Are you aware of the things that can badly hurt your credit score? Do you know the specific remarks that you should avoid seeing in your credit report? In this article, we’ll talk about the most damaging things that must never be found in your credit report. Be aware and take the necessary actions to avoid all them. Overdue Bills. Take a look at the credit history section of your credit report. Are there records of missed payments and past due bills? If yes, you can bet that it will be lowering your credit score badly. Don’t forget that your payment habits make up the 35% of your total credit score. One delayed payment can significantly cause your credit score to drop by a hundred points or more. To avoid incurring late payments, what can you do? Usually, creditors give at least 21 days before…

With the recent economic slump, prepaid phones are certainly more in demand these days. Those who do not want to commit themselves with a long term contract or who cannot qualify for a post paid plan because of bad credit history can apply for a prepaid cell phone service. If you are planning to get a prepaid phone, what are the things that you should consider? Is a prepaid phone plan really the best choice for you? Should you subscribe to a post paid or switch to a prepaid wireless phone service? In this article, let us discuss the advantages and disadvantages of prepaid wireless phones over their post paid counterparts. Prepaid Phone Advantages Lower your monthly bills. You can significantly lower your monthly cell phone bill since prepaid phones limit your usage to the amount of credit available in your account. Pay as…