Build Credit History – 3 Easy Ways to Build a Solid Credit History Quickly
April 3, 2009 by Rick · 2 Comments
Build Credit History – 3 Easy Ways to Build a Solid Credit History Quickly
By Joseph Crutchfield
Learning to build credit history is actually very simple. The key is to continually and proactively boost your credit score on a regular basis throughout your life once you know how.
Remember, mortgage and auto lenders are not the only sources interested in your credit history. Landlords, employers, even utility companies may also want to check your credit during the course of your life. So, making it a regular, consistent practice to build credit history over time has never been more important than it is today.
In this article, I am going to show you a few easy, time-tested ways to build credit you can use right now to start establishing or restoring a good credit history:
1. Get A Recent Copy Of Your Credit Report
By law, you can get a free copy of your credit file at annualcreditreport.com each year. Check each listing for accuracy. Start disputing any false or out-dated entries with the 3 credit reporting agencies (Experian, TransUnion, and Equifax). Most credit reports gather several errors over the years, so left unchecked your credit history will suffer. Start making cleaning up your report a consistent habit and your scores will improve considerably over time.
2. Add A Few Good Accounts
Adding checking and savings accounts from your local bank into the mix can help your outlook greatly. Although this step is commonly overlooked, lenders do take notice of well-managed accounts and see them as a sign of stability.
Start paying down your credit cards and keep their use below 30% of your limit each month. If you don’t have credit cards, apply for one. Unsecured with low interest rates if possible. If not, get a secured card. The key is to start using them conservatively and responsibly to show lenders your discipline.
3. Get A Small Installment Loan
Once you have well-managed revolving credit in place, consider getting an installment loan from your local bank such as a car loan or personal loan. You need to have a variety of forms of credit to build credit history and get good scores, so adding a manageable installment loan into the mix can help greatly.
If you want to learn a few more advanced ways to build credit history quickly and boost your credit score now, just click here now
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Zero Percent Credit Cards Get a Balance Transfer
December 3, 2008 by Rick · Leave a Comment
How to Get Zero Percent Interest Credit Card Balance Transfer
By Tomas Loden
Credit cards have become the latest convenience in purchasing anything online or at a store. When you purchase something online, the convenience of typing in your credit card number can give you something that you have always wanted or something you just found that you have to buy.
We have all been there and wonder if you will have the money to pay back once you receive the item. Another great thing about credit cards is the fact that you can transfer money using the 0% interest credit card balance transfer. This makes transferring quick and easy without costing a lot of money.
If you have more than one credit card, like most people do these days, you understand that you may buy from one and transfer the money from another card to pay that off and pay back your other card. You save money and you don’t pay any interest for up to one year. You may have to
do some research to determine who has the best 0% interest credit balance transfer between the cards that you own. If you have one that offers a percentage fee you may want to skip that one to avoid other charges that may pop up when you least expect it.
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When you have a card that offers 0% interest rate on your card, this savings is usually only applied to balance transfers. If you have a card that offers 0% interest rate on your card you need to use that only for that purpose. This discount is worth keeping this card for. You may not use
it for anything else, and that is okay if you don’t. Because of 0% interest credit balance transfer you can get your money quickly and easily without any hassle. It’s easy to get behind on credit cards, especially if you have more than one. You may find that you can’t manage to keep them
all paid off or you are having trouble keeping up with all the balances. You may need to cancel one or more in order to prevent yourself from becoming too far in debt. This happens easily and can’t be avoided sometimes.
So if you have the option of 0% interest credit card balance and transfer you need to transfer as much of your credit debt that you can. Transfer the credit debt that has the highest interest rate first. Then you will start to see the savings. The higher interest credit card sometimes makes purchasing a little too easy so after the transfer you may want to destroy it and cancel your membership with that card. Credit cards are probably one of the easiest things for teenagers to get and one of the hardest to pay back. If you have a teen who is wanting a credit card you may let them know about 0% interest credit card balance transfer so they can make that decision when it comes time.
Do you want to learn more about how to get 0% Interest Credit Card Balance Transfer? I have just completed my brand new guide, How to get 0% Interest Credit Card Balance Transfer
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