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Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future, 2nd Edition
Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future, 2nd Edition
by Liz Pulliam Weston
Our Price: $12.91
Used from: $7.95

Credit Scores and Credit Reports 3rd ed: How The System Really Works, What You Can Do (Credit Scores & Credit Reports: How the System Really Works,)
Credit Scores and Credit Reports 3rd ed: How The System Really Works, What You Can Do (Credit Scores & Credit Reports: How the System Really Works,)
by Evan Hendricks
Our Price: $13.57
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CreditBooster: Ultimate Guide to a Better Credit Score     credit, debt, credit scores, credit reports, free credit reports
CreditBooster: Ultimate Guide to a Better Credit Score credit, debt, credit scores, credit reports, free credit reports

Used from: $14.00

BestCredit: How to Win the Credit Game, 2nd Edition
BestCredit: How to Win the Credit Game, 2nd Edition
by Dana Neal
Our Price: $16.50
Used from: $15.49

The Complete Idiot's Guide to Improving your Credit Score (Complete Idiot's Guide to)
The Complete Idiot's Guide to Improving your Credit Score (Complete Idiot's Guide to)
by MBA, Lita Epstein
Our Price: $10.36
Used from: $6.49

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Credit Score Article

How To Improve Your Credit Score

We all get reminders in the mail by the way of a bill to make our monthly payments. The monthly credit card statement will show our purchases over the last month. Make sure you review it to make sure there are no errors or information that is incorrect. If you are interested in obtaining more credit and apply for a higher limit and are denied, you may want to look at your credit score.

If you have no idea what your credit is, request a copy of your credit report and review it. Make sure all the information is correct. If there are errors you will want to contact the agency and let them know. They will then ask you to submit a letter asking for the information to be corrected and why.

Then check back in 30 days, to make sure the information has been corrected. If not, you will need to write them another letter. This may end up being an involved process because you usually have to write to them several times, before the information is corrected.

There are ways that you can improve your credit rating such as making your payments on time and keeping the balance on your credit cards low. You will need to work on improving your credit card, as there is no quick fix.

If you want to obtain more credit there are ways you can do this .It is best to request a higher limit on your current card rather than collecting more cards. You certainly can collect more cards, but you are still responsible for making those payments and it will not help your credit score.

Most likely the lower your credit score the higher the interest payment. You will end up paying more money. Also you may end up with a lot of credit cards with little to no balances on them which will not help you either. Creditors are looking for history of payments. If you use the card, they want to make sure you are making payments in a timely fashion and are meeting or exceeding the payment requested.

You may want to pay more than the minimum monthly requirement. The credit card company keeps track of your payments and will take note if you are able to pay more than the amount requested. This will demonstrate to them that you deserve more credit because you are choosing to pay more than you have to.

If you continually request an increase in your credit limit and keep getting denied you will need to inquire as to why and what you can do to improve your credit score. You may be surprised by the response as your creditor may have incorrect or outdated information.



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Credit Score News

FINANCIAL PLANNING: Timely tips can raise credit score - Cherry Hill Courier Post


FINANCIAL PLANNING: Timely tips can raise credit score
Cherry Hill Courier Post, NJ - Oct 16, 2008
Most people with credit scores in the mid-700 range or higher will likely qualify for the loans they want without having to pay a premium for credit. ...

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Tighter Rules On Car Loans Could Slam GM's Sales - Wall Street Journal


Central Penn Business Journal

Tighter Rules On Car Loans Could Slam GM's Sales
Wall Street Journal - Oct 15, 2008
Mr. Jackson estimates 60% of his GM buyers are sub-700 credit-score buyers, although it varies by region. At AutoNation's Dallas and Fort Worth, Texas, ...
More bad news...or not? GMAC cuts loans based on credit score WalletPop
Car Dealers Say Credit Crunch Will Crush Them FOXNews
How's Your Credit? GMAC Only Lending to Customers With Scores of ... MotorTrend Magazine
U.S. News Rankings & Reviews - Bloomberg
all 263 news articles

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Spotlight on bright side of mortgage market - Seattle Times


Washington Times

Spotlight on bright side of mortgage market
Seattle Times, United States - 11 hours ago
Or with a credit score below 720? Absolutely. It would be a big stretch to label housing the sunny side of the market at the moment, but there's a lot more ...
Rescued by Fannie Mae? Washington Post
all 321 news articles

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Your Money Q & A: Credit Scores - New York Times


New York Times

Your Money Q & A: Credit Scores
New York Times, United States - Oct 13, 2008
John R. Ulzheimer, the author of “You’re Nothing But a Number" and an expert on credit scores, answered reader questions on credit and the importance of ...
Your Money One Thing You Can Control: Your Credit Score New York Times
all 17 news articles

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Experts offer ways to stay afloat in stormy times - San Jose Mercury News


Experts offer ways to stay afloat in stormy times
San Jose Mercury News,  USA - 4 hours ago
You won't miss it. MarksJarvis: Check your credit score. Use www.annualcreditreport.com and you can see what's been ruining your credit. ...

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