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Your Credit Score Can Be Destroyed By Simple Credit Inquiries

Your Credit Score Can Be Destroyed By Simple Credit Inquiries

What you don't know about credit inquires can destroy your credit score and effect what you can qualify for. Whether you are shopping for a cell phone, car, home loan, insurance, or just curious about wanting to see what you could qualify for, a credit inquiry can cost you points on your credit score. Even a reduction in credit points may seem trivial. A change in credit points over a 30 year period can cost 1000's if not 10,000's of dollars in higher interest payments. Furthermore to some it can mean the difference of being able to qualify for a home, car, or other financing that is necessary in today's world. Usually a credit inquiry will result in a less than a five point reduction in your credit score. However with multiple inquiries comes the likelihood that the score will plummet and the interest rates for purchases will go up. This will result in the consumer with a lower credit score to make higher payments for home, car, of other credit purchases.

There are several different credit inquiries. An inquiry for a specific purchase will have a freezing point for a 2 week period. In other words if you were shopping for a car you could have your credit pulled, (also called an credit report inquiry) at several car lots during a two week period and it would only count as one inquiry. This type of inquiry usually results in less than five point drop in the credit score. This is because the credit bureau considers all the credit inquiries done in the two week period for the same credit purchase to only affect the credit score once.

The second type of credit inquiry is when a person is attempting to obtain different types of credit that is not related, such as car financing inquiry and purchase of a cell phone. These two items are not related. When an inquiry is placed on the credit report it will cause the score to go down. This results in the score going down twice because of the different types of credit inquiries. Applying for credit to see what you can get and trying for different types of credit can lower your score significantly enough not to qualify for credit purchases at all.

Another common credit inquiry is when a marketing company purchases a list from the credit bureau. Then the company uses that targeted list to send out unsolicited pre-approved credit offers. These offers usually come by mail and this type of inquiry does not affect your score. The credit bureau's theory is it would be unfair to penalize a person who hadn't inquired about a credit purchase and had no control of receiving the unsolicited offer. Even though these offers do not affect your credit score they can be an annoyance. This type of offer can be used by potential thieves as a source for identity theft or credit fraud. For that reason any unsolicited credit cards should not been thrown in the trash prior to shredding them completely.

Reviewing your own credit from credit bureau sources will not affect your credit score. Your credit request (for simply review) does not hurt your score. It is your right to know what is in your complete credit file. The information on these credit reports are identical to what a lender, underwriter or creditor will see. However the credit scores on these credit reports can vary because of the way credit bureaus interpret your score. When considering a purchase of a home or car it is always best to check with a professional in that field of financing. That expert can help you determine the score that is relevant to your purchase and which credit bureaus will be used.

Your credit score can be destroyed by simple credit inquiries. The way to avoid loosing credit points is to have your loan approved for a car, home, or other credit purchase prior to going on a shopping spree. The difference in a credit score going down even 5 points could result in getting a less desirable interest rate, the credit lender requiring more down payment, or even denial of your desired loan.

Credit Inquiries are supposed to remain on your credit report for up to two years. The fact is you may have to ask the credit bureaus/creditors to have them removed after their expiration. The below numbers are directly to the credit bureaus and will allow you to order your credit reports directly. Reviewing credit through these sources are the best as they won't lower your credit score even when viewed often.

Trans Union 1-866-887-2673

Equifax 1-800-685-1111

Experian 1-888-397-3742

Another good reason to review your credit report inquiries is to protect your credit from identity theft or credit fraud. By reviewing your credit you can see recent inquiries for credit purchases. Should you notice names of unfamiliar creditors, it could be an early sign of identity theft or credit fraud. Simply call the all three credit bureaus and have them place a fraud alert on your credit report. This will stop most credit theft. Today credit fraud and identity theft are more prevalent than ever before.

The Reward Credit Card Tips the Scales Towards Consumers

The Reward Credit Card Tips the Scales Towards Consumers

Credit cards that have some sort of rewards offer comprise the majority of all cards available to individual consumers and small businesses. This is for two reasons, the first of which being that, while reward offering credit cards were once a category all their own, rewards are now a feature put on just about every other type of card you can think of. The second reason is because reward offers made credit cards popular. The concept behind the credit card is a little depressing when looked at it alone, you pay for things even if you don't have the money, and a bank charges you extra for it. Reward offers tip the balance a little more towards the consumer and make the idea of a credit card more palatable.

