What Is the Fair Credit Reporting Act and What You Should Know About It

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

Credit Repair Kit Sound To Good To Be True? It Is.

A lot of people have bad credit. It is unfortunate that good people with good intentions are sometimes lured into credit card offers with outrageous interest rates or convinced to buy a new, overpriced car that they cannot afford. Sometimes, it is a stroke of bad luck. You may have... Read More

Good Credit -- Essential for the Prospective Home Buyer

Credit is a funny thing. It can be a useful tool in the hands of an informed individual, or a weight of burden to the unsuspecting. One thing is for certain, you must have a decent credit score to attain a quality mortgage loan.We speak to hundreds of individuals each... Read More

10 Ways To Protect Your Financial Identity Being Used For Someone Else?s Shopping Spree

Someone impersonating you could be spending your hard-earned money.Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that identity fraud affected and estimated 3.3 million Americans; costing consumers $3.8 billion and business $32.9 billion.Here are 10 ways to protect yourself... Read More

Learn About Prepaid Credit Card

Prepaid credit cards also called stored value card can be ideal for individuals who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who have a hard time controlling their spending and prevent the individual from overspending and getting... Read More

How To Protect Yourself Against Credit Card Fraud

In the high tech world of today, credit card fraud is an ever increasing problem.By 2005 it is estimated that the online payment industry will capture $12.5 Billion in revenue. This is up over 20% from 2004.In the United Kindom alone, credit card fraud cost companies £504.8 Million in 2004.With... Read More

Different Ways to Borrow Money

There are many different ways to borrow money. Outlined below is a useful guide to some of most common ways of borrowing money.LoansThere are many loan companies offering to lend you money. They will check your credit worthiness and may offer you a secured loan or an unsecured loan.A secured... Read More

5 Ways To Raise Credit Score

It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score falls under 620 just getting loans and credit cards with reasonable... Read More

Credit cards

If gold medals were awarded for marketing consistency, the credit card industry would be the Sarah Hughes of the business world. Major players Visa and MasterCard, who have maintained their steady rates of spending and commitment to their positioning platforms for years, will stick to their established routines this year.... Read More

5 Killer Steps to avoid Credit Card SCAMS!

In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong. It happens to all of us at... Read More

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The Advantages of Credit Cards

There are many evils associated with credit cards, but there... Read More

Do You Want to Get a New Credit Card at a Great Rate?

1) Do your homework. Applying for and getting approved for... Read More

Check Your Credit Before Shopping For That Home Loan

Review Your Credit Score.Nearly every bank, credit union, and mortgage... Read More

Credit Counseling Basics

Credit counseling is an option you might want to consider... Read More

Credit Card Expenses Are Killing Your Budget!

Do you know the costs associated with your credit card?... Read More

Some Truth About Credit

Credit is currently and has been historically an integral component... Read More

Credit Counseling: Is it Really Necessary?

Not everyone has a positive experience with credit counseling. Potential... Read More

Reward Credit Cards: Get the Best Rewards Card Incentive Program

A good credit reward card can contribute to your retirement... Read More

Five Credit Card Billing Problems and How to Fix Them

It goes without saying that your first and best defense... Read More

Tips for Choosing a Credit Card Company

Credit Cards are essential for any consumer today. However, when... Read More

Can You Acquire Good Credit Overnight? You Bet

Your credit file may not reflect all your credit accounts.... Read More

Establishing Credit ? What You Need To Know Part 2

In my previous article "Establishing Credit ? What You Need... Read More

Credit Cards: How To Use Them

Credit cards can be a very quick way of getting... Read More

Why Should You Use Credit Cards

Believe it or not, the way society, especially the commercial... Read More

Credit Reports: Find out why you have been refused Credit.

You may already have 2 or more credit cards in... Read More

Fair Isaac Corporation Credit or FICO Score

As I am not from the US, I had no... Read More

Beware of Falling Minimum Payments

If you opened a credit card statement recently and were... Read More

Learn The Truth About Identity Theft

Identity theft is the fastest growing crime in America, according... Read More

Types of Credit Cards

There are a whole variety of different types of credit... Read More

Credit Report Hassles

There is no end to the amount of pain that... Read More

Bad Checks, Bounced Checks, & NSF Checks

Negotiable instruments like