Credit Report and Credit Score Online

Every Monday we bring you our favorite finds about personal finance and credit from all over the web.

Today you can read about the difference between chapter 7 and chapter 13 bankruptcy, personal finance basics for new grads, if bad credit can ruin your job search, and more!

Personal Finance News

• Get a Discount on Your Investments. Some of us invest in Real Estate and some of invest in Mutual Funds. However, some of us DINKS love to buy individual Stocks of small companies and big corporations. If you like to research, trade, buy and sell your own investments then it is a smart financial idea to open a Discount Brokerage Account.

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We all use our personal credit at some point in our lives whether it’s for buying or leasing our first car, renting an apartment, buying a home or obtaining our first major credit card. 

But when it comes to starting your own business how do you build credit in the company’s name? 

Like most start ups you probably operate as a sole proprietorship and use personal funds and credit to finance the business.

Unfortunately this is a risky approach since you assume total liability for your business and if the company is sued or fails you risk losing your personal assets and good credit ratings as well.

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Wars are won using infallible combat strategy. Likewise, life in this kind of environment is survived through the use of credit cards and the application for home and car loans. That is why low credit scores are such a big blog to a person who depends on a high score to get the best rates from lending companies. Although subprime lending does exist, it is still an unfortunate event when people have to pay for an interest rate 3% higher compared to prime.

But do not despair. Let me share with you a simple strategy that people with low scores can use in order to get the timely loan they need without sticking to subprime rates.

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Senator Dick Blumenthal now seeks a valid explanation from the three credit rating bureaus with regard to the New York Times report that reportedly refers to a VIP list that these bureaus apparently keep while favoring the rich and the famous over the others.

A letter was written on Monday by the Connecticut Democrat to the 3 credit reporting agencies – Equifax, TransUnion, and Experian, regarding the separate system where disputes and errors are resolved much faster and more attention is paid while the other customers should heavily rely on the outsourced and automated systems for customer support in order to correct the errors in the report.

In the letter he stated that he was deeply troubled by the implications that the majority of the consumers were neglected by these companies while preferential treatment was being meted out to the rich and famous. H

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Entrepreneurs play an essential role in reviving a dying economy in recession-stricken places and countries. Because business ventures give employment opportunities to many people, the government is more or less encouraged to fund aspiring entrepreneurs. But not everyone is lucky to have enough funding for their business. Some people have to shell out their own money—which is a major challenge for people who do not have deep pockets.

Credit cards can be a viable option for business-funding needs. It becomes better, more preferred alternative to bank checks because credit card payments are secured by the bank that issued that card. It is also convenient and usable in most stores nationwide, even worldwide. T

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Credit score improvement is not a difficult task, if you are committed to achieve it. Many financial companies have come in market and they share important information with you to achieve best credit score. Today, we are also sharing the same important details.

Credit card payment – Credit card payments can ruin your credit score more than anything else. So, please keep in mind to make the payment on or before due date. Missing even a single payment can create problem for you.

Debt – Debt always makes your credit rating worse. If

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