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Consumers Can Keep Their Credit Score Intact During This Season Despite Projected Spending Increases

(EMAILWIRE.COM, November 01, 2012 ) Los Angeles, CA -- In a new report released by the site, editors on the site have put together 6 tips on how to keep one's credit history in check during the upcoming holiday season. Retail spending is set to rise above last year's, and many may be tempted to stretch their credit this holiday season.

To help it's readers, the site has released this report of tips and considerations to bear in mind as we enter into the holiday season. The goal is to keep our credit in check through a few easy to implement tips, so that we can begin the new year fresh with a good credit history.

According to the National Retail Federation, retail spending is expected to go up by 4% this year. For online sales, the increase is even more dramatic at 12%. This is inspite of the lackluster employment market and an economy that is moving sideways. It is understandable, however, that many still want to celebrate the holiday season well, and spending is an inevitable by-product.

There is the expected temptation to want to spend fearlessly during this season on purchasing gifts and gourmet food items. The site advises its readers to plan carefully. The main reason is that one would probably not want his or her credit score to become tainted and downgraded needlessly.

When January 2013 rolls around, having bad credit is not a good situation to start the new year with. This is especially so if one may be thinking of applying for loans and housing, which will likely require that applicants pass a credit check. More and more employers are also setting up policies that require job applicants to pass through a credit check before an employment offer.

One of the tips are offered is about getting current on one's bills as we plan our holiday budget. Many of us have a tendency to delay paying off necessary bills, especially when money is tight. The problem is that late bill payment can affect our credit scores greatly. Another tip offered is to shop early and comparison shop before purchasing gifts and food items for the holidays. This can lead to substantial savings, and decrease our dependence on credit.

While these tips are written with increased holiday spending in mind, they are also helpful for readers who want to maintain a good credit report during other times of the year. Interested readers can check out more tips on this page:


The site is an internet resource focused on presenting informative and easily understandable commentaries that relate to FICO credit scores and reporting. Readers can find tips and guidance on what's a good credit score. There is often confusion about these ratings, as there are in excess of 1000 different credit scoring models and ranges used by institutions.

The web site resolves this mental confusion through coherent illustrations to help its users understand how they rank in regards to common measures of credit merit. Visitors have the ability to uncover information as to how credit ratings are calculated, utilized by financial institutions, and why they are vital. For one who is not delighted with his or her credit score, the site also offers posts on what procedures they can undertake to increase their credit scores. The site also gives an explanation of credit scores as they relate to specific forms of loans, such as for buying a house. Interested readers can find out more here:
Crystal Cervantes
(951) - 892 - 9800


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