So you cant get a loan. It was probably your credit score that clinched the deal to the wastebasket.

The rest is here:
Tips on How to Improve your Credit Score – Mortgages Debt

Getting perfect credit scores can be tough if you have made your share of credit mistakes in the past. This doesn’t mean that it isn’t possible, though. There are a few things that you need to know about your credit score that can help you raise it and maintain it high. Are there mistakes on your credit report? Are you paying your bills on time? Do you have an excessive or a very low amount of available credit? What are your past credit applications? (more…)

There are college loans for parents with less than perfect credit. So if you want to send your kid to college and you don’t have the best credit score, you can still do that. Of course, your credit score can’t be all that bad, because nobody is willing to loan money to those who according to their credit score, aren’t really good at managing money. The only way to find out for sure if you will be able to qualify for one of the college loans for parents with less than perfect credit is to go ahead and apply. (more…)

The importance of making your credit score excellent cannot be understated. With an excellent credit score, lenders will seek you out and you can be assured of the best financial deals. Since your credit report is based on your credit history, you will need to have healthy credit practices so that you can make your credit score excellent. It might take at least 6-12 months for you to see a change in the credit report you have now. It takes so long because the credit bureaus want to be sure that whatever changes you are making are not just temporary arrangements to improve your rating. (more…)

If you are looking for a good job, you may be wondering “Do I need perfect credit to be accountant?” More and more employers are starting to look at their employees’ credit scores before they make the decision to hire them. Other than that, there is no reason why anyone should have a perfect credit score if they want to work as an accountant. (more…)

Whether you have a great credit rating or a poor credit score , there are always things you can do to improve it.

See the rest here:
7 Tips to Improve Your Credit Rating

Trying to start a good credit score from scratch.Any tips would be greatly appreciated.Raphael.

Here is the original post:
tips on how to get a good credit score?

Just about every one of the websites which claim to be offering a free credit score have some hidden agenda. Most of them are trying to get you into some credit monitoring or an identity theft protection service that charges you a ..

Originally posted here:
How to Get Your Credit Score For Free Without the BS | Fine-Tuned …

Spouses and children can improve their credit score by being an authorized user on a credit card account, but that’s it.

Here is the original post:
FICO Credit Score Changes

A credit score of 635 is OK or as FICO calls it “good”, but it can very easily drop to fair or poor. What you want is to make your credit score 635, good or excellent. I know it is already “good”, but it needs to be stronger. Don’t think that credit companies don’t notice this. Barely hanging on the “good” is not the same as “almost excellent” rating. And yes, although both 635 and 749 scores are considered to have “good” rating, this doesn’t mean that the credit companies will treat them the same way or give them the same preferences.

If you want to get your credit score 635, good or excellent, now is the time – while you’re still in the “good” range. An easy way to boost up your score by a few points is to make your payments online or automatically payable. This way you’ll never forget to pay a bill and leave it sitting on the counter thinking “I’ll pay it tomorrow.” No, you won’t pay it tomorrow,–and this will result in bad credit rating. Another thing that lowers your credit is unpaid tickets – make sure you pay them right away or even better – drive safely. Another way to make your credit score 635 good or excellent is to try and increase your income. I know they say they don’t take it into consideration in the FICO scores, but when you apply for a loan or credit card, they will definitely consider it. When you make more money, paying your credit and bills will not be a problem, and if you do so on time, your credit score will start going up. (more…)