2018-06-04 07:14
It’s almost impossible to get by in our modern world without credit.We use credit to secure credit cards, use it to alleviate our financial obligations, use it to purchase vehicles and… Read More
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Credit Zeal Blog
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Follow me on my journey towards a better credit score. I will be reviewing leading credit repair companies who have a long and proven track record of success in credit restoration. Make sure to read my blog for frequent post on credit repair.
2018-06-01 07:23
Your credit report is a summary of your financial well-being. It reflects if you have any debts, whether or not you are paying your bills on time, if you have impending loans or are applying… Read More
2018-05-16 01:50
Parents with special needs children know how expensive it is to raise their child. They know what care they can get, what financial aid they can get and what funded therapies and course… Read More
2018-05-02 02:00
Financial Emergency Fund Challenges and SolutionsThe American Dream for the past 60 to 70 years, ever since the Great Depression, has been that money can buy everything, including happiness… Read More
2018-03-28 03:18
As we all know, debt is money that you owe someone. We all borrow money at some point, and it is not necessarily a bad thing. You may borrow money to go to college, start a business, buy a h… Read More
2018-03-06 08:08
Understanding the Credit Score RangeFor millions of people, understanding the credit score range can be a difficult process. Some will also discover that not only is the credit score range d… Read More
2018-03-04 00:45
You’ve likely done research on common steps you can take to lower the overall cost of your insurance, but simply calling your agent and having a conversation about your lifestyle… Read More
2018-03-03 02:42
Okay, maybe “secret art” is a little grandiose. But, the fact is that many people don’t realize negotiation is even an option when it comes to applying for and working with… Read More
2018-03-02 03:52
Many people who find themselves over their head in debt may think the best thing to do is to wash it all out and start all over again. When it comes to getting out of debt, that is probably… Read More
2018-02-27 02:19
"How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case." - Robert G. AllenThis is one of the reasons why it isn't enough to save our mone… Read More
2018-02-04 07:56
A consumer who has a FICO score of 600 will pay about $300 more a month on a $150,000 mortgage than a person who scored 800. That's $108,000 more in interest over the life of a 30-year fixed… Read More
2018-02-01 08:00
A low credit score can cost you dearly in terms of extra payments over the years toward something like a home loan. The difference between a credit score of 579 as opposed to 760, for exampl… Read More
2018-01-24 03:26
Why Do I need My Credit Report? Image from https://www.consumer.ftc.gov/articles/0155-free-credit-reportsThe end goal of this blog is to help you repair your credit, and do so &hell…Read More
2018-01-17 07:34
Do you want to de-tress your financial life? Try drawing yourself a bubble bath or just kick up your heels and relax. Whatever you do, if you really want to cut the amount of stress in your… Read More
2018-01-15 02:42
When parents send their kids to college, they’re hoping Johnny or Susie graduate with a degree and a shot at the good life that comes with that piece of paper. But a growing number of… Read More
2018-01-12 23:14
Whether you’re actively working to repair your credit, just establishing a credit history, or working toward a major purchase like a home or vehicle, you’re rightfully concerned… Read More
2018-01-09 02:27
Having a good credit score can affect many aspects of your life. Listed below are just some of those:Qualifying for a Mortgage or RefinanceThe Monthly Payment on your MortgageThe Interest Ra… Read More
2018-01-06 23:14
Identity theft and hacking are growing at super exponential rates. It won’t stop and will only get worse. The fact is that most Americans are already compromised and they don’t e… Read More
2018-01-06 05:22
Once you have established a quality credit score, you need to do your best to protect it by taking extra steps to prevent identity theft and other types of fraud. The following tips will hel… Read More
2018-01-03 08:25
Once you have established a quality credit score, you need to do your best to protect it by taking extra steps to prevent identity theft and other types of fraud. The following tips will hel… Read More
2018-01-02 09:11
Have you ever heard the phrase, too much of a good thing , when something went wrong? Well, this adage definitely applies to your use of credit cards. Specifically, spending too much o… Read More
2017-12-31 21:18
If you worry about how you are going to pay down large sums of debt, you are not alone. Millions of Americans are unsure how their debt impacts their overall finances, their credit report, a… Read More
2017-12-31 05:03
The Credit Card Accountability Responsibility and Disclosure Act of 2009 (otherwise known as the CARD act) was enacted by Congress to protect consumers from unfair lending practices, bu… Read More
