Good Credit Rating Score

What does it take to get a good credit rating score? Well, first it takes time. Having good credit doesn’t happen overnight. You’ll need to actually HAVE credit before you worry about a good credit rating score. To do that, you may want to start out small with a department store or gas credit card. These are relatively easy to get. Once you have the card, charge some small items and then pay the bill off in full for several months. We must caution you here – don’t charge more than what you can pay off in full. If you carry a balance, it won’t reflect well on your credit report.

How to get a good credit score

good-credit-scoreAnother way to get a good credit rating score is to have a co-signer on a large loan like a car loan. The co-signer is basically guaranteeing that you will pay the loan and if you do, it will reflect very well on your credit report and raise your credit score repair. You see, what you need to get a good credit rating score is a history of on-time payments and no abuse of credit. What we mean by that is that you don’t want to apply for and get several different credit cards and charge items on all of them. This just shows the credit companies that you are being irresponsible with your credit and have little financial finesse or know-how when it comes to managing money.

To get a good credit rating score, the most important thing to remember is to pay on time. We can’t stress this enough. Most companies that extend credit to you will allow you a grace period to make the payment. For example, if your payment is due on the first of the month, they usually tell you late charges will occur if you pay after the 13th. So essentially, you have between the 1st and the 13th to make your payment. While this sounds great, if you wait until the 13th to make your payment, this really can reflect poorly on your credit report. So if your bill is due on the 1st, pay it on the 29th, 30th, or 31st of the previous month just to be sure.

On time payments

A great way to ensure that you are making on-time payments is to have them deducted directly from your checking account. This alone will contribute toward a good credit rating score because it shows fiscal responsibility. Plus, it ensures that your payments are made on time and you won’t miss any payments. Of course, you’ll have to be sure there’s enough money in your account to cover the payments since credit bureaus also look at your checking accounts.

Getting and maintaining a good credit rating score secrets is actually quite easy when you set your mind to it.

Does Paying Off a Credit Card Raise Your Credit Sc

No matter how high your credit score may be, chances are good that you’d like it higher. The maximum for credit scores in America ranges between 300 and 850, and you can bet even the folks at 849 are wishing for one more point. Why shouldn’t they? A credit score is a standardized form of determining a person’s likelihood of defaulting on any bill or loan they may have. Many industries, specifically in the financial sector, depend on these figures to help educate them on whom to support economically.

What affects credit score?

credit-debtOne of the chief things that affect a credit rating is the manner in which someone utilizes their credit cards, which makes sense. People who abuse these resources, pay back their lenders in a habitually tardy fashion, or people who constantly pull out large cash advances? These are people who banks can be reasonably certain will have issues with paying back any sort of debt. The way that the credit bureaus calculate their scores reflects this, and they grant those who employ these sorts of methods lower credit scores.

Most people then expect to pay off credit cards to afford them an equally improved score, which is logical. The problem is that they’re not thinking how the credit bureaus are thinking. The three major companies are Experian, TransUnion, and Equifax. The oldest of these companies are Equifax, which is over 110 years old, websites like this help to fix your credit score. That much experience affords a company a lot of information on how people lend money, and how they pay it back. It also affords them a great deal of knowledge of what actions are red flags that indicate a person is less like to make good on their debts.

Paying back a card isn’t some special thing you’ve done for them; it was part of the agreement the moment you applied for the card. The bureaus know this, and it makes them reluctant to awarded higher scores over doing what is already expected. In order to have your credit habits have a positive effect on your rating, you need to prove that a timely payment schedule is actually a routine for you.

Common mistakes

In regards to a credit card, one common pitfall that actually lowers your score instead of raising it is canceling lines of credit while you are still dealing with a significant amount of debt. This may seem weird, but it makes sense when you think about it. Credit bureaus consider your credit limits, and how much of that limit is already used up, when coming up with your score. By eliminating vast pools of unused credit, you’re making the numbers reflect t a worse situation than you may actually be experiencing. While you shouldn’t hold on to cards that you no longer want, save their cancellation for when you have taken care of a large quantity of your debt. Then, make sure you do them one at a time instead of all at once. Instead you need to use credit fix secrets.

