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Many of our readers and subscribers in US, UK, India and other part of the world frequently email us asking:

- What are Credit Ratings?

- Bankers are denying from giving loans because of bad credit ratings, what should I do?

- How can I protect myself from getting bad credit Ratings?

Here, EquityPandit.com will answer all your queries about Credit Ratings in a single post. If you don’t have bad credit ratings than also go through whole post as anything can happen in future and it’s better to take precautions than to regret.

What are Credit Ratings?

Credit Ratings are personal debt histories or we may say it is a complete biography of your payments regarding credit card or loans you take.

For starters, credit ratings contain all the basic personal information you would expect them to have, such as full name, address and social security number. Any debt you owe will be added to your credit report. Credit ratings include every store credit card you carry, their maximum limit and how close you are to reaching that limit. Payment history is included as well. A clean credit report will show no late payments, hardly any applications for new credit or loans and low balances on existing credit cards. Good credit ratings lower interest rates with banks and credit card companies.

Who look at my Credit Ratings?

When you apply for any type of loans or credit cards, Lenders and credit card companies look to credit ratings for the most specific assessment of whether you are good risks or bad risks.

What circumstances can lead me to bad credit ratings?

Past foreclosures and bankruptcies clearly do not look good on credit ratings. Credit ratings carry negative information for a long time. Late payments, for instance, remain on your credit rating for seven years. Bankruptcies can stay on for ten years. Frequent loan and credit applications are also damaging your credit Ratings

What if I had bad Credit Ratings?

If you have bad credit ratings, No lender, banker or credit card companies would give you Loans, credit cards or any type of credits. But again there are some solutions as you can repair credit by few companies that fix credit ratings you have because of past mistakes.

It’s better to consult a Credit repair company if you also have Bad Credit Ratings.

How can I keep my credit Ratings clean every time?

It’s not hard to keep your credit ratings clean.

- Pay your each month Installments (EMI) on time if you have borrowed any loan.

- Pay your credit card bills regularly.

You can help yourself by checking your credit report annually. Credit ratings sometimes contain information that is out of date, such as your maiden name instead of your married name or an old address. Negative errors can occur, too. These need to be found well before you apply for credit or loans. Credit ratings can take weeks, even months, to correct.

Now get huge profits with EquityPandit.com and along with that huge discounts are also available. This offer is for the first time since EP inception.

You can subscribe to EquityPandit.com premium paid services at the discount upto 33%.

EP Basic package now at Rs.2000 instead of Rs.3000

EP-F&O Special package now available at Rs.3750 instead of Rs. 5000

This offer is only valid for 2 days till Saturday, January 30, 2010  evening. Hurry up & subscribe. Limited registrations. For any query call EP Executive at +91-9909902031

You would be avail with total EP guidance in this falling market and would be able to generate huge profits everyday in this bear Market as EP predict Nifty to fall to 4500 in short period.

EquityPandit has relaunched its one of the most profits giving service- EP-INVESTOR (Earlier name was EP-Delivery Special). This is a premium service for investor and has a excellent track record in generating profits for subscribers. Profits for year 2009 for this package to its subscribers were 387% on total amount invested and if calculated script wise profits rose to 1148%.

The product has proved out to be one of the flagship product of EquityPandit as there was no losses in this product since its inception.

How this Service works?

In this package EquityPandit would suggest you smallcap and madcap multibaggers which would multiply your wealth in small time frame. Most successful investors and analysts believe more in investing than trading and had become millionaire by investing few thousand rupees in the fundamentally good companies at right time. EP-Investor package follows the investment techniques used by these analysts and the stocks they invest in. All recommendations are given after complete research of stock, book value, financial results, expansions, volumes, technicals as well as fundamentals of the company’s stock. EquityPandit would also provide you recommendations during some internal news which is disclosed in public after 15-20 days when stock price are already at top. 

What is medium of EP-Investor recommendations?

All recommendations would be posted on EP subscriber based web portal on Sundays. You would be provided unique username and password. If some opportunity comes during market days, then you would receive SMS for those recommendations as most of investors are not able to access internet during market days.

How much profits can be expected?

In EP-INVESTOR package, profits would be undefeatable and if investor posses patience, than his/her investment amount can be multiplied several times.

More details of this package can be retrieved at www.equitypandit.in

Yesterday: Market opened flat but slipped quickly due to profit booking at these levels.But still manage to close above 4450.

Today: Indian Stock Market is expected to to open positive mainly because of positive global cues but it would be interesting to see whether nifty would cross the level of 4510 n than next target would be 4600 in a day or two.

