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Credit scores are influenced by a variety of factors, such as paying bills on time, recognizing credit report inaccuracies and negotiating interest rates. Learn to improve credit scores and credit card debt with tips from the vice president of a bank in this free video series on credit counseling.
There are 20 videos in this series:
Although there's no such thing as a perfect credit score, a good credit score ranges between 700 to 800 points, which can be achieved by paying bills on time and not maxing out credit cards. Learn more about achieving a perfect credit score with tips from the vice president of a bank in this free video about credit card score advice.
Using specific Web sites, apply for a credit card that has low introductory offer rates, low long-term rates and no annual fees. Apply for the perfect credit card with tips from the vice president of a bank in this free video on credit counseling.
Apply for a credit card with bad credit by getting a friend or relative to add you as an authorized user, fill out a co-borrower application or get a secured credit card account. Reestablish credit and get a credit card with bad credit using tips from the vice president of a bank in this free video on credit counseling.
Break a credit card habit by ceasing all credit card charges and using a debit card. Stop paying interest and end the credit card cycle with tips from the vice president of a bank in this free video on credit counseling.
Build a good credit history by paying bills on time and minimizing credit card use. Learn which bills are reported monthly to the credit reporting agencies from the vice president of a bank in this free video on credit counseling.
There are many websites that will check a credit score; however, be careful not to give too much personal information online. Learn what Web sites to trust when checking credit card scores with tips from the vice president of a bank in this free video on credit counseling.
When choosing a credit card, factors include reward points, low interest rates on cash, annual fees and low introductory rates. Discover more about choosing credit cards with tips from the vice president of a bank in this free video on credit counseling.
Use Web sites to get the address and phone number of credit reporting agencies, and contact them through the mail or telephone. Learn about the three main credit reporting agencies from the vice president of a bank in this free video on credit counseling.
Dealing with debt collectors rarely a pleasant experience but being honest and straightforward about resolving the debt is the best approach. Learn about available options to deal with debt collectors from the vice president of a bank in this free video on credit counseling.
Dispute credit report inaccuracies, whether it's fraud or human error, by alerting the credit reporting agencies with the appropriate documentation. Discover more about disputing credit report inaccuracy with tips from the vice president of a bank in this free video on credit counseling.
Repair your own credit by receiving your credit score, highlighting derogatory charges and negotiating payment plans. Repairing your own credit can be very difficult so let the vice president of a bank help you in this free video on credit counseling.
Simple actions, such as minimizing credit card use and negotiating interest rates, can help eliminate credit card debt. Try using a debit card instead of a credit cart and get out of debt with tips from the vice president of a bank in this free video on credit counseling.
Establish credit by having a friend or relative add you on to their credit card or setting up a co-borrower line of credit. Learn about secured credit cards and begin establishing credit with tips from the vice president of a bank in this free video on credit counseling.
Find the best credit card rates by using Web sites that describe the introductory rate, annual fees and interest rates on various credit cards. Learn more about finding the best credit card rates with tips from the vice president of a bank in this free video on credit counseling.
Repair a bad credit reporting rate by negotiating payment plans with collectors and challenging inaccuracies on the credit report. In addition, consider a credit repair company when fixing a bad credit report rating with tips from the vice president of a bank in this free video on credit counseling.
Getting a free credit score is as easy as checking on Web sites and applying online. Get a free credit score with tips from a vice president of a bank in this free video on credit counseling.
To get a lower interest rate on credit cards, make sure to pay all bills on time and negotiate with the company. Shop around and get the lowest interest rate on credit cards with tips from the vice president of a bank in this free video on credit counseling.
To increase your credit score by a 100 points or more, pay your bills on time, dispute inaccuracies on credit reports and pay off credit card balances completely. Increase your credit score with tips from the vice president of a bank in this free video on credit counseling.
Certain factors should be considered when negotiating better credit card deals, such as interest rates, annual fees, damage waivers and special introductory rates. Find out how to negotiate a better credit card deal with tips from the vice president of a bank in this free video on credit counseling.
Settle credit card debt by negotiating affordable repayment terms and asking for discounts. Avoid credit collection companies and learn to settle credit card debt with tips from the vice president of a bank in this free video on credit counseling.
The invention of "credit" as we know it was a milestone in the journey toward re-establishing an aristocracy in the United States. Historically, credit is as old as the idea of a promise and as common as opening a tab at the local bar, but the economic system built on credit currently in place uses a more restricted meaning. An economy based on credit leaves only the lenders free and literally “scores” individuals based on their ability to stay in debt and continually make money for lenders. Many Americans believe a good credit score means simply that a person is responsible and timely in paying off the loans he or she was required to take to function in society. That is only half of it. A person with a high credit score is someone who stays in just the right amount of debt to be a good investment for financial institutions, someone who earns a paycheck that ends up in the pockets of the lending organizations. The economic system of the United States, founded at the birth of the Federal Reserve, borrows money from international banking groups and itself lives on credit. Isn’t it strange that the American market requires one to have “good” credit, i.e. owe money to someone, before this person can borrow more money? In this free video, find out some simple ways to manage credit debt, credit scores and credit cards. Stephen Fawehinmi is the vice president of the Bank of Nashville. With more than 10 years experience in lending, Fawehinmi discusses all kinds of tips to keep a credit score high. Find out how to improve a credit score by performing simple actions every month. Also, get tips for improving credit by more than a 100 points. Curious about how to get out of credit card debt? Let Fawehinmi discuss options to overcome a bad credit report rate. Discover how to apply for credit cards as well. Unfortunately, everyone has to worry about their credit. So, get some tips for managing credit scores today!
Stephen Fawehinmi Stephen Fawehinmi is the vice president of business banking at the Bank of Nashville in Nashville, Tenn. He has been a lender for more than 10 years. Fawehinmi graduated from Cal State Northridge with a degree in business administration where he specialized in international business.dkdk
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