Paying your credit card bill does raise your credit score, but not nearly as much as most people would like considering how much a missed payment can drop it. The best thing you can do with a credit card is to use it only is a responsible manner. People who operate with restraint when using credit cards will have good credit ratings.

How to Get Debt Collectors to Stop Harassing You

Are those annoying credit debt collection calls getting to you? If a company believes you owe them a debt, they do legally have the right to contact you to retrieve that debt. However, in just 30 minutes of work, you can get them to never contact you again.

Here’s how to get debt collectors of all non-business debt to stop harassing you.

Before Getting Started

Before you request them to stop contacting you, it may be a good idea to actually talk to the collectors just once.

That way, you can get a good idea of what’s going on. The debt could be a lot less than you expected. Or you might be able to negotiate a much better deal than you’d expect.

Often paying a fraction of your credit debt may be better for you and your credit than if you just defaulted on the debt.

That said, if you do choose to ignore your creditors, here’s how to get them to stop contacting you.

Cite the Fair Debt Collections Practices Act

credit-collectionThe Fair Debt Collections Practices Act (FDCPA) is the act that prevents debt collectors from acting out of line. It’s also your main leverage when it comes to getting debt collectors off your back.

If you want debt collectors to stop contacting you, all you need to do is send them a letter citing the FDCPA. Ask them to cease all contact with you as required by law.

Make sure you send the letter with a return receipt, so you know when they’ve received the letter.

Once they’ve received this letter, they cannot try to contact you to collect a debt any longer. The only two reasons they can contact you for are to either let you know that they’ve added you to their “do not contact” list or to inform you of further action, such as a lawsuit.

There are many different templates you can find online for ceasing contact request letters. It’s very easy to just print one of these out, replace the address and email it.

What Happens If They Still Contact You?

If they continue to contact you after you’ve sent them the letter, you’re eligible for a lawsuit.

You can get paid $1,000 plus legal fees if a debt collector still continues to contact you after you’ve requested them to stop. You don’t have to prove damages.

Using this simple method, you can get a creditor off your back in as little as 30 minutes. All you need to do is buy an envelope and stamps, print out the letter and put on their address. After that, you should either have no more contact or be eligible for a lawsuit if they keep pestering you using this credit fix secret.

Consumer Credit

What is meant by customer credit?

When we refer to consumer credit, we are talking about the use of credit to finance transactions without having to pay the full amount of the merchandise at the time of checkout. The most common form of consumer credit is a credit card issued by a financial institution.
Merchants may also provide financing for products which they sell. Banks may directly finance purchases through loans and mortgages. This type of consumer credit is most often used for cars and homes and other large purchases. There are man credit fix secret to help you fix your credit.

The law of consumer credit is primarily embodied in federal and state statutory laws. These laws protect consumers and provide guidelines for the credit industry. There are many different laws that protect both the lender as well as the borrower when it comes to consumers obtaining credit.
States have passed various statutes regulating consumer credit. The Uniform Consumer Credit Code ( has been adopted in eleven states and Guam. Its purpose is to protect consumers obtaining credit to finance their transactions, ensure that adequate credit is provided, and govern the credit industry in general.

Congress passed the Consumer Credit Protection Act in part to regulate the consumer credit industry. It requires creditors to disclose credit terms to consumers. The Consumer Credit Protection Act also protects consumers from loan sharks, restricts the garnishing of wages, and established the National Commission on Consumer Finance to investigate the consumer finance industry.

Credit help

credit counselling

Credit card companies and credit reporting agencies are also regulated by the Act. The Act also prohibits discrimination based on sex or marital status in the extending of credit. The Act also regulates certain debt collectors and provides for rules as to what they can and cannot do when attempting to collect a debt.

