Increase Your Credit Scores, Improve Your Lifestyle Part 1 (2024)

Increase Your Credit Scores, Improve Your Lifestyle Part 1 (1)

Increase Your Credit Scores, Improve Your Lifestyle Part 1 AUDIO BOOK CD build

Audio Book

Audio CD

Bellwether

2006

CD

$28.99

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Increase Your Credit Scores, Improve Your Lifestyle

PART 1 Understanding Why and How You're Scored A There do you start when you want to increase V V your credit scores? In Part 1, Understanding Why and How You're Scored, of the audio version of Increase Your Credit Scores—Improve Your Lifestyle, you'll discover everything from the basics of credit scoring and how the credit sys-tern works to the best places to obtain your credit reports and purchase your credit scores. In essence, Part 1 shows you how to do everything right in order to start the process of increasing your credit scores, and will save you months (even years) of research and trial and error if you attempted it on your own.

PART ONE: Understanding Why and How You're Scored

Chapter 1 How a Couple Purchased a $707,000 Home 11 Months After Bankruptcy (3:36) Chapter 2 Chapter 3 Chapter 4 Who Has the Right to Review Your Credit Reports?
(1:51) Chapter 5 Chapter 6 You Are Scored (1:06) What Is a FICO® Credit Score? (1:55) Chapter 7 What's So Special About FICO Credit Scores? (1:07) The Benefits of Knowing Your Three FICO Credit Scores (1:38) Where to Purchase Your Three FICO Credit Scores (:54) Chapter 8 How Your Scores Compare (1 :47) Chapter 9 How, Where, and Why to Acquire Your Credit Reports (4:41) Chapter 10 Why to Ignore Credit Scores From TransUnionTM and Experian® (1:13) Chapter 11 The Minimum Requirements to Be Scored (2:33) Chapter 12 Which FICO Credit Score Do Lenders Use? (2:34) Chapter 13 How to Know if You Can Get Approved Before You Fill Out a Credit Application (4:31) Chapter 14 How Lenders Use Your FICO Credit Scores (13:06) Chapter 15 Credit Inquiries Are Your Enemy (3:52) Chapter 16 How Are FICO Credit Scores Calculated? (5:16) Total playing time 55:25

For CD Player

WHAT YOU GET:

This item is for the original media, and includes only the media (ie. CD, floppy ...) UNLESS specifically stated above and/or in the title. If more than just the media is included, it will state which items are (ie. box, manual, etc ). Items that come in a sleeve refer to a generic CD sleeve (typically white) and will be sent with shipping protection to avoid damage during transit. If available, we will also send the front and/or back CD inserts if in stock. If these are important to you, please message us to verify we have them available to send. Please do not assume items are included other than what's stated. Again, ask questions

PRIOR

to purchasing if you have any concerns.

IMAGES:

All images/pictures are stock photos and are for reference only, mainly to show the type of game you will be getting. Please read "WHAT YOU GET" for what is included with the media. Screenshots may vary based on your own computer system, video card, monitor, etc.

COMPATIBILITY:

Computers are like people, each one is different. Unlike console games, a computer game may install and work flawlessly on one system but may need adjustments on another. This is due to a variety of factors, mainly the OS platform running, video card you have, drivers, protection software installed, etc. Many times manufacturers release updates to games to fix bugs and add enhancements. We would be happy to help get the game going on your computer, but ultimately compatibility issues are the responsibility of the buyer. We suggest going to Google and searching for the name of the game along with the words "system requirements" to determine if your system is suitable. Ultimately, we are not responsible for software compatibility problems or publisher's errors.

PLATFORM:

Stated within the auction is what platform the game will work on (ie. Windows, Mac, Linux...) This is a generic statement and specific platform versions (ie. XP, Vista...) will have to be researched by the buyer. Games that came out

PRIOR

to XP or higher will not specifically state they will work on that release, but only because they came out before those versions were made. Many, if not most, will work on XP or higher with a few quick adjustments. We provide instructions with all items purchased on how to do this adjustment using the Program Compatibility Wizard. If we find out that an item will definately not work on a specific version, we will state it. For DOS games, you may need to play it with a free DOSbox program if the Program Compatibility Wizard does not work.

64-Bit Windows OS Systems:
For 64-bit Operating Systems, older games most likely will NOT work due to 64-bit systems not being able to run 16-bit programming code (most games prior to 2000). For DOS games, you may need to play it with a free DOSbox program.

Macintosh Systems:
For Macintosh programs, most older games will need to be run in Classic Environment if you have a MAC OS X 10.0 - 10.4 version. Please research Google on how to do this, or send us a message for information prior to purchasing. If your MAC OS system doesn't support Classic Environment (ie. MAC OS X 10.5 or Higher OR Intel Macs), you will have to try running it using the free program called SheepShaver, but compatibility is not ensured. Please research prior to purchasing or ask questions.

MEDIA FORMAT:

Please verify you have the required hardware in order to use the specified media (ie. CD, DVD, floppy drives, etc.) If the item comes as a floppy disc, make sure you have either the needed 3.5" floppy drive or the bigger and older 5.25" floppy drive.

RECOMMENDATIONS FOR A SMOOTH PURCHASE:

  • Ask questions PRIOR to purchasing an order to avoid any confusion.
  • Be patient if there are problems during installation or gameplay. Typically someone else has already ran into that problem and has listed a solution online. Contact us and we will do our best to help.
  • Be sure to update your video card drivers and search for updates to the game from the manufacturer.
  • SHIPPING:

    We typically ship all items out within 1-2 business days after payment is received. In regards to the stated shipping and handling, remember that these costs include more than just postage.

