Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report

Legal forms service online by Legal Helpmate

Legal Document Preparation Service

legal document service online by Legal Helpmate
  legal information   LEGAL INFORMATION
  legal dictionary   LEGAL DICTIONARY
  Lawyer Directory   LAWYER DIRECTORY

Free Credit report, Credit history basics



Free credit report   Credit Report
Power of Attorney   Power of Attorney
Health Care Directive   Health Care Directive
Revocable Living Will   Living Will
Prenuptial Agreement   Prenuptial Agreement
Revocable Living Trust   Living Trust
Bill of Sale Forms   Bill of Sale
Promissory Note Forms   Promissory Note
Divorce Online Divorce Forms   Divorce Online

menu item
Legal Helpmate Corp. uses industry-standard Secure Sockets Layer (SSL) encryption on all Web pages where credit card and other payment information are required.


menu item   Legal Dictionary
Find Lawyer   Find Lawyer
Discussion Board   Discussion Board
Legal RSS / ATOM Feeds   Legal RSS / ATOM Feeds
Legal Information News   Legal Information & News
My Shopping Cart   Log in to your account
Credit Report and Score<br>Related Legal Information  

Credit Report and Score
Related Legal Information

To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you


Credit history basics

A good credit history is a very important aspect of financial health. It enables you to quickly get the credit you need at the best possible interest rates. Obtaining a good interest rate can save you a lot of money when shopping for a car, home, small business or other major purchase. Having good credit also gives you greater options in choosing a loan, especially on the Internet where lenders compete for the business of credit Consumers. A good credit history can even help you get a job. Employers have learned that people who meet their financial obligations are more likely to be responsible and dependable employees. Simply put, good credit can make much of your personal and professional life easier.
When you obtain credit or a loan, the lender continually reports your repayment history, usually to all three of the nation's major Credit bureaus (one of which is Experian). This repayment history forms the core of your Credit Report, and is what lenders analyze when deciding whether or not to extend you new credit. Credit bureaus only store your repayment history - they take no part in granting credit. That's up to the lenders.
The most important rule for maintaining good credit is to pay your bills on time! Your success at establishing good credit depends on making smart decisions about the type and amount of credit you use, as well as managing your debt so it doesn't get out of hand. It is not only important to pay on time, it is also wise to be sure you can afford to make the payments to pay off the debt. In the case of a credit card, it is smart to go easy with your purchases so you can keep the total amount owed within a reasonable range, even if your limit is much higher. Keeping a lid on spending helps prevent your debt from accruing to an amount you find difficult to manage or cause you to pay more interest than is necessary.
A general rule of thumb is to spend no more than a third of your income on all debt, including mortgages, credit cards and Consumer loans. Try to use credit cards only for purchases that have long-term value, such as furniture, medical care, or emergency repairs. Many people find themselves overextended when they use credit cards for treats like dining out or entertainment. Poorly managed credit can take you deeply into debt and can lead to missed payments and a damaged credit rating.
If you use credit responsibly, you will have the added flexibility and security of credit at your disposal. You will be able to improve your lifestyle through purchases that are usually only possible with credit (like buying a home), utilize services that are sometimes only available if you have a credit card (like renting a car), and have the peace of mind to cover unexpected emergencies.
If you abuse your credit, you may have to pay much more for credit in the future, or you may be unable to purchase the goods and services you want and need.
  Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions   Start to work under Free Credit report, Credit history basics


Understanding power of attorney  

Understanding Power of Attorney
The Power of Attorney can cover simple tasks like writing or endorsing ...

bullet link
Try to avoid probate with living trust  

Try to Avoid Probate with Living Trust
First of all, what is probate? We've heard various things about probate and we pretty ...

bullet link
Marriage is good for men  

Marriage is Good for Men
Men who become widowed or divorced may lose more than a spouse. They are also likely ...

bullet link



Thanks for the quick service! I am very impressed with the speed and quality of your products and service. My husband is stationed in San Antonio, TX and I am trying to move us from NC to TX by myself- this power of attorney helped tremendously with so little complication! Thanks again!
Kimberly S., TX


Thank you so much. I appreciate your service and will continue to do business.
Didi S, NC


In a minite I got the power of attorney I need. Incredible website. Will use again.
Nicolas G., PA


Thanks for your prompt responce. Did not even expect you to be that quick and attentive. Your customer service is superb.
George A., NY


Thank you for your service, you just earned a customer for life.
Ms. Dove, OR