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What is a Credit Score and How Do You Increase Yours?

In a world where so many things depend on your credit health, having a good score means much more than being able to afford the things you want or need—it means having financial freedom. It’s getting a 4 percent interest rate on your loan instead of 10 percent. It’s the peace of mind to know that you can confidently apply for a personal loan, put an offer in on your dream house, or finance that cross-country trip you’ve been dying to take. It’s knowing that you can get the financing you need, exactly when you need it.

But before all of that financial bliss and freedom begins, you’re going to have to get a good understanding on what your credit is and how you can start improving it. Here are some facts and tips on how you can start boosting your score today.

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How to Financially Plan for Purchasing a Home

Home ownership is a huge step and can be very exciting and nerve-wracking at the same time. Many individuals dream of the day that they will purchase their first home and enjoy all the perks and amenities of doing so. However, in order for the process of purchasing a home to be stress-free and as smooth as possible, it is very important for the soon-to-be homeowners to engage in some …

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How To Improve Bad Credit

The negative impacts of bad credit are extremely well-documented. The Balance strongly affirms that bad credit is generated by bankruptcies, property repossessions, late payments, and other poor financial decisions. Individuals who suffer from bad credit are furthermore likely to be charged higher interest rates and higher security deposits. They may also be denied loans altogether or have apartment applications turned down. Nevertheless, with the right lifestyle changes, bad credit can …

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How Can You Change That Low Credit Score?

wp-content/uploads/2016/08/what-is-the-best-credit-score-612x281.jpg Low credit score--you had no idea! How did it happen without you even being aware? Look, if you don't pay attention to your financial habits and work to keep your credit rating healthy, it will drop, and you won't be alerted about that either. It's murky waters out there, but you can keep from drowning. Too many Canadians are hit hard with a poor credit score they had no idea …

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5 Proven Tips To Raise Your Credit Score In 2016

wp-content/uploads/2016/01/Improving-credit.jpg That credit score is everything, isn't it?  For so many Canadians, it is like a ball and chain, forever holding them back from lower interest rates and better financing opportunities in general.  Your credit score can keep you from landing a great job.  Now, while this doesn't seem fair, it's just how things work in some parts of the world.  Within Canada, and all across British Columbia --a poor credit …

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Learn 5 Reliable Ways To Improve Your Credit Score

Keeping your credit report tidy and organized is critical to your financial portfolio.  You don't want to sweep financial errors under the rug as you would a dust bunny.  Instead, do your very best to pay off debt before it escalates and tarnishes your financial future. wp-content/uploads/2015/10/improving-your-credit-score.jpg Have you been searching for reliable ways to improve your credit score? Today, your credit score is everything.  This impacts your ability to purchase …

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