Many people planning to be married take time to reexamine financial priorities, set a new budget, and establish savings or debt reduction goals. Being credit-wise consumers means realizing that managing your credit requires similar planning and care-and doubly so when you are entering into marriage.

Think about your special personal and financial goals for the coming year. Are you planning a major purchase or a trip abroad? Are you working to establish financial stability and security? Since good credit takes time to build, planning for your future together should include checking your credit report. This is a great time for each of you to request a copy of your credit reports and look them over--not simply for inaccuracies, but for ways you might improve your overall credit status.

Many of life's major changes, such as marriage, can impact your credit, but keeping these credit-savvy tips in mind can help you keep and build your credit together, so it's always available when you need it.

Your Marriage and Future
Getting married brings many financial opportunities to couples who can combine their resources. As you plan your wedding day, plan for your future too and take these steps to keep your credit in tip-top shape.
Notify creditors and credit bureaus if you change your name. When you change your name at marriage--or any other time--it's important that you make sure your creditors and the credit bureaus are notified of the change. Otherwise, you might lose your credit history.

Keep credit in your own name in addition to joint accounts. Women especially must take care to keep some credit in their own name. (e.g. "Jane Smith" rather than "Mrs. James Smith"). Every year women who have never paid a bill late are denied credit because they have no credit history in their own name.

If either you or your spouse-to-be has had trouble getting credit alone, try setting up a joint account to capitalize on your shared income and/or one person's stronger history. As your joint account history grows, you should each acquire and maintain an account of your own as well, to establish your credit on an individual basis. As you establish individual accounts, you might close some extra joint accounts, keeping only those you actually use.

If you anticipate making a large purchase with one of your credit cards, you might want to request a credit line increase now, so you know the credit is available when you're ready to buy.

Building Good Credit Together

When you apply for credit, the lender will undoubtedly check your credit report. The information in your credit history helps lenders decide how much credit and what interest rate you are eligible for. The better your credit history, the more likely you are to qualify for the best credit deals, including rates on a mortgage. But what will creditors be looking for?

Pay Your Bills on Time

Creditors always look for indications that the prospective borrower is a good credit risk: a person who will pay back his or her debts in a timely fashion. Obviously, a history of on-time payments demonstrates that you are just such a person. But that doesn't mean your credit history must be perfect for you to qualify--few people's are, after all. "Good" credit can include a few minor dings in your report, such as up to two credit card payments 30 days late or one installment payment, such as an auto or student loan payment, 30 days late. No payments of any kind should be more than 60 days late and there should be no outstanding public record debts such as judgments or liens.

Keep Your Debt Load Reasonable

One factor any creditor must assess before offering credit is the total debt of the person applying. If a large portion of your income each month is already committed to paying off other debt, the lender will wonder if you may have trouble paying back an additional loan. As a rule of thumb, financial experts say that non-mortgage debt payments should not exceed 10-15% of your take home pay each month. If your debts are currently too high, consider ways to pay some down before you apply for new credit.

Avoid Unnecessary Inquiries

Whenever you authorize a creditor, employer, or other business to check your credit report, an "inquiry" is added to the report itself--a note that someone has checked your credit. An inquiry usually stays on your credit report for two years. A lender considering you for a loan will look at the number of inquiries recorded there and when they took place. A large number of inquiries occurring in a short period of time may be interpreted as a sign that you are either applying for lots of credit because of financial difficulty or overextending yourself by taking on more debt than you can actually repay. (Checking your own credit report, however, does not impact your credit rating.) Therefore, it's always a good idea to minimize inquiries into your credit report. If you're shopping around for mortgages, for example, don't let every lender you consider run a credit check. You might have to settle for slightly more approximate estimates on what the lenders can offer you, since they can't verify your credit history. But that's still better than doing all that shopping around only to find that the lender of your choice now perceives you as a less solid credit risk and wants to charge a higher rate.

