Tag - CreditSmart

Credit Report and Credit Profile

All About Your Credit Profile

Keeping tabs on what’s happening on your credit profile is possibly the single most important aspect of effectively managing your credit. Gone are the days when you only heard about your credit profile when applying for credit. Access to your credit information is so easy nowadays that there simply would be no excuse for not knowing the status of your credit profile. Your credit profile contains all the information about how you manage your credit facilities. Payment History, Defaults, Judgments [...]

Debt Hangover

Avoid a debt hangover by applying these three simple rules

Applying for a loan or a credit card can be exciting. Having extra cash available for your holiday or an unplanned shopping spree can be exhilarating but every high unfortunately will end in a low. In this case the low comes in the form of a monthly payment usually in the shape of a debit order and the money you spent in a matter of weeks will now take years to repay. Symptoms of a debt hangover may include – [...]