Note: Stocks to trade for intraday, short-term delivery, long term delivery, short selling and Futures and when to exit those stocks would be sent to paid subscribers live during the market hours through SMS.

BSE Sensex: (15062) The support for the Sensex is 15000 and the resistance to the up move is at 15500.

NSE Nifty: (4469) The support for the Nifty is at 4450 and the resistance to the up move is at 4605.

F&O Cues: FII were net buyers of 321 crore in Index Future and sellers of 391 crore in stock futures.

Results to be declared today: BHEL, Canara Bank, Hind Zinc, IFCI, Mastek, Teck Mah, Wipro, NDTV, Wire n Wireless

Payday Loans is temporary financial instrument that is secured against your future paycheck. Having grown in popularity since the early 1990s as a means to combat NSF fees and late payment penalties, many individuals prefer this financial tool to supplement a temporary loss of income or cover an unforeseen expense over other methods, such using high interest rate title loans or pawn shops.

How Payday Loans Work

Payday loans are short-term cash loans based on the borrower’s personal check held for future deposit or on electronic access to the borrower’s bank account. Borrowers write a personal check for the amount borrowed plus the finance charge and receive cash. In some cases, borrowers sign over electronic access to their bank accounts to receive and repay payday loans.

Lenders hold the checks until the next payday when loans and the finance charge must be paid in one lump sum. To pay a loan, borrowers can redeem the check by paying the loan with cash, allow the check to be deposited at the bank, or just pay the finance charge to roll the loan over for another pay period.

Why to go for payday loan:

When you are in need of a emergency cash, there are several sources in most lives for coming up with this quick cash; you could either borrow the money from friends or family, pester your boss for an advance in your salary, get a cash advance from your credit card, or you could turn to a payday loan to help with your financial shortfall. These last two options tend to be the most commercially popular, but which one makes the most financial sense for you and your situation? Generally, you may want to turn to the payday loan in order to save time, money and stress and avoid obligation.

Save Money

Now we get down to it. You may have heard that payday loans have high interest rates - much higher than credit cards, but that figure is only true if you actually held out a payday loan for an entire year - which no one gets to do under normal circumstances. If you do the math for a $100 loan taken out with a $15.00 repayment fee in 2 weeks, you will have paid $15.00 in interest for a loan, however if you took out that $100.00 as a cash advance on a credit card earning an average monthly interest fee of 29%, it would take you a year to repay the loan at minimum repayment levels.

That is under perfect and optimal circumstances, but in all likelihood you will be taking out your cash advance on a credit card that has a balance, and many credit card companies automatically put the repayment of these advances (at the higher interest rate) at the bottom of your repayment schedule. This means that repayment doesn’t actually begin until you’ve paid off all the items that were on your credit card balance before you took out the cash advance. This means that your cash advance is likely to stick around for a very long time at the interest rate you got it at, very quickly outpacing even the compacted APR percentage you would have paid on a payday loan.

Is really a home insurance necessary?

Home insurance, which is also termed as homeowners insurance is a property or building insurance that takes care of the damages of homes and its assets or items which it contains caused by natural calamities . There is ample number of reasons for people buying or requesting these home insurance quotes online. The aim of home insurance quotes is not only to provide protection to one’s house but to also protect from the liability which may arise from damages done to other people or damage done to other people’s property while inside ones house.

To choose the best home insurance it is important to find out all the information regarding it. One should also enquire about the home insurance quotes available online. For most of the people now a day’s getting a home insurance done is not a sign of luxury but it’s of utmost importance. It’s become a necessity for people to get their house insured. People staying in the regions which are more prone to natural calamities like floods, hurricanes and earthquakes especially for them home insurance has become a necessity

How to decide the coverage package for your home insurance

If you own a home, you probably also own clothing, furniture, and other belongings that are important to you, and are perhaps even valuable. You may have even taken out a loan to pay for your home and its contents.

You need to protect your investment in the case of a fire, natural disaster, or other form of damage. If anything caused a serious amount of damage to your home, could you afford the cost for replacement or repair? A home insurance coverage policy will help cover the costs if your home is damaged due to any of the specified hazards outlined in your policy, usually fire, vandalism, and flooding.

The amount of coverage you choose will not always be the same as your friends and neighbors as it will depend on what your home and all of its contents are worth. However, there are some basic guidelines that you can follow when deciding how much to insure your home for.

When deciding how much to insure your home for, it is a good idea to not only figure out how much your actual home is worth but also your individual possessions, so do an inventory. This will help you loads if you ever need to file a claim.

Ask the representatives about the homeowner insurance policy, in which you’re interested, any other policies he or she may think better fit your needs, discounts, and further steps you can take to get the most accurate insurance policy quote.