There is probably a reward offering card for any interest you could have. Airline miles, hotel points, cash, gas discounts, book discounts, movie discounts, theme park discounts, Internet website discounts represent just a fraction of the rewards available. Even if you can't find a particular card that suits your fancy, there are general reward offers from issuing companies that permit you to use rebates and discounts at their merchant and retail partners. Many issuing companies have 40 or 50 of these types of partners. Odds are one of them will have something to fit your niche.

As I said before, reward offer cards aren't so much a category as they are a feature in modern times. Features get blended together to make superior cards. It's common now to have low introductory interest rates, balance transfer capability, and reward offers on your small business credit card which was obtained with instant approval. I'd be willing to bet that, with reward offers being this common, and assuming you have a credit card, you are currently racking up points for a reward offer that you may not even know about. Take a look in your wallet.

You're wondering what the catch is, which I can explain. My father once told me that all tax cuts trumpeted by politicians amount to nothing. If the federal government lowers its taxes, local and state governments will have room to nudge their taxes up. Oh, don't worry, I'm going to tie this all together, this isn't a completely unwarranted rant. Just wait. So anyway, he told me that tax cuts are usually a marketing ploy, and we as constituents might get a little back here and there, but largely we're unaffected.

The point of that is this: for the most part, reward offering credit cards work similarly. While you do get rewards, you'll also typically get a higher interest rate, or a larger overdraft fee. As with most things, it evens out in the end. But also, like most things, if you are quite aware of exactly what you are doing, you can take advantage of reward offerings. The degree of your benefit will be largely based on your ability to maximize your reward points will minimizing your interest and fees.
The Reward Credit Card Tips the Scales Towards Consumers

Protect Your Credit Card

Protect Your Credit Card

In addition to protecting your credit rating, it is also important to protect the physical credit card itself. Having the card in your possession is not enough, as people can write down the number on the card and use it to make fraudulent purchases. Identity theft has become a problem that costs consumers and companies billions of dollars each year.

Even if fraud, banks and credit card company have never directly affected you will pass down the costs of fraud to consumers. An example of this is the foreign currency transaction fees that you will have to pay when you use your credit card in foreign countries. When you look at it like this, credit card fraud has an effect on virtually everyone. There are a number of things you can do to make sure your card and the numbers on it are protected at all times.

Never provide your credit card number over the phone to someone you didn't initiate the call with. You should make sure you know whom you are talking to before you give them your credit card number. Even if the person says they are affiliated with a well known company, if you didn't call them, don't give them your credit card number until you're sure. If you mistakenly give them your information, immediately call your credit card company and cancel the card.

You also want to avoid using websites that you're not familiar with. Since the rise of the internet, fraud has become rampant, and many people have become the victims of identity theft. When you make a purchase at a website, make sure they have security statements. In addition to this, look for a small yellow lock that is closed. It will be located on the bottom right side of the screen. If possible, only carry one credit card at a time. People who carry around multiple cards are likely to lose them. Once you lose your card, the chances of you becoming a victim of fraud dramatically increase.

Always look at your monthly credit card statement to make sure there are no unauthorized charges. If you see something suspicious, immediately call the credit card company. Whenever you close an account, immediately cut up the cards before discarding them. When you get a charge receipt from the store, make sure you shred it prior to throwing it away. Doing these things will help you avoid becoming the victim of fraud.
Protect Your Credit Card

Free instant credit reports

Free instant credit reports

Free instant credit reports are good and more convenient solution for today’s busy schedule people. Who are really interested in saving their money and want to be up-to-date in their financial situation.

Free instant credit report has made possible by modern technology but the concept of tracking consumer financial history is the same as mush older. Because of free instant credit report many consumer dutifully pay their credit while others still didn’t.

Consumers were required to provide detailed personal information and a valid credit card account number to get their credit report. They were assured that, “Your card will not be charged during the free trial period. However, valid credit card information is required to establish your account.

