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Jim DeSantis's Articles in Bad Credit

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Personal Finance: 4 Keys To Refinancing For Better Terms and Lower Rates! How you manage loans has a tremendous impact on your FICO score more than any other factor in your credit history. It's a fact, you are scored heavily on the kinds of loans you have, the length of time of those loans, the oustanding balances, and your repayment history, are all major measurements that credit bureaus use to arrive at your credit score. If you can wisely manage your loans, you will add points to your credit score quickly. Here are 4 key tips... 6 Step Strategy To For Personal Financial Management! When it comes to having the nicer things in life, good credit is absolutely a must unless you have bags of cash under your bed and can just buy anything when you want it. If that's not the case, like most of us you need credit, good credit, to give yourself and our family a quality lifestyle. Here is how... How Creditors Think! Know These 6 Keys And You'll Get Credit! As soon as you can, make a lunch date with your lender. Why is this a good idea for you? When you learn how these finance folks think, you will have a serious edge when it comes to getting credit. Here are some hints to make the most of the thinking process of lenders. 11 Guaranteed Financial Wealth and Credit Rating Boosters! Having a good credit score is just a matter of using a little common sense. But, we all know how difficult it can be to understand the 'fine print' in most fix credit programs. Here are 11 basic steps you can adopt starting today that will do wonders for your financial wellness. Credit Repair: How To Spot 5 Common Credit Repair Scams! Mixed in with legitimate credit repair services are a great number of credit repair scams out there. These scams often promise to fix your bad credit overnight. In reality, many of these so-called 'experts' will either overcharge you, involve you in illegal activity, or actually put you in a worse financial situation. Here are the 5 of the most common scams. Personal Credit: Should You File For Bankruptcy? Choosing a bankruptcy will negatively affect your credit score more than just about any other debt relief solution. Bankruptcy will ruin your credit score for many years. Most people understand, after a bankruptcy, they will not be able to get loans but few people realize that bankruptcy will impact their entire life and that of their family in many other negative ways. Family Finances: Quick Steps To Fix Your Credit After A Financial Meltdown! Financial disaster can happen anytime - good economy r bad economy - bankruptcy, divorce, legal judgments, unemployment, illness, etc. Any of these are traumatic and can affect your FICO credit score in a big way. If you have faced a financial meltdown, you need to take action quickly and work consistently if you want to fix your credit and rebuild your FICO score. How To Get A Free Credit Report With No Strings Attached! Go on-line and search for "free credit report" and you find find tons of sites and advertisements promising fast access to your credit report and FICO credit score. It's overwhelming unless you know how to sort out the really free reports from the sales pitches. Start here... How To Fix Credit Report Errors That Are Not Your Fault! Want to improve your credit score? You need to go right to the source - all three credit reports. Yes, all three reports! You must get reports from all three major credit bureaus. They are Experian, TransUnion, and Equifax. Do not get the free versions. Pay for them and get your FICO credit score at the same time. Here is why... How To Fix One Credit Report That Will Fix Them All! There are friends and relatives that you should ignore when trying to fix your credit score. There are way too many arm-chair 'experts' offering unproven advice these days. Read on for what really works if you want to raise your FICO credit score to 750 or more! Identity Theft - How To Know If Your Low Credit Score Is Your Fault Or If A Crook Did It! You pay your bills but you have a lower FICO credit score than you think you should have. Your lower FICO score could simply be caused by a credit bureau clerical error or due to an oversight you have made in handling your credit. At the same time, it could be identity theft affecting your FICO credit rating. How can you find out? Credit and Money Management: 3 Fixes to Boost Your Credit Score! Today's FICO credit scoring reflects a new era of very nervous lenders. In 2008, a FICO credit score of 650 was a a pass key to favorable financing rates to buy a car, purchase a house or get a low-interest credit card. Not any more. Where To Find All Three FICO Credit Scores In One Place You would think that obtaining what your FICO credit score is would not be difficult. But, if you have seen your credit report, your FICO credit score is nowhere to be seen. It's almost as if the credit bureau is hiding it. Well, they are, and they want you to pay them for it. There is an alternative. Personal Credit: Is Your Fico Credit Score The problem? The loan officer said: 'Sorry, we cannot grant the loan. Your FICO score is just too low.' FICO? What does that mean? How can I fix it? Fixing your FICO credit report is easier than you imagine, once you know what you need to fix. Do It Yourself FICO Credit Score Repair Is Now Possible When you are up against the wall credit-wise, the money gouging vultures are ready to pick you clean of you last few bucks by promising to sell you miracles that will fix your FICO credit score or wipe out your debts. Read on to find out what you can do for yourself right now to get back on the path to good credit. My 3 Favorite Family Budget Killers Most people try to create a family budget, but become buried in the numbers and give up before being able to accomplish any significant financial gain. The hidden causes of family budget disaster are in operation before you even begin to set up your family budget plan. Awareness of these family budget breakers, will help you overcome them easily. How To Fix Errors In Your Credit Report Just about everyone has errors in their credit report. Some are minor and some are serious. Here is how to find out if you have errors and how to fix them. Free eBook: Protect Yourself From Identity Theft Identity thieves can use your personal information to take over your Savings or Checking accounts or open new ones and these damages do not have limits. They may even use your good name to get a job, take out a car loan, or rent an apartment. Here is how to protect yourself and your family. 5 Steps Towards A Balanced Family Budget And Better Credit More than once you have been shocked when you didn't have enough money to cover all the bills or an emergency cropped up. You need to become your family's Chief Financial Officer. Here are my five rules for treating your personal finances like a business. How To Prevent A Thief From Stealing Your Identity Credit reports contain all the information any thief would need to steal existing accounts, or to swipe your identity completely and cause major financial harm to you, your family, or your business. You can protect yourself and even overcome damage already done if you act, now!