eHow asked:

A credit score is calculated through considerations of payment history, duration of credit history and how much new credit has been assumed. Discover how to calculate credit scores, and how much things like paying on time factor in, withtips from a financial consultant in this free video on personal finance and credit scores. Expert: Carrie Kukuda Contact: www.wearehdtv.com Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank. Filmmaker: Christopher Rokosz

Lydia

eHow asked:

Child support can increase a person’s income and improve their credit score, but unpaid child support will be reported to credit bureaus. Discover how a large amount of child support can affect a credit score withhelp from a registered financial consultant in this free video on credit and personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC

June

expertvillage asked:

Boost your credit score by diversifying your credit and keeping balances low. Learn how to boost your credit score from acredit counselor in this free personal finance video. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu

Pamela

experianUS asked:

Maxine Sweet, Vice President of Public Education for Experian, discusses the difference between a credit report and a credit score and how to request a credit score. For more information, visit: www.experian.com

Christine

expertvillage asked:

Improve your credit score by making payments on time and keeping cards at a balance less than half the credit limit. Learn how to improve your credit score from acredit counselor in this free personal finance video. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu

Tanya

ExpertRealEstateTips asked:

Before you even think about buying a home, you should ask yourself two questions: “What’s my credit score?” and “How do I raise it?” Knowing your credit score will help you negotiate a good interest rate on your mortgage, and if you can raise your score, you’ll get a loan with a lower interest rate.

Sandra

CreditSecretsBible asked:

www.CreditRepairPublishing.com Credit Repair Companies Can They Improve Credit Score Better Than You? Do you believe an Attorney who can earn $250 an hour will actually work on your credit report for $49 a month? Or, do you think the whole process is automated and boiler plate letters are spit out on their behalf? For $49 a month do you feel they are going to “drag out” the process to make more money? Or, do you feel they just want to help the masses by making it affordable? Will they disclose what they are actually doing? Show you the letters they are sending? Will they dispute with more than one bureau at a time per a month? Are they just sending dumb letters over and over claiming the account is not yours? Or, are they actually doing factual disputes against the items on your credit report. Are they going to go over each detail of your report and the EXACT errors on each item? Or, are they just going to shotgun dispute everything and anything that is negative on your free credit report? Lexington Law is well known for doing credit repair and some people swear by them… but others have complaints. Why so many complaints? Complaints on www.scam.com and www.ripoffreport.com ? Some people are happy and others are not. Other credit repair lawyers and law firms like www.OvationLaw.com and www.CreditAttorney.com use the clout of being a law firm to make consumers feel more attracted to them. In reality, you don’t need an attorney to provide you with credit help or legal …

Bessie

bankruptcyattorney asked:

www.Savedme.com 800-728-3363 800-SAVEDME. Bankruptcy Attorney Jamie Ryke of the Second Start Bankruptcy Law Firm in Southfield, Michigan and Chicago Illinois talks about what happens to your credit score when you file for Chapter 7 or Chapter 13 bankruptcies.

Debra

CreditSecretsBible asked:

Free weekly credit tips visit: www.CreditRepairPublishing.com CREDIT REPAIR info from the credit secrets bible Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast! What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”… While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better. Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this. One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22. How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on. Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors: 1.) The “High Credit Limit” and 2.) Your “Debt to Credit” Ratio Your high credit limit is simply …

Ana

ehowfinance asked:

Buying a house with a bad credit score can be done by finding a desperate seller who needs to get rid of the house and is willing to negotiate, and any house with a “for sale” and a “for rent” sign is a good place to start. Negotiate with the seller of a home to lay out the terms of a lease or mortgage with advice from a credit repairconsultant in this free video on personal finance. Expert: Stetson Lowe Contact: stetsonlowe.typepad.com Bio: Stetson Lowe is a credit repair expert. Known as the “mortgage insider,” Lowe assists increasing credit scores for the most challenging of clients. Filmmaker: Paul Kersey

Clifford