Top Credit Unions in Miami, FL 33143
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Credit Repair & Credit Restoration
By Mponce June 22, 2015
Highly knowledgable and helpful good people too ...read more
Credit Repair & Credit Restoration
By Mponce June 22, 2015
I would say to use these people they helped thoughout the service and in the end I got what I needed ...read more
Credit Repair & Credit Restoration
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15 Reasons You Should Repair Bad Credit
1. Save money on interestLow credit scores mean higher interest rates, and that means higher finance charges on your credit card balances. Repairing your credit would allow you to get a more competitive interest rate and cut back on the money you pay in interest. 2. Stop paying high security depositsUtility service providers and even phone companies check your credit before allowing you to establish service. To offset the risk of a default, those service providers charge you a deposit. Making your payments on time will allow you to get your deposit back. Improving your credit score keeps you from having to pay the deposit all together. 3. Get a lower insurance rateBelieve it or not, your credit history affects what you pay on insurance premiums. This includes auto, life, and home insurance. A bad credit history means you'll pay more for insurance than you would if you had better credit. 4. Stop paying cash for everythingIf you have bad credit, you'll have a hard time getting a credit card, which means you'll end up paying cash for everything. It doesn't become a nuisance until you need to do something like renting a car, where you have to pay an extra deposit if you don't use a credit card. 5. Get a higher credit limitGenerally, as you demonstrate you can pay your bill on time, your creditors will increase your credit limit. But, before a credit card issuer increases your credit limit, it checks your credit. A bad credit history might get your credit limit cut, giving you less room to make purchases. 6. Stop debt collector harassmentRepairing your credit includes paying off those debt collection accounts. Until you do, you face relentless calls and letters from debt collectors. While you can take action to stop debt collector calls, collection accounts often move from one debt collector to another. When a new collector gets your debt, you'll have to go through the process of stopping the calls all over again. 7. Feel better about your credit scoreAfter you repair your credit, you won't have to be afraid of checking your credit score or worse, having someone else check it. You can have confidence knowing you have a healthy credit score. 8. Buy a new houseHomeownership has always been the American Dream. Bad credit is the nightmare that keeps you far away from that dream. Many banks won't lend you a mortgage until you've repaired your credit. Those that will approve you with a high interest rate that makes home ownership cost a lot more. 9. Rent an apartmentNot only can bad credit keep you from buying a home, it can also keep you from renting an apartment. Many landlords now check credit to determine the probability that you'll be late on your rent. Bad credit could get your rental application denied. 10. Buy a new (or newer) car Auto lenders are among the many businesses that check your credit before lending to you. Without a good credit score, your auto loan application could be denied leaving you to drive the same vehicle. 11. Get a job Employers check credit before deciding to hire you. Some government and financial jobs are particularly curious to know about your financial history. A bad credit history could cost you the job, or the promotion if you're already employed. 12. Take some financial pressure off your spouse When one spouse has better credit than the other, the spouse with good credit will be the one applying for the loans and credit cards. Improving your credit will let you bear some of the credit-brunt rather than placing it entirely on your spouse. 13. Stop relying on co-signers When you have bad credit, you'll often need others to co-sign for your loans and credit cards. If you can find somemone to co-sign, you're putting financial pressure on them but they don't receive any of the benefit. Repairing your credit will save you the time and hassle of burdening someone else with co-signatures. 14. Start your own business Starting a new business takes money, so many entrepreneurs rely on small business loans to get their businesses of the ground. Bad credit can keep you from getting the financing you need to start your new business. You'll have to improve your credit before a bank will give you a loan. 15. Protect your children's credit score Having bad credit can tempt you to use your child's credit. You might think you'd never do that but you never know what you'll do when your desperate. Say you have to have electricity turned on, but your credit's too bad. You could easily rationalize using your child's credit to have the electricity turned on. Keep your own good credit and you won't think about exploiting your child's. ...read more
By Active Working Credit April 28, 2010
How Credit Reports Work
We depend on credit for so many important things in life -- whether it's for buying a car, house or getting a student loan. A three-digit number -- your credit score -- can determine whether you can do these things and even how much it will cost you. How can a simple number determine whether you can buy a house or car? If you've read How Credit Reports Work, you know that your credit report contains a history of how you've paid your bills, how much open credit you have, and anything else that would affect your creditworthiness. Your credit score boils down all of that information to a score. Using the credit score, lenders can predict with some accuracy how likely the borrower is to repay a loan and make payments on time. It's how electronics and department stores can offer instant credit.A credit score number is often called a FICO score, for Fair Isaac Corp., the California company that developed the system upon which it is based.Scores range from the 300s to about 900, with the vast majority of folks falling in the 600s and 700s. The higher the score, the better. ...read more
By Active Working Credit April 14, 2010