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Three Things to Look Out for in a Credit Repair Company

Credit360 Inc. - Thursday, May 12, 2016
If it's been a while since you've looked at your credit report, you probably need credit repair services. Thankfully, there are credit repair services available to help you fix any debts or mistakes, boost your score, and return you to financial health. Unfortunately, however, there are plenty of greedy or outright scamming fixers out there looking to take advantage of your desperation. To find trustworthy and effective credit repair, look for these three things: Don't Pay Anything Up Front ..

Why We're the Best in the Credit Repair Business

Credit360 Inc. - Wednesday, May 04, 2016
The demand for credit repair services is higher than ever, and there is no shortage of companies out there claiming to offer cheap and easy solutions. But only one credit repair business has what it takes to fix your credit to your optimal satisfaction – Credit360. Our name says it all – we’re confident that we can turn your credit around by sticking to the time-honored values of hard work, innovation, and compassion. Unlike the big corporations that domina ..

There’s No Shame in Credit Repair

Credit360 Inc. - Wednesday, April 27, 2016
All too often, folks are reluctant to boost their credit score, seeing it as a sign of weakness or even a source of shame. In our society, having money problems is treated as something shameful or a sign of weak character – but this could not be further from the truth. If anything, financial hardship is a sign of strength and perseverance, something lots of ambitious and good people go through. Your Personal Credit (http://www.credit360.biz/personal-credit) has nothing to do with your  ..

As the Savings Crunch Persists, Credit is as Valuable as Ever

Credit360 Inc. - Wednesday, April 20, 2016
Contrary to popular belief, Americans were once good savers – during the 1980s, the majority of the population had a savings rate of at least 10 percent. Flash forward to 2006, and the rate has reversed to negative 10 percent – that is, most people have a debt rate of 10 percent. A study by Federal Reserve found that half the country could not even come up with $400 in savings in the event of an emergency. Most low and middle class Americans live on the razor’s edge of fi ..

What’s the Deal With Annual Fees?

Credit360 Inc. - Friday, April 15, 2016
One aspect of credit cards that tend to make people wary is the annual fee. This is deducted from your card automatically at least once a year – in rarer cases monthly – as a “convenience” fee for using the card. Depending on your credit line, the amount can range from just $15 to as much as $500 – or you might not have to pay anything at all. Generally speaking, the only cards that tend to have annual fees are reward credit cards (which offer some sort  ..

Why Credit Repair Matters

Credit360 Inc. - Sunday, April 10, 2016
We often get asked why we are so passionate about something like credit repair. Is credit really that interesting and important? Isn’t it just boring financial stuff? Far from it! Just about all big things worth doing in life – from starting a business to getting a car – rely on good credit. For better or worse, credit makes the world go round, and without a healthy credit score, you will struggle to get a lot of things done. That is why Credit360 takes so much pride  ..

How to Create and Build Business Credit

Credit360 Inc. - Tuesday, March 29, 2016
Forming a business takes a lot of resources, and very few people can just scrounge up the cash needed for it. You will need business credit, which should be distinct from personal credit, since business have different needs, parameters, and capital requirements. It is important to establish a separate credit report just for your business, so that you can attract the specific types of credit opportunities best suited for the professional world. If you have just started a business, and thus  ..

Credit vs. Debit – Which Should You Use and When?

Credit360 Inc. - Tuesday, March 22, 2016
The Great Recession has taken a toll on young people’s faith in credit. According to a 2014 study by Princeton, the majority of 18 to 29-year-olds do not have a credit card (63 percent). An increasing number of young adults are instead turning to debit cards, driven by a fear of wracking up debt or interest payments. While the concern is understandable, avoiding credit altogether is neither necessary nor advisable for financial health. Let’s start by laying out the differences  ..

How to Protect Yourself Against Identity Theft

Credit360 Inc. - Thursday, March 17, 2016
Identity theft poses one of the biggest risks to credit and finances. Around 7 percent of Americans – 17 million people – were victims of this crime in 2014 alone, and almost half of all small businesses have come under cyber-attack of some form. The problem is getting worse as hackers become savvier and personal information more access. Thankfully, with just a few simple precautions, you can protect yourself and your financial assets with relative ease. First, safegua ..

Three Easy Ways to Boost Your Credit

Credit360 Inc. - Tuesday, March 15, 2016
From buying a home to paying off your car, credit makes the world go round, and the better your score the more you can do for less. While there are many ways to improve your credit – such as spending within your limits, paying your balance on time, etc. – here are three surprisingly easy ways you can boost your credit score and help make your credit go farther. Include Your Rental Payment History to Your Credit Reports If you are a renter and make you ..

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