4 Steps to Creating Good Credit

In Credit by Brandon Scott

Establishing good credit habits and therefore a good credit rating will improve your credit worthiness. This will be reflected in potential lenders offering you substantially lower interest rates and better deals on credit offers. As a consumer you’ve learned the importance of establishing a good credit rating with your lenders. …

Is Your “Sunday Funday” Killing Your Budget?

In Credit by Brandon Scott

You work hard all week long, so when the weekend rolls around, you want to relax, spend time with your family and friends and of course do all the fun things that make life enjoyable. You deserve it! However, sometimes indulging in too much fun on the weekends can burn …

5 Amazingly Simple Techniques to Optimize Your Credit Score

In Credit by Brandon Scott

Forget maxing out your credit cards, here are some easy techniques anyone can use to max out your credit score. Most of these techniques can be used by those who have both good and bad credit. I recommend that you try to do as many as possible on an ongoing …

Utilization: Maintaining The Right Credit Balance to Limit Ratio

In Credit by Brandon Scott

One of the first steps I recommend when repairing credit is to pay down any credit accounts where the balance is more than 25% of the account’s credit limit. When your credit score is calculated, substantial consideration is taken on a simple calculation. This calculation is called your “utilization”. It …

Credit Repair After Bankruptcy

In Credit by Brandon Scott

One of the most difficult things about bankruptcy is the time that comes right after the process itself is completed. As much as it can be a relief to be out of debt so that you can get on with the rest of your life, it is also the start …

3 Ways to Get a Late Payment Removed From Your Credit Report

In Credit by Brandon Scott

3 Ways to Get a Late Payment Removed From Your Credit Report Late payments can be a big deal, and they count significantly toward your credit score calculation. In my experience, it’s really not that difficult to get late payments removed. Here are three methods you can use to get them removed. …

5 Best Credit Repair Tips

In Credit by Brandon Scott

If you’re coming out of bankruptcy, foreclosure or simply don’t have a very good credit score, there are plenty of things that you can do in order to boost your score. Some are pretty intuitive while others may not come to mind right away. Below, however, are the five best …

3 Ways to Fix Your Credit Score for a Mortgage Loan

In Credit by Brandon Scott

One of the most challenging loans to get approved for is a mortgage loan. It’s very important that your credit score is in a good place because it will affect the mortgage rate for which you qualify. A high mortgage rate can literally cost you hundreds of dollars a month. …

Valentine’s Day and Credit Lessons: The Ideal Mate

In Credit by Brandon Scott

Valentine’s Day and Credit Lessons: The Ideal Mate Valentine’s Day is tomorrow. Whether you’re dating someone new or in a serious relationship, there are a few common traits of the ideal mate. Luckily, many of these characteristics apply to credit repair as well. Consider eHarmony’s list and look for ways to …