Credit Tips

Credit Tips

Credit expert Frank Bruno reveals unique but legal techniques that can dramatically improve your credit report and credit scores. Credit tip videos, articles, blog, credit dispute software.

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Written by davelal9 on
New credit report practices have again changed the rules regarding authorized users on credit card accounts. The history of the authorized user Here at Auto Credit Express we’ve been a bit lax about informing our customers of the changes that have occurred over the past year regarding authorized users on credit card accounts. And while FICO won’t divulge their new formula, it’s fair to say that it will affect a fair number of consumers and we thought you might want to know about some of these changes. An authorized user is a person assigned to a credit card account that is not the account ... Read Full Story
Written by myfreeforum on
From:   wemonade.com
Not all Scores are Equal There are many credit scores available, but the only one that matters is your FICO score. FICO, by the way, is an acronym for Fair Isaac and Company, the developer of the score. This is the score that virtually all lenders use. Other scores attempt to approximate the FICO score, but frequently vary by a significant margin. One Score with Three Names The FICO score may be referred to by three different names. This is because the three bureaus have branded it for their own marketing. Equifax calls it a BEACON score, TransUnion calls it an EMPIRICA score, and ... Read Full Story
Written by robertsonrob on
Those with bad credit no longer have to forego loans. These days when bad credit is more the norm then a great credit rating banks and lenders are now offering a number of ways to obtain loans even if your credit scores are low. One way to get a credit loan even if your scores are low is a secured loan. Secured loans are loans that require the person requesting the loan to make a deposit into a secured account in order to have collateral for the money loaned. Usually credit cards become available for those with lower credit ratings with this method. It ... Read Full Story
Written by davelal9 on
All consumers but especially those with bad credit probably wonder just how FICO determines their credit score . We know what you’re going through At Auto Credit Express , we’ve been helping bad credit car buyers for nearly twenty years reestablish their car credit by financing a new or recent pre-owned vehicle with a bad credit car loan. During that time, we’ve tried to educate consumers on high to take advantage of the process – since these very same people begin with a distinct disadvantage due to the high interest rates charged by these loans. We also stress the need to check your credit ... Read Full Story
Written by davelal9 on
Consumers who find themselves with a FICO score below 640 can make the most of a bad credit car loan by simply planning ahead. We know what you’re going through At Auto Credit Express , we’ve been helping bad credit car buyers, for nearly twenty years, reestablish their car credit by financing a new or recent pre-owned vehicle with a bad credit car loan. During that time, we’ve tried to educate consumers on high to take advantage of the process – since these very same people begin with a distinct disadvantage due to the high interest rates charged by these loans. Beginning the process ... Read Full Story
@chucklebuck: Applying for new credit would only theoretically impact your age of credit and new credit portion of the FICO score (unless you go and jack up the balance too). Those two factors account for 25% of your overall score (per myfico.com). The maximum FICO score is 850 which means at worst a new card could drop your score 212 points. Of course that's a way outside the box worst case scenario but there ya go an idea of what is...  
From consumerist.com ()
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MINNEAPOLIS--(BUSINESS WIRE)--FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced financial results for its fourth fiscal quarter ended September 30, 2009. Fourth Quarter Fiscal 2009 Results Net income for the fourth quarter of fiscal 2009 totaled $17.1 million, or $0.35 per share, versus $23.8 million, or $0.49 per share, reported in the prior year period, which included $0.07 per share of...  
From businesswire.com ()
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Like many people doing or considering a mortgage modification, David L. of Oakland wonders how it will affect his credit score. Unlike most people in this situation, David has never missed credit payments and has a very high FICO score of 810. But when David,...  
From sfgate.com ()
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Have you ever heard the term FAKO score? What about FICO score? Seasoned Consumerist readers will know the difference but if you're new to the whirlwind credit industry, you may not. FICO stands for Fair Isaac Corporation and refers to the algorithm they use to calculate your credit risk and credit worthiness. There are three credit bureaus collecting and collating your credit information (Equifax, Experian, TransUnion) and a FICO score is...  
From consumerist.com ()
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After the economic downturn, many individuals who are facing debts or have lost their jobs have been compelled to consider Debt Settlement as a source of surviving in this time of uncertainty. This is considered to be the fastest way to Debt Elimination. Not only fast, it is also the economical way out of your debts. Even the creditors have realized that in this time of hardship it is better to compromise instead of not getting anything at all...  
From open.salon.com ()
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@Daveinva: Experian got into disagreement with FICO (formerly known as Fair Isaac) and soon after, FICO stopped offering EX scores to the public (although they still provide EX scores to creditors, etc.) Unfortunately, you can't really blow off EXP, as many creditors still rely on them (with regional variations), but you can't check your FICO EX score either. Can't win either way. azntg  
From consumerist.com ()
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TOKYO & MINNEAPOLIS--(BUSINESS WIRE)--Exchange Corporation K.K., the pioneering operator of Japan’s AQUSH.JP Social Lending Service (www.aqush.jp), and FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that FICO risk scoring technology will be used at the core of the AQUSH Credit Grade borrower-ranking system. Using FICO® credit risk scores to power AQUSH Credit Grades will give Japanese...  
From businesswire.com ()
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An update to how the new FICO '08 scoring system got revamped this year: Collection ammounts where the original debt was under $100 will be totally disregarded, MarketWatch reports. Back in Feb we reported that they would still be taken into account but only matter less. Also, FICO'08 has been rolled out to all three credit bureaus since last month. Before it was only being tested at one and there was some disagreement over whether all the...  
From consumerist.com ()
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Slovak Prime Minister Robert Fico said he welcomed the decision by the United States to halt its plans to build a European missile shield in the Czech Republic and Poland. Speaking after an extraordinary session of the European Council in Brussels on the evening of September 17,Fico said he thinks that the decision will strengthen confidence in the region, the TASR newswire reported.  
From spectator.sk ()
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PR-Inside.com (Pressemitteilung)FICO Scores and Bad Credit Car LoansAuto Credit Express (blog)All consumers but especially those with bad credit probably wonder just how FICO determines their credit ...Loan against Car - Now give your Bad Credit Ratings a Back RideBest SyndicationHow to qualify for bad credit car loan with zero credit history and no moneyPR-Inside.com (Pressemitteilung)Obtain a Bad Credit Car Loan to Get the Car You DesireLive...  
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