Archive for March, 2009
Talking about credit is about trust. The Credit Bureau of the United States is composed of three companies:
Equifax, Experian and TransUnion, which each generate a score, in order to qualify people and define what is your level of credit. The specified credit report and reports on current and past payments, delays or fully paid. Besides reports on balances of all accounts. Reports on the public record, attachment, maintenance of their children, pay taxes or bankruptcy, and other additional details.
If you have no credit history as you suggest you should build an alternative credit:
Must demonstrate that you have fully paid rent, so that the energy, telephone, gas, phone, car insurance or any similar expenditure. A good recommendation is that you should keep the checks for these payments, so that receipts. In addition you must have a lease to your name and where necessary the call letters to insurance companies, phone, power, gas, etc. for the purpose of constructing fine alternative to use your credit for the purchase of your property. You can also apply for secured credit cards that banks have available to you or enter any account as co-signer. So start building your credit in the United States.
I’m going to show the disadvantages that affect the credit:
1. Paying bills after the deadline.
2. Accumulating too many cards with high balances, even when fully paid.
3. Duty more than 50% of accounts receivable or the like.
4. Paying less than minimum
5. Have overdue accounts and deliver it to a collection agency
6. Judicial
7. Have bankruptcy Read the rest of this entry »