How High Should My Credit Score be?


Here are a couple of general rules for your consideration. Your minimum credit score needs to be at least 650. If your credit score is below 650 then there are ways to fix it. Here's how it works...

A. You can challenge anything in your credit report. If the merchant can't provide proof of their claim, then the item must be removed from your credit report. For example, if Department Store X says that you didn't pay-off your $72 balance on your X card in 1997, and you say that you did, then Department Store X has 30 days to provide the documentation proving that the bill is unpaid. If they can't prove their claim, then the outstanding debt is removed and you're moving toward a higher credit score. If Department Store X is right and you do owe them $72, then you now know the problem and you have the opportunity to pay the $72... again you're moving toward a higher credit score.

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Protect Your Credit While Traveling this Summer

The summer travel season is officially here. During the summer we all like to relax and unwind while traveling with our families and friends. While you are unwinding don't be too careless about protecting your identity.

Travelers in unfamiliar locations are often targeted by pickpockets, aggressors and identity thieves. Even though you let your hair down its' important not to let your guard down. To help protect yourself and your family consider these recommendations while you're on vacation.

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Test Your Credit Score Knowledge

Credit profile, score, assessment: if you're thinking of taking out a home loan, these are important terms you'll need to learn more about.

What is a credit score?

All credit active people have a profile. This is a summary of your history with every credit provider you've ever dealt with, and serves as a record of how well you've managed your accounts like loan repayments, overdue debts, how often you've asked for credit and the kinds of loans or credit you've applied for, and the frequency of your applications.

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