Eliminate Excess Unused Credit

Just as a high number of inquiries suggests you may be overextending yourself, a lot of available credit means you have the capability to overextend yourself in the future, even if you have not done so in the past. Although people may perceive having several credit cards with high limits a sign that they have good credit, too much of this good thing can make them seem like a poorer credit risk. The lender needs to be reasonably sure that you will continue to be able to repay your debt in the future. But if you have thousands of dollars of unused credit available, you might spend it all the month after your loan goes through and suddenly have more debt than you can pay off. To prevent this concern from arising, you should close unused credit accounts before applying for a large loan, and/or consider having your credit limits reduced. If you do either of these things, make sure to ask the creditors to record that the account was closed or changed at the consumer's request--you don't want anyone to get the impression the bank closed the account because of problems with your payment habits.

Of course, as with most worthwhile plans, building good credit together requires a long-term commitment. So set your credit-wise plans for your new life together in motion now and stick with them. By doing so, you may reap the benefits of that commitment for a long time to come. Click Here.

The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.

What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score	Rating	Best Interest Rate
780+	Perfect	Yes
720-780	Excellent	Yes
675-720	Average	No
620-690	Fair	No
Below 620	Low	No

No Time like the present
“There is no time like the present for a good thing.”
Mike Conway, former Co-Founder of America West Airlines
& New CEO of World Ventures travel company.
Seize the moment!

Repair your credit - Increase your score

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Albuquerque Legal Services

NewMexico CreditRepair

NewMexico Legal Services.

The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

Albuquerque is the largest, fastest-growing city in New Mexico. It is located in the central part of the state along interstate 40, which connets the Atlantic and Pacific coasts. To the city’s east are the Sandia Mountains and right through the city runs the spectacular Rio Grande, classified as exotic because it flows through a desert, like the Nile in Egypt. Both features offer locals and toursits alike endless recreational opportunities, from hiking and biking to boating and rafting. The city also has one of the highest altitudes of any major U.S. city, ranging from 4,900 feet above sea level near in the valley to 6,500 feet in the Northeast Heights. The city is also home to the New Mexico Technology Corridor, a group of high-tech companies and government institutions. Albuquerque's climate is almost always sunny and dry with low humidity. It has four distinct seasons, but the heat and the cold are mild compared to most of the country. And snow is not a problem. The occasional snow typically melts away before dusk. For theater buffs, catching a perfromance by the Tricklock Company is a must. This is especially true in January, when Tricklock hosts the Revolutions International Theatre Festival, where spectators can see performers from around the globe. Catching a performance of a Shakesperian-era play by Albuquerque’s American Shakespeare Company or the New Mexico Symphony Orchestra is also a must. In early October, you’ll find one of the most spectacular sights in America, the Albuquerque International Balloon Fiesta, where hundreds upon hundreds of hot air balloons paint the sky. In September, it’s the New Mexico State Fair. And the month of April holds the Gathering of Nations Pow-Wow, where 3,000 indigenous Native American dancers and singers representing over 500 tribes perform.

They don’t call New Mexico The Land of Enchantment for nothing. New Mexico has beautiful arid deserts, crystal clear lakes, tall pines, and soaring snow-capped mountaintops. With this type of varied terrain, it basically means there truly is something for everyone. For a taste of the Old West, the Billy the Kid Museum is historic western fun for the entire family, as is the Cumbres and Toltec Scenic Railroad where you’ll marvel at breathtaking vistas while traveling on a real steam engine locomotive. Don’t forget to hold on to your hats! Or, explore the splendor of Carlsbad Caverns, one of the most spectacular and largest caverns in the world. For a taste of ancient Native American culture, Chaco Canyon and the amazing, gravity-defying Gila Cliff Dwellings are sure to be of interest. And the same goes for the oldest city in America, New Mexico’s state capital, the one-and-only Santa Fe. It’s unique architecture, tempting southwestern cuisine, rich culture, and thriving arts scene simply can’t be found anywhere else in the world. And there’s more than just history and sightseeing. Adventure seekers are sure love the powder-packed slopes of Taos Ski Valley, the hundreds of miles of off-road Jeep paths, and the plethora of trail heads beckoning hikers and campers to remote locales. And at with over 300 square miles of windswept dunes at White Sands, visitors will find views unlike any other. So whether you decide to take a hot air balloon tour, sky tram, or travel on firma terra, New Mexico is sure to live up to its name.

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