Author: Jose

5 Tips for Improving Your Credit Score

1) Get copies of your credit report — then make sure the information is correct. Go to the Annual Credit Report web site. This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every 12 […]

4 Steps to Creating Good Credit

As a consumer you’ve learned the importance of establishing a good credit rating with your lenders.  Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score. A bad credit history or bad credit habits […]

Basics Of The Credit Score Breakdown

Many people are aware of the important role the credit rating plays in their lives. However, understanding what actually goes into a credit score (the credit score breakdown) might present a bit more difficult. There are several different methods of scoring, but most lenders and banks rely on the FICO method that has been in […]