There are literally thousands of websites that can be found when you do a search for “How to fix my credit score” What most of these sites don’t tell you are the elements that actually comprise your credit score

Although it may not seem like it, people with bad credit histories do have options when it comes to purchasing a car There are several factors that will go into a person with bad credit getting approved for an auto loan, but rest assured, it isn’t impossible to get the loan you want

Raising your credit score may seem like an impossible task if you have bad credit But in this post-crisis economy having good credit isn’t just a nice thing to have, it is essential if you want to get back on an even playing field with lenders

According to the Fair Credit Reporting Act (FCRA), every individual in America is entitled to a free credit report from each of the three nationwide consumer reporting companies- Equifax, Experian, and TransUnion In other words, you can get 3 free credit reports a year; one from Equifax, one from Experian, and one from TransUnion

Subprime It’s a word that has been heard a lot over the past few years, but not many people actually know what it means

We’ve all seen the television commercials with the catchy jingles that tell you if you don’t check your credit score you will be denied for loans or financing and wind up driving a beat up old car, or living in your parent’s basement, or using a cell phone that was discontinued in 1991 These ads, while meant to be funny, do have some truth behind them

Most people have seen or heard commercials that advertise websites to check your credit report What most people don’t know is that your credit report does not include your credit score

A lot of people have bad credit, but there are varying degrees of what is considered “bad credit” If you’re not sure where you fall in the bad credit category, the first thing you should do if you need a loan for something like home repairs, or a car, or even a business loan, is to request a copy of your credit report

Having bad credit is a growing problem in this country But getting a car loan if you have bad credit is another problem for a lot of people

Like so many of my fellow Americans, I have bad credit I didn’t always have bad credit though