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A Quick Guide to Mortgages

Credit360 Inc. - Sunday, November 13, 2016
When buying a home or any other kind of real estate, you’ll need to borrow money – unless you’ve got hundreds of thousands of dollars of cash on hand. Thankfully, there are all sorts of home loans – a.k.a. mortgages – that you can choose from depending on your needs or circumstances. FHA Loan This is the most well known and popular type of mortgage, especially for first-time homebuyers. Insured by the Federal Housing Administration (FHA ..

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

Credit360 Inc. - Wednesday, October 12, 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&rs ..

Top Ten Travel Tips for Any Trip

Credit360 Inc. - Monday, September 19, 2016
Travelling doesn't have to break the bank. With a few simple and accessible tips, you can enjoy almost any adventure your heart desires while remaining financially responsible. Here are some ideas from our experienced credit and finance experts. Travel with card and cash Lots of people think that cash is old news now that everyone takes card. But there are still plenty of vendors, particularly in certain countries, that only take cash, especially for little purchases ( ..

Six Easy Steps for Getting Rid of Credit Card Debt

Credit360 Inc. - Tuesday, August 02, 2016
Credit card debt is more than just a pain – it can drain your financial resources, negatively impact your ability to borrow money, and lead to a lot of stress and unhappiness. But paying down your debt and taking back your financial independence doesn’t require any special skill or ability: you just need to have the right attitude and take a few easy and affordable step, courtesy of Time Money. First, figure out what you owe. This might seem obvious, but even the most organized  ..

Why Credit Matters

Credit360 Inc. - Friday, July 22, 2016
A big part of what drives our passion for Credit Repair (http://www.credit360.biz) is just how important credit is for fulfilling the American Dream. Having a high credit score and good credit score can unlock all sorts of doors that would otherwise be closed to you. Consider just some of the following benefits of healthy credit: Owning a Home Buying a house is one of life’s biggest milestones, and a path to prosperity and success. But like all great thing in life, it is also on ..

Understanding the Credit Requirements for FHA Loans

Credit360 Inc. - Monday, July 11, 2016
If you are a first time home buyer, you may benefit tremendously from a loan from the Federal Housing Administration (FHA). FHA loans are highly sought after because they offer mortgage loans with lower down payments, lower fees, and numerous other benefits. However, you may struggle to qualify for even these fairly accessible loans if you have a questionable credit history. Recent policy changes now require FHA loan applicants to have a minimum FICO (a.k.a. credit) score of 580 ..

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 ..

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