Let’s face it, we need to have credit. We may not need it for everyday things like groceries and toiletries, but if we want to own a car or a home, it’s necessary as not every consumer can pay cash for such high-ticket items making obtaining credit a must.

From credit counselling agencies to credit card companies and credit lenders, consumer credit is a multi-billion dollar industry. Because we do need lines of credit to get some important things in our lives, it’s a good thing that legislators realize that having consumer credit laws is needed so that abuse of the system doesn’t occur. Credit help can help with credit restoration.

The everyday consumer has at least one line of credit open, but the average in the United States shows that we have at least four to five lines of credit in some way, shape, or form. As a consumer, you must use your credit lines wisely and pay your instalments on time. If you don’t, you will find yourself with a bad credit rating and a bad credit report. Consumer credit can work for you or against you – it’s really all up to YOU!

Consumer Credit Counseling Services

credit debtDebt can get out of control quickly which is why there is an ever-growing need for consumer credit counselling services. These businesses specialize in helping people who are in debt over their heads and need help getting out of debt and back into financial stability. They are experts in helping people get out debt and get back on their feet using credit fix secrets.

How do you know if you need to find a consumer credit counselling service?

– Am I having trouble paying my bills each month?

– Am I constantly living paycheck to paycheck with nothing left over after my bills are paid?

– Do I get phone calls from debt collection agencies on a regular basis?

– Do I avoid answering those phone calls because I can’t pay the bills?

– Have I been unable to get credit for a car or home?

If you can answer “Yes” to any three of these questions, you probably should be seeking out the help of a consumer credit counselling service. All of the above questions are indicators that you might be in debt way over your head and you probably won’t be able to get out of trouble by yourself or repair your credit.

credit counselling services

There are so many consumer credit counselling services that it might be overwhelming trying to find one that will meet your needs. Here are some things you must demand from a consumer credit counselling service:

– Everything should be provided to you in writing as to services they will be providing you

– Your fee should be a percentage of the amount of money they save you when negotiating with your creditors – not a flat fee.

– You should be advised of your rights as a consumer and what you can expect from them

– Their debt re-payment plan should be tailored to your personal needs – not a “cookie cutter” approach that can be used by almost anyone

– You should have the right to cease doing business with them if you are not happy with their services

Consumer credit counselling services can be a great help when it comes to getting out of debt and staying out of debt. They will be able to help you devise not only a repayment plan for your creditors, but they will also be able to give you tools that will help keep you out of debt in the future as well.

Credit Repair Kit

There are hundreds of products on the market right now calling themselves the ultimate credit repair kit. They come in book form, computer software form, and even DVD/CD-ROM form. Actually, when it comes to credit repair, these kits can actually help people who are facing problems with their credit reports and credit scores.

Credit Repair Books

credit-repairOne great product we found is a book written by John Ventura called The Credit Fix Kit. It is available on Amazon for anywhere from $1 used to $15 new. This book has gotten rave reviews as the ultimate credit repair guide for anyone who needs to take steps toward a better credit rating. This book contains extensive information about the credit reporting bureaus, credit report basics, how to read your credit report, and how to correct credit problems. The information in The Credit repair secret Kit is very in-depth and is easy to read – perfect for the average everyday consumer wanting to repair their credit.

There are numerous e-books available on the Internet as well that can be considered credit repair kits. The best part about e-books is that they are downloaded directly to your computer and are available to buy any time of the day or night. They contain a lot of the same information as a paper book but offer a lot more convenience.

As we said, there are also credit repair kits that come in software programs that can be run on your computer. These programs offer tools that connect directly to the main credit reporting agencies and check your credit report for you along with tools to help keep you out of credit trouble once you have repaired your credit.

What should you look for in a credit repair kit? Here are a few topics you’ll want to look for:

– An explanation of how credit reporting agencies gather and evaluate the information on your credit report.

– How to read your credit report.

– How to find out what your credit score is.

– What to do if there are errors on your credit report.

