credit and habit

How can I fix my credit for free? lets fix credit There are plenty of approaches consumers can take when it comes to repairing their credit reports. Free credit repair is probably the best option because it's free. In this article, we’ll explore how consumers can repair their own credit and look at some options for credit repair services as well. Credit report errors are among the top complaints to the Consumer Financial Protection Bureau (CFPB), ranking only behind debt collection and mortgage complaints. If such errors aren’t fixed, they can lower a credit score and cause consumers to pay more for credit cards, mortgages, and other types of loans, and sometimes get declined when applying for a credit card or loan, especially when applying for a mortgage. The responsibility of spotting errors falls on the consumer, who must then report them to the major credit bureaus that compile credit reports so the errors are corrected and their score can be improved. The good news is that fi...

When did credit cards start? The first concept of credit can be said to date back to at least 4,000 years ago in ancient Mesopotamia. Inscriptions on clay tablets from that time period show a record of transactions between Mesopotamian and neighboring merchants from Harappa, and are among the earliest known examples of an agreement to buy something at the moment but pay for it later. Fast forward thousands of years, and these ancient I.O.U.s gave way to the earliest versions of store cards, where merchants in the Old West would issue goods to farmers and ranchers who wouldn’t have the money upfront to buy the supplies. The merchants would issue metal coins or small plates as a receipt of the loan, and as the farmers harvested their crops and ranchers sold their livestock, they would repay the merchant. Over time, these placeholders for payment-in-full evolved in the U.S. into versions that more closely resemble the cards we know today. Old style credit cards When was the first credit c...

How to chose the first credit card I can't tell you what should be your first card. That has to be your own decision. I can help you with ideas on where to start. I personally started with the Chase Freedom Credit Card. The reason why I started with this card is that I already had a checking account with them, and most banks will more easily approve you for a credit card even if you don't have any credit history. For a secure credit card, you don't need a credit history or credit score, and it will build one for you. It may take up to six months. After that, you can apply for a regular credit card. The Capital One Platinum Secured Card or the Citi Secured Mastercard are great for that. Before applying, check if you are pre-approved. Most credit card companies allow you to check if you are pre-approved. If you are a student, you should consider opening a student card. It is very easy to get approved. You just need to have a prof that you are in school or college with. You ca...

  What is the fastest way to fix my credit? Pay credit card balances strategically  Ask for higher credit limits  Become an authorized user  Pay bills on time  Dispute credit report errors  Deal with collections accounts  Use a secured credit card  Get credit for rent and utility payments  Add to your credit mix To expedite your credit fixing you'll need to work by yourself and use a credit fixing company. First what you need to do, I created a list for you with 9 things you can do the fix and bring up your credit score. In the same time you should also use a professional company to help you whit things you can't do by you self, or they can give ideas how you can fix it by yourself, I have a recommendation for you it is the  CreditFirm.net , I by my self had a great experience whit them they are nice people and understand exactly what I want, it's only  $49.99 per month  try it by your self and let me know what your experi...

  My credit get hit what should I do now, can I improve it?  There is a lot of ways you can improve your credit and built a healthy credit history, I will share with you a few tips how you can achieve them, there are methods that you can do by your self and there that other people or companies can help you with that. What is the first thing to do to improve my credit? The first thing to do to improve and built your credit is to open a credit card, without a credit card you will not have credit, once you have opened your first credit card you can start building it, building a good credit can take time, we will have wait a wile to see results.  What's the next thing after I opened a credit card? Next we will start building it, to understand how credit is build we have to know the factors that credit unions use to calculate our credit score, there are 5 main factors that the credit score is calculated with. P ayment history Total am ount owed Length of credit history T...

  To start build a credit form scratch it can take 6 months till you'll get a score by Appling for a credit card, there are faster alternatives, you can ask your friend to add you as an additional user to there credit card, this can take as fast as 1 month in some cases 2 months, and if your friend have a good credit history on this card you will also get it!