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Top Credit Information Tips from AskMrCredit.com
Can a secured credit card help me rebuild my credit?
Getting a secured credit card is a way to re-establish damaged credit. A secured credit card is a bank credit card that is backed by money you deposit and keep in a bank account. The money serves as ...Read moreGood credit versus bad credit
If you have had credit cards or loans and made all required payments on time, you probably have a good credit history. A positive credit record results from using credit wisely. People with good ...Read moreWho can request information about my credit file?
Under the Fair Credit Reporting Act, a credit reporting company may only disclose your credit report if someone is: Granting credit, reviewing your account, or collecting on your account. ...Read moreLength of credit history
Credit evaluators consider the length of a person’s credit history because it provides information about how long the individual has been involved in credit markets and about whether he or she has ...Read moreCan i consolidate all my credit card debt onto one low-rate card?
Maybe, but two issues always come up. If your credit is damaged, you might have trouble accomplishing a balance transfer, and you might not qualify for a credit line large enough to cover all your ...Read moreBe cautious with credit
Before you sign any credit agreement, remember that your signature legally binds you. Do not sign anything until you are sure that you understand the credit terms and can easily pay what you are ...Read moreHow do i calculate my debt-to-income ratio?
One of the quickest-and most revealing--ways to get a handle on your current financial picture is to calculate your debt-to-income ratio. Lenders look at your debt-to-income ratio when they consider ...Read moreWho are subprime lenders?
Many major banks offer loans to both prime and subprime customers. Other companies specialize in lending to subprime customers by offering high-interest debt consolidation loans, “pay day” loans and ...Read moreWhat is a gift letter?
If someone is willing to make a gift of funds in order for you to purchase a home, lenders will ask for a gift letter stating that no repayment of the "gift" is expected. The amount of the gift and ...Read moreDo i have to disclose a parent's gift?
Having generous parents is nothing to hide. An estimated one-third of first-time buyers purchase their home with a loan or a money gift from their parents. Lenders will ask for a gift letter ...Read moreShowing 21 to 30 of 94 Facts
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What's a credit report?
A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.
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