Comments on: Instantly Improve Your FICO Score

By: Devon@credit score

Devon@credit score — Sat, 19 Dec 2009 11:09:17 +0000

FICO score, is arguably one of the most important pieces of information in financial life and a key factor in determining your financial position.Thanks for sharing.
Devon@credit score´s last blog ..The Vital Dos and Don’ts for Credit Score Rise

By: James@Free Credit Check

James@Free Credit Check — Wed, 16 Dec 2009 11:38:28 +0000

Is it true that not having any credit at all can work against you? A relative of mine who is 60 year old and had never had credit in her life therefore not having bad credit was turned down for a loan even though she is still in full time employment her partner at the time (not married.) applied for her and is struggling to pay his debts and was given the loan? Seema a very backward system my advice would be to have a free credit check and if you dont have much credit against your name get out a credit card for a couple of hundred dollars spend a little on it then make small monthly payments.

By: Benjamin Kruell

Benjamin Kruell — Thu, 03 Dec 2009 07:58:05 +0000

Michael, I too have heard different reports concerning authorized users. The best information that I have found was by Sandra Block and John Ulzheimer. Check this link out to find a little known secret about FICO '08. Thanks for taking the time to comment. I hope this helps!

By: Bailey@Money Knowledge

Bailey@Money Knowledge — Sun, 29 Nov 2009 09:48:53 +0000

Great information regarding Credit score. This simple three digit number is going to change the life of every one and we shall be careful about this credit socre.

Tahnk you.

By: Michael Moody

Michael Moody — Fri, 23 Oct 2009 05:07:46 +0000

What about authorized users? Are still effective? I read articles people can still used them.

By: John@free copy of credit report

John@free copy of credit report — Mon, 14 Sep 2009 11:27:22 +0000

thanks for this information very useful!

By: Ryan@Del Mar real estate

Ryan@Del Mar real estate — Mon, 07 Sep 2009 09:21:52 +0000

And what about not having a credit card at all? I rely on Debit Cards and since now a days Debit Cards are also accepted everywhere, they’re better. But those who’ve to use Credit Cards for few purposes, for them these advices are great. It’s all about letting the bank know that you’ve got a good record and you’ll pay their loan back on time. Make your credit report as impressive as you can be before going for an interview to apply for loan.

By: Brian@debt loans

Brian@debt loans — Sun, 24 May 2009 18:20:48 +0000

Very informative site, and very interesting posts. I have bookmarked your site, and will be back, good work guys.. thanks

By: Benjamin Kruell

Benjamin Kruell — Sat, 16 May 2009 22:26:33 +0000

Mike,

Great comment. I just had a borrower get turned down by a lender because he had not established enough new credit since a BK. Good credit score, but lender still denied the file.

Benjamin

By: Mike from

Mike from — Tue, 05 May 2009 21:34:40 +0000

It’s very important to understand the credit report. It’s even more important than credit score. Because when lenders want to loan someone, they ultimately look at his/her credit report. Credit score is just for a quick look so having a clean credit report certainly helps in a getting good rate and terms on any kind of a loan.