American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • Mobile payments are all the rage right now. Which begs the question should you trust apps that access your credit card information? No, says Pat Carroll, founder and chairman of ValidSoft. “You should not give your credit card information through any app,” Carroll says. “You can’t trust apps, not even apps that are coming from legitimate […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • Budget Before reaching for you credit card create a budget. Strip away anything unnecessary even small luxuries like the occasional coffee or your Netflix subscription. Normally small expenses aren’t going to break your budget, but you need to watch them very carefully during unemployment. Priorities With your budget in place, you need to set priorities. […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • 1. Debit cards Debit cards come with a lot of the same conveniences as credit cards, like online payments and shopping, fraud protection and the ability to shop without carrying cash. For consumers looking to improve their credit scores, debit cards won’t help. Responsible credit card use is the way to go, though debit cards have […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • Here are four very easy things you can do to start improving your credit. Let Your Accounts Get Older The age of your credit history accounts for about 15% of your overall credit score. Like car insurance companies use age to predict how risky it is to insure a driver, credit bureaus use the credit […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • 1. You’re in denial This may be one of the most prominent indicators that you are addicted to the magic plastic. If you have no idea how much the outstanding balances are and simply remit payments each month, there is a large chance that you’re in denial. 2. You can’t live without the magic plastic […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • In order to get a mortgage these days, home buyers are typically required to have three credit scores — one scoring model calculated three times based on each of your credit reports at the three major credit bureaus. However, one problem that I see periodically when working with homebuyers is that they do not have […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  •   If your credit card has no pre-determined spending limit, it might hurt your credit score. Let’s get one thing straight — if your credit card requires payments in full every month and doesn’t have a credit limit or an interest rate, you’re not using a credit card: You’re using a charge card. A charge card […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • Exactly how much does a bad credit score cost you over your lifetime. While that question is hard to answer definitively for every person it is a fact that poor credit will make your life more expensive across a variety of services. Higher interest rates, larger deposits, more expensive premiums and the lack of access […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • If someone were to take several pictures of you in one afternoon, would you look exactly the same in all of them? You’re going to look the same for the most part, but there will be some subtle differences in each of the photos. Whether you look at the way your hair, your posture or […]

American Credit - Credit Repair Center
American Credit - Credit Repair Center
Blog Post
  • Does credit scoring favor older, more mature people? No, it doesn’t. Credit scores don’t take age into consideration. Now, the age of your credit file, that has a large impact on your credit score. The length of your credit history usually makes up 15% of your credit score. Typical credit-scoring models consider the age of your oldest account, the […]

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