    International buyers please email/chat with us to determine if you are eligible for shipping of a specific product. If you are, then international buyers not shipping to an address within the U.S. can expect their orders to take anywhere from 5 days to 4 weeks to be received, depending on how fast/well USPS is moving. Additionally, international orders typically have to go through governmental customs, which can delay the arrival process. Import duties, taxes, and charges are not included in the item price or shipping cost. These charges are the buyer's responsibility. Please check with your country's customs office to determine what these additional costs will be prior to buying. Customs fees are normally charged by the shipping company or collected when you pick the item up. These fees are not additional shipping charges.

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    Increase Your Credit Scores, Improve Your Lifestyle Part 1 (2024)

    FAQs

    How does your credit score affect your lifestyle? ›

    Credit scoring companies FICO® and VantageScore® use the information in your credit report to calculate your credit score. Your credit score may influence your ability to: Qualify for a credit card, personal loan, private student loan, auto loan or mortgage. Rent an apartment or buy a house.

    How to pay a credit card bill to increase credit score? ›

    Consistently paying off your credit card on time every month is one step toward improving your credit scores. However, credit scores are calculated at different times, so if your score is calculated on a day you have a high balance, this could affect your score even if you pay off the balance in full the next day.

    What is #1 factor in improving your credit score? ›

    1. Payment History: 35% Making debt payments on time every month benefits your credit scores more than any other single factor—and just one payment made 30 days late can do significant harm to your scores.

    Is building your credit the best way to improve your credit score? ›

    Paying your bills on time Is one of the most important steps in improving your credit score. Pay down your credit card balances to keep your overall credit use low. You can also phone your credit card company and ask for a credit increase, and this shouldn't take more than an hour.

    How does a good credit score help you in life? ›

    If you have good credit, banks and lenders are more likely to approve your credit applications. This means when you apply for credit cards, loans or mortgages, you'll be more likely to be accepted and may spend less time waiting to hear the results of your application.

    How does credit have a major impact on life? ›

    A good credit score can impact multiple areas of your life, including your ability to rent or buy a house, job opportunities, loans, and more, so establishing a good credit score now will pay off in the future.

    How to raise your credit score 200 points in 30 days? ›

    Try paying debts and maintaining your credit utilisation ratio of 30% or below. There are two ways through which you can pay off your debts, which are as follows: Start paying off older accounts from lowest to highest outstanding balances. Start paying off based on the highest to lowest rate of interest.

    How to get 800 credit score? ›

    Making on-time payments to creditors, keeping your credit utilization low, having a long credit history, maintaining a good mix of credit types, and occasionally applying for new credit lines are the factors that can get you into the 800 credit score club.

    How do I raise my credit score 40 points fast? ›

    1. Pay credit card balances strategically.
    2. Ask for higher credit limits.
    3. Become an authorized user.
    4. Pay bills on time.
    5. Dispute credit report errors.
    6. Deal with collections accounts.
    7. Use a secured credit card.
    8. Get credit for rent and utility payments.
    Mar 26, 2024

    What habit lowers your credit score? ›

    Having Your Credit Limit Lowered

    Recurring late or missed payments, excessive credit utilization or not using a credit card for a long time could prompt your credit card company to lower your credit limit. This may hurt your credit score by increasing your credit utilization.

    Should I pay off my credit card in full or leave a small balance? ›

    It's a good idea to pay off your credit card balance in full whenever you're able. Carrying a monthly credit card balance can cost you in interest and increase your credit utilization rate, which is one factor used to calculate your credit scores.

    How to ask for late payment forgiveness? ›

    An effective goodwill letter requires the following:
    1. Address the creditor or lender respectfully and thank them for their time.
    2. Clearly explain the situation that led to the late payment with relevant details and/or documentation to support your explanation.
    3. Own up to the mistake without excuses.
    Mar 22, 2024

    What raises your credit the fastest? ›

    Keep paying your bills on time.

    In many credit scoring formulas, your payment history has the greatest effect on your overall credit scores. So, it's critical to make payments on time.

    What is the trick to increasing your credit score? ›

    There are several ways you can improve your credit score, including making on-time payments, paying down balances, avoiding unnecessary debt and more.

    How to pay credit card to increase score? ›

    When you pay your credit card bill early, it might help you earn a higher credit score. Paying before the statement closing date on your account has the potential to lower the credit utilization rate that shows up on your credit report. Remember, lower credit utilization is better from a credit score standpoint.

    What areas of a person's life can their credit score affect? ›

    Credit can impact parts of your life, especially major purchases such as buying a house or a car. It's important to maintain a good credit score so you can qualify for the best terms for loans and credit cards, which can add up to sizable savings over time.

    Can you live your life without a credit score? ›

    It may be possible to live without credit if you aren't already borrowing through student loans, a mortgage or other debt. Even so, living credit-free can be very difficult. Tasks such as finding an apartment or financing a car can become challenging obstacles without credit.

    How will credit affect our daily lives based on your own experienced? ›

    Your credit score will impact you in several ways, some you probably never considered. o Higher interest rates on your mortgage if applying for financing to buy a house. o Being rejected for some jobs if they check your credit score and consider you untrustworthy because you are poor at handling money.

    How does a high credit score affect a person? ›

    “A high credit score means that you will most likely qualify for the lowest interest rates and fees for new loans and lines of credit,” McClary says. And if you're applying for a mortgage, you could save upwards of 1% in interest.

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