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Think twice about cancelling an old credit card

clock February 22, 2013 13:15 by author Walt Wojciechowski
If an individual has not used a credit card in a some time, instead relying on other sources of funds for payments, they might think about cancelling the old line of credit. This is especially true of individuals who might have a habit of overspending and dragging down their credit score - if the temptation's not there, there won't be a pro... [More]

Credit risk on the decline?

clock February 22, 2013 10:45 by author Walt Wojciechowski
Credit risk management has been a difficult task in recent years, especially as the nation's financial situation continues to fluctuate between healthy and lackluster. Companies should consider using the most advanced and proven tactics to ensure that all decisions related to lending, sales and purchases are made in an accurate and profit-drivi... [More]

Applying for credit cards can hurt history

clock February 22, 2013 08:15 by author Walt Wojciechowski
There are many different things that can send a consumer's credit score on a downward spiral, from letting student loans go into default to missing payments on electric bills. Once the credit history has a red mark against it, it's very difficult and can take a long time to fix the issue and get back into good standing. For some, this is virtually ... [More]

Best credit cards to build credit

clock February 22, 2013 07:00 by author Walt Wojciechowski
Following financial best practices is widely known as the key to maintaining a positive credit score. This number can be the deciding factor in whether or not a person can open a new line of credit, get a traditional loan and enjoy other positive economic benefits.According to US News, there are certain credit cards that can help individuals bolste... [More]

Ruining credit is exceedingly easy

clock February 21, 2013 13:15 by author Walt Wojciechowski
Countless common transactions and financial blunders can wreak havoc for years on an individual's credit. These actions can make it difficult to qualify for loans, new lines of credit and other financial benefits for years to come.Consumer credit bureaus should consider educating their patrons on the most common flubs that can tank a person's credi... [More]

Credit risk fluctuation might have led to caution

clock February 20, 2013 09:30 by author Walt Wojciechowski
Credit risk management has been among the most complex issues facing businesses and investors in the years following the economic recession, and has become even more challenging as the nation's financial situation rebounds slowly. Businesses need to ensure they are using best practices to make the most profitable and sound decisions regard... [More]

Those with bad credit may feel invisible

clock February 20, 2013 08:15 by author Walt Wojciechowski
There are a lot of people that, for whatever reason, have poor credit scores. According to a recent study from Experian, there are 64 million people in the United States that qualify as credit invisible, meaning they cannot tap into the traditional financial system, The Wall Street Journal reported.As such, the news provider explained, many credit ... [More]

Marrying into debt?

clock February 19, 2013 13:15 by author Walt Wojciechowski
Everyone's heard marriage vows at some point, whether in real life or on television. Among other promises, the bride and groom vow to stay together no matter their financial situation. However, what's an individual to do if the person they wed has awful credit and can't find any relief?According to Fox Business, after marrying, both parties should ... [More]

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