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Fix Credit Report - Somehow the credit bureaus manage to spot differences in consumers account details and social security numbers when posting good credit lines, but ignore them on a regular basis when posting bad ones. And some consumers would just as soon pay off a small delinquency, even if it isn’t theirs, rather than holding up buying a home or a car for 30-60 days (including mailing and processing time) while they dispute the item and get it removed. This of course benefits the company listing the delinquency, since they really don’t care who pays, as long as someone does.

Start Rate - The initial rate of the mortgage. This rate is the rate that the “minimum” payment option is based on. Typically this rate will range from 1-2%.

Take every step possible to avoid defaulted student loans. They don’t want them marring their credit, or making it hard to they to get a loan to the many times in life at that time they need one. Not only will they had a hard time getting a home loan, they may not get a loan to a new car, or an emergency that may pop up.

That's why it's essential that you check all of your credit files--and monitor your credit regularly--to protect your good credit standing, even if you always pay all your bills on time.

The average consumer has no idea that if you make your credit card payments on time, your rate could still increase. All you have to do is make a late payment anywhere. The Universal Default Clause says that you must be in good standing with all your credit accounts. Your credit card companies are checking your credit report every month to see if you have missed any payments. They can also increase your rate if it looks like your debt-to-income ratio is getting too high. Your charging to your credit cards can actually result in a higher interest rate. This is generally seen in every credit card agreement today.

The car dealer should be their last option to securing a bad credit auto loan. They had a vested interest in getting they into a car - but be aware that they’ll pay premium prices to financing a bad credit auto loan through a dealership. If its their only option, however, they may find that they could convert their high interest auto loan in the future if they’re able to repair or improve their credit score.

The credit history of an individual is considered to be an important factor which determines whether or not a loan application will be sanctioned. It is the credit report which presents records of your credit history, history of your finances, payments, total debts and bankruptcies. This is provided by the tri bureaus- the three national credit rating agencies of significance. There is an authorized online resource: which provides a free annual copy of your credit report as prepared by Experian, Equifax and Trans Union. The information in detail as revealed by your credit report is used to find out your credit score or FICO score. FICO is a composite numerical entity- a rating of Fair Isaac and Company. It reveals your credit worthiness.

The day will come when you can use something you read about here to have a beneficial impact. Then you'll be glad you took the time to learn more about Bad Credit .

The Fair and Accurate Credit Transactions Act (FACTA) - The FACT Act was signed into law at the end of 2003. This Act amends the Fair Credit Reporting Act and gives every consumer the right to a free credit report every year from each of the three major credit bureaus: Equifax, Experian and TransUnion. To get your free report, visit or call 877-322-8228.

The Federal Trade Commission through an act of Congress has authorized that the three major credit reporting bureaus offer one free copy of your credit report to you on an annual basis. This decision has proven to be a boon for consumers who can now find out what creditors are saying about them and quickly respond to errors and omissions. Not all offers for obtaining free credit reports are truly free. Read on and we'll explore how you can know if an offer is right for you.

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