l****z
发帖数: 29846 | 1 Obama's Push to Expand Credit to "Credit Invisibles"
A recently released government study by the Consumer Financial Protection
Bureau on "Credit Invisibles" has some interesting facts on people with and
without credit histories.
Approximately 188.6 million Americans have credit records at one of the
NCRAs that can be scored by the commercially-available model. This
represents over 80 percent of the adult population.
An additional 19.4 million Americans, representing 8.3 percent of the
ad... 阅读全帖 |
|
z****7
发帖数: 880 | 2 有些人把卡刮开,获得密码后再涂上涂料,你在柜台激活后,他马上把里面的搞走了.
When buying gift cards from store racks, never pick the card on top. That's
because someone could have written down its numbers, said John Ulzheimer,
the president of consumer education at SmartCredit.com.
A thief knows that during the holidays, a card will be bought in advance but
not given until Christmas. After copying the card's numbers, the crook will
call the company, see if the card is active, then use it online, Ulzheimer
warned on Mint.com. |
|
p****x
发帖数: 4260 | 3 ☆─────────────────────────────────────☆
singa (瓦斯一号|我是中国人) 于 (Sat Jul 18 00:33:50 2009, 美东) 提到:
A score of 820 to 830 could make you seem unprofitable, says John Ulzheimer,
president of consumer education at Credit.com. "Culprits" are usually at
least in their forties, with long credit histories and little or no
outstanding debt. You won't be turned down, but you may not receive new
offers. "The sweet spot is 750 to 800," says Ulzheimer.
☆─────────────────────────────────────☆
phynix (饱乐 |
|
x*********n
发帖数: 28013 | 4 The Top 10 Credit Mistakes
By John Ulzheimer for Credit.com
1. Closing Credit Cards Accounts
Some of you may wonder why Closing Credit Cards is number one on this list
as the biggest credit mistake even above Missing Payments. In fact, closing
credit cards is almost as bad of an idea to increase your credit scores as
missing payments, but it is also a clear number one on the list of credit
myths. It is perhaps the most common piece of advice that consumers are
given when they ask,” How can I inc... 阅读全帖 |
|
a****9
发帖数: 1983 | 5 http://finance.yahoo.com/banking-budgeting/article/113604/moves
4 Moves That Can Lower Your Credit Score
by Lisa Gerstner
Tuesday, October 4, 2011
You may be damaging your score without knowing it.
Most people know that paying bills late can play havoc with your credit
score. But not every move that shaves points from your credit score is so
obvious.
. Charging a Big Balance to a Store Card
You're tempted to buy thousands of dollars' worth of furniture or appliances
and charge it all to a store ... 阅读全帖 |
|