– How to handle identity theft

– Ways to rebuild your credit and raise your credit score

– Tools to make long-term goals that will keep you out of credit problems once you have repaired your credit.

A credit repair kit is a great way for the average consumer to take steps on their own toward raising their credit and becoming financially solvent again. Using a credit repair kit can be one of the most important tools in your arsenal when you want to make your credit score go back to where it was before you got into trouble.

Consumer Credit Card Counseling Services

Dealing with credit debt

If you have found yourself overwhelmed by credit card debt, you might want to seek out the services of a consumer credit card counselling service. They actually are a part of consumer credit counselling services that are available to consumers all over the world. They can help with counselling services when it comes to your credit card debt as well as any other debt that can be affecting your credit report and your credit rating.

Credit Services

credit cardsThe most prominent credit service is Consumer Credit Counselling Service. They have locations all over the United States as well as in thirteen countries. You can find them online as well as in your local Yellow Pages. They have a proven reputation for helping people get out of credit card debt and back on their feet.

There are other consumer credit card counselling services available to Joe Public and they can most often be found on the Internet. Just do a Google search for consumer credit card counselling services and you will find many, many companies to choose from. You’ll need to be cautious, however, when picking a company blindly like this.


Take a moment to ask questions about their company. Check with the Better Business Bureau to see if there have been any complaints filed against them. If you think they are reputable and decide to use them to get out of credit card debt, make sure that all of their services are spelled out on paper and read the fine print.

A reputable consumer credit card counselling service will advise you of your rights as a consumer as well as a customer of theirs. They will outline up-front what services you can expect from them and have everything in writing so you will know that you are protected. Be sure you look for an “out clause” that allows you to cancel your contract if you are unhappy with their services.

You will pay a fee for their services, but it’s often quite a manageable fee. The consumer credit card counselling service will then call your creditors and negotiate repayment of the account. They can often get the credit card company to lower the amount due if the account will be paid in one lump sum. They also can often get your financing percentage rate lowered which can lower your monthly payment to them.

Consumer credit card counselling services provide a great option for people who have gotten themselves in over their heads with credit card debt. Proceed carefully and be a smart consumer. You will soon find that you can enjoy a debt free life!

Annual Credit Report

As a consumer in the United States, the Federal Government decided back in 2003 that you are entitled to receive a free annual credit report so you can monitor your credit and your credit rating. The FACT Act was passed unanimously so that all Americans could get a free annual credit report and be able to keep track of what the credit reporting agencies were compiling on them.

This is groundbreaking in that people are now able to see what lenders see, correct any errors that are on the report, and keep track of their credit to prevent any blemishes that might damage their worthiness as a credit risk. Before the FACT Act was passed, the only people privy to this information was the lenders and the credit reporting agencies.

There are two ways you can go about receiving a copy of your free annual credit report. First, you can go directly to any of the websites of the credit reporting agencies. These agencies are Experian, Equifax, and TransUnion. Their web addresses are,, and

You will have to answer a few personal questions and provide proof of your identity based on some of the information on the credit report. Then the report appears directly on your computer screen so you can view it, download it to your computer, and/or print it out.

The second option you have is to go to either or They will eventually be directing you to the credit reporting agency of your choice, but they will be able to easily guide you through the process of getting your annual credit report.

It is very important that you take advantage of getting your annual credit report each year and checking it for accuracy. Mistakes can be made, and they can affect the decisions of lenders when you apply for a line of credit or a loan. Just one mistake can make the difference between a yes and a no from the lender.

You will also want to monitor your annual credit report for any information that does not apply to you. It can alert you to identity theft if you see that there is information on there that isn’t yours such as a credit card you never applied for or a loan that you never sought out.

The annual credit report is a great tool for consumers to have when it comes to their credit. Not using it is a huge mistake, so go out and get your annual credit report today if you haven’t already. It’s the best thing you can do for yourself. There are also many great ways to fix your credit score.