Do You Have A Bad Credit Rating?

The Credit Secrets Bible Will Transform Your Financial Life

Got a bad credit rating? Checked your credit report and it leaves a lot to be desired? Don't fret but learn how you can get that score raised so lenders are more inclined to assist you to your benefit.

So, how do you accomplish all of this? There are two ways. You can raise your credit score yourself or you can hire a professional to for you.

Get Your Copy of The Credit Secrets Bible

If you are looking to purchase a home or a new car in the near future you want to make sure your credit history looks good enough to get a good financing deal that doesn't leave you scraping every month to pay all of your bills. Even moreso, you want to be sure that you are able to get the financing you need. You might even consider first consolidating what bills you currently owe in order to get these payments down to a bare minimum. No matter which road you take, before even considering a major purchase like a mortgage or new vehicle, get your credit rating in good shape so that your interest rate will be at its lowest.

Interest rates alone are not all that matter. You probably need to have a down payment as low as possible too, right? That too depends on your credit history.

Now you must decide your best approach. Either do it yourself or pay a professional like Lexington Law - Credit Report Repair handle this task.

Do You Have A Bad Credit File?

Your rights under the Fair Debt Collection Practices Act:

Debt collectors may contact you only between 8 a.m. and 9 p.m.

Debt collectors may not contact you at work if they know your employer disapproves.

Debt collectors may not harass, oppress, or abuse you.

Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.

Debt collectors must identify themselves to you on the phone.

Debt collectors must stop contacting you if you ask them to in writing

 

See Credit Terms and Definitions



Consumer Credit Information

Credit and Divorce
Encourages recently divorced consumers, and those contemplating divorce, to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits and pitfalls of each.


The Latest News

Britain's AAA credit rating in jeopardy, warns agency (Independent)
Sterling suffered a triple whammy yesterday as poor trade figures, warnings from two credit agencies about the UK's AAA rating and the possibility of more bank failures badly damaged confidence.
 
Read complete Moody's report on Burlington's downgraded credit rating (The Burlington Free Press)
Moody's Investors Services downgraded the city's general obligation bond rating Monday two steps, from Aa3 "high grade," to A2, "upper medium grade." The lower credit rating means the city will pay higher interest rates to borrow money.
 
Moody's downgrades Burlington's credit rating (The Burlington Free Press)
Moody's Investors Service has downgraded Burlington's credit rating, presumably because of the city's financial situation regarding beleaguered Burlington Telecom and related debt.
 
Moody's drops Burlington's credit rating (The Burlington Free Press)
The city took a hit Monday for its handling of Burlington Telecom finances. Moody's Investors Service dropped the city's credit rating two notches, from Aa3 to A2.
 
Iceland's credit rating unaffected by Icesave vote: S&P (AFP via Yahoo! News)
The overwhelming rejection by Iceland voters of a deal to repay losses of collapsed bank Icesave does not affect the country's credit rating, Standard & Poor's said on Monday.
 
Romania’s Rating Outlook Raised to Stable at Standard & Poor’s (Bloomberg)
March 10 (Bloomberg) -- Romania’s credit rating outlook was raised to stable at Standard & Poor’s after the government showed its commitment to fulfilling the budgetary terms of an international bailout.
 
Ventas Announces Improved Outlook on Its Corporate Credit Rating From Standard & Poor's Ratings Services (Business Wire via Yahoo! Finance)
CHICAGO----Ventas, Inc. announced today that Standard & Poor’s Ratings Services has revised the outlook on the Company’s corporate credit rating to positive from stable. S&P also affirmed the Company’s current investment grade corporate credit rating.
 
Fitch May Lower Portugal Rating on ‘Pedestrian’ Cuts (Update1) (Bloomberg)
March 9 (Bloomberg) -- Portugal’s AA credit rating may be lowered if the nation fails to take further action to shore up its finances after introducing “pedestrian” budget reforms, Fitch Ratings said.
 
Czech Political Gridlock May Affect Rating, Moody’s Says (Bloomberg)
March 9 (Bloomberg) -- The Czech Republic’s A1 credit rating may be at risk if elections in May fail to break a deadlock in parliament that hampers efforts to narrow a record budget deficit, Moody’s Investors Service said.
 



Best Credit Cards with Bad, Poor or No Credit History. Don't let history keep you from having a credit card.

 
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