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Angle Financial Blog
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Augmenting credit score after settlement - Can you really do so?

John Rowley - Monday, July 13, 2015
Do you find that your credit score has dropped by certain points after you have settled debts? If yes, then you should take the necessary steps to improve your score soon. Though this is not possible in a day, you’ll be able to boost your credit score with time. Read on to know how this is possible. Get hold of your credit report - You will have to get your credit report if you are not eligible for the yearly credit report that you get free of cost. Make sure you obtain your r ..

Spare Yourself from Credit Repair Scams

Admin Manager - Tuesday, June 16, 2015
Don’t know how to figure a way out of your mounting unpaid debts? At this moment, you are perhaps tempted to try credit repair programs that will make you debt-free. Be warned, however, that there are companies that take advantage of vulnerable times like this to lure you into availing their credit repair programs. Later on, you’ll find out that they had worsened your financial situation even more. They can even land you behind bars. These are credit repair scams, and they are al ..

5 Ways to Manage Your Debt Ratio

John Rowley - Monday, February 09, 2015
Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, or your credit limit. The difference is your debt ratio. This can also be referred to as revolving (credit card) credit you have available. If your credit limit is 5,000 dollars and you have charged 2,500 on the card, your debt ratio is 50% Debt ratio accounts for 30% of your FICO score, which makes it the second highest factor the credi ..

Augmenting credit score after settlement - Can you really do so?

John Rowley - Sunday, January 04, 2015
Do you find that your credit score has dropped by certain points after you have settled debts? If yes, then you should take the necessary steps to improve your score soon. Though this is not possible in a day, you’ll be able to boost your credit score with time. Read on to know how this is possible. • Get hold of your credit report - You will have to get your credit report if you are not eligible for the yearly credit report that you get free of cost. Make sure you obtain y ..

Biggest Credit Myths, Mistakes, and Misconceptions

John Rowley - Monday, December 01, 2014
Biggest Credit Myths, Mistakes, and Misconceptions Good credit is well worth the effort it takes to both achieve and preserve it.You simply cannot afford to make the following credit mistakes: Don't fall behind on existing accounts. This includes your mortgage and car payments. One 30-day late can cost you anywhere from 30-80 points or more depending on the other factors being reported on your credit reports. Don't pay off old collections or charge-offs during the loan ..

What makes up a Credit Score

John Rowley - Monday, October 06, 2014
Ever wonder what happens when a potential lender requests your credit score? First, they send a request to a credit bureau, and they receive a report. This report will include: • Your name • Your Social Security number • Your address (and any previous addresses) • Your current and past loan information • Your public record information (court judgments, bankruptcies, liens) • A list of other companies who have reviewed your credit. • Your  ..