Credit Report and Credit Score Online

**Today’s guest post is contributed by a credit-savvy recent grad!**.

While college was meant to prepare us for the real world, recent graduates have to come to terms with a new reality: we are crippled with student loan debt, job-hunting in a jobless economy, competing for interviews with others just like us (plus the still-unemployed graduates of last year), and sometimes must consider moving back in with parents to make ends meet.

Interestingly enough, according to Sallie Mae, about 84% of undergrads have at least one credit card. If you fall into this percentile, congratulations–you are establishing your credit! But

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One of the most important steps you’ll take when you start a new business is picking a business name. While the majority of us tend to focus more on choosing a catchy name to give us that edge in marketing there’s much more to it that you should pay careful attention to.

When you choose a name for your business, avoid these three mistakes:

Mistake #1: Picking a business name strictly for marketing purposes.

While the sound and spelling of a business name as well as the availability of a dotcom play a key role, don’t let this be the single factor that drives your decision.

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**Today’s guest post is contributed by a new-to-credit college student!**.

Credit card language is scary for the first-time cardholders like me.

Principal? Fixed Rate of Interest? Default rate? Oh my!

Yet these mysterious terms can be mastered and the average young person, like myself, can become a king or queen of credit! Or at the very least, new-to-credit consumers and college students need to be responsible users of credit.

Underneath the Plastic

At first, I didn’t see the difference between a debit card and credit card. I mean, it seemed that the same machine swipes either debit or credit in stores. But

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Credit cards offer consumers a number of features, such as the ability to enroll in return and purchase protection, that can help them mediate disputes with retailers. Another benefit to paying with a credit card is a chargeback, a feature that allows customers to dispute and stop payment on purchases that dont measure up to the customers expectations.

However, this consumer protection could soon be in dispute itself.  U.S. Digital Transactions Corporation is rolling out a chargeback recovery service designed to help merchants recoup disputed funds, Consumer Affairs reports. U.S.

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Understanding is very important when it comes to credit report score. Your credit score or rating is used by many companies and people, like lenders, banks, mobile phone companies, landlord etc. All these people perform credit check on your name just to find out your credit risk. Bad credit report means you are a risky borrower as far as money is concerned. Hence, lenders decline your loan application and don’t lend you any cash.

Even, rate of interest and APR of loan depends on the credit report score of individual. So, it is important to keep close eye on your score and report. Now days, many organizations and companies have started checking the past credit record of people before hiring them. H

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Rental history has gone unnoticed on credit reports for years. Families all over the U.S. have been making their rental payments on time with no credit toward their credit reports. Experian recently announced that they would be adding rental history to their reporting and will be the first major credit bureau to do so.

There are roughly 103 million Americans currently renting. According to Experian, with that many Americans the Bureau felt it was necessary to give those renters credit for their good history. In the past only negative history made it on their reports and now they will report the positive history.

In the world of mortgage a good rental history is never counted as good credit like a credit card history on your credit report..

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