https://padlet.com/magdalena_balian/zhvpech2qpch Magdalena Balian / Money Matters en-us 2018-06-13 15:01:15 UTC 2025-03-17 13:45:38 UTC hello@padlet.com magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267036030 The purpose of my page is to bring attention to the process of analyzing a credit rating. This information will help you to put special attention in the areas that affect your credit rating the most. Enjoy!]]> 2018-06-13 15:09:54 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267036030 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267040184 This video will bring attention to the five components that affect your credit rating. Paying special attention to those factors will help to understand your credit score and the areas that must be addressed in order to improve your credit rating.  Every time we apply for new credit, it is registered in our account as a " hard hit" which negatively impacts our rating. However, checking your own score does not impact it at all.]]> 2018-06-13 15:33:27 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267040184 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267042685 Equifax is a credit agency. The company collects and keeps track of 800 million customers from all over the world. They offer many products and plans that allow keeping a close eye on your credit rating. Be in control of your credit, your future! Protect yourself against identity theft. Their plans start at $ 16.95 up to $ 29.95 monthly. A great website to visit to further educate yourself on the credit details. ]]> 2018-06-13 15:47:15 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267042685 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267046199 This video will explain the basics on what credit score is and why it's important. It gives you the ranges of acceptable and not acceptable beacon scores. It also tells you about the activities that will lower your score. 
Did you know that your credit score will be impacted if you use your maximum credit available, regardless if you always pay your bills on time? 
Also, any judgments against you will lower your beacon score.]]> 2018-06-13 16:06:09 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267046199 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267052952 Is your credit score low? No worries. There are simple strategies that you can implement today to start improving your beacon score. This video will guide you through steps that will have a positive impact on your rating.
Did you know that paying your credit cards on weekly or bi-weekly bases will increase your score? 
How about utilization of your credit amount?
Watch this video to make your rating soar!!!]]> 2018-06-13 16:48:13 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267052952 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267054544 You can access this website to view your credit and debt. This agency has 40 years experience in credit analysis. You get unlimited access to your reports and alerts in case there are suspicious activities in your account. There is a special offer of $ 4.95 for the first month and $ 19.95  month after. You can cancel at any time.]]> 2018-06-13 16:57:34 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267054544 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267056125 If you want to check your score Credit Karma is absolutely free. It is not the most accurate means of getting your beacon score, but it will provide you with an approximate number.  I would suggest using Transunion or Equifax for most accurate reports. Checking your score won't hurt your credit. They do not share information with third parties for their own marketing purposes. ]]> 2018-06-13 17:07:13 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267056125 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267059768 This is a report you will receive when you use credit karma. It will inform you on monthly bases if there are any changes to your score. It will also produce a graph to keep a record of your score. ]]> 2018-06-13 17:29:23 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267059768 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267061326 Visual representation of importance of different components which have an impact on your credit score.]]> 2018-06-13 17:38:44 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267061326 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267063054 Where are you on this scale? 
This is an explanation of what your score represents. Do you have an excellent or very bad credit ?]]> 2018-06-13 17:49:20 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267063054 magdalena_balian https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267072152 2018-06-13 18:38:29 UTC https://padlet.com/magdalena_balian/zhvpech2qpch/wish/267072152