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New Goal for Your New Life Together: Becoming Credit-WiseMany people planning to be married take time to reexamine financial priorities, set a new budget, and establish savings or debt reduction goals. Being credit-wise consumers means realizing that managing your credit requires similar planning and care-and doubly so when you are entering into marriage. Think about your special personal and financial goals for the coming year. Are you planning a major purchase or a trip abroad? Are you working to establish financial stability and security? Since good credit takes time to build, planning for your future together should include checking your credit report. This is a great time for each of you to request a copy of your credit reports and look them over--not simply for inaccuracies, but for ways you might improve your overall credit status. Many of life's major changes, such as marriage, can impact your credit, but keeping these credit-savvy tips in mind can help you keep and build your credit together, so it's always available when you need it. Your Marriage and Future Getting married brings many financial opportunities to couples who can combine their resources. As you plan your wedding day, plan for your future too and take these steps to keep your credit in tip-top shape. Notify creditors and credit bureaus if you change your name. When you change your name at marriage--or any other time--it's important that you make sure your creditors and the credit bureaus are notified of the change. Otherwise, you might lose your credit history. Keep credit in your own name in addition to joint accounts. Women especially must take care to keep some credit in their own name. (e.g. "Jane Smith" rather than "Mrs. James Smith"). Every year women who have never paid a bill late are denied credit because they have no credit history in their own name. If either you or your spouse-to-be has had trouble getting credit alone, try setting up a joint account to capitalize on your shared income and/or one person's stronger history. As your joint account history grows, you should each acquire and maintain an account of your own as well, to establish your credit on an individual basis. As you establish individual accounts, you might close some extra joint accounts, keeping only those you actually use. If you anticipate making a large purchase with one of your credit cards, you might want to request a credit line increase now, so you know the credit is available when you're ready to buy. Building Good Credit Together When you apply for credit, the lender will undoubtedly check your credit report. The information in your credit history helps lenders decide how much credit and what interest rate you are eligible for. The better your credit history, the more likely you are to qualify for the best credit deals, including rates on a mortgage. But what will creditors be looking for? Pay Your Bills on Time Creditors always look for indications that the prospective borrower is a good credit risk: a person who will pay back his or her debts in a timely fashion. Obviously, a history of on-time payments demonstrates that you are just such a person. But that doesn't mean your credit history must be perfect for you to qualify--few people's are, after all. "Good" credit can include a few minor dings in your report, such as up to two credit card payments 30 days late or one installment payment, such as an auto or student loan payment, 30 days late. No payments of any kind should be more than 60 days late and there should be no outstanding public record debts such as judgments or liens. Keep Your Debt Load Reasonable One factor any creditor must assess before offering credit is the total debt of the person applying. If a large portion of your income each month is already committed to paying off other debt, the lender will wonder if you may have trouble paying back an additional loan. As a rule of thumb, financial experts say that non-mortgage debt payments should not exceed 10-15% of your take home pay each month. If your debts are currently too high, consider ways to pay some down before you apply for new credit. Avoid Unnecessary Inquiries Whenever you authorize a creditor, employer, or other business to check your credit report, an "inquiry" is added to the report itself--a note that someone has checked your credit. An inquiry usually stays on your credit report for two years. A lender considering you for a loan will look at the number of inquiries recorded there and when they took place. A large number of inquiries occurring in a short period of time may be interpreted as a sign that you are either applying for lots of credit because of financial difficulty or overextending yourself by taking on more debt than you can actually repay. (Checking your own credit report, however, does not impact your credit rating.) Therefore, it's always a good idea to minimize inquiries into your credit report. If you're shopping around for mortgages, for example, don't let every lender you consider run a credit check. You might have to settle for slightly more approximate estimates on what the lenders can offer you, since they can't verify your credit history. But that's still better than doing all that shopping around only to find that the lender of your choice now perceives you as a less solid credit risk and wants to charge a higher rate. Eliminate Excess Unused Credit Just as a high number of inquiries suggests you may be overextending yourself, a lot of available credit means you have the capability to overextend yourself in the future, even if you have not done so in the past. Although people may perceive having several credit cards with high limits a sign that they have good credit, too much of this good thing can make them seem like a poorer credit risk. The lender needs to be reasonably sure that you will continue to be able to repay your debt in the future. But if you have thousands of dollars of unused credit available, you might spend it all the month after your loan goes through and suddenly have more debt than you can pay off. To prevent this concern from arising, you should close unused credit accounts before applying for a large loan, and/or consider having your credit limits reduced. If you do either of these things, make sure to ask the creditors to record that the account was closed or changed at the consumer's request--you don't want anyone to get the impression the bank closed the account because of problems with your payment habits. Of course, as with most worthwhile plans, building good credit together requires a long-term commitment. So set your credit-wise plans for your new life together in motion now and stick with them. By doing so, you may reap the benefits of that commitment for a long time to come. Click Here. | ||||||||||||||||||||
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| The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report! While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today. In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city. Located in the true southwest, Tucson, Arizona mixes city life with desert serenity. With over 120 parks, dozens of museums and a nightlife able to keep up with any big city, Tucson has something to offer for everyone. A rich and storied past peppers Tucson with historical monuments, destinations and attractions including the famous Presidio, St. Augustine Cathedral and Mission San Augustin. First visited by the Paleo Indians over 12,000 years ago and incorporated into the United States by the Gadsden Purchase in 1853, Tucson has a multi-layered tale to tell to travelers and locals alike. Discover Tucson’s heritage and its heart. Tickle your historical taste buds at the city’s many museums, with artifacts dating back to the earliest settlers, and participate with locals during Tucson’s more contemporary traditions, such as the Tucson Rodeo and Folk Festival. There is nothing superficial about Tucson—it’s a city with a proud past and far-reaching future. Arizona is home to the Grand Canyon, one of the seven wonders of the world, and is situated in the beautiful Sonoran Desert. Arizona provides a rich history and culture, breath-taking scenery, arts, entertainment, sports, and a climate that is varied enough to accommodate any type of outdoor recreation, no matter what the season. With over 300 days of sunshine a year, it’s no wonder people travel here from all over the world to enjoy the perfect weather. Whether it’s hiking the Grand Canyon, rafting down the Colorado River, skiing the slopes of the White Mountains, or just relaxing by the pool, there is something to do here all year long. And with venues such as Phoenix Sky Harbor International Airport, Tucson International Airport, and Scottsdale Municipal Airport, experiencing all that Arizona has to offer is quick and easy. The rich, Native American culture, and history of famous Arizonans such as renowned architect, Frank Lloyd Wright, makes for an entertaining, yet educational experience. Southern Arizona offers a rich history of the “Old West,” with its western towns, guest ranches, and stunning sights such as Karchner Caverns. Sports fans will delight in watching a live game of the 2001 World Champion Arizona Diamondbacks, or the NBA Phoenix Suns. Central Arizona offers a wide variety of entertainment options such as five-star resorts and spas, casual indoor and outdoor shopping malls, up-scale shops such as the Arizona Biltmore, quaint restaurants, golf courses, art galleries, museums, antique stores and more. So whether you are looking to surround yourself in a little western history, or just want to relax and have some fun, Arizona is the place to go.
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