- 401k
- Accounting Firms
- Annuities
- Auto Loans
- Banking
- Business Credit Cards
- Business Loans
- Check Services
- Collection Agencies
- Commercial Vehicle Loans
- Credit Card Processing
- Credit Reports
- Currency Exchange
- Debt Consolidation
- Debt Management
- Equipment Leasing
- Factoring
- Finance
- Grant Writing
- Home Loans
- Investing
- Small Business Checking
Guides & Articles on Credit Reports
Advice on FICO Scores
Demystify the FICO score calculation with some good information
The Fair Isaac and Company score, otherwise known as the FICO score rating, is the most widely used barometer of credit. It can be a blessing or a curse for consumers, depending on who you consult. The FICO score estimator formula arrives at a three-digit number that tells the creditworthiness of a consumer based on several factors, including payment history and the ratio of debt...
Business Credit Reports Education and Training
Learn what a business credit report is and how to use yours effectively
Just like your consumer credit reports can affect whether t you're eligible for a loan, your business credit reports can come into accord when you're looking for any kind of financing for your company. They can also be a determining factor when you're looking to expand the business in the future.It's important to know how to make decisions that will result in...
Business Credit Reports Key Terms
Consider terms commonly used with business credit reports
As a business, your credit rating can make you or break you. Business credit reports provide lenders with information like your credit rating, lien information, public records and personal identifying information. Lenders use all of that information included in the business credit report to determine if your business is worthy of financing. Whether you're looking to establish,...
Consumer Credit Reports Basics
Understanding consumer credit reports basics benefits you financially
Consumer credit reports are a tool that lenders use to determine not only whether they will extend credit to you, but at what interest rate. A FICO score is a comprehensive examination of your credit information. Scores can be anywhere from 300 to 850, with a score above 720 considered “very good” and a score below 620 “risky.”Factors that used to...
Consumer Credit Reports Key Terms
Learn the terminology so that you can understand your credit report
Consumers can view their FICO scores by ordering a copy of their credit report. It's important to keep tabs on your credit score because the credit score affects your ability to secure loans at the best rate. A mistake on a credit report could cost you thousands of dollars over time. Consumers are entitled to receive their credit report to see what is on it and to check for...
Consumer Credit Reports
Make sure your credit history is the best it can be using your own credit report
A clean, accurate consumer credit report is your key to the best rate for that home, car or student loan, and what you'll pay for using a credit card. However, if your consumer credit report is poor or has mistakes made by past lenders, your standing with banks and credit card companies could be compromised. It's important to learn how to get your own consumer credit reports, how...
Credit Repair Education and Training
Provide credit repair and help to those in need after getting the proper education and training
Credit repair is a career where individuals work closely with the financials of an individual or business. The goal is to find a way to improve credit scores and creditworthiness. Individuals who wish to provide this type of service will find several educational opportunities available to them.To work at credit repair businesses, applicants must have at least a high school...
Credit Repair Key Terms
Get a better understanding of regulations and services related to credit repair
Credit repair will allow you to improve your credit scores and become more likely to gain approval for loans and lines of credit. Different laws can affect the way that you go about looking for credit repair options.Another feature of understanding credit repair is to review the key terms of credit repair services. Examples of credit repair services include credit counseling and...
Credit Repair News and Trends
Get the tools you need for repairing credit
Whether you need credit repair due to poor credit choices or lack of credit, knowing the credit repair news and trends will help you to make the right decisions. With a bit of knowledge and hard work, you can drastically reduce your company's debt and improve your credit score.There's no doubt that credit repair companies make a lot of money off of helping people repair...
Credit Repair
Using credit repair services or other agencies isn't always the way to financial happiness
You've seen the ads, received the emails, and opened the letters--all of them telling you how you can "legally" repair your credit history by using credit repair services or software. The problem is that many of the tactics these credit repair consultants are suggesting are either illegal or can be done without their help for a fraction of the cost.According to the...
Credit Report 'FICO' Scores
How to improve your credit score and keep it rising
Just as you have a personal credit score, your business has a business credit score. In fact, your business score is influenced by your personal score — and, like the personal score, helps determine loan approvals and interest rates. The basic credit score is called a FICO score. The formula includes such information as punctuality of payment, debt capacity in use, length...
FICO Scores Key Terms
Understand your FICO score by learning key terms
In order to obtain business loans or credit cards, you need to have good credit. The more you know about your FICO score and all the terms you will find in your credit report, the closer you will be to improving your credit. Being familiar with the main terms associated with a FICO score will help you understand your credit report.
FICO Scores News and Trends
Stay updated on FICO credit scores for risk prevention
FICO score calculation, sometimes called Fair Isaac and Company score calculation or Fair Isaac Corporation score calculation, is important for lenders and businesses that grant credit to customers for anything from furniture to braces to cell phone service. A customer's FICO score tells a business how likely they are to repay their loans and other credit obligations.FICO is...
Identity Theft Protection
Prevent identity theft from happening to you
In this day and age, identity theft protection steps are crucial to know. Identity theft is a fairly recent epidemic and occurs to those who are completely unaware of it more often than those who actively try to prevent it. Fortunately, with the rising occurrence of this crime comes increased awareness. Identity theft protection information is now easy to find online, and for good...
Identity Theft
Avoid becoming a victim of identity theft
The popularity of the Internet has led to a rise in identity theft. At the very least, this can be a nightmare to resolve and, if caught too late, can destroy personal or business credit.You can take matters into your own hands and, with a little diligence, protect your identity. To get identity theft help and prevent yourself from becoming an identity theft victim consider taking...
Making the Most of Consumer Credit Reports
Financial health is dependent on careful monitoring of consumer credit reports
Consumer credit reports are an important piece of information that needs careful monitoring. The report contains your credit score, which is viewed by lenders to help them determine whether to loan you (or your business) money and at what interest rate. The higher your score, the more likely you are to obtain a favorable interest rate from lenders. Therefore, it is very...
Using Business Credit Reports
Use business credit reports to keep track of other businesses and your own
Business owners can glean quite a bit of information about companies, including their own, just by using business credit reports. These reports provide a snapshot of a company's financial status, showing creditors, debts, sales numbers and bankruptcies. In addition, monitoring this information on a regular basis can help you track trends over time.Small business credit reports...
Your Business Credit Report
How to get one, see yours or make it better
Maintaining a good credit rating for your business is always important – but even more so in times when credit becomes tighter and more difficult to obtain on affordable terms. For small business owners seeking financing of almost any kind, a clean credit report goes a long way toward hearing “yes.” Banks and other lenders are relying more and more on credit...
