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Tag: Credit Card Bills

How Credit Cards Are Used To Build Your Credit Score?

How to build your credit score with credit cards fast? Get a credit card as best credit card build your credit score, use it to make small purchases and other expenses on what you usually pay cash for your living then make a full payment of your credit card bill when its due, keep this practice on regular bases.How to build your credit score fast, easy and cost effectively? If you ask online for the same question, it will highlight majority of solutions that depend on credit cards because it been using for the purpose from a long time that can cost you a credit card application charges, annual fee and or security advance to settle your credit limit in case of secured credit card to begin. To build your credit score, you should require adopting an economical and easy to follow financial way, there are people who may think a loan on lower rates will help them to build their credit score, although they can do it with their credit cards without paying any interests. Yes, if you spend money on your day to day expenses through credit cards and pay back in full before the due date, you will save the interest amount beside your financial transaction keep building up your positive credit history with every transaction you complete.

Calculating a credit rating depends on FICO scoring model set by the credit reporting agencies working in the country, as it’s a standard system in the USA and Canada, it bring  same effects while determining different factors of contribution on the FICO scale in both the countries. Two of the major factors that can boost your credit score, holds 65% effect on your credit rating; 35% of your credit score is based on your Payment History and 30% on your Debt to Credit Ratio, and if you can manage to handle these 2 credit rating factors successfully, it will help you in maintaining a good credit history for you. Moreover, if you are practicing good care of your credit liabilities for a longer time than you can also awarded with the 15% contribution on the FICO scale for your Credit File Age that makes your total contribution of 80% towards FICO credit score range to get advantage of boosting your credit score, where credit cards are the easiest approach to be used to build your credit score.

If you have credit cards and using them to purchase your everyday expenses while paying off your credit card bills on regular bases for the full amount each month, it will help you in establishing your good payment history to enjoy the 35% advantage on your credit score and if you have maintained your credit cards usage history same way for a longer time, it will award you extra 15% positive increase on your credit score.  Moreover, keeping up with the regular payment history of your credit cards bills may deliver some portion of your remaining balance to the credit bureaus because of the nature of difference between the billing dates and payment due dates but it will not affect  negatively because you are not responsible for any interest charges that’s the reason keeping up with the regular payment history will also help you in maintaining your debt to credit ratio lower as possible to award your 30% credit boost to your credit score from this head.

Credit cards and credit rating have a great relationship with each other as most of the people used to hold credit cards that’s the reason they are aware of the fact; how fast it can make an impact on their credit rating. Credit cards debt is the most swear kind of debt that lot of people want to get rid of due to its high rates and quick reporting to the credit bureaus but on the other hand it’s been used from a long time as a traditional method to build credit score. Although there are alternate ways to build your credit score today (Credit Repair Canada) but most of the people still want to go with this traditional method because it’s simple, fast, and easy to follow. Credit cards are not even used to build but also considered as an effective credit instrument to rebuild bad credit rating. Credit building credit cards Canada offers lot of secured and unsecured credit cards for bad credit and or no credit in the market today, although your chances to qualify for an easy credit cards to get in Canada between these two options mostly depend on applying for secured credit cards because they generally don’t require a credit check but it doesn’t make any difference on your purpose of building your credit score and or rebuilding credit, you can easily get one according to your choice.

Remember; Always pay off your balance in full each month! primary purpose of the credit cards bring a safer way to shop without carrying cash and are built for people with good to excellent credit scores that keep up with their regular payment history. It’s highly effective nature of reporting to the credit bureaus to determine your time to time credit history and score have brought up a need to use it for a purpose of building credit scores. That’s the reason lot of credit card companies come up to offer credit cards to people with no credit and bad credit rating. Credit cards for rebuilding bad credit and or building no credit score are specially designed to fill up the need of such applicants who’ve had no credit history, past payment issues, loan default or bankruptcy. As best credit card build your credit score fast, most of the applicants put this same question; What is the best credit card? It’s deficult to answer because there are plenty of good names and brands that are availble to get advantage of their service for the same purpose and on the other hand it depends on your financial status to get approval for one of the best credit card for you. You can get a list of lot of credit cards ready to go with your approval crieteria to compare and find one of the best credit card for you. Apply and get approved for one of your desired credit card to start working to build your credit score today.


5 Tips When Hiring A Better Debt Management Service

Facing debt problems or credit card bills stressing you out? Most of the individuals having variety of loans and credit instruments may felt uncomfortable at some point in their life; either it may be a minor issue of credit handling that demand them to consolidate their existing credit and debt (debt consolidation simplifies your life by combining your multiple bills with one low monthly payment) or it may be a severe credit problem in which it have become hard to continue dealing with the liabilities and to avoid bankruptcy it require a debt relief like an alternative to bankruptcy. What actually one should require, an efficient financial solution or debt management advice from one of the best debt management company, which not even provide an affordable debt management plan (DMP) but also assist in improvement of credit ratings.

What is a debt management service?

