Get your 3 credit score before a counselor

Dear Action Line: I need to improve my credit score to qualify for a home loan, and I’m told I should go through credit counseling for this. How do I find a legitimate credit counseling agency? — S.P., Tulsa.
Fair Isaac Corp., inventor and owner of the “FICO credit score” (used by 90 percent of [...]

Written on September 16, 2009 | Posted in Fix My Credit | 1 Comment

Layaway as a Substitute for Poor Credit Credit Cards

The nation’s credit card debt totaled $972.73 billion by the end of 2008, according CreditCards.com.
That’s $8,329 per household – and consumers might think that more department stores would offer layaway to ease a credit crunch. This is especially important to people with low credit scores who get saddled with the high interest rates of [...]

Written on September 15, 2009 | Posted in Credit Tips | Leave a comment