A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing. But the bottom line is bad information can cost you money no matter who you... Read More
Do you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation.The differences between good debt and bad credit... Read More
There is almost nothing more troublesome than having too much debt to pay each month. Consumers incur debt for many different reasons. Sometimes illness, accidents, or just bad luck can make it seem impossible to get finances under control. Other times it is simply because we spend more money than... Read More
The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to... Read More
The good thing about bad credit is that you can fix it. If you start now, over time, your bad credit can turn into good credit, and you could qualify for the loans you want at the rates you want. The most important aspect of rebuilding your credit after it... Read More
Credit card companies want your business. After all, lending money to people is profitable. Besides the interest fees that you'll be charged, the credit card company also collects a fee from merchants who accept their credit cards. In order to get your business, most credit card companies are willing to... Read More
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you?When you make purchases on a credit... Read More
Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.Be careful with credit repair scams.Most "credit repair" companies really... Read More
According to the September 2004 issue of the Nilson Report, around $588 billion dollars worth of debit cards were bought in the United States in 2003. By 2008 that volume is expected to grow to $1.231 trillion putting a significant dent in the nation's use of pure credit cards as... Read More
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in... Read More
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There will come a day when you need credit. You... Read More
You may already have 2 or more credit cards in... Read More
Well now we add CitiGroup and UPS to the Identity... Read More
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Joint debts remain joint debts.Both spouses signed a legally binding... Read More
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It is very easy to find a site that is... Read More
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Credit cards are a form of unsecured credit. The issuer... Read More
Legislators in Washington, D.C. are considering several credit-related consumer protections... Read More
Just as there are too many credit card companies to... Read More
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As a young student I feared getting bad grades because... Read More
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Ah, the "good old days". If you are a baby... Read More
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LIVING IN CREDIT CARD UTOPIALet's just take a brief moment... Read More
Like me, you've probably been offered a fair old number... Read More
Credit Scores That HurtIs your credit score being held against... Read More
Just as there are too many credit card companies to... Read More
Joint debts remain joint debts.Both spouses signed a legally binding... Read More
Like It Or Not, You Have A Score To Settle!... Read More
It's the number one source of consumer complaints at the... Read More
Credit counseling is an option you might want to consider... Read More
Have you ever been told you were over your credit... Read More
It is very easy to find a site that is... Read More
The credit card companies make billions each year in legitimate... Read More
Credit has become a much-used word, thanks to the various... Read More
Credit repair, is in a word, vital to reestablishing your... Read More
Making Your Credit Rating Work For YouOne of the basics... Read More
Your credit rating affects many areas of your life. Opening... Read More
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When you buy real estate, lenders run all of the... Read More
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Your credit rating / credit score is based upon how... Read More
Even if you think you have a wonderful credit report,... Read More
Most of us want a good credit report to obtain... Read More
Using a credit card wisely is an important step in... Read More
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In Less Than 30 Days. "What can you do to... Read More
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1. Choosing A new credit cardThere are many reasons for... Read More
Make Money from StoozingStoozing, this is a sophisticated method of... Read More
Credit score is the key factor determining approval of almost... Read More
Secured and unsecured debt - what's the difference?It's easy to... Read More
There are many different ways to borrow money. Outlined below... Read More
With all my bills who would possibly want my credit?... Read More
Introduction In this article, a presentation is made of the... Read More
You probably don't need me to tell you credit cards... Read More
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