Robert B asked:


I want a credit card with a good balance tranfer offer. Six months at 0% will do fine.

It might be nice for it to be otherwise a good credit card too because I might pay the balance off in about a month and still want to use the credit card.

I already have a Amazon credit card with Chase so I think I need to use a different bank.

ohburr1 asked:


I am trying to find a good credit repair agency. I want one who states upfront what they do and does what they say. I have some credit issues and will like to get as much help as I can to clean them up over the next two to six months.

Isabel asked:


Are you hesitant to apply for a home loan just because you have a bad credit score? Good credit score is important but if you have bad credit it does not mean the end of the world. You can still get a home loan if you have a bad credit score.

You need to be very careful in your decision at the time of applying for the loan. Do not haste for the loan to the first offer you are presented. Many money lenders might try to rip you off just because of a bad credit history. Do not accept whatever they have to offer, look out for other options. There might be a better option waiting just next door.

A good search can help you fund lenders who are willing to provide you loan at a much lower interest rate.

Is credit score important?

Credit score is definitely important. No matter it is just a three digit number but it has great importance in today’s business world. Your credit score directly reflects your credit standings and your capacity to repay the loan. A Bad credit score does’nt makes it impossible to get the home loan but it will certainly affect the interest rate you’ll have to pay.

One of the best ways to improve your credit score before applying for the loan is to do credit score repair. All you have to is get a copy of your credit score from any credit agencies. In fact you need to check your credit score once in six months. The reason for this repair is that there might be certain errors in your credit report. Its quite possible you might have paid your dues but they are not recorded in the credit report. You have to notice all these errors and inform the credit agencies to do the necessary corrections. Remember a credit score repair can help you improve your credit score by quite a margin.

Bad credit score is definitely not the end of the world. Your home loan can still be approved. The only drawback is the high interest rate which could have been way low if you had a good credit score. Improve your credit score with the help of following tips

• Pay your dues on time

• Check your credit score at least once in six months

• Avoid creating multiple accounts. Close all unnecessary accounts. Remember zero balance accounts are also taken into consideration.

Isabella Rodrigues writes for credit-free-score.net,

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