Sterling Credit Solutions - Sterling Credit Solutions

Many Americans are in the same situation with their credit and credit score, what you do about it will separate you from the rest.

Sterling Credit Solutions was established in 2009 to provide credible information to help consumers make educated decisions on how to improve their credit.

You have most likely asked yourself, "How can I improve my credit score and where do you get started?"

I developed this website to give you unbiased and easy to understand information to improve your credit or credit score. The site has everything you will need for just about any personal credit problem (Bankruptcy, Foreclosure, Credit Collections, Improving your Credit Score, to Repairing Credit reports.

Even if you have good credit and want to improve your credit score; you have found the one place with all the answers.

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(No personal information will be collected.)

You can not improve your credit over night but I have found ways to improve my credit and I was able to see a difference in my credit score in just 90 days. If you continue to tackle the issue from multiple aspects, you will see a significant improvement in your credit within the first year.

You can do this on your own as I did, or you may need some help from low cost professionals that will keep you on track to improving your credit and credit score.

Before you jump into to improving your credit, you should understand how credit works and what actions affect your credit score.

Sterling Credit Solutions has created a section devoted to credit education that is filled with credible information from reliable sources. I have taken the time to research each aspect and included them here. Every month there are changes to the government laws and credit institutions that will affect your credit along the way. It is important to keep up with the changing credit environment as you work to improve your credit, which will in turn improve your livelihood.

You may want to jump to other specific needs as well, using the Quick Launch icons below or start with the three basic ways to improve your credit score. Click on one of the options below to get started.

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	Join Here Now Access if FREE Just enter your name, a password, and your email address for authentication. (No personal information will be collected.)

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How will your change in credit card interest rates impact you?

September 1, 2011

If you happen to miss a payment on your credit card or any other loan it may impact your credit card interest rate. If you owe about $1,000 at 11% interest it will take you 73 months (6 years) to pay it off and $320 in interest. but when your credit card company increases your interest rate due to a late payment, even if the late payment is not that credit card, they can increase your rate to a penalty rate. Let's say that rate is 19.9% (some states allow up to 29.9%). It will now take you 100 months to pay off your balance (8.3 years) and $860 in interest.

It pays to pay your minimum payments on time.

FREE Credit Scores for Prospective Borrowers or NOT.

September 5, 2011

It has been just over a month since the new Federal credit score disclosure law went into effect. Lending institutions have already found loopholes to keep from disclosing your credit score when you are denied credit, loan, or if you received less desirable terms because of your score. According to SmartMoney.com there are time you may not get a credit score. These are usually when banks use their own in-house credit scoring system. There are other ways to get your credit score that will not impact your credit rating by going to MyFICO.com Click here for more information.

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