Articles written by Dale G. Holmes

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About me - Dale G. Holmes

I'm an amateur writer just trying to learn :)

I focus on credit and credit repair. I have no product, program, or service to sell - all the information in my articles and at my blog ( http://dghcreditguide.blogspot.com ) is completely free and supported only

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Personal Finance > Budgets & Saving How to decorate a home office on a budget: 1 of 16
Creating a professional looking home office doesn't have to cost an arm and a leg. One of the great things about modern office style is that it's sleek, simple, and clean. Acheiving this look can also be accomplished easily without spending all the profit that you worked so hard to earn. Here are a few tips:Tip 1: PAINTPaint ... More..
Personal Finance > Credit Cards Tips for improving your credit score and keeping credit cards open: 1 of 13
If you want to improve your credit score first you need to understand how your score is calculated. Trying to improve your score while not having a general idea of how the score is created would be like trying to drive through a foreign country without a road map you will probably get lost and not end up where you want to be.... More..
Creative Writing > Memoirs Testimonies: How I raised my credit score: 1 of 12
Raising your credit score, also called a FICO score, can be easy. My FICO scores were 555, 567, and 594 meaning most of the time I was turned down for new credit and when I did receive it the interest rates were astronomical. I was able to increase each of my scores over 100 points in a little under six months. Those results ... More..
Personal Finance > Managing Credit How to get rid of inaccurate items on your credit report: 1 of 8
If you're one of the many people who haven't checked their credit reports in a while please keep reading. According to recent reports as many as 75% of consumer credit files contain inaccurate items. Inaccuracies, especially ones that are harmful to your credit scores, can lead to higher interest rates on loans and credit car... More..
Personal Finance > Managing Debt Stopping debt-collection harassment: 3 of 13
It often starts with threatening, annoying, and embarrassing phone calls at your home or office. Then collection notices begin flooding your mailbox making you nervous every time the postal courier delivers your mail. Anyone who has had the unfortunate experience of dealing with debt collectors is all too familiar with these ... More..
Personal Finance > Managing Credit How to find out your FICO credit score: 1 of 4
Your FICO score, the credit score used by most lenders to determine your credit worthiness, was created by The Fair Isaac Corporation. There are a few different ways to obtain this score but you also need to be aware that not all credit scores are FICO scores.In the past most people obtained their credit score when applying f... More..
Autos > Buying Cars (Other) Why don't people buy American cars anymore?: 5 of 15
More than most people would like to admit, purchasing a car and the decisions involved in that purchase are emotional. We like to think we are rational, responsible, and reasonable when we buy cars. But are we? More often than not I think we purchase the car that we feel is right for us, even if we know deep down there is a b... More..
Personal Finance > Managing Credit How to dispute or correct information in a credit file: 3 of 8
Research has shown that seven out of ten consumer credit reports contain inaccurate information. This inaccurate information can lead to a number of problems for you including higher interest rates when applying for credit, loss of job opportunities, and even identity theft.The first step in removing or correcting inaccuracie... More..
Personal Finance > Managing Credit & Debt (Other) Identity theft: How to limit the damage if you lose your purse or wallet: 5 of 10
A lost or stolen purse or wallet is something many of us unfortunately deal with at some point during the course of our lives. Reaching for your purse or into your pocket for your wallet and realizing it is out of your possession can cause panic - but it doesn't need to. With a little planning the situation can be reduced fro... More..
Personal Finance > Managing Credit How long do credit inquiries stay on a credit report?: 2 of 4
In the wake of recent events in the banking industry, including the sky high default rate on mortgages, lending standards seem to be tightening by the day. What this means for you as a consumer is you will need even better credit to qualify for the best rates and terms on new loans. An often ignored component of your credit s... More..