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The Six Worst Things For Your Credit Report

Money Saver: It's easy to make mistakes when it comes to your credit. Some mistakes are so detrimental; you'd never want to appear on your credit report. Since future creditors and lenders use your credit report to make decisions about you, there are some things you'd never want to show up on your report. 1. Charge-offs Missing your payments for 6 months or more could cause your creditors to deem your account as uncollectible. When this happens, the creditor writes off the account and updates your credit report as "charged-...

CreditCardsGuru on May 24, 2010 0

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How To Correct Credit Report Errors Yourself For Free

Card Insider: You can correct credit report errors yourself for free. You have to work hard to keep your credit score high. And it’s really a pain in the neck when somebody dings your credit by mistake. And each credit ding will cost you lots of money. You’ll find it difficult to find a good job, you’ll pay higher interest for mortgage and credit loans, and your homeowners and auto insurance will be higher too. The good news is if someone reports something negative about your credit by mistake, they have to fix it. That goes for both the reporting company and third party...

CreditCardsGuru on May 10, 2010 0

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Should You Cancel Your Credit Card?

Card Insider: People cancel credit cards for lots of reasons. Maybe your cards now come with an annual fee that wasn’t required before. Or maybe your credit limit has been slashed while your interest rate has increased. Whatever your reason, it’s sometimes tempting to get rid of old credit cards by closing your accounts. But is this really the best approach? Here are some factors to consider before you cancel your credit cards. Reasons to Cancel As mentioned above, lots of cardholders have been shocked to find that the terms of their credit cards are significantly worse now than ...