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A new year means new hope of making your budget goals stick and a chance to turn around debt that may have snuck up on you over the past 12 months. Most well-meaning consumers need more than just good will, however. These proven methods of tackling credit cards and personal loans can get your net worth headed in the right direction.
Your credit card debt didn’t accumulate overnight and it won’t be paid off overnight, but there are things you can do to make repayment easier. By taking a more practical approach, you can begin paying off your credit card debt right now and perhaps even fulfill your new year’s resolution to pay off your credit cards!
Credit card companies and insurers are looking for reasons to increase rates. A single late payment charge could ripple through all your unrelated accounts.
Happy Holidays friends and fans!  We take our job of helping people restore their credit very seriously.   Great credit is the gift that keeps on giving! Each of you are very special to us, and we're very happy you've chosen to support us.  Please feel free to contact us, we're here to help!
If you have a Visa Signature, World MasterCard or Amex Charge Card, then your card is most likely classified as a No Preset Spending Limit (NPSL). You might think that means it gives you unlimited spending power. And who could blame you? Credit card companies themselves intentionally perpetrate this myth. However, spending is, in fact, limited with NPSL credit cards -- an under-recognized fact that hurts consumers in numerous ways.
A credit score is one of the most important numbers in a person's life. It determines the cost of major purchases like cars and homes. It is a deciding factor for landlords in picking renters and some employers use credit scores to find dependable workers. Unfortunately for borrowers, a favorable credit score is not easy to obtain.
Sometimes bad things happen, in life and in your finances. A job loss or medical condition can lead to foreclosure, bankruptcy, divorce. These events delay prosperity. Oftentimes the cause of the problem is beyond your control. But your actions after a crisis can determine how badly -- and to some extent, for how long -- your finances will be affected.
In this article, we'll explore the five biggest things that affect your score: what they are, how they affect your credit, and what it all means when you got to apply for a loan.
There's a lot of misinformation being propagated about what does and doesn't hurt your credit score, and much of it is coming from sources who should know better: mortgage lenders. Now, let me say first that I've worked with several excellent lenders who really knew their stuff and kept up to date, not only on loan trends but on the information that's available about credit scoring. That's important, because the FICO credit score, in its various permutations, is used in three-quarters of all mortgage lending.
Have a 900 credit score? Before you lord it over your friend who can only claim a mere 750, make sure you're comparing apples to apples. In the September issue of MONEY, I wrote "The quest for the perfect credit score," which chronicled the efforts of three people reaching for a perfect 850 credit score.
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