2017-12-31 00:31
From carrying large balances to having your credit limit cut, discover 7 reasons your credit score could drop.Reason #1: Large BalancesThe closer you are to reaching your credit limit and ma… Read More
2017-12-30 21:16
While it is always going to be a better choice to deal with creditors directly rather than waiting for a debt to reach collections, if it does reach this point it is important to keep in min… Read More
2017-12-29 23:07
While creditors would like you to think otherwise, the fact of the matter is that any debt that you have is negotiable. What’s more, regardless of the amount, 90 percent of credit… Read More
2017-12-29 09:09
Once you have done the work of repairing your damaged credit score you are going to want to do everything in your power in order to ensure that you don’t find yourself back where you s… Read More
2017-12-23 08:07
Approximately 45 percent of all small businesses who are turned down for a loan have bad credit to blame, according to the Federal Reserve Banks of Philadelphia, Cleveland, Atlanta and… Read More
2017-12-23 07:33
Unexpected medical expenses can sneak up on anyone at any time with no warning. If a medical judgement is issued against you for costs associated with this type of scenario, the first thing… Read More
2017-12-23 03:26
How To Remove Negative Items FastWhile most issues will be removed from your credit report in seven years, (ten for bankruptcies) you may not have to wait that long if you do your due dilige… Read More
2017-12-21 23:37
While rebuilding your credit after a foreclosure is difficult it is doable if you go about it in the right way and stick to your guns in the process. It is not going to be an overnight proce… Read More
2017-12-21 03:26
To understand how the FCRA Section 609 credit repair method works, it is important to understand that the FCRA was written before the advent of the internet. As such, they require the credit… Read More
2017-12-20 08:58
Public records that appear on your credit report include civil judgments, tax liens and bankruptcy filings.Tax liens: the first thing you are going to want to do is to ensure that the debt a… Read More
2017-12-19 07:15
The BasicsHard credit inquiries will automatically be removed from your credit report after two years. If you don't want to wait that long, you can take the following steps to remove them in… Read More
2017-12-18 06:36
2017-12-17 00:20
2017-12-16 05:31
2017-11-27 08:09
When financing big ticket items like a home or a car, loan shopping can help you find the best rates and options before striking a deal. However, you may be worried that multiple credit inqu… Read More
2017-11-24 03:54
Government debts do not fall under consumer protection laws – unpaid parking tickets, traffic fines, student loans, and other debts can crop up from time to time. However, if you are l… Read More
2017-11-22 03:47
AFNI Inc. is one of the most well-known debt collection agencies in the United States and their debt collection practices have been anything but ethical in the past. If you’ve received… Read More
2017-11-21 01:18
For most consumers, choosing between credit repair lawyers and a credit repair service seems like too much work, especially when working with a reputable credit repair company is usually eno… Read More
2017-11-20 00:29
If you are in debt for many years,you should know that there is no easy way to reach debt free in a short time. It may take some time for you to become debt free and get your finances under… Read More
2017-10-05 22:48
You maybe asking yourself the question "how do I fix my credit score?". There are several answers to this a question and if one can apply the best practices you will find the that it doesn't… Read More
2017-10-05 00:35
If you're struggling with debt because of a bankruptcy, collection account, judgment, liens, foreclosure, or legal action there are steps you can take to rebuild your bad credit. The first s… Read More
2017-08-17 08:45
We all know the statistics; half of all marriages end in divorce. Whether the circumstances that brought your marriage to an end are tragic, dramatic or even amicable – it can be a cri… Read More
2017-08-14 04:09
You have likely heard several times in your life the adage, “If it sounds to good to be true, it probably is.” You can be assured those words of wisdom apply to avoiding credit r… Read More
2017-08-14 02:48
If the last two years have shown consumers anything, is that it’s wiser to hold onto those credit cards than to let them gather dust, or else you’ll find yourself with lowered cr… Read More
2017-08-10 03:46
A FICO score is at the root of whether or not you are accepted or denied credit or a loan and whether you will receive higher or lower home and auto insurance rates. Short for Fair Isaac Cor… Read More
2017-07-25 01:37
As a fairly young professional, I often come across peers who seem to be going through a rough financial patch. It’s doesn’t require a large stretch of the imagination to see why… Read More
2017-07-18 02:11
Every woman, whether married or single, should have credit in her own name. Should anything ever happen to her spouse and the family credit is in the husband’s name, she may not be abl… Read More
2017-07-13 02:57
