporting agencies in the US that keep close tabs on your credit history, your outstanding debt, your debt-to-income ratio and various other pieces of information. These agencies do not share information about you, so not one of them has a totally 100% accurate picture of your credit history, but that is what almost all lenders use to calculate your credit score.

Your credit score is used to determine your credit worthiness in the eyes of a potential lender. The average credit score in the US is around 660, and this is a number that can range from about 350 to around 850. The timeliness that you have historically shown in making your credit card payments, loan payments, and mortgage payments are reflected here. You get points subtracted for being near or over your credit limit on any accounts, and more points subtracted if you make late payments.

While there is much more that goes into calculating your credit score, you can use your tax refund to actually increase your credit score. Say you have a couple of credit cards that are pretty much maxed out, perhaps even over their limit. Pay off those cards or at least pay down the majority of the balance, which will in turn raise your credit score because your debt to income ratio will look that much better.

Many people just splurge on something when they get their income tax refund, maybe getting a new car or that huge new plasma TV or a kitchen remodel job done. But what good does that do you? Really, nothing in the long run, and paying down some of your credit cards or loans has a much greater long lasting effect, which is all to your benefit. You need to put that money where it will do the most good for you in the long term, not for a very short term benefit.

The average person in the US has 8 to 10 credit cards, although credit counseling will advise having no more than 2 or 3. If you only have 2 or 3 credit cards, then the temptation to max them out will be less, simply because your credit limits are not going to be that high to allow you to get into real serious trouble financially.

The credit bureau gives the most points towards your credit score for accounts that are paid on time, have never gone over their credit limit, and have an outstanding balance of between 20-25% of the credit limit. This gives you a comfortable margin for charging things that you need, but it does not make you appear to be living on the edge, as it would if you had credit card account that were consistently at 80% or more of your credit limit.

Put your income tax refund to work for you. The time and effort that you put into raising your credit score will pay off in spades for you in the future. For more insights and additional information about how to Raise Your Credit Score as well as getting free copies of your credit reports, please visit our web site at

Related Articles - raise credit score, improve credit score, boost credit score, credit score,

Email this Article to a Friend!

Receive Articles like this one direct to your email box!
Subscribe for free today!

 Rate This Article  
Completely useless, should be removed from directory.
Minimal useful information.
Decent and informative.
Great article, very informative and helpful.
A 'Must Read'.


Do you Agree or Disagree? Have a Comment? POST IT!

 Reader Opinions 
Submit your comments and they will be posted here.
Make this comment or to the Author only:
*Your email will NOT be posted. This is for administrative purposes only.
Comments: *Your Comments WILL be posted to the AUTHOR ONLY if you select PRIVATE and to this PUBLIC PAGE if you select PUBLIC, so write accordingly.
Please enter the code in the image:

 Author Login 
Register for Author Account


Advertiser Login


   Limited Time $60 Offer!
   90  Days-1.5 Million Views  


Great Paranormal Romance

World News


Stevert Mckenzie, Travel Enthusiast. ...more

Steve Bye is currently a fiction writer, who published his first novel, ‘Looking Forward Through The...more

Author of four books and two screenplays; frequent magazine contributor. I have four other books "in...more

At LeadGenerators, we specialise in content-led Online Marketing Strategies for our clients in the t...more

Steve is the owner/operator of Whiskey Jack Painters, a premier painting company based out of Alma, ...more

Anita Waggoner grew up in a small town in Eastern Washington. She attended business-college in the S...more

Since Naima was a child, writing has been her passion. Influenced by her passion, she received both ...more

Susan Friesen, founder of the award-winning web development and digital marketing firm eVision Media...more

For the time being just a newbie in the Insurance Industry but a quick learner, soon-to-be expert Ja...more

Author of Wrestler/That Dog Hunts; Available at the Kindle Store ...more

HomeLinksAbout UsContact UsTerms of UsePrivacy PolicyFAQResources
Copyright © 2019, All rights reserved.
Some pages may contain portions of text relating to certain topics obtained from under the GNU FDL license