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

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Seize the moment!

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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.

Every year as the clock nears midnight on December 31st; the eyes of the world turn once more to the dazzling lights and bustling energy of Times Square. New Year's Eve at the symbolic center of New York City has become more than just a celebration - it's a global tradition. The world holds its breath...and cheers as the clocks strike twelve. As the famous New Year's Eve Ball descends from the flagpole atop One Times Square, an estimated one million people in Times Square, millions nationwide and over a billion watching throughout the world are united in bidding a collective farewell to the departing year, and expressing our joy and hope for the year ahead. But for the Big Apple, the festivity never really ends. After the tons of confetti are cleaned up, the 100 year old tradition of the Times Square new year's ball is packed neatly for next year and taxis are once again allowed back onto Broadway the city that never sleeps returns to its everyday grandeur. For the city that is said to be the capital of the world, New York does not disappoint during the other 364 days of the year. Perhaps the most notable building in New York and attracting 2 million visitors annually is the Empire State building, Considered the 8th wonder of the world at its completion, the Empire State building is still one of the tallest buildings in the world and one of the only in New York that offers an unobstructed 360 degree view of the city. Equally as influential in its design but far closer to the ground is Central Park. This 843-acre park in the middle of Manhattan Island boasts several lakes, theaters, ice rinks, fountains, tennis courts, baseball fields, many playgrounds and other facilities. It is also home to the Central Park Zoo and the Metropolitan museum of Art. Especially during the weekends, when cars are not allowed into the park, Central Park is a welcome oasis in America’s largest city. Along with the Metropolitan museum a whole host of museums are located on Fifth Avenue. The Guggenheim Museum on Fifth Avenue houses an important collection of modern art, but even if you're not into art, the building housing the art is worth a visit on its own. It was the last completed project by Frank Lloyd Wright before he died in 1959. If your on Fifth Avenue looking at museums a short travel on the subway will take you to the famous New York City’s Fifth Avenue shopping district. This district is unrivaled by the likes of London’s Knightsbridge section or Chicago’s Magnificent Mile. The approximately 10-block stretch of this Big Apple Avenue –from 49th to 59th Street – is covered with stores representing some of the world’s most magnificent designers. Names like Bergdorf-Goodman, Louis Vuitton, Prada, Emanuel Ungaro, Gucci, Ferragamo, and Versace are common here, but don’t be fooled, Fifth Ave is more than high fashion. St Patrick’s Cathedral, the largest Catholic Cathedral in the United States, along with such notable places like the Trump Tower and the Plaza hotel are located along this famous stretch of Fifth Avenue. While it might seem like a lot of New York is located on Fifth Avenue the reality is that every street in New York is just as dynamic. From the world-famous Chinatown, to the new site for the world trade centers after 9-11, the headquarters of the United Nations and back to Times Square, The Big Apple earns its name as the capital of the world even during all the days in between new years.

new york state is not only home to one of the largest, and possibly the most recognized cities in the world, it is also home to beautiful countryside, serene lakes, rolling hills, and breathtaking gorges. in the catskill and adirondack mountains, hikers can always find a challenging nature trail, and in winter, skiiers and snowboarders can take to slopes for the rides of their lives. visitors can ferry down the famed hudson river, or take a freshwater dip in the great lakes, erie and ontario. buffalo is a great stop for a bills football game and some buffalo wings, and of course there’s the new york jets, new york giants, new york knicks, new york rangers, and the new york yankees professional sports teams as well, just to name a few. fishing and hunting are also popular sports in the area due to the abundance of lakes, rivers, and preserved woodlands. and, in great contrast, there’s the big apple, the melting pot, the empire city, the capital of the world, the city that never sleeps…new york city goes by many names, and lives up to every one of them. from its unbelievable skyser skyline to its sandy atlantic shores, from wall street to the empire state building, from central park to the hamptons, new york city has more to offer than anyone can experience in a lifetime. its food is as world-renowned as its diverse culture, with strong italian, irish, and german influences at their peak. manhattan is a shopping and business mecca. staten island, home to the statue of liberty is a symbol of freedom and new beginnings the world over. the list goes on and on. but the fact is, no matter how you express it, there simply aren’t enough ways to aptly describe the wonderful state of new york.

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