Free instant credit report only includes information such as where you are employed and how well you pay off your debts, these old-fashioned reports included character references from people who knew the customers, driving records, and other details most of us wouldn't find relevant in determining a person's creditworthiness.

For free instant credit report, three different reporting agencies are there which easy access to credit histories. Thanks to modern technology, such as fax machines, computers, and the Internet, because of all these technology we don't have to wait weeks to know if we are eligible for a loan. We can often get an answer in less than 24 hours. Those early merchants probably never imagined an instant credit report.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well.

How To Repair Bad Credit

How To Repair Bad Credit
The first step needed to overcome a bad credit is to snatch a copy and take a look into your own credit report because incorrect information on your credit report will only make matters worse if you already have a bad credit rating. According to the US Public Interest Research Group, one quarter of the credit reports ordered contained errors. You can order a copy of your credit from three credit reporting agencies – Experian, Trans Union and Equifax. You are entitled to one free copy of your credit report per year, and each time you are refused credit, employment or insurance.

If you are sure that there are false Statements on your Report, write a letter to each of the Credit Reporting Agencies. Explain the questionable items in detail, and provide proof to back up your claims (Paid Receipts for example). Investigation takes 30 days, and decision will be made after that period.

If you are planning to get professional help, be aware of your rights as a consumer outline in the Credit Repair Organizations Act (CROA). According to some of the provisions provided by this Act, the credit repair company cannot make false claims about their services, or charge you until they have completed the promised services, must have a detailed description of the services to be performed, duration, and guarantees if they can offer any.

One important step that can be really helpful in repairing bad credit is to negotiate with your creditors for a repayment plan keeping in mind how much you can afford and intend to pay. It may also be possible to get them to remove the charge off from your report and replace it with "paid as agreed" by offering to pay a certain amount per month. Many creditors agree to remove the negative from credits report in return for payment because they are sure that the will get their money back this way. You can also try to get them to drop the interest too in exchange for a lump sum as first payment.

Another action that can be taken in order to deal with bad credit is to get help through a credit counseling company. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. These agencies can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops, information and referrals. Certified and trained counselors will discuss your entire financial situation with you, advice and help you to develop a personalized plan to overcome your financial problems.

Here are some other important steps that can be taken to improve bad credit:

1.Pay all of your bills on time, which accounts for 35% of your FICO score.

2.Get a secured credit card to help reestablish your credit

3.Request in writing to your creditors to reduce the credit limits on your accounts to lower your amount of available credit since the total amount of available credit is considered by lenders even if you owe nothing.

4.Request in writing to your creditors to close some of your credit card accounts and report this status change to all the three credit-reporting agencies.


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พยายามซื้อถูกแล้วไปขายแพง ฟังดูแล้วการเล่นหุ้นให้กำไร ก็ไม่น่าจะยากลำบากแต่อย่างใด

แต่พอเอาเข้าจริงๆ จะมีนักลงทุนสักกี่คนที่ทำได้ดังว่าจนประสบความสำเร็จได้กำไร และร่ำรวยขึ้นโดยเฉพาะนักลงทุนหน้าใหม่ที่ยังไม่เข้าใจตลาดหุ้นดีพอเห็นการเล่นหุ้นเหมือนการเล่นขายของคงได้กำไรง่ายๆแต่หลังจากเริ่มลงทุนไปได้สักระยะหนึ่งก็ชักจะรู้สึกว่าถูกหุ้นเล่น(งาน)แทนที่จะเล่นหุ้น ที่เคยมีคนบอกว่าเล่นหุ้นแล้วได้กำไรง่าย ชักไม่จริงดังว่า ยิ่งซื้อยิ่งติด ยิ่งซื้อยิ่งถูกลง แล้วจะทำอย่างไรดี

ในตำราฝรั่งซึ่งเป็นต้นแบบของการลงทุนในหุ้นมีแนวคิด หรือหลักการที่เสนอข้อคิดเกี่ยวกับการเล่นหุ้นไว้มากมายที่ล้วนน่าสนใจและก็ใช้ได้ผลดีพอควร ในที่นี้ผู้เขียนขอหยิบเอาจุดสำคัญที่น่าสนใจบางส่วนมาเล่าให้ฟังโดยเป็นประเด็นสำหรับนักลงทุนหน้าใหม่ทั้งหลายที่น่าจะ เก็บเอาไว้พิเคราะห์ดู ส่วนนักลงทุนที่ยังคลำเป้าไม่ค่อยเจอก็ลองฟังดูได้ไม่ผิดกติกาอะไร

