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Author: MAX EDITORIAL
Publisher: Max Editorial
ISBN: 1779710275
Category : Business & Economics
Languages : en
Pages : 104
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Book Description
O score de crédito é uma pontuação que indica a probabilidade de um indivíduo ou empresa pagar suas dívidas em dia. Ele é utilizado por instituições financeiras para avaliar o risco de conceder crédito. O score de crédito é calculado com base em uma série de fatores, incluindo: Histórico de pagamentos: O histórico de pagamentos é o fator mais importante para o cálculo do score de crédito. Quanto mais contas você pagar em dia, melhor será o seu score. Crédito disponível: O crédito disponível é a quantia de crédito que você ainda não utilizou. Quanto mais crédito você tiver disponível, menor será o seu score. Idade da conta: A idade da conta é o tempo que você tem uma conta de crédito aberta. Quanto mais tempo você tiver uma conta de crédito aberta, melhor será o seu score. Tipo de conta: O tipo de conta também afeta o score de crédito. Contas de cartão de crédito geralmente têm um impacto maior no score do que contas de empréstimos. Limites de crédito: Os limites de crédito também podem afetar o score de crédito. Quanto maiores forem os seus limites de crédito, melhor será o seu score. Siga sua leitura...
Author: MAX EDITORIAL
Publisher: Max Editorial
ISBN: 1779710275
Category : Business & Economics
Languages : en
Pages : 104
Get Book Here
Book Description
O score de crédito é uma pontuação que indica a probabilidade de um indivíduo ou empresa pagar suas dívidas em dia. Ele é utilizado por instituições financeiras para avaliar o risco de conceder crédito. O score de crédito é calculado com base em uma série de fatores, incluindo: Histórico de pagamentos: O histórico de pagamentos é o fator mais importante para o cálculo do score de crédito. Quanto mais contas você pagar em dia, melhor será o seu score. Crédito disponível: O crédito disponível é a quantia de crédito que você ainda não utilizou. Quanto mais crédito você tiver disponível, menor será o seu score. Idade da conta: A idade da conta é o tempo que você tem uma conta de crédito aberta. Quanto mais tempo você tiver uma conta de crédito aberta, melhor será o seu score. Tipo de conta: O tipo de conta também afeta o score de crédito. Contas de cartão de crédito geralmente têm um impacto maior no score do que contas de empréstimos. Limites de crédito: Os limites de crédito também podem afetar o score de crédito. Quanto maiores forem os seus limites de crédito, melhor será o seu score. Siga sua leitura...
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 240
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Book Description
Author: Liz Weston
Publisher: FT Press
ISBN: 0136117759
Category : Business & Economics
Languages : en
Pages : 228
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Book Description
“A great credit score can help you finish rich! Liz Pulliam Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.” David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner “Excellent book! Insightful, well written, and surprisingly interesting. Liz Pulliam Weston has done an outstanding job demystifying an often intimidating and frustrating topic for the benefit of all consumers.” Eric Tyson, syndicated columnist and bestselling author of Personal Finance for Dummies “No one makes complex financial information easy to understand like Liz Pulliam Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or check book—and that’s just about all of us.” Lois P. Frankel, Ph.D., author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich “In a country where consumers increasingly pay more when they have bad credit, Liz Pulliam Weston’s book provides excellent tips and advice on ways to improve your credit history and raise your credit score. If you just apply one or two of her insightful suggestions, you’ll save many times the cost of this book.” Ilyce R. Glink, financial reporter, talk show host, and bestselling author of 100 Questions Every First-Time Home Buyer Should Ask “Your credit score can save you money or cost you money—sometimes a lot of money. Yet, most people don’t even know their scores, much less know how to make them better. Liz Pulliam Weston can help you fix that. In this easy-to-understand guide you’ll learn how to make sure your score helps you get the best deal on loans and insurance. You can’t afford not to read it.” Gerri Detweiler, consumer advocate and founder of UltimateCredit.com The #1 Best-Selling Guide to Improving Your Credit Score... Now