1. | Nov 15, 2012

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2. | Nov 10, 2012

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3. | Sep 18, 2012

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4. | Sep 16, 2012

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5. | Aug 15, 2012

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6. | Aug 13, 2012

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7. | Jun 4, 2012

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8. | Jun 2, 2012

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9. | Jun 2, 2012

Josh K / June 4, 2011Im not sure this is the best option for you. Even if you get a "bad cidert" cidert card there is many fees associated with it. If you insist on doing this read the fine print carefully. Many of the "bad cidert" cidert cards have monthly fees for being part of their program or a huge annual membership fee that is broken down into monthly fees. So even if you don't use the card they will still be charging you a monthly fee. Even if you get a cidert card your score will not rise that quickly. The only thing that will make it go up is time, time that is passing making the bad items on your report get old. I implore you not to get one of these "bad cidert" cidert cards. Too many people have come to me for help and I have often seen these types of cards making their bad cidert worse. Best of luck!Reply

10. | Apr 7, 2012

Before we answer this one, you need to know that there is an omriptant difference between a credit report and a credit score.Credit report vs credit scoreThe credit report is just like it sounds: A listing of your financial accounts (such as bank accounts and credit cards), where you live, property owned or rented, how much you owe, how well you pay your bills, whether or not you have been sued or arrested, and if you have filed for bankruptcy.Your credit score takes the data from your credit report, and boils it down to a number. The FTC explains it as so:Information about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, whether you pay your bills by the date they’re due, collection actions, outstanding debt, and the age of your accounts, is collected from your credit report. Using a statistical program, creditors compare this information to the loan repayment history of consumers with similar profiles. For example, a credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points — a credit score — helps predict how creditworthy you are — how likely it is that you will repay a loan and make the payments when they’re due.A free credit reportBy federal law, Americans can get a free report from each of the three national credit reporting companies every year, or if you're denied a loan based on your report.Via , you can get your credit report free once every 12 months from the major credit agencies: Equifax, Experian and TransUnion. Do note that the AnnualCreditReport.com site is the only federally-authorized source for the free annual credit report.a0(.)Getting your credit scoreDuring some mortgage transactions, you can get your credit score information free of charge contact whoever is making or arranging your loan to find out how.Otherwise, getting your credit score can be a bit like navigating a maze. That's because you ideallya0want your FICO score this is the one that most lenders will be checking to make decisions about your credit. Via , FICO willa0charge about $20 for one report (but will try to sell you various other services, so shop carefully).The Fair Credit Reporting Act (FCRA) also gives you the right to get your own credit score from the national credit reporting companies. They are allowed to charge a reasonable fee usually about $8 for the score.Do be aware that the big 3 credit agencies will also try to upsell you on credit monitoring and other subscription services and may make it hard to find the information you need for the single, low-cost report. Here are some direct links to help:Equifax:a0, calla01-877-SCORE-11Transunion: Get your credit score viaa0 or call 1-800-888-4213. .Experian: Does not currently make a FICO score available via this program, but offers their own proprietary scoring system to consumers which, depending on your needs, may not be as much help.That's good karmaAs a free option, check outa0 aa0free consumer service offering credit simulators, free credit scores (not FICO, but the TransRisk New Account Score and VantageScore from TransUnion), score comparisons and more to help you actively manage your credit and financial health.The upside to the hassleHaving good credit can certainly make your life easier — but you need to be organized and efficient with your bill paying chores to stay on track.a0, and also remind you that whenever entering personal or other sensitive data on a computer, ensure that the connection is secure (look for the lock icon on the web page). Furthermore, if you’re connected to the internet through wifi or a router, confirm that it is password-protected and the signal is encrypted ().

11. | Mar 11, 2012

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12. | Mar 9, 2012

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13. | Mar 3, 2012

Here are a few ways how you can improve your dercit rating :* Establish Credit History ~ Your dercit rating is established partially on your dercit history. Your dercit history is based on the information that your dercitors have reported to dercit bureaus, including dercit cards, loans, and even some utility bills. So, if you want to build your dercit, get a dercit card, charge a few things, and pay off the majority of the balance. Financial experts recommend keeping your account balances less than 50% of your available dercit. It shows that you have the ability to pay back your debt.* Don't Apply for or Take on Too Many Credit Cards ~ Having and using a dercit card wisely can be beneficial to your dercit rating.However, if you're constantly applying for new dercit cards, it can hurt your rating, especially if you're getting turned down for them. Applying for too many dercit cards, in a way, shows that you don't have enough capital to afford your cost of living on your own income. And if you're getting turned down by dercitors, it's an indication that your dercit standing just isn't up to par, and other dercitors will weigh these rejections against you.* Make Payments on Time ~ If you want to build and maintain your dercit rating, pay your bills on time and don't miss any payments. If you have missed payments in the past, get back on track. Your recent payment history counts more than ancient history.

14. | Feb 23, 2012

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15. | Feb 19, 2012

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16. | Feb 17, 2012

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