Angella's Real Estate Secrets & Insider Tips For Real Estate Investors

Credit Card Reform May Shock You – Not What You Thought!

Credit Card Reform May Shock You
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use.
Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent interest rate, [...]

Top 5 Credit Repair Experts on Twitter

Top 5 Credit Repair Experts on Twitter
From my friend’s blog Megan-McGinnis.com…   Great info, or check out our Credit Category on how to repair the credit yourself.  Take care, Angella

1. D Ruiz | ( ihavegoodcredit on Twitter ) Guru of Credit (26yrs!) Please read my FAVORITES. You found it, the REAL DEAL of credit repair, Author, [...]

Improving Your Credit Score Part 2 – Tweak Your FICOs by 20 Points Quickly

Improving Your Credit Score Part 2 – Tweak Your FICOs by 20 Points Quickly
You can increase your FICO scores by tweaking your credit even if there’s nothing incorrect on it.  By cleaning up a few items most people don’t even think of, you can tweak your FICOs by 10-20 points.   First obtain your free credit [...]

Improving Your Credit Score Part 1 – Preferred Types of Credit & Amounts

Improving Your Credit Score Tips

So what are some specific tips for boosting or improving your credit score?
Amounts Owed Tips

Keep balances below 30% on credit cards and other “revolving credit”
Pay off debt rather than moving it around
Don’t close unused credit cards – keep them open and use them once every few months
Don’t open a number of [...]

FICO Credit – Revealed: How Common Credit Mistakes Affect Scores

The “damage points” data, unveiled recently by FICO, are part of the most revealing glimpse into the firm’s once-secret — and still mysterious — credit scoring model. The new information discloses how many points borrowers’ scores will drop when they make the most-common mistakes.

Did you max out your credit card? Expect a credit score drop [...]

FICO Credit Score – What’s It Comprised Of?

The FICO credit score is comprised of a number of different components, which are broken down below for your reference.    The three credit reporting agencies in the United States of America, Equifax, Experian, and TransUnion, collect data about consumers used to compile credit reports. The credit agencies use FICO software to generate FICO credit [...]

Credit Card Mistakes – How Bad Are Yours? (Part 3 of 3)

Credit card mistakes and blunders are common.  Experts graded a range of credit card mistakes on a scale from 1 (losing a few bucks to a cash machine) to 10 (losing the house). Find out which worry the pros most — and which may (almost) get a free pass.
Debt Settlement Plans
How bad is it? [...]

Credit Card Mistakes – How Bad Are Yours? (Part 2 of 3)

Credit Card mistakes and blunders are common.  Experts graded a range of credit card mistakes on a scale from 1 (losing a few bucks to a cash machine) to 10 (losing the house). Find out which worry the pros most — and which may (almost) get a free pass.
4) Missing a Payment
How bad is it? 9
The [...]

Credit Card Mistakes – How Bad Are Yours? (Part 1 of 3)

Credit Card Mistakes  – Grade yours on a 10-point scale.
Nobody’s perfect. When it comes to our financial lives, we’ve all done things we later regretted — whether it’s getting slapped with a $3 fee for using an out-of-network ATM or going on a Las Vegas bender and losing the house on an overly aggressive poker [...]

Improving Your Credit Score

So what are some specific tips for boosting or improving your credit score?
Amounts Owed Tips

Keep balances below 30% on credit cards and other “revolving credit”
Pay off debt rather than moving it around
Don’t close unused credit cards – keep them open and use them once every few months to improve credit score
Don’t open a number of [...]

Credit Score and Credit Report Basics

Find out what your credit score (FICO) is made up of, and what it takes to improve a bad credit score.