5 Things How Credit Report Rating Can Save You From Fictitious CreditsWritten by Khali S.
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Another, if you have a very common name, chances are you may be sharing another person's name and age. The best way though to avoid these things to happen is to check your credit report scoring. If your record has been wrongfully opened and disclosed, a notation must be put into report. 3.Checking is also done to preclude credit fraud. This happens when a person has gained access to your credit card or account number. Said abuse may result to higher interest rates imposed by creditors, or worst, to deny loan. Credit report rating in general, helps holder catch up with his account. 4.Checking is also done to boost holder's confidence. With this, an individual may know whether he is worthy of credit he is pursuing. One of reasons why an individual is less confident to contract credits is poor credit rating report. This is mostly because of unpaid bills. 5.To err is human, that is a blatant fact. Moreover, there can be inaccuracies involving late payments, mixed data and payments not credited to your credit rating information. If you do not check your credit report, you may have no way of knowing these inaccuracies. Your credit report rating is best resource to know credit worthiness of an individual. Thus, a credit report is just as equally important as credit report rating. To safeguard latter from unscrupulous individuals and circumstances, its holder must order a credit report regularly to manage his credit wisely while preparing for viable credit strategies.
Khali S. is the founder of http://www.no-cost-credit-report.com - information site that shows you all about free credit reports, which companies to avoid and Free Tips & Tricks to boost your credit score legally.
| | Credit Card Tips: How to combine credit cards to earn maximum cash rebates?Written by Nick Lian
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Combine "everyday purchase" and "tiered" cash rebate credit cards Hence, best strategy to earn most rebates is to combine an "everyday purchase" cash rebate credit card and a "tiered rebate" credit card. The strategy would be to charge your "everyday purchases" to "everyday purchase" cash back credit card (earn more than 1% rebate) and charge rest of your "other purchases" to tiered rebate card. Once you exceed annual spending threshold on tiered rebate card, you will earn more than 1% rebate on your "other purchases". This combination allows you to maximize your rebates for both your "everyday purchases" and "other purchases". This strategy requires that you charge quite a bit to your credit cards. It will not work for those who spend only up to around $10,000 to $15,000 a year because with most tiered rebate credit cards, you probably need to spend above $6,000 to earn maximum rebates. Any annual spending below that amount will only earn you less than 1%. Hence, you need to charge about $15,000 to your tiered rebate card to earn more than 1% rebate on your total spending. You also have to be diligent in using your cards at right places and monitoring your rebates. You can read more about cash rebate credit cards and strategies and our recommended cash back credit cards at our cash rebate credit card , credit card strategy or Editor's Choice of Best Credit Cards page.
Nick Lian Owner of Credit Card Reviews and Tips, a credit card site which writes independent and unbiased reviews and provides tips and strategies to help those looking for a credit card.
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