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Let’s see if this scenario sounds familiar. You haven’t looked at your credit for quite some time, and like getting a test you really don’t want to see the score to, you avoid it, hoping that by ignoring it, it will either go away or not matter, but as in all little problems, if you ignore them too long, they can become monsters that hinder your life. There are all sorts of resources online that tell you how to improve credit scores, but the question is how do you know which ones work, and how do you know which ones…

Tax time is almost here, and lots of people are already preparing their returns. If you have poor credit, you may be thinking about using your tax refund to make improvements. A variety of credit repair strategies exist, so it can be difficult to decide how to approach the problem.  Below is some information to help you decide how to put your tax money to the best use. Ways to Improve your Credit The most common methods used to improve credit include professional credit repair, DIY strategies and investing in tradelines. Professional Credit Repair Professional credit repair companies offer to…

Whether you’ve relocated from another country or want to improve your current credit rating to build a more successful future, there are a number of things you can do. Here are seven of the top steps to take in order to build more solid credit and a sound financial foundation: 1. Timely Payments The most important factor in building or improving credit is a habit of on-time payments. Timeliness counts for a full 35 percent of your credit score, so take it seriously and cultivate this important credit-boosting habit. 2. If You Are An Immigrant Start by knowing that your credit…

So, you just got a new credit card with great terms for balance transfers and low interest for purchases, but, your credit limit is only $500. Some people like having low credit limits on their cards so they cannot run up large bills. But, having a high credit limit gives you several advantages so long as you use your credit wisely. If the amount of credit you use approaches your credit card limits, you will be penalized on your credit report. But, having a high credit card limit that you use no more than 50% of help maintain a better…

TLDR: A simple step you can take TODAY, to help with your credit Have you ever noticed how the necessities in life are some of the most soul-grindingly awful? Paying taxes, working a job we may not like or looking at our credit reports? Credit is not a sexy thing, an exciting thing, even an interesting thing, but it’s as necessary as breathing in this country if you have financial goals and don’t have bucket loads of cash. You want to start a business? Loan. You want to buy a house? Loan. You want a car? Loan. Most of the major accomplishments that…