Category Archives: Banking Practices
What Affects my Credit Report and Credit Score?
Today, having good credit is more important than ever. With lending regulations becoming tighter, it is usual for only those with good credit to be able to obtain home loans, auto loans, credit cards, or any other lines of credit they may be greatly in need of. Only those with excellent credit are able to [...]
More Consumers Confused by 0% Credit Card Transfer Offers
In recent postings, Credit CRM professionals have explained that 0% credit card transfer offers are coming back surprisingly ahead of schedule. Just a few years ago, many heavily in debt credit card holders thrived on the ability to cheaply transfer balances from card to card, paying off plastic with plastic. Sometimes consumers used low interest [...]
Consumer Debt Slightly Down
Consumers and credit holders have been widely bogged down by debt for years. With many consumers “waking up” to the error of their ways after the recent recession, some have undoubtedly become more responsible with credit card use and borrowing. While some reports maintain that consumer behavior hasn’t showed signs of changing much for the [...]
Obtaining a FICO Score Above 720 More Important than Ever
With tightened mortgage restrictions, many need to push up their FICO score just to obtain a home. Researchers have recently analyzed interest rate quotes using the real estate website Zillow.com. Alarmingly, their findings show that those with credit scores of 620 or below are likely unable to obtain a mortgage at all in today’s market. [...]
Consumers in Need of Quick Cash Seek Personal Lines of Credit
Before the recession, it was common practice to take out home equity lines of credit (HELOC) in order to finance home improvement products, education, cars, businesses, and just about everything else under the sun. Qualifying was easy. All you really needed was a home.
Today, the game has changed for the average home owner quite a [...]
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