As the baby boomers reach retirement age, many find themselves unprepared for the changes that lie ahead. Planning for the future doesn’t need to be overwhelming. If you are nearing re… Read More
2017-07-13 02:10
The Fair Credit Reporting Act: Know Your RightsThe Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consume… Read More
2017-07-05 02:23
It has become difficult in these times for many people to even think about owning a home. This economy and the damages it has brought about has scared a number of people away from home owner… Read More
2017-06-29 05:08
Consumers that are looking to improve their credit and credit score often look for ways to get their existing debt under control. Managing and reducing existing consumer debt is certainly on… Read More
2017-06-23 23:03
Due to the current financial situation in the world, the fact that people are working fewer hours and the rising cost of inflation, a lot of people will find themselves needing help wit… Read More
2017-06-21 04:38
A financial lifecycle is a term that financial professionals use to describe where we are in our life and how it affects our financial situation. It’s a way of measuring where we are a… Read More
2017-06-20 04:13
If you want to make better financial decisions, one of the best things you can do is to take care of yourself. It’s not just about seeing a lower health insurance bill because you are… Read More
2017-06-19 01:33
You can achieve financial freedom as long as you want it and work hard for it. Unless you are part of the 1%, your journey on the road to financial freedom will be a long one. In this articl… Read More
2017-06-15 00:08
We all know that we’re supposed to save. You have to save for retirement, emergencies, college, large purchases, etc. However, this doesn’t mean that everyone is saving… Read More
2017-06-14 23:42
While having bad credit can make it more difficult to start a business, it doesn’t make it impossible. If you are truly dedicated to the idea of entrepreneurship, there are some ways t… Read More
2017-06-09 00:34
One of the best ways to avoid dipping your fingers into your savings (especially your emergency fund for non-emergencies) is to automate your savings accounts so that your money flows throug… Read More
2017-04-17 23:17
FICO scores are one of several credit scores that are used by lenders, banks, insurers, credit card companies and other companies to measure consumer risk objectively. A credit score c… Read More
2017-04-14 00:50
One of the four main components of credit data in a credit report includes public record information. Public records include items such as bankruptcies, tax liens, legal judgments and… Read More
2017-04-14 00:50
One of the first steps to improving your credit score is locate the problem areas. To identify the problems in your credit report you first have to review a current report and find the… Read More
2017-04-14 00:50
Bad credit comes in a number of different flavors. Late payments on a credit a card, collection accounts or a charged off medical debt can all fall under the heading of bad credit lead… Read More
2017-04-14 00:49
Credit has become an almost indispensable tool in our society. Almost everyone uses some form of credit whether it is in the form of credit cards, car loans or mortgages. Credit… Read More
2017-04-14 00:49
Auto insurance companies often consider your credit report when they are determining the proper rate to charge you for your auto insurance. If you are shopping around for auto insuranc… Read More
2017-04-14 00:48
Credit is an instrument in which you are using someone else’s money to pay for things. Credit means having the resources and ability to go into debt so that you can buy now and p… Read More
2017-04-14 00:48
For some individuals, trying to improve their credit score and credit history can be a difficult task. Often the problem of improving a credit score is that the cause of the problem or… Read More
2017-04-14 00:47
Credit counseling organizations are designed for people who are so far in debt that they are facing bankruptcy. This is an important distinction. If you find yourself with poor c… Read More
2017-04-14 00:47
When a person falls behind on their debt, things can be overwhelming. They may be laden down with harassing calls from debt collectors. Or worse, they might even have to go to co… Read More
2017-04-14 00:47
If your finances are spinning out of control it may make sense to get some help. The first task is always to help yourself. Stop and assess your debts and credit history and work… Read More
2017-04-14 00:46
Your credit report can impact a many areas of your life. Although creditors usually consider a number of factors in deciding whether to grant credit, most creditors rely heavily on you… Read More
2017-03-06 18:26
A credit reporting agency is a repository of information that holds an individual’s credit or payment history. An individual’s credit report is created when a request for a… Read More
2017-03-01 03:54
This may remind you of your school records in elementary or high school when your history seemed t be passed along from teacher to teacher. Negative information stays in your credit re… Read More
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