bulli238fn
Dołączył: 19 Mar 2011
Posty: 78
Przeczytał: 0 tematów
Ostrzeżeń: 0/5 Skąd: England
|
Wysłany: Czw 5:25, 12 Maj 2011 Temat postu: Air Force 1 2011 Thinking of Credit Card Debt Cons |
|
|
your credit score is a bit on the low side [link widoczny dla zalogowanych], do yourself a favor and learn these secrets [link widoczny dla zalogowanych]! You should get a copy of your credit report from Experian, Equifax and Transunion.
The three credit bureaus all report things slightly differently. Check each report to ensure all information it contains is correct. Errors will adversely affect your file and score and they do happen. It is one thing to be turned down for credit because you are not great at managing your finances. It is totally different if it happens as there are mistakes on your file.
It is good practice to obtain an annual credit score to keep track of where you stand. One thing your potential lender will look at is the ratio of outstanding debt to credit available. It is prudent to try to keep this figure under 60%. Potential lenders do not like you having too many credit facilities, so you may be advised to close some accounts.
Be mindful of the impact this action will have on the 60% ratio figure. Never assume an account is closed. Confirm your request in writing asking for the record to be marked as "closed by consumer".
You get the largest benefit by doing it this way. You should have a track record of saving so start an account today. This will also enable you to provide a collateral account in the future. Don't go overboard applying for credit as every new application can reduce your credit score. Always apply to the lender with whom you have a great track record and never apply for more than you can afford.
This will help to ensure your application is approved. Don't ignore your financial affairs particularly if you are struggling to maintain payments. Your creditors are more likely to help you if you contact them in advance of any problems. They prefer clients who take the initiative. It is possible to secure a final settlement by offering a lump sum to repay a debt. The IRS may send you a tax bill if your settlement figure is $600 or more less than what you owe on the account. Do not pay over any lump sum until the creditor has confirmed in writing that it will accept the payment in full and final settlement.
Once this letter is in your hand, you can safely pay the money. Recheck your credit score before you apply for a debt consolidation loan to see how much your credit rating has improved.
If you find your credit rating hasn't improved [link widoczny dla zalogowanych], don't rush to arrange your debt consolidation loan now. You will pay over the odds in interest charges.
Instead find the answer to whats my credit score and get FREE hints and tips to improve your rating. It is very simple. If you want to save a fortune in interest charges and finally sort out your credit problems you will check credit score now.
Post został pochwalony 0 razy
|
|