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Credit Scores 101

On August 31, 2011, in Credit Aid, Credit Score, by KimberlyC

Credit Score

When trying to obtain credit, your credit score is used to determine if you qualify for a loan. While there are credit reports for businesses, which use a completely different scale of measure, today I am going to discuss some of the basic information you will find on your personal credit report and how they affect your overall credit score.

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How Do Credit Scores Work?

On August 30, 2011, in Credit Aid, Credit Score, by KimberlyC

Credit Scores

In today’s discussion we will talk about how credit scores work. Understanding your credit score and how it works in the process of obtaining credit will help you to maximize your ability to obtain credit as well as minimize the interest. Only a few points one way or the other can make all the difference, making it important that you know what factors contribute to the overall assessment of your report. In general there are items which are considered negative; bankruptcy, foreclosure, collections, etc. and items which are considered positive; credit cards and loans that are being paid on time. We will discuss this in some further detail in today’s article.

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Understanding Your Credit Score-2

On August 29, 2011, in Credit Aid, Credit Score, by KimberlyC

Credit Score

It is important in today’s economy that you have a clear understanding of your credit score and your credit report. In today’s article, we will go over some of the items on your report and how they affect your overall score. Items on your report fall into two basic categories: positive and negative.

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Understanding Credit Repair Services

On August 26, 2011, in Credit Aid, Credit Repair, by KimberlyC

Credit Repair

There are basically two reasons why you might want to utilize a credit repair service. First, if you have been the victim of identity theft and secondly if you have incorrect information on your credit report that you need to have corrected. Today, I will help you to understand credit repair services and what they can do to help you, but it’s also important to know what they can’t do for you.

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