Monthly Archives: August 2015

how to build a better credit score

How to Build a BETTER Credit Score

How to Build a BETTER Credit Score

we hotflash by JT Robinson best blog for women over 50 HEALTH, BEAUTY, LIFESTYLE, and more

HELLO LADIES! Welcome to my Blog!

How to build a better credit score

build a better credit score

Everyone has heard of credit scores. What does it mean?

Why do you want a high credit score?

Very SIMPLE…YOU SAVE MONEY!   READ Here

HOW to Build a BETTER credit score

How to build a better credit score

having a number of credit cards builds credit

The difference between a great credit score and

a not so good credit score could save you $6,000 on a five year $20,000 car loan. Because lenders weigh both your credit report

(history of your financial actions) and your credit score

(a numerical snapshot of your financial actions) when deciding terms

and rates for everything from credit cards to home mortgages. Read this to separate fact from fiction, and then you can improve your own credit score!

Checking your credit score more than once a year with damage it.****FALSE****

While it is true applying for a loan or line of credit will cause your score to dip 5 to 10 points credit agencies

distinguish between these types of requests, and consumers pulling their OWN requests. So you should not be discouraged from requesting your score and reviewing it at least once a year. It is reported that 1 in 5 reports contain an error that can effect your score. So finding and fixing it can help. You are legally entitled to a free report from the three main agencies at least once a year. (TransUnion, Experian, and Equifax)

It’s better to make minimum one time payment than a larger late payment ****TRUE****

How to build a better credit score

make your payments on time

Your ability to make payments on time counts for as much as 35% of your credit

score. A late payment can lower it quite a bit. So keep on a good schedule,

to avoid late payments.

When you claim BANKRUPTCY your credit is wiped clean.****FALSE****

Bankruptcy is a last resort to control your finances. It doesn’t give you a clean slate on your credit report. The public records of the court proceedings linger on your credit report for 7 to 10 years. After filing BABY STEPS start to pay your bills on time, spend conservatively and regular responsible use of credit will build your credit back up slowly.

Extending your credit limit raises your score ****TRUE****

By most measures, a third of your score is determined by credit utilization. That’s the ratio of how much debt you have and how much is available to you. In general you want to be using 30% or less of what’s available to you. A way to improve your ratio is to pay down balances or increase limits.

Once you’ve settled a debt it drops off your credit report ****FALSE****

How to build a better credit score

good credit saves you money on car and home loans

Whether it’s good or bad information on your credit report stays on there 7 years.

Having a fistful of credit cards hurts your credit score ****FALSE****

Less isn’t more when it comes to the number of credit cards in your wallet. Banks like to see how you manage your credit. remember closing an account means you have less credit and can hurt your score.

You can pay to have your financial mistakes erased ****FALSE****

how to build a better credit score

bad credit cannot be erased avoid credit scams

Beware of companies that claim they can clear a credit report of your mistakes.

What these companies do is flood credit reporting agencies with dispute letters.

But once the creditor verifies that is was your mishap it goes right back on your credit report. Only factual inaccuracies can be permanently changed ( like a duplicate account)

Have a Great day! JT

 

BURN 300 extra CALORIES a DAY

Burn 300 extra calories a day

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Over 50? Try a Flattering CROCHET TOP

crochet

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Blonde Hair Color looks GOOD over 50

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HEART SMART TIPS

Menopause th Musical Humorous! must see!

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BEST CELEBRITY HAIRSTYLES for WOMEN over 50

BEST CELEBRITY HAIRSTYLES for WOMEN over 50

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BLUE NAIL POLISH MANICURE DESIGNS

wehotflash best blog for women over 50

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CHUNKY STATEMENT NECKLACE TREND

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Nail Art MANICURE Designs using BLACK NAIL POLISH

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stunning gray hair

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trendy summer pedicure designs

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GOOD NEWS! UV manicure lamp RISKS are MINIMAL

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The STRIPE MAXI SKIRT FRIEND or FOE?

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BERRIES benefit Your HEART

BERRIES Benefit Your HEART

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new study reveals red wine good for your teeth

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short HAIR STYLES for women over 50 try the new PIXIE

short hairstyles for women over 50 try the new PIXIE

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