Steps to Boost Your Credit Score – By: Joy Mali M

Make sure you have an excellent credit score, as if you are planning a purchase you will need a loan favoring you. Credit is the foundation and deciding factor for whether you will get a loan or not. Bad credit is a turn off for lenders and they will disapprove it.

Following these simple tips can boost your credit score.

Check your credit: You need to be aware of your position to check the errors residing in your credit report and affecting your score. An individual can request a free credit report from each of the three credit reporting agencies. Check your credit file from Experian, Equifax and TransUnion. With supported evidence you are free to raise a dispute about all the errors you encounter.

Challenge inaccuracies: You should raise your concern about inaccuracies and challenge them to get your credit report corrected. If you want to raise a dispute concerning the reports from Equifax and Experian, you can do that online. Full article…

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Free credit reports from 3 bureaus are important for a company or an individual as they help to get loans from the lenders. The lenders will check your credit report scoring thoroughly to make sure that you are eligible for the loan or not. Basically, you credit report tells about your payment history. Hence, it can be easily understood by the lenders that you are capable of paying the interest or not. Now, is there any option or scope to get a free credit report?

According to the federal and state law of USA, you can request a free credit report annually from the three main credit reporting agencies. Experian, TransUnion and Equifax are the three major credit reporting agencies; from each of them you can get a free credit report. However, there is another way of getting a free credit score or report. Full article…

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Photo: Roadsidepictures

If Steve Jobs had wanted to get a great deal on Black Friday, how would he have done it? He wouldnt have camped out all night to be the first one in line at Walmart, or even an Apple store for that matter. No, he would have put the technology he created to good use. And that brings us to the the top 10 Black Friday iPhone apps.

In what has become a yearly ritual, major retailers will be offering incredible bargains on the day after Thanksgiving (and Cyber Monday, as well). If you participate in this madness, then youve probably wondered whether you have in fact found the best deals. To help you sort that out, we have come up with a list of iPhone applications that can move you to the head of the line, digitally speaking at least. With todays technology there is no need to page through multiple newspapers and clip coupons because the special Black Friday deals are literally a click away.

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If the American Express Centurion isn’t enough to satisfy your tastes, if the Black Card just doesn’t quite do it, if the 1% is feeling a little crowded these days, Chase wants you. Not one to let AmEx steal all the glory, Chase’s Palladium card itself takes luxury to an extreme: it is of course made of palladium, and the cardholder’s signature is laser-engraved onto the card with gold. But is this air of exclusivity justified? Or just an elaborate marketing ploy to get customers to pay a sky-high annual fee?

Psst…don’t tell anyone, but we’ve snagged a copy of the Palladium rewards brochure. Click the image below to check it out in all its glory (warning – big download), or read on:

You’d be forgiven for thinking that the Palladium is a bit excessive, especially with its $595 annual fee. But keep in mind

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