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Blog

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 Welcome to Covering You with Wealth blogs. Membership is free make sure you register please. Please be respectful to others as members and in blogs. Make sure you send the moderator a friends request after becoming a member. The blog section is an educational section of the website. Here we like to educate every visitor on the things we work with to help build a better financial future for our visitors.

The blogs range from: debt relief, debt calculator, debt reduction, get out of debt, bad credit, improving credit rating, fix credit, how to fix credit, credit help, what is my credit score, how to get a mortgage, what is a mortgage, how to refinance, credit scores, credit history, how can I get a secured credit card, credit cards for bad credit, what is a secured credit card, secured credit cards, personal loans, small business funding, small business loan, funding for small business, small business lending, loans for small business, financing a small business, financing for small business, small business accounting, and accounting for small business.

Please read and enjoy them and share them as well you will have the opportunity to share them on various social media site.

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Secured Credit Card

Posted by Percy A Lowe on September 28, 2013 at 7:00 AM Comments comments (0)

Credit card is a part and parcel of modern life. The credit card offers us the ease and simplicity to spend money without carrying cash, is versatile and handy to use and provides us the means to establish and recreate our credit rating. The secured credit card is however, not without its disadvantages, the main one being high interest rates charged on it. You have to do your

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Credit Score Range

Posted by Percy A Lowe on September 27, 2013 at 7:00 AM Comments comments (0)

There are countless articles out there that will all tell you different things about what the credit score ranges actually are. This is because every institution decides for itself what these numbers mean to them. That doesn't mean we need to go in blind though! Based on overall reactions we can make some general statements about ranges and what this all amounts to.

Whenever you apply for anything where your finances are...

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A hidden Truth behind Credit Companies

Posted by Percy A Lowe on September 26, 2013 at 7:00 AM Comments comments (0)

Many people these days are monitoring their credit score range very carefully as there have been many changes in the lending environment that may effect their scores in various harmful ways. If you are not monitoring your credit score after this blog you should be monitoring your credit. If you don't have a credit monitoring services please visit: coveringyouwithwealth for a cost effiecent service. Credit compan...

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10 Step to improving and maintaining your credit socre

Posted by Percy A Lowe on September 25, 2013 at 7:00 AM Comments comments (0)

Here are ten tips to raise your credit socre and maintaining your score above the state average.


1. Start with your Credit Report and Credit Monitoring.

    A. make sure you get your credit report from a source you can read well.

    B. get help with reading the credit report and credit monitoring

2. Create a Monthly Expense Sheet

    A. this sheet is used to see how much you have to use to raise your score

  &...

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How to build your credit score part 1

Posted by Percy A Lowe on September 24, 2013 at 7:00 AM Comments comments (0)

Often enrolling into a debt settlement program for one basic reason to seek immediate relief from the requirements of having to pay extremely high monthly minimum payments on their credit cards. Sometimes is the best solution for saving your credit score.

The requirements of having to manage the life needs bills and  minimum payments on

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What is a Good Credit Score vs a Bad Score?

Posted by Percy A Lowe on September 23, 2013 at 7:00 AM Comments comments (0)


The Experian scale runs from 330 to 830. The Equifax scale runs from 280 to 850. The TransUnion scale runs from 300 to 850. The vast majority of people will have scores between 550 and 630. A score of over 700 is usually considered "excellent credit" and will usually get you the most favorable interest rates on loans, mortgages, and credit cards. If the score is in the low 600's or be...

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Knowing where you stand

Posted by Percy A Lowe on September 22, 2013 at 8:00 AM Comments comments (0)

According to the Credit Bureau study in 2012, there are two averages the consumers need to know. These averages are good to gauge yourself off of to know where you are. You have a state average credit score rating an individual average as well. First let’s discuss the state average because it is based off the entire state you live in and those who takes care of their credit. Because that plays a factor into your credit score as well on whom you are being compared ...

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What is a Credit Score?

Posted by Percy A Lowe on September 18, 2013 at 5:00 AM Comments comments (0)

A credit score is a number that lenders use to estimate their risk if they should choose to lend you money.

Experience has shown them that people with a high credit score are usually going to pay them back with little or no problems. Conversely, borrowers with lower scores tend to be a higher risk to them and...

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How is Credit Scores Calculated?

Posted by Percy A Lowe on September 17, 2013 at 5:00 AM Comments comments (0)

The three major credit reporting agencies don't necessarily use the same scoring. So don't be surprised when you see 3 different credit agencies come up with 3 slightly different scores.

Your credit score is a number generated by a mathematical formula based on the information and data in your credit report....

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FYI: On Credit

Posted by Percy A Lowe on September 16, 2013 at 4:00 AM

Have you ever wondered how some people can easily and effortlessly waltz into a bank and walk out with a home loan, car loan, or line of credit, while others get rejected time after time?

Have you ever been puzzled at the complex science behind credit scoring? It is a somewhat confusing and mind-numbing mix of numbers, ratios, and complex algorithms used by our lenders these days to supposedly calculate your risk as a borrower.

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