A debt management service is a type of a financial consultancy known as debt or credit counseling provided by a debt management company that may provide you with the debt relief solutions and programs for a small fee. You may also get a 100% free consultation to evaluate and discuss your current situation. It can bring you peaceful and normal life back while stopping the cold callers, especially if you are receiving harassment phone calls from your debt collectors. These are some of the credit counseling also known as debt counseling services you may get from these Canadian debt management companies:

  • Debt consolidation Canada
  • Canada Debt Relief
  • Debt settlement Canada
  • Debt negotiation
  • Debt reduction
  • Consumer proposal
  • Reduce creditor calls
  • Avoid bankruptcy

Hiring a better debt management service

There are some important points that you should know before you can hire one of the better service. There are lot of Debt Management Companies in Canada working online today, you can get one best for you through internet too, just go to one of your favorite search engine and look-up for Canada Debt Management Service or what else you want and looking for, its quite easy and fast. Remember, you require one of the best and a professional credit counseling services that can help you in debt management to improve your credit and debt that entirely depends on your research in finding one that works for you. Where one of the best can provide you mental and monetary benefits while enhancing your interests as a debtor but other unprofessional and an unscrupulous debt Management Company may harm your creditability in many ways, that’s why you should be very careful when selecting one. These are some of the great tips that you should follow when hiring a better debt management service, so make sure to keep the following 5 points in your mind before selecting one for you:

1 :  Avoid unasked cold callers and email spam inquiries

Always avoid direct phone calls and email spam inquiries, this is a way most of the spammers do! One of the best tip to know about how professional is the company you are dealing with depends on its professional attitude, it always care privacy of the people in which it never send you unsolicited emails or call you by phone if you didn’t have asked for it. Debt management companies that follow and adopt a cold calling policy, send unsolicited emails should not treated as a reliable source and these kinds of companies will usually not be able to provide any solid references. Majority of such low level companies do not even keep a reserve fund that serves as a guarantee for the debtor that his creditors will be paid. Most of the professional debt management companies usually advertise through yellow pages, local or regional newspapers or magazines and those working through web establish their clientage through online inquiry form placed on their websites beside other means of contacts, they also use variety of online media to advertise their products and services. You should always avoid any agency that calls you by phone or sends you spam emails.

2 :  Avoid non-profit organizations

Non-profit debt management organizations or agencies do not necessarily offer better service than paid services: First, not all non-profit debt management companies offer their services free; some of them charge their clients up to 15% of the debt amount. Being a non-profit organization does not make a debt management company a better, motivated and more efficient service provider than those that ask your payment for the services. In fact, companies that charge money for their services do offer better services, because they directly come under obligation to solve their client’s financial problems, and to free their clients from debt issues as efficiently as possible because they are making profit from their work and their profitability is directly linked to their credibility and reputation in the market, as debt management has become a very competitive subject of today’s marketplace.

According to wikipedia:

“Free or low-cost services! Non-fee or low-fee DMP organisations are typically charities or government agencies that offer a consumer credit counseling service. Their function is typically the same as a fee-paying DMP but without a fee charged directly to the Debtor. The funding for these services varies in its source: The government funds some advice agencies that advise and prepare a debt plan but do not manage the payments and correspondence. Some organisations claim charitable status and accept donations from Creditors to administer debt plans on their behalf. In the USA and Canada, the majority of Debt management companies are allowed to keep a “fair share” of the distributions by the creditors if they can prove they are a “not-for-profit” organisation. In the UK, there are relatively few companies who operate in this way and most charge fees to the Debtor.”

3 :  Avoid disclosing personal information

Always avoid disclosing sensitive personal information over the phone and unsecured platform online! Remember you should never give your credit card information on the phone: A Reputable companies never ask such information on the phone, so does this principle go with a reputed and honest debt management company that will never ask you to provide your credit card number, bank information or social security number over the phone This is because these companies be aware of the fact that callers can be impersonated; moreover, the increase in online crime and fraud happening is a great reason for the individuals in debt to be more cautious when checking out debt management companies. Debt management organizations that are acting in good faith will never ask their clients to part with sensitive information of any kind over the phone and unsecured places online.

4:  Avoid deals too good to be true

You should never believe anyone who offers any financial offer that sounds too good to be true, yes avoid all such too good to be true debt deals – it probably is: Often debtors come across with the debt management deals that promise to reduce their debt by half in very short time. In reality, it rarely happens; on the other hand, the debtor does end up while paying high fees and a substantial upfront amount to the debt management company. Such of these companies also discourage debtors from communicating with their lenders; this is not a good idea and it also invariably leads to a negative impact on the debtor’s credit rating and profile. If a debt management company promises to offer debt reduction more than some interest reduction and counseling on getting out of debt and staying debt free, such kind of promises and claims should ideally never be taken at face value.

5 :  Avoid getting services from outside your geographical region

Always consider working with locally available company! Although its not an essential point because most of the companies prefer working in major places and big cities where they can better afford, get more business and earn more profit, but if you can find one locally in your own residence area you will be very lucky in getting more personal attention and face to face one-on-one professional help. Thanks for the today’s online environment in which you can find about these companies that service your geographical region.

Debt reduction requires a lot of hard work and dedication; make sure that you know what you want a debt management company to do for you. You should follow these 5 tips to have the edge before hiring a better or even best debt management company. These are some of the important points which will not even works for debt management Canada, USA or UK but can be followed internationally when hiring a better debt management service.

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