ข้อที่หนึ่ง กล่าวไว้ว่าอย่าคิดรวยเร็วแบบเปิดปุ๊ปติดปั๊บต้องใช้เวลา และความคิดก่อนที่จะเป็นนักลงทุนผู้ประสบความสำเร็จ ซึ่งที่จริง ก็คือสัจธรรมของอาชีพการงานทั้งหลายจะประสบความสำเร็จต้องมีความอดทน และมีอุตสาหะในการเรียนรู้และพัฒนา ยิ่งรู้และเข้าใจตลาดหุ้นมากเท่าไร โอกาสสำเร็จก็สูง พลาดก็น้อย ไม่มีสูตรสำเร็จหรือทางลัดใด ๆ ในการเล่นหุ้น อย่าหวังรวยเร็ว

ข้อที่สอง บอกว่าอย่าเริ่มลงทุนหากยังไม่มีเงินสะสมเพียงพอสำหรับการใช้จ่ายนานเก้าเดือน เพราะการลงทุนใช่ว่าจะโชคดีสามารถทำกำไรได้ตั้งแต่วินาทีแรก หุ้นบางตัวซื้อแล้วต้องถือไว้สักระยะหนึ่ง จึงจะทำกำไรได้ และหากพลาดไปซื้อหุ้นที่ราคาตกลงแถมยังขายยากอีกต่างหากก็มีอยู่ไม่น้อย

ดังนั้นต้องมีเงินสำรองสำหรับใช้จ่ายให้นานเพียงพอระหว่างรอผลตอบแทนจากการลงทุน สำหรับคนที่มีเงินเดือนเป็นรายได้ประจำคงผ่านข้อนี้ไปได้

ข้อที่สาม กล่าวถึงต้องรู้เป้าหมายของการลงทุนว่าต้องการอะไร ระหว่างผลตอบแทนแบบเงินได้ประจำ (INCOME) อาทิเช่น เงินปันผลหรือดอกเบี้ย หรือต้องการให้เงินลงทุนเติบโต (GROWTH) คือ ราคาหุ้นมีการปรับตัวเพิ่มขึ้นเป็นลำดับ ทั้งนี้เพื่อป้องกันความสับสนในการเลือกหุ้นที่จะลงทุน ตัวอย่างเช่น ต้องการให้เงินลงทุนงอกเงยเร็ว (เก็งกำไร) แต่กลับไปซื้อหุ้นประเภทที่ไม่ค่อยมีสภาพคล่อง ผลประกอบการดีพอควร จ่ายเงินปันผลสูง เป็นต้น ผลตอบแทนที่ได้ก็จะไม่ตรงกับเป้าหมายที่วางไว้แต่เดิม

ข้อที่สี่ ให้เริ่มต้นซื้อหุ้นของกิจการที่มีชื่อเสียง มีผลประกอบการในอดีตที่ดีหารายงานวิเคราะห์ได้ง่าย และซื้อง่ายขายคล่องหรือสรุป คือซื้อหุ้นบลูชิพเพราะไม่ว่าสภาวะตลาดจะเป็นอย่างไร การถือหุ้นประเภทนี้ไว้ในระยะยาวก็ยังให้ผลตอบแทนเสมอ แม้จะไม่มากนัก แต่ความเสี่ยงในการลงทุนก็ต่ำกว่าหุ้นประเภทอื่น

ข้อที่ห้า หาเหตุผลสนับสนุนอย่างชัดแจ้งถึงแนวโน้มการเพิ่มขึ้นของราคาหุ้น ก่อนจะซื้อหุ้นตัวหนึ่งตัวใดเสมอ ไม่ยึดเอาความรู้สึกเป็นเกณฑ์ในการตัดสินใจ เพราะราคาหุ้นจะเพิ่มขึ้นตามปัจจัยพื้นฐานของกิจการนั้น ๆ ทั้งในด้านของผลประกอบการ การทำกำไร แนวโน้มการเติบโตในอนาคตเป็นต้นแต่หุ้นจะไม่ขึ้นเพียงเพราะรู้สึกว่าอยากจะขึ้น

