| Who else is unsure whether or not they're credit score | | | | Filed Under: Danger Signs That Kill Your Credit Score |
| is bad? Have you seen your score....but simply are | | | | While this article is NOT about fixing your credit, you |
| completely unsure how to interpret it correctly? If you | | | | should know that public record items have a very |
| are anything like I was when I first got started on the | | | | dramatic effect on your credit score. Tax liens, |
| path to understanding (and fixing!) my credit score and | | | | bankruptcies, judgements and other public record info |
| report, you are probably completely overwhelmed with | | | | is considered especially serious....specifically if left |
| confusing data, strange codes, explanations that don't | | | | unpaid. If you do decide to try to repair your credit on |
| seem to fit, and a score that might as well come from | | | | your own, the first step is to get a copy of your report, |
| out of space or be written in Greek! | | | | and simply begin by attacking THESE particular |
| Years ago, when I had my first credit related issues, I | | | | blemishes with disputes, as they can often have |
| actually had GREATER difficulty trying to | | | | incorrect information that is easy to challenge. (and |
| UNDERSTAND my credit report, than I did getting it | | | | have removed from your report) |
| "righted" later. | | | | They also...as you should know if you've look at your |
| Filed Under: Understanding Your Score | | | | credit report lately, appear in the very BEGINNING of |
| The truth? As I write this, the consumer confidence, | | | | the report itself, making it easy to identify the most |
| financial well being and credit score of the country as | | | | serious items that require immediate attention, if you |
| a whole is at an ALL time low! All this means for you | | | | have any plans to apply for a job, housing or loan in |
| is that you simply don't need to feel ashamed if your | | | | the near future. |
| score is lower than you'd like.....and, the good news is | | | | And remember this..... |
| that as we go forward, there may actually be some | | | | If you know you're score is bad, simply DON'T apply |
| "grading on a curve" if you've had problems during the | | | | for credit and you won't be rejected! Yes it sounds |
| last few years. (simply because so many others have | | | | simple.....but the WORST thing you can do when you're |
| as well) | | | | credit is in a down cycle (and under the national |
| That being said......if you're score is a 649 or UNDER, it's | | | | average score wise) is apply for financing that you |
| considered weak. If you are OVER 700.....you have a | | | | KNOW you won't get. |
| GOOD score. And as you get closer to the 800's and | | | | Simply step back, evaluate and ATTACK your report |
| above.....you can truly say your credit is A+, and you | | | | with an eye on fixing the inaccuracies, and then double |
| shouldn't have any problem getting just about any sort | | | | back and apply when you're UP 100 points or so. |
| of financing you choose. | | | | |