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Author: nikitas tsoukalis
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Articles by nikitas tsoukalis |
21. Why You Shouldn't Co-Sign on a Loan
July 04, 2014
Credit isn't exactly easy to come by these days. And if you happen to have a good credit score, there's a chance that sooner or later you'll be approached by a friend or family member and asked to co-sign on a loan or credit card for them. By doing so, the person with poor or limited credit is able ...
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22. How Does the Fair Credit Reporting Act (FCRA) Empower Me to Repair My Credit?
July 04, 2014
What is the Fair Credit Reporting Act?
Established in 1970, the Fair Credit Reporting Act (FCRA) restricts businesses from freely accessing an individual's personal credit information by contacting one or more of the big three credit bureaus: Experian, TransUnion and Equifax. Under the Fair Cr...
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23. Not All Credit Scores Are Created Equal
July 03, 2014
When it comes to your credit score, you're likely already familiar with your FICO score. It is, after all, the most common type of score that creditors check before approving you for a home loan, car loan, etc. But there's more than just the FICO score that creditors may check when it comes to looki...
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24. Why Tax Season is the Time to Repair Your Credit
July 03, 2014
Why is tax season the best time to repair credit? As important as credit repair is, this process repeatedly slips to the bottom of many people's to-do lists. They make excuses, telling themselves that it's not quite the right time to get around to addressing credit issues.If this situation sounds fa...
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25. Preapproved Car Loans: Saving You Money, Time & Hassle!
July 03, 2014
A traditional part of the home buying process is also part of the best vehicle shopping experience. The process of obtaining preapproval for an auto loan is now catching on as smart car shoppers realize the savings and control it can offer them. If are preparing to shop for a car and plan to finance...
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26. Medical Bills: The Credit Score Killer
July 03, 2014
Making on-time payments, enacting a debt management strategy so that you don't owe more than 30 percent of your total credit limit, and having a variety of different types of credit are all things that you can do to ensure a good, healthy credit score. But one common credit score killer is medical b...
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27. Credit Scores and Car Insurance
July 03, 2014
While credit scores and credit reports are most commonly associated with loan approvals, there's more than just getting approved for a credit card, auto loan or mortgage that the little three-digit FICO score is used to calculate.
For instance, credit scores are also factored into things like ...
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28. Top 10: States With Best Credit Scores
July 03, 2014
Lenders look at credit scores as a way to gauge a person's creditworthiness. In today's recessive economy, it might seem like everyone is taking a hit to that all important credit score. It will probably come as a surprise to you that some states are faring better than others. Living in a particular...
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29. Paid Collections Don't Automatically Get Removed
July 03, 2014
Are you one of many Americans who have collection accounts on your credit report? If so, you unquestionably want it to just go away. This is a pivotal part of credit repair but raising your credit score back up to a favorable status is much easier said than done. That's because according to U.S. law...
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30. Maximize Your Score With Different Types of Credit
July 03, 2014
There are five main factors that make up a FICO credit score - payment history (35% of your FICO score), amounts owed (30%), credit history length(15%), new credit and types of credit used (each 10% of your score). While the "types of credit" category only factors for about 10 percent of your overal...
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