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How to Use a Credit Score Calculator

There was a time when complicated math problems had to be figured out with nothing more than a paper and pencil. Next came the slide rule to simplify things (once you learned how to use it). Then came calculators; they were quite remarkable inventions for their time. Now we have computers, but calculators have not […] Read more
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What You Need To Know About Credit Score Agencies

For all intents and purposes, there are three credit reporting agencies in the United States. They are worth noting because they calculate the all-important credit score. These credit score agencies are: there are three major credit score agencies, or credit reporting agencies; they are Equifax, TransUnion and Experian. They are mostly responsible Read more
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How To Fix Your Credit Score And Repair Damage

You may be bombarded with adds for businesses telling you they can help fix your credit. Many companies say they have some kind of proven method for improving your credit score. However, you should first follow this advice and see what you can do yourself before paying anyone else. To repair bad credit, make sure […] Read more
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What Your Credit Score Really Means

There are all kinds of questions surround the somewhat mysterious credit score. That mystery is created, in part, by the very agencies who determine the number. Formulas for figuring the scores are kept secret, and the numbers are not readily available; at least not without having to do some work to get them. People often […] Read more
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Is the Average American Credit Score Good Enough?

With all of the talk about people facing financial difficulties, it’s no surprise that they want to know what the average American credit score is, and how they compare to it. There are many reasons for wanting to know the average and where you stand. If your credit score is lower, then you may want […] Read more
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Your Credit Score – Do’s and Don’ts

Anybody who is financially aware has heard of a credit score and understands that it’s better to have a higher one as opposed to a lower one. Lenders, employers, landlords, and others may look at your credit score before deciding whether or not to continue doing business. Now that’s an important number! Think about it, […] Read more
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Keeping Tabs on Your Credit Score

There is no question that the current state of the economy could be better than it is. For that reason, it’s more important than ever to have your credit rating under control. If you think your score is too low, then you need to do something about it now. However, if you have tried to […] Read more
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Your Credit Score Breakdown

If you feel as though your credit score is some sort of mysterious secret, then you are not alone. While there is no verifiable statistic as to how many people feel this way, the fact that the credit reporting agencies don’t readily reveal their calculation methods makes easy to see why people are in the […] Read more
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Keeping Track of Your Beacon Credit Score

In this era of an ever worsening economy, it’s now more vital than it’s ever been to maintain a good grip on your credit score rating. If your score isn’t currently as high as you would like, then you need to start doing something about it right away. Those who have attempted to improve their […] Read more
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3 credit score

The 3 Credit Score Reporting Agencies Commonly known as credit bureaus, credit reporting agencies collect all kinds of information that is relevant to your “credit life” and sell it to businesses and consumers. There are many types of these agencies in the US, but the three most recognized are Experian, Equifax and TransUnion. Almost Read more
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Learn How To Repair Your Credit By Following These Suggestions

If an individual is careful with their financial activities they can protect and repair their credit. Information to make one’s decision making process can and is about to be learned for any individual reading this now. One is now on their way to repairing their credit as they have hoped of. While having good negotiation […] Read more
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average american credit score

Are You Above or Below the Average American Credit Score? Your credit score could be the key to many doors of opportunity in your life or it could be the curse that holds you back. Not only is your credit score the deciding factor in whether or not you get a loan, it plays an […] Read more
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credit score breakdown

Understanding the Credit Score Breakdown Basics Many people are aware of the important role the credit rating plays in their lives. However, understanding what actually goes into a credit score (the credit score breakdown) might present a bit more difficulty. There are several different methods of scoring, but most lenders and banks rely on the Read more
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Learn How To Repair Your Credit With These Tips

While it is very easy to lower your credit score (a late payment here, a forgotten bill there), it is much harder to raise it back up. Bad credit often means higher interest rates, being denied for student loans, or even being turned down by a potential landlord. This article will help you avoid these […] Read more
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Average Credit Scores – How Do You Compare?

Here’s a quick question: What is the average U.S. credit score? The answer is 690. So, how close did you get? If you were pretty far off, that’s okay. Before you can make an accurate guess, you need to know a few things. You need to have some idea of how the economy is doing. […] Read more
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credit score calculator

Credit Score Calculator Basics Your credit rating plays an important role in your life. Those with high credit scores can obtain loans and low interest rates to pay the loans back. Those with below-average credit scores may struggle to obtain loans and, if they do manage to get them approved, they can pay much higher […] Read more
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Reclaim Your Good Credit Rating With These Helpful Tips

In today’s society, it is difficult to move ahead in some areas when you have a bad credit rating. From rental property applications to wanting to buy a new high definition television on credit, a good credit rating is needed. If your credit rating is less than stellar due to past mistakes, following are some […] Read more
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Average Credit Scores – Where Do You Fit In

When it comes to credit scores, one of the more common questions people wonder about is what the average score in the US is. There is some good news when it comes to the answer. Even though we have been in an economic downturn for quite a while, overall credit scores have not fallen at […] Read more
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credit score meaning

The Credit Score Meaning What is your credit score meaning? Most of us realize how important your credit score is when it comes to buying a home, car or getting some kind of loan for anything. But when you say the word “credit score”, what does it actually signify? A credit score is compiled from […] Read more
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Simple Credit Repair Insights For Sagging Scores

Have you been having a hard time as a result of your poor credit? Are you frustrated that you can’t seem to improve your credit? You’re not alone. In this economy many people find their credit score plummeting. Luckily, there are ways to improve it and you can get started by having a look at […] Read more
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average credit scores

How to Maintain or Beat Average Credit Scores Average credit scores for Americans are estimated to be about 690. If you don’t know your credit score and are planning on purchasing something that requires a loan, it’s probably a good time to find out how you rank in terms of credit. While it is commonly […] Read more
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credit score scale

Understanding the Credit Score Scale Most of us have a genaral idea of the importance of having a good credit score. But what about when it comes to breaking it all down to the specifics for achieving good credit? Your credit score will determine whether you qualify for a loan, how much your loan will […] Read more
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Simple Tips To Repair Bad Credit Problems

Repairing ones credit can be an easy job provided one knows what to do. For someone who doesn’t have the knowledge, credit can be a confusing and difficult subject to deal with. However, it is not hard to learn what one needs to do by reading this article and studying the tips within. Many people […] Read more
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beacon credit score

What is the Beacon Credit Score? Most adult Americans are familiar with what represents good and bad credit and the all-too-famous FICO score. Of the three credit reporting agencies (Experian, Equifax and TransUnion), Equifax and TransUnion both use the FICO score algorithm to calculate their scores. And Equifax uses the beacon credit score which Read more
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Credit Score Tips To Keep Your Credit Rating High

There are currently three major credit score reporting agencies that operate within the USA. Those agencies are Experian, Equifax and TransUnion. The main function of these companies is to track and report your potential credit risk. This is done by having information sent to them from all of your creditors and people you deal with […] Read more
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The Average American Credit Score And What It Means To You

You probably know that your credit score will be checked when applying for a loan, but did you also know it may be checked when getting insurance, renting an apartment, or applying for a job? It’s true. What is the basis for determining your score, and what’s the average American credit score? Knowing this will […] Read more
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calculate credit score

What Factors are Used to Calculate Credit Scores? In the US, your credit rating is extremely important. Having a good score opens doors for you and an unsatisfactory score will slam them in your face. Your credit score actually represents the risk that the lender assumes in order to loan you money and determines how […] Read more
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Don’t Be A Slave To Your Low Credit Score!

Your credit history is one of your most important financial assets, so having bad credit can really hold you back. If this is true for you, don’t give up. There are lots of good ways to start repairing your credit. This article can help you get back on the road to financial health. Avoid changing […] Read more
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The Credit Score Scale Revealed

I’m willing to bet that at some point you have heard of the credit score scale. I’m also willing to bet that you’re not entirely sure how it works, how it’s calculated and whether your rating is good or bad. While none of the agencies that calculate these scores don’t share their formulas, the good […] Read more
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credit score agencies

Understanding Credit Score Agencies What are credit score agencies and why do you need to know about them? In the US, your credit rating is extremely important. It determines whether or not you can own a house, a car, or any other big-ticket item and the amount of interest you will pay in order to […] Read more
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Having A Bad Credit Score Can Be Problematic: Read These Tips To Get Out Of Trouble.

Having good credit starts and ends with you. You have to make sure that your credit report is accurate, and that you are doing everything you can to pay your obligations on time and not take out more credit than you need. This article will show you how to get the credit rating you want. […] Read more
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The Best Tips on How to Improve Your Credit Score?

During tough economic times, many people have problems paying their bills on time. Often they end up with credit problems. Fortunately, there are things a person can do to start a credit repair process. Start out by reading the steps in this article to learn the best ways to easily repair your credit. An important […] Read more
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How A Credit Score Calculator Can Help You

It’s a safe bet that you have used a calculator at some point in your life. Perhaps it was a behemoth from Texas Instruments that needed a heavy duty cord to plug it into the wall, maybe it only required a few batteries, or it could have been solar powered, who knows, maybe the only […] Read more
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The Road To Recovery: Credit Repair Tips

If you have issues with your credit, you may feel trapped by your low credit score. Digging yourself out from the credit problem can feel like a daunting task, but it is possible. Read through the following article for tips on how to repair your credit, and you will find simple methods to pull yourself […] Read more
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How Do They A Calculate Credit Score

While you may have some idea that your credit score is important, most don’t know how often it comes into play in our lives. If you have ever tried to get a job, an apartment, insurance, or a loan, then you have most likely had your credit score checked. Because of this, it’s necessary to […] Read more
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What Does Your Credit Score Mean

You may already know that your credit score plays a big part in your personal finances. At the same time, you may wonder what it means, who decides what your score is, how it really affects your daily life and what things can make it go up or down? All of these are fair questions. […] Read more
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How to Get a Higher Credit Score

There are three major credit reporting agencies in the U.S., they are Experian, TransUnion and Equifax. Apart from collecting financial data on virtually everybody. Each of them also are responsible for generating a credit score. So, there is the full-blown credit report which lists all of your creditors, how often you pay, what you owe, Read more
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What Is The Credit Score Breakdown

If you have any kind of a financial history, then you have probably heard the term “credit score” thrown around from time to time. Yet, ask a handful of people what it is, and how they come up with the number, and you will get a handful of answers. That’s really no big surprise, as […] Read more
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