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Glossary of Terms

APR

The interest rate charged on a loan, credit card, or mortgage over a year's time

Annual Fee

The fee charged annually by a credit card company to its cardholders. This amount is added to the cardholder's statement.

Bad Credit

An individual's credit rating is typically considered bad or poor if their FICO score falls below 620. Issues that drop a FICO score to such a level include defaulting on (failing to pay back) loans and credit cards, making payments past their due date, and/or carrying a high level of debt.

Balance Transfer

The transfer of an existing account balance (in part or in whole) to a different account, usually an account held with another creditor.

Balance Transfer Fee

The fee charged by a credit card company when a balance is transferred to one of its cards.

Bankruptcy

A legal declaration of one's inability to pay his/her creditors. In most cases, voluntary bankruptcy is initiated by the individual in debt (the debtor); in rare cases, creditors may file a bankruptcy petition against a debtor to initiate an involuntary bankruptcy.

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Credit Repair

Having a bad credit score can severely limit your financing options and make your existing options less than affordable. If this situation sounds familiar, a credit repair company may be right for you. These companies provide a fast, easy service designed to improve your rating and remove questionable negative items from your credit history. See below for a review of the top 3 credit repair firms and services, along with links to their online consultation forms where you can sign up free. Each company has years of experience and expertise in repairing credit and is ready to help you get started right away.

1) Repair My Credit

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