ข้อที่หก ไม่จำเป็นต้องซื้อขาย ปรับพอร์ทโฟลิโอบ่อย ๆ เพราะกำไรที่ควรได้จะสูญเสียไปกับค่าคอมมิชชั่น หากพิจารณาคัดเลือกหุ้นที่จะซื้อลงทุนได้แล้วควรถือหุ้นเก็บไว้นานสักระยะหนึ่งไม่ควรซื้อมาขายไปตลอดเวลา เพราะเป็นการเสียโอกาสในการทำกำไรแบบต่อเนื่อง เมื่อหุ้นอยู่ในช่วงขาขึ้นทั้งกำไรที่ควรได้ส่วนหนึ่งถูกลดทอนไปกับค่าคอมมิชชั่นที่ต้องจ่ายไปในการซื้อขายทุกครั้ง

ข้อที่เจ็ด ให้กระจายความเสี่ยงการลงทุนไม่ควรลงทุนในหุ้นตัวใดตัวหนึ่งเพียงตัวเดียว เพราะไม่มีบริษัทใดจะมีผลประกอบการดีอย่างต่อเนื่องทุกปีตลอดไป มีโอกาสที่เกิดอาการสะดุดจนกำไรหายไปบ้างในบางปีเช่นกัน อย่างไรก็ตาม ผู้เขียนก็ขอเสนอข้อคิดเห็นเพิ่มในข้อนี้ด้วยว่า ก็ไม่ควรกระจายความเสี่ยงมากจนเกินไป เพราะนักลงทุนบางท่านซื้อหุ้นเก็บไว้ในพอร์ทหลายสิบตัวในเวลาเดียวกัน ซึ่งทำให้ไม่สามารถติดตามราคาหุ้นและผลประกอบการได้ใกล้ชิดทุกตัว และหากเกิดสถานการณ์พลิกผันในตลาดหุ้น โอกาสที่จะขายเพื่อถือเงินสดจะทำได้ยาก ทำให้ติดหุ้น

ข้อที่แปด ตั้งจุดขาดทุนสูงสุดไว้ในใจ เป็นข้อที่สำคัญเหมือนเบรคของรถยนต์ เพราะหากเลือกซื้อหุ้นผิด แล้วราคาตกลง ต้องกล้าตัดสินใจขายทิ้งเมื่อราคาหุ้นตกลงถึงจุดที่กำหนดไว้ อย่าเชื่อมั่นว่าหุ้นมีลงก็มีขึ้น เพราะมีหุ้นอยู่เป็นจำนวนมากที่ลงเป็นแต่ขึ้นไม่เป็น

ข้อที่เก้า เป็นส่วนเสริมจากข้อที่แปดคือต้องหาเหตุผลว่าทำไมราคาหุ้นตัวนั้นจึงปรับตัวลดลง โดยเฉพาะจากปัจจัยพื้นฐานทั้งหลาย ไม่ว่าจะเป็นผลประกอบการ ปัญหาด้านธุรกิจ การจัดการการเงิน ฯลฯ ตลอดจนแนวโน้มในอนาคต เพื่อจะได้เก็บไว้เป็นประสบการณ์ไม่เสี่ยงซื้อหุ้นที่มีลักษณะคล้ายคลึงเช่นนั้นอีกในอนาคต

ข้อสุดท้าย ต้องมั่นค้นคว้าและอ่านบทความเกี่ยวกับการลงทุน และกลยุทธ์การลงทุนอยู่เสมอ เพราะกระแสการเปลี่ยนแปลงในตลาดการเงินนั้นรวดเร็วมากและเกิดขึ้นอยู่ตลอดเวลา

จากที่กล่าวมาทั้งหมดนี้คงจะเป็นแนวทางเบื้องต้นสำหรับนักลงทุนหน้าใหม่ได้พอสมควรโดยเฉพาะข้อสุดท้ายดูจะเป็นสิ่งประกันความสำเร็จได้ดีที่สุดตามหลักตำราพิชัยสงคราม รู้เขารู้เรา รบร้อยครั้งชนะร้อยครั้ง