What is in a credit score?Do you want to be more bankable?

Imagine yourself applying for a car loan, you have the money and you have the right job to pay the loan back before the due date. However, even if you have the right job and the money for it, you still haven’t been approved for the loan. This will make you wonder why. I myself, considered a newbie borrower for any bank loan  can't easily apply for a business loan, a credit card .I know because I dont have the titles to our residence and lot, or a motor or its my husband fishpond and not mine. Most local banks today demand borrowers to be one year stable or profiting in their business before you can loan, or either you have the proper collaterals for any major loan you will engage into plus a high credit score or a sound credit card report.

 In the United States, having money and having a high salary isn’t everything. You have to consider one important thing that will have significant impact in your daily life. This important thing is used by creditors, such as banks and credit card companies to determine if you will likely pay back what you borrowed from them. This important thing is called the credit score or your credit rating.
If you were delinquent in paying your bills or loans in the past, you should expect to have a low credit score. Everything about your credit history will determine if you will get a high credit score or not. This is why it is important for you to settle those bills or loans on time in order to avoid getting a negative credit report from the creditors you borrowed money from.
For example, if it took you a long time to pay for your credit card bills, the credit card company will issue a report to credit reporting agencies that will state that you haven’t been paying your bills on time, or you still have a debt to pay to their company. This will result in lowering your credit score.
You have to realize the fact that your credit score scale is very important in today’s society. Even phone companies are now taking a look of their future subscriber’s credit score to determine if they will likely pay the monthly phone bills or not. With a bad credit score, just simply getting a phone line hooked up in your house can be a difficult thing to do.
Lenders, such as banks and credit card companies also takes a look at your credit score to determine if you will be approved for the loan or the credit card or not. Having a high credit score will open a lot of credit opportunities for you. People with high credit score have a much easier time when applying for a low interest credit card and also for a low interest loans. This is because creditors are sure that they will likely pay their debts on time.
FICO or Fair Isaac Corporation is the widely used company in terms of calculating your credit score. The FICO score ranges from 300 to 850. The higher your score is, the easier you can have access to low interest loans and credit cards. In the United States, a FICO score of 725.660 is considered as a break point for credit worthiness. Having this number on your credit score is just the starting number on your way to become a credit worthy person.
In order to get higher numbers, you should pay all your debts in time. What this means is that whatever loans or bills you have lying around in your home, you have to pay it in order to gain points in your credit score. If you don’t, then your credit score will continue to decline and will also leave you in a far greater amount of debt.
Always remember that having a good credit score is a must. If you have a 725 credit score, you are well on your way to become a credit worthy person. Increase your score and gain access to the best loan and credit card deals possible.Why not visit Credit Score Scale now for free?

Maximize Your Earnings thru Stock Investing or with Titan Stocks

May 10,2010


Every housewife nowadays will try to complement his husband income even having an 8-hour job.With the skyrocketing prices of commodities , how no one would ever think of investing in other business? One former colleague of mine, a clerk  has tocino,longganiza and hotdogs in her bag to sell with my other colleagues during office hours.Other perhaps has a small store selling all the coffee,shampoo,gas,etc. as  nearby groceries.
But I have nice suggestions that even as a newbie to this stuff, you will consider investing or putting your money into: pennystocks and blue chip stocks within your state and may go global.

PENNYSTOCK VS. BLUE CHIP STOCK

Have you heard of a company called RBTI? AGRT? or Abbott Laboratories? MHYS? San Miguel COrp? Well, the first two are seldom heard of, they're in U.S.The next is found in Philippines, a pharmaceutical.San Miguel Corp. also.RBTI stock,as well with AGRT are not yet established companies.Their earnings are in "the swing" of the market prices impact and their income performance yearly.Pennystocks costs less a dollar.While blue chip stocks costs more than a $.
They are established or in higher income performance levels already. Investing in stocks is great for a working mum,dad,or to those who want to retire early. You may just want to sit reading your newspaper  or watching them on TV , your share of earnings come along every yearend.How much you earned depends on your shares of stocks ,with the stock certificate as your ownership evidence.


Here are my tips where you can maximize your stock investments:



1. Choose Titan stocks that offers stock picks with market prices gaining as much as 200-300% and manage at the same time the monitoring of your picks all throughout the trading day. Titan stocks like RBTI,AGRT,MHYS had doubled their market prices last December trade.
And for those who got those stocks that time, were lucky enough to get the gains.

2. Not only rely on Titan stock to monitor your stock picks.Get a trading robot software "MArl" to monitor the stocks before and during the trading day.The "robot" not only chooses your stock
but also monitor the trends of other stock simultaneously 8 weeks before trading day and do almost everything on the trading day for you.Get it at Daytradingrobot.com.


3. If you are not for pennystocks,then go for the blue chip stocks.Know the available stocks for public at Sharespost.They are like brokers for stocks available there for trade, where you can view a company's background,its earnings performance and buying price.Sharespost also help you get your stock certificate, keep it for you and sell shares you want to sell.At least,you are sure where your money is. In Philippines, whether OFWs or residents, you can have your licensed brokers list thru citiseconline.com.Please visit onlinestocktrading.yola.com.

4. Do not buy those company stocks whose earnings per share are below $4( except pennystocks). They might be on the banktrupcy and you will tend to loose later.Visit Scottrade for more updates of stock rankings and how those stocks performed.

5. Research for more kinds of blue chip stocks or pennystocks or get updates,newsfeeds from
a trading company like GCI trading before you consider investing on one.A trading company
hires brokers for their stocks but you must dig deeper into the company background, developments, earnings and sales performances of other stocks.That way, you have a balanced view with regards to all stocks in the market.