Better Credit Blog

AUGUST 9, 2021

Whereas rates on credit cards can be 13-25%, average rates on personal loans are 14-18%,” says Toms. They can vary widely, however, from just over 4% annually (for people with exceptional credit) to 25% for people with poor credit.”. Best Debt Consolidation Loans. 10 late payment fee.

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Credit Corp

JUNE 1, 2021

Include a line item in the budget for any credit card debt. Pay Student Loan Debt. Department of Education has extended loan payment forbearance, zero percent interest accrual, tax-free employer contribution benefits, and its pause on collections. Eliminate or Avoid Any Credit Card Debt.

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Titan Consulting

MAY 17, 2020

As lenders acknowledge the need for alternative credit data, companies are finding innovative ways to track non-traditional payments without requiring consumers to borrow money or use a credit card. We work with consumers seeking debt consolidation loans, or who may be considering options like debt negotiation or bankruptcy.

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Fico Collections

AUGUST 29, 2022

“Amounts Owed” comprises some 30% of the overall FICO® Score calculation and is heavily weighted towards credit card balances and utilization -- so the observed increase in credit card debt levels is contributing to the average score leveling off.

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Titan Consulting

MAY 24, 2020

Credit bureaus measure variables related to your debt like the total amount of your debt, if you make your debt payments on time, how long you have been paying on debt obligations and how much debt you are servicing relative to how much potential debt has been extended to you.

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Credit Corp

JULY 8, 2021

You might have heard that you need to carry a balance on your credit cards for a balance to show up on your credit report every month. “I I have no idea where that myth originated, but it has been circulated widely in the last year or two,” Rod Griffin, director of public education at Experian, told me. “It

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Titan Consulting

MAY 10, 2020

Other databases track rent payments, payday or short-term loans, and online personal loans. Combining these payment records with bank account data, asset ownership, and public records, the FICO XD produces a reliable credit score. Which Lenders Use the FICO XD. Contact us today at (888) 488-4517 or Apply Online now.

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Better Credit Blog

APRIL 11, 2022

Some examples of debt are mortgages, credit card dues, and personal loans. Although accruing lots of debt isn’t ideal, it may sometimes be unavoidable, such as mortgage payments or student loans. In other cases, such as credit card debt, it’s seen as a hardship and can have a negative impact.

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Titan Consulting

SEPTEMBER 2, 2020

Debt consolidation might include a debt management repayment plan, credit card balance transfer, personal loan, or equity line of credit. The main strategy in any debt consolidation strategy involves replacing one debt with another debt, usually with a lower interest rate or monthly payment.

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Titan Consulting

JULY 8, 2020

Banks operate conservatively and evaluate consumer risk for all credit decisions, including home, car, personal loans, and credit cards. We work with consumers seeking debt consolidation loans, or who may be considering options like debt negotiation or bankruptcy. Banks and Risk.

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