Amazines Free Article Archive - Friday, November 15, 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 (133320)
 Advice (160864)
 Affiliate Programs (34735)
 Art and Culture (73688)
 Automotive (145678)
 Blogs (75052)
 Boating (9840)
 Books (17133)
 Buddhism (4124)
 Business (1328521)
 Business News (426309)
 Business Opportunities (366263)
 Camping (10961)
 Career (72734)
 Christianity (15843)
 Collecting (11637)
 Communication (115055)
 Computers (241954)
 Construction (38996)
 Consumer (49680)
 Cooking (17061)
 Copywriting (6567)
 Crafts (18204)
 Cuisine (7538)
 Current Affairs (20387)
 Dating (45776)
 EBooks (19687)
 E-Commerce (48204)
 Education (185250)
 Electronics (83496)
 Email (6392)
 Entertainment (159830)
 Environment (28937)
 Ezine (3039)
 Ezine Publishing (5446)
 Ezine Sites (1550)
 Family & Parenting (110900)
 Fashion & Cosmetics (196389)
 Female Entrepreneurs (11842)
 Feng Shui (130)
 Finance & Investment (310271)
 Fitness (106098)
 Food & Beverages (62867)
 Free Web Resources (7938)
 Gambling (30225)
 Gardening (25106)
 Government (10513)
 Health (629508)
 Hinduism (2205)
 Hobbies (44039)
 Home Business (91556)
 Home Improvement (251348)
 Home Repair (46126)
 Humor (4823)
 Import - Export (5453)
 Insurance (45130)
 Interior Design (29546)
 International Property (3485)
 Internet (190983)
 Internet Marketing (146334)
 Investment (22824)
 Islam (1167)
 Judaism (1356)
 Law (80486)
 Link Popularity (4591)
 Manufacturing (20842)
 Marketing (98770)
 MLM (14136)
 Motivation (18213)
 Music (27002)
 New to the Internet (9479)
 Non-Profit Organizations (4048)
 Online Shopping (129616)
 Organizing (7803)
 Party Ideas (11855)
 Pets (38080)
 Poetry (2234)
 Press Release (12673)
 Public Speaking (5618)
 Publishing (7523)
 Quotes (2407)
 Real Estate (126620)
 Recreation & Leisure (95271)
 Relationships (87469)
 Research (16158)
 Sales (80321)
 Science & Technology (110219)
 Search Engines (23453)
 Self Improvement (153098)
 Seniors (6232)
 Sexuality (35942)
 Small Business (49284)
 Software (82995)
 Spiritual (23465)
 Sports (116079)
 Tax (7658)
 Telecommuting (34066)
 Travel & Tourism (307376)
 UK Property Investment (3121)
 Video Games (13428)
 Web Traffic (11727)
 Website Design (56822)
 Website Promotion (36567)
 World News (1000+)
 Writing (35769)
Author Spotlight

Shovon Joarder has been working as Freelance Marketing Project Manager for over four years. He also ...more

Former English Teacher; Musician (20+ years); Freelance Writer ...more

My mission is to help one million people recover from their exes, to provide valuable information so...more

Rahul Verma, founder of the award-winning web development and digital marketing firm Digital SEO Com...more

I have been involved in nutrition and weight management for over 12 years and I like to share my kn...more

The Truth Behind Common Myths About Your Credit Report by Jon Arnold

Article Author Biography
The Truth Behind Common Myths About Your Credit Report by
Article Posted: 07/13/2008
Article Views: 131
Articles Written: 781
Word Count: 686
Article Votes: 0
AddThis Social Bookmark Button

The Truth Behind Common Myths About Your Credit Report

Finance & Investment
It is truly amazing to note the number of "facts" that many people think they know about credit reports and how various factors affect your credit score that are just simply untrue. For as much importance that is placed on having as good of a credit report and credit score as possible these days, it is critical for the consumer to understand the truth behind how your credit score is affected by various things. This is especially important in today's world, as car insurance companies and even many employers are now checking a consumer's credit report before making a decision about their insurance premiums or making a job offer.

Myth #1: When my fiance and I get married, we will have a joint credit report and the negatives from our individual reports will go away.

Nothing could be further from the truth. Even after you are married, you will still have separate credit reports. Any new credit items added to your report will be the result of opening joint accounts or having your name added to their existing account. Any negative information that was there before will still be there.

Myth #2: As long as my credit cards are not over their credit limit, they will give me a good credit score.

Not completely true. The two worst things you can do to get a bad credit score are to consistently miss or be late with payments, and to go over your credit limit. If you make your payments on time and stay under your credit limit, you will get an "ok" rating on that credit card. But to maximize the number of points you get on your credit card towards your credit score, it is best to keep your outstanding balance at about 20-30% of your credit limit.

Myth #3: When you negotiate a settlement amount with a lender, that account will show up as being fine on your credit report.

Wrong. If you have to negotiate something, that would indicate that you are working on a deal to pay them some amount less than what you actually owe. In that case, it will definitely have a negative effect on your credit score and show up as a negative item.

Myth #4: Closing old accounts will raise your credit score.

Totally inaccurate and in fact, can very potentially have the opposite effect and lower your credit score. Remember, your credit score is a picture of your credit history, and if you close old accounts, your credit history is reduced, thereby potentially lowering your overall score.

Myth #5: The best or only way to raise your credit score is to use one of the companies that specialize in that.

This is the biggest myth and also one of the biggest pieces of hogwash. Some of those companies that claim they can fix your credit can do so to varying degrees, and some cannot do a thing. But the real truth of the matter is that none of those companies can do anything that you cannot do yourself at no charge except for postage stamps. In fact, since you are the consumer who is disputing his or her own credit report, you actually have more clout in this way than those companies do.

Myth #6: Errors on your credit report are rare, and will correct themselves automatically when they occur.

Absolute baloney. The truth of the matter is that the vast majority of consumers have errors on their credit report. Compound that with the fact that those errors do NOT correct themselves, ever, unless you point out the error and dispute it.

Your credit score and credit history are used in a wide variety of places and the use of them is increasing every day. It is definitely worth your time and effort to get copies of your credit report and ensure that it is accurate, which is a huge step towards raising your credit score. For more insights and additional information about your Credit Report Score as well as getting free copies of your personal credit reports, please visit our web site at

Related Articles - credit report, credit score, raise credit score, increase credit score, credit report 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


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

Stevert Mckenzie, Travel Enthusiast. ...more

Kiranpreet (Kiran) Kaur, D.D.S., who received her Doctor of Dental Surgery degree from the prestigio...more

Rev Bresciani is the author of two Christian books. One book is an important and concisely written b...more

Steve Burgess is a freelance technology writer, a practicing computer forensics specialist as the pr...more

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

I am not a writer nor am I trying to become a writer. I am an average person with average intelligen...more

Joanna Morgan has a huge passion for making money online from home and enjoys traveling around the w...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