Love Your Credit Love Your Credit A blog about learning how to fall in love with your credit again. Learn about credit repair, bad credit, budgeting, managing your money, credit cards and loans. Articles
Bad Credit Debt Consolidation Loans – Loans To Repair Bad Credit Scores
2007-04-03 23:24:00 If you think your bad credit score may negate possibilities of getting loans; revive good credit score with the help of a bad credit debt consolidation loan. These particular debt consolidation loans are devised to serve two purposes. One is to offer loans to those whose loan applications could be disapproved because of their bad credit status. Another reason is to help credit defaulters to repair their credit history with an easy to pay loan. So if you think you are in need of a loan to pay off all your creditors and establish credibility in order to get a personal loan, car loan in future, apply for a bad credit debt consolidation loan now.Benefits of Bad Credit LoanTo clear all unsecured debts, a bad credit debt consolidation loan is what the users search for. Moreover, as lenders are already aware of the users’ critical economic condition, therefore, the loan terms and rate of interests are planned accordingly. So, if you are unable to control growth of your debt level and una... More About: Debt Consolidation , Loans , Debt , Score
Fixing Your Credit Part 1 - How to Dispute Errors on Your Credit Report
2007-04-02 03:25:00 Did you know that you probably have incorrect, outdated or incomplete information that appears on your report that can lower your credit scores? I know it's a bit disturbing but it's just the sad reality :( The reason for this is generally due to human error such as someone keying in your name wrong in a credit application or a creditor not updating your account like they should be. Errors can often have a negative impact on your FICO score which is used to obtain loans, credit cards, mortgages, rental property, cell phone accounts and more. You can take your credit history into your own hands without help from expensive credit repair companies.If you are ready to embark on your own quest for FICO bliss, take a deep breath and be prepared for unpleasant surprises...1. Obtain a credit report. You can generally get one free copy a year from the three major bureaus which are Transunion, Experian and Equifax. Credit ors may report to one or all three of them.2. Print a copy and circle ... More About: Report , Credit report , Part , Repo
5 Steps to Getting Out of Debt
2007-04-01 08:25:00 1. Change Your HabitsThis can be the hardest step but you need to stop getting further into debt and take a 180. Open your wallet and take out all of your credit cards and only spend what you have.2. Track Your SpendingFind out where your money is going! Track where every penny goes for one week from gas to your morning latte. 3. Make a Budget and a PlanNow that you have an idea of where your money goes, start evaluating where you can cut costs and how much of your income you can put towards paying off your debt. Set goals that are achievable like "Pay down half of Visa card in 8 weeks".4. Start a Savings AccountIf you lost your job today or your car needed major repairs, would you be able to make ends meet? If not, then start putting aside a set amount each month. The general rule of thumb is that you should have a nest egg of 3 months salary in savings. If you can only do $50 a month, you are still putting yourself in a better situation than you were. 5. Pull Your Credit ReportsRe... More About: Debt , Step , Steps
Welcome to Love Your Credit!
2007-04-01 07:09:00 Welcome to Love Your Credit - a blog about learning how to fall in love with your credit again...or maybe for the first time! It usually starts innocently enough with maybe by racking up credit card debt or student loans and quickly turns into a downward spiral of bills piling up, jacked up interest rates, late payments and pretty soon you've hit bottom. I confess, that's actually what happened to me but I'm on the road back to credit bliss and will be writing about how to repair your credit, debt consolidation, getting personal loans, financing, home loans, auto loans, business loans and credit cards with your not-so-great credit scores. You may not be able to buy your credit flowers and make up but getting out of debt is a close second. ;) |
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