Finance: Credit Report – How to Improve Your Credit Score

Credit Report – How to Improve Your Credit Score

Written by Charles Essmeier

Continued from page 1
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report, such as student loans, or auto loans that have been paid in full. You can also make sure that your credit limits on your credit cards are reported correctly. Lenders look at repparttar 135675

ratio of debt to available credit, and if your reported credit limit is low, it could make it appear as though you are nearly at your credit limit. .

Check for duplicate information on your credit report. If your mortgage has been sold to another firm, make sure that your report doesn’t show your mortgage twice.

Keep balances on credit cards and other revolving accounts low. You do not want to be seen owing too much money to too many different lenders.

Don’t have too many open credit accounts. Ten Visa cards will not help your credit rating. Try to keep a maximum of three revolving credit accounts.

By checking your credit report regularly, and by eliminating unusual entries, you should be able to increase your credit score. And with credit, every little bit helps.

Buying a New Sports Car – Twelve Tips To Avoid Financial Sticker Shock

Written by Valerie Mills

Continued from page 1

6) Find out what you should pay before stepping into a showroom. Dealers will offer below invoice prices even on some sports cars because of rebates, dealer incentives, and dealer returns when they make a sale.

7) Remember repparttar incidentals. Yes, you have to pay to transport repparttar 135619 vehicle from repparttar 135620 manufacturer. Yes, you have to pay for options. And remember repparttar 135621 sales (and sometimes luxury) tax.

The Driving Experience . . .

8) Unless you have driven repparttar 135622 exact model and year you want to purchase, step into repparttar 135623 showroom and test drive repparttar 135624 car. Driving repparttar 135625 previous year’s model is unacceptable. If repparttar 135626 dealer lures you into his web and asks you to test drive an earlier model, RUN out of repparttar 135627 show room. You’re wasting your time.

9) Pick at least 2 different road types for test driving. The winding, hilly road is one road type. Road hugging capabilities are tested here. If repparttar 135628 car is standard, smooth-shifting is another test. A car that cuts back after you release repparttar 135629 clutch is NOT smooth shifting.

The highway is another road type. Make sure power is sufficient to handle entrance ramps and merging with traffic. If you get an instant response at highway speeds, repparttar 135630 car is a possible winner.

Closing repparttar 135631 Deal . . .

10) If you like repparttar 135632 car, get repparttar 135633 dealer’s best quote. Then, find at least one other dealer to give you another quote ON THE SAME CAR. If you don’t like repparttar 135634 car in repparttar 135635 test drive, you probably won’t like repparttar 135636 car – ever. Move on to repparttar 135637 next model.

11) When you decide on a car, call your insurance company and find out what repparttar 135638 vehicle will cost per year. And don’t choke on your coffee when you hear repparttar 135639 amount – you can shop around.

12) Estimate how much repparttar 135640 real estate taxes will be on repparttar 135641 car, especially if it’s a high-priced model. This could be another financial shocker!

As you can see, sports car buying is a process. Do you need to do all this stuff? Nope, you don’t. But consider repparttar 135642 financial sticker shock when you’re paying an extraordinary amount for maintenance, repairs, gas, insurance, and taxes! Just for that Autobahnesque experience!

Valerie Mills, a copywriter/designer specializing in direct mail and web advertising, has written sales letters, web sites, and brochures for the finance, self-help, and technology areas. Refer to web sites http://v.mills.home.att.net and http://teachyourkidsaboutmoney.com

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