Credit Score

Nine Year Mortgage knows that it is easy to get caught up in all of the financial “options” in this day and age. However, there are some choices that could send you into a financial downward spiral. Here’s a look at what Nine Year Mortgage thinks are the top ten unwise debt choices this year.

Nine Year Mortgage: Are financial plans just for the rich?? Many Americans assume that financial planning is only for those who have so much money spilling over that they do not know what to do with it. This is the opposite of the truth. Financial plans are for everyone, but unfortunately most people do not […]

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With today’s low interest rates, the last thing you want is to find out you don’t qualify because your credit score isn’t high enough. In today’s economy, there are some surprising things that can work to lower your score. 9 Year Mortgage presents ten things that you will want to avoid in order to keep your credit rating high.

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9 Year Mortgage recognizes that no one is perfect and as you strive to become in control financially, you may slip up from time to time. While you may feel remorse and guilt for the mistakes you have made with money it is important to move forward. 9 Year Mortgage invites you to focus on the positive instead of beating yourself up; here are 5 ways to move on after a bad financial decision.

 9 Year Mortgage discusses how to balance financial obligations in marriage Despite most relationships having a primary breadwinner it is still wise to develop both partner’s credit history and financial security. In many situations women make less in the work place than men and become stay at home moms when the couple begins having children. […]

9 Year Mortgage Shares The 6 Biggest Credit Card Mistakes you Should Avoid There’s a good chance that most of us have made at least one of these credit card no-no’s but, Nine Year Mortgage advises that you avoid making any of these mistakes in order to protect your credit score. 1. Paying your bill […]

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In cultivating your credit score flawlessly I’m sure you’re the type of person who pays on time, and never leaves an outstanding balance, am I right? In your mind you’re golden! …Or are you. This may come as a surprise but these are not the key components to a superb credit score. Many consumers like you are unaware of what makes their credit scores move up and down.
Obviously you understand that the money that you spend and pay off per month in relation to your available credit effects your score but what you may not have realized is that they calculate your score from your total on your statement date and not the due date. You could have a balance that you don’t even know about which in turn hurts your credit, all the while you are unaware.

Here’s a little advice from 9 Year Mortgage on how to revamp your credit scores to what you want them to be while avoiding making those small decisions that can hurt big time.

9 Year Mortgage - FICO

If you’re worried about your credit score, join the club! As you know, it takes one minute to hurt your credit score and normally years to repair it. You may be in a better financial situation now than you used to be, but somehow your past two years of prompt payments has done little to raise your credit score. For years, credit repair clinics have been assisting clients who find themselves in this same predicament by using a method called “piggybacking”. In the following passage, 9 Year Mortgage will continue to discuss what this “piggybacking” entails as well as what the new FICO 08 program does to stop such actions from occurring.

9 Year Mortgage believes that one of the bigger challenges for parents of college students is teaching them how to handle money. A checking account is a necessity, as is some kind of budget for books, supplies and living expenses. Then there is the big one…credit. So how do you go about getting a credit card for a college student and what are your best options, so that they don’t rack up a ton of debt? Read on and 9 Year Mortgage will give you some suggestions.

Each year one in every 20 Americans is at risk of identity theft, in the end affecting millions. Did you stop to consider that a part of those effected by identity theft are those under the age of 18, especially children? In the past year there were nearly 20,000 reported cases of identity theft occurring in the lives of young people in our nation. 9 Year Mortgage has become aware of the growing trend of stealing young children’s identities and would like to share with you the reasons behind this monstrosity and precautions that you can take to ensure the safety of your child’s financial future.

The promise of a free credit score may no longer be a marketing ploy now that a new financial reform bill has changed how the credit reporting system works. You will now be entitled to an explanation from lenders who offer you sky-high interest rates or deny you all together. Read on and 9 Year Mortgage will let you know what else to look for.

The next time you find yourself being asked by a sales clerk to sign up for a credit card, 9 Year Mortgage advises you to stop and think about your commitment to such a card. Can you afford to lose a couple points on your credit score? Will you be able to pay off your entire balance every month? Will you actually take advantage of the member benefits, or let them slide by?

9 Year Mortgage realizes that credit card debt can be a heavy burden on even the strongest shoulders. It piles up day after day almost imperceptibly! After a few years you find it hard to make anything more than the minimum payment. All the while you hate seeing that the interest is racking up, leaving you feeling financially depleted—like there is nothing you can do to get back on top again.