Collection accounts can remain on your personal credit report for 7 years from the date of the initial missed payment that led to the collection (the original delinquency date) if not removed or disputed.
If you haven’t paid your collection account yet, negotiate with the debt collection agency. Let them know that you plan to pay [...]
People often have to decide between selecting a secured or unsecured credit card. Both these types of cards are different in how they are availed and therefore there are some differences between the two. The levels of risks associated with these cards are also different.
The basic difference between secured and unsecured credit cards is that [...]
One of the most important roles a special finance manager can have is that of “Credit Counselor’. Most of the time, we talk about counseling your “no sales” or turndowns, in an effort to hold on to them and possibly sell them a vehicle later on, after they have “refreshed” their credit. A proactive approach [...]
When you have a credit card it makes life a bit easier in many ways. But I am sure you have heard that you can’t get a credit card if you don’t have any credit. Well I am here to let you not that you can get a no credit mastercard, they do exist. And [...]
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With a good credit score an applicant will receive prompt response from many lenders, all of them offering low interest rates and low down payment options. The loan amount offered also may be high. On the contrary a low credit score would result in a lot of rejection from various mortgage financers. Because creditors wouldn’t come forward easily to give credit to individuals that have a history of difficulty in repaying existing loans. (more…)