Thoroughly Updated for the Financial Crisis! In post-crash America, it’s tough to get credit...and even tougher to get rates and terms you can afford. That makes your credit score more important than ever before. Now, MSN Money/L.A. Times personal finance columnist Liz Pulliam Weston has updated her best-selling book on credit scores to show how you can maximize your score right now—and save yourself a fortune! Weston reveals the tough new realities of borrowing and credit scoring, and shows why they aren’t going to change any time soon. She rips away the mystery surrounding credit scoring, including the FICO 08 overhaul, and tells you exactly how to use the new system to maximize your score. You’ll learn how to fight back against lenders who want to lower your limits or raise your rates...bounce back from bad credit and bankruptcy...choose the right credit solutions and avoid options that only make things worse. One step at a time, Weston will help you build (or rebuild) your credit score—so you can get the credit you need and deserve! Survive a credit crisis, one step at a time How to protect or rebuild your credit score after a major financial setback Fix your credit score in as little as 72 hours Rapid rescoring: what it can fix, what it can’t fix, and how to use it Don’t let the myths of credit scoring cost you a fortune! What you’ve been told just isn’t true: how credit scores really work What drives your score—and what doesn’t The real impact of credit cards, loans, late payments, inquiries, credit counseling, and more
Author: Lita Epstein
Publisher: Penguin
ISBN: 9781592576906
Category : Business & Economics
Languages : en
Pages : 228
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Book Description
Consumers have known about credit reports for a long time; we're well aware that lenders rely on them to determine whether they want to do business with us. Any time we want to buy a house, rent an apartment, or take out a loan, it's a safe assumption that one or several reporting agencies are going to be contacted to provide our credit history. But we don't always realize that there's a single element on that report that determines success or failure, and that's a three-digit number called a credit score. Created by Fair Isaac and Company, this formerly secret FICO number was until fairly recently available only to lenders and businesses, and although it's hush-hush no longer, many of us still don't understand it because there hasn't been enough information on what it is and what exactly lenders are looking for. And we certainly haven't known how to make it work for us rather than against us. In The Complete Idiot's Guide to Improving Your Credit Score, author Lita Epstein clearly explains what your credit score is and how it impacts your life. Rather than putting the focus squarely on credit emergencies, it provides everything readers need to know to raise their score and keep it high, now and in the future.
Author: Jamaine Burrell
Publisher: Atlantic Publishing Company
ISBN: 0910627940
Category : Business & Economics
Languages : en
Pages : 290
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Book Description
Offering a road map to repairing credit information, this new book offers tips on how to use legal rights to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.
Author: Steve Bucci
Publisher: John Wiley & Sons
ISBN: 0470276738
Category : Business & Economics
Languages : en
Pages : 394
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Book Description
Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to: Take charge of your credit Get help from credit counselors Request copies of your credit report Know how to interpret your credit report and credit score Avoid foreclosure Communicate with collectors, lawyers, and the courts Manage medical debt Safe-guard your identity Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.
Author: Joe Lance Letizia
Publisher: Capital Investment Funding Corp.
ISBN: 9780976893905
Category : Business & Economics
Languages : en
Pages : 220
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Book Description
Annotation: How would you like to buy your dream home and improve your credit at the same time? Now you can! Get the inside scoop on what the experts already know - the top secrets to improving your credit score with the best mortgage and no closing costs. When it comes to getting the best real estate mortgages, your credit score is everything. That means you need a plan of action that will provide you with the right mortgage and the best possible credit score within the shortest period of time.
Author: Richard Johnson
Publisher: Dog Ear Publishing
ISBN: 145750121X
Category :
Languages : en
Pages : 114
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Book Description
"Credit Scores and You" is the definitive guide on how to create, maintain, or repair your credit score. Knowing how to get your credit score over 700 and to keep it there can save you tens of thousands of dollars over the course of your lifetime. The book is the result of the author's desire to give financial direction and inspiration to his two sons as they grew into young adults. His career in lending and the financial world has provided a keen understanding of what is required to build a solid financial base, and how vitally important an excellent credit score has become in business, and in day-to-day life. It shares real life experiences, and provides information on getting started in finances, handling money, and how to build your credit history. Learning about trade lines, the credit scoring system, and when to consider various loan products is discussed. How your credit history impacts what you do and what it can cost you over time is the essence of this subject. A good credit score involves much more than what it will cost for a particular loan product. Your credit score is considered when you apply for a job, when you are looking for housing, and how the insurance company views you as customer. That simple three-digit number has become more profound since the mid 1990's than ever before. Your credit score will determine whether or not you are approved for a loan product. In many cases it will also dictate how much you will pay in interest rates and fees. Excellent credit scores will open many more doors and save you money. A good credit score will also help you when applying for a job. Many employers will run a credit check along with a background check before they will consider a candidate for employment. High or low credit scores are considered a reflection on how an applicant may perform on the job. Insurance companies have their own methods for determining risk, and charge insurance premiums based on that data. Credit scores in recent years have become one of the factors that they look at on an insurance application. High or low credit scores can be one of the determining factors in what they charge. Having an understanding of the importance of a great credit score should not be underestimated. 'Credit Scores and You' will give the reader an excellent basis for getting on the right track toward financial wellness.
Author: Vijay Gupta
Publisher: eInitial Publication
ISBN:
Category : Business & Economics
Languages : en
Pages : 27
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Book Description
"Credit Score Mastery" is your comprehensive guide to understanding, improving, and mastering your credit score. In this ebook, you will learn everything you need to know about credit scores, from the basics of what a credit score is to advanced strategies for optimizing and maintaining a healthy credit profile. Whether you're a seasoned credit expert looking to fine-tune your credit strategy or someone just starting on their credit journey, this ebook has something for everyone. With clear explanations, actionable tips, and practical advice, "Credit Score Mastery" equips you with the knowledge and tools you need to take control of your credit and achieve your financial goals. Inside "Credit Score Mastery," you'll discover: Understanding Credit Scores: Learn the fundamentals of credit scores, including what they are, why they matter, and how they are calculated. Gain insights into the factors that influence your credit score and how to interpret your credit report. Strategies for Improvement: Explore proven strategies for improving your credit score, from paying bills on time to reducing credit card balances, managing debt effectively, and disputing errors on your credit report. Building Positive Credit Habits: Discover how to cultivate positive credit habits, including budgeting and financial planning, using credit responsibly, establishing a mix of credit types, and avoiding common credit pitfalls. Advanced Techniques for Credit Improvement: Dive into advanced techniques for credit improvement, such as negotiating with creditors, exploring debt consolidation options, utilizing credit counseling services, and understanding the impact of credit inquiries. Long-Term Credit Score Maintenance: Learn how to maintain your credit score over the long term by monitoring your credit regularly, avoiding actions that can harm your score, and effectively rebuilding your credit after setbacks. Credit Score FAQs: Get answers to common questions about credit scores and clarifications on misconceptions that may impact your understanding of credit. Whether you're striving to qualify for a mortgage, secure a low-interest loan, or simply improve your financial well-being, "Credit Score Mastery" provides you with the knowledge, strategies, and confidence to navigate the world of credit effectively. With practical advice and expert guidance, you'll be well on your way to mastering your credit score and achieving financial success. Take control of your financial future today with "Credit Score Mastery." Unlock the secrets to optimizing your credit score and unlocking greater financial opportunities.
Author: Liz Pulliam Weston
Publisher: FT Press
ISBN: 0132823497
Category : Business & Economics
Languages : en
Pages : 241
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Book Description
Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors.
