Save Money and Lower your Payments by Improving or Repairing Your Credit

Having a better credit score not only represents easier access to money from lending institutions, but more importantly represents instant money in your pocket.

This probably sounds like something obvious for most of people, but it isn't until you start thinking in terms of real examples and real dollars that most of us start to understand the magnitude of the benefits associated with a good credit score.

For example, let's say that John, with a credit score of 640 wants to buy a house with a 20% down payment. At the same time, Terri who has a credit score of 720 wants to buy the same house with 20% down also.

Did you know that John, will be paying $108,600 more than Terri for the same exactly house? (assuming a $200,000 sale price with a 30 year mortgage).

People with credit scores of 720 and higher are more likely to retire younger and wealthier, because they will have to pay less money to acquire goods like their home, cars, etc; than someone with lower credit score.

Getting a credit score of 720 is not as difficult as credit institutions make it sound. There are proven techniques and guides that can help you achieve that goal.

Copyright © 2005 Excellentcreditnow.com All Rights Reserved

Carmen Shearer is the President and CEO of S&S Financial Services. She has worked in the finance arena for over 10 years and holds two engineering degrees and an MBA from a branch of Harvard Business School. S&S Financial Services offers you credit repair tools and information with a lifetime guarantee. For more credit related information go to: http://www.excellentcreditnow.com

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.financialpost.com/story.html%3Fid%3D1021651cid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNG7iGffAW75vxtDkW-Cghs8EyVEbgimg src=http://news.google.com/news?imgefp=OAuv2e0zqVkJimgurl=a123.g.akamai.net/f/123/12465/1d/www.financialpost.com/1021665.bin%3Fsize%3D404x272 width=80 height=54 alt= border=1brfont size=-2Financial Post/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DaggQzWgfmJYQ%26refer%3Dnewscid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNF2qlCc4O1BryyQl-JNafg-5ZTl6wFord Motor Asks Congress for $9 Billion bCredit/b Line (Update4)/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-12 (Bloomberg) -- Ford Motor Co. asked Congress for a bcredit/b line of as much as $9 billion, saying it expects to break even or be profitable before taxes in b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200812021257DOWJONESDJONLINE000528_FORTUNE5.htmcid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNH63UQ8mHzkx6NJY7ecmrrKm2snvQUPDATE: Ford Asks For $9 Billion Backstop Loan; Aims For #39;11 Profit/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dcexaminer.com/opinion/blogs/TapscottsCopyDesk/Easy_Credit_Isnt_So_Easy_Anymore_120308.htmlcid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNGOBpXItjXQGpeUCDmuoRCEK8VgwAEasy bCredit/b Isn#39;t So Easy Anymore/a font size=-1 color=#6f6f6fnobrWashington Examiner/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.motortrend.com/6366593/government/is-ford-the-best-and-the-brightest-blue-oval-asks-for-9-billion-credit-line/cid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNHURo4fwx4uSikdIyu4KsybO_PKeAIs Ford the Best and the Brightest? Blue Oval Asks for $9-Billion b.../b/a font size=-1 color=#6f6f6fnobrMotorTrend Magazine/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kentucky.com/589/story/612553.htmlcid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNEdCiVS1IRZ09Ri71Ph4gcuz2ToAQnobrKentucky.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/bondsNews/idUSN0219369920081202cid=1276761658ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNF6uKdiEbf8P2s2KHOb_jq8rNzcVgnobrReuters/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276761658hl=ennobrall 2,116 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Philip-R-Johnson-Bank-Credit/story.aspx%3Fguid%3D%257B8B6BD7E8-E2E3-4439-B8FC-52254592DB0E%257Dcid=1276827417ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNGCGFLuMCYpsL60xT9jHwDDJZDQqAPhilip R. Johnson, Bank bCredit/b Expert, Joins Pacific Coast b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1announces the appointment of Philip R. Johnson as Senior Vice President/bCredit/b Administrator, effective November 17, 2008. quot;We are very pleased to have Phil b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/personalfinance/articles/2008/12/02/credit_card_companies_to_pare_lendingcid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNFJvEq-1fuPojHCYsV2WlPLEYKbegimg src=http://news.google.com/news?imgefp=zA1ouGwEKnsJimgurl=cache.boston.com/resize/bonzai-fba/Globe_Photo/2008/12/01/1228186036_6490/300h.jpg width=75 height=80 alt= border=1brfont size=-2Boston Globe/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/personalfinance/articles/2008/12/02/credit_card_companies_to_pare_lendingcid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNFJvEq-1fuPojHCYsV2WlPLEYKbegbCredit/b card companies to pare lending/abrfont size=-1font color=#6f6f6fBoston Globe,nbsp;United Statesnbsp;-/font nobr13 hours ago/nobr/fontbrfont size=-1NEW YORK - bCredit/b card companies will reduce lending by more than $2 trillion over the next 18 months in a dangerous and unprecedented move for US consumer b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nationalledger.com/ledgerdc/article_272624044.shtmlcid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNHg3OHkvBN0VUfN4q7rSQratexXywbCredit/b Card Limits Cut, Accounts Closed: Industry May Cut $2 b.../b/a font size=-1 color=#6f6f6fnobrNational Ledger/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da1KBBJn8ORc4%26refer%3Dhomecid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNHd8GZWjf93VOhw1QsQ312Di-pXtgUS Consumers Seen Facing ‘Liquidity Squeeze’: Chart of Day/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.consumeraffairs.com/news04/2008/12/credit_card_cutbacks.htmlcid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNECUxkw4vLmnkQjZhYktWRXbuhDsAIndustry May Cut $2 Trillion in bCredit/b Card Lines/a font size=-1 color=#6f6f6fnobrConsumer Affairs/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloggingstocks.com/2008/12/01/next-target-for-fear-mongers-credit-cards/print/cid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNHQxl8dkhfWTerCkFLMfnCnhi60VwnobrBloggingStocks/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.domain-b.com/finance/banks/20081202_credit_card.htmlcid=1276652801ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNFZkntkCoj3MR0-61IT7PGQOeRBrgnobrdomain-B/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276652801hl=ennobrall 18 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/12/02/markets/bondcenter/credit/%3Fpostversion%3D2008120211cid=1276903014ei=Mo81ScryNZXM8ATs3fwtusg=AFQjCNFqXAoGE8N4ch6GcSOJBO3IRwlI_AbCredit/b market pressure eases slightly/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1NEW YORK (CNNMoney.com) -- The bcredit/b market showed slight signs of improvement Tuesday as lending rates eased and investors expected European central banks b.../b/font/div/font/td/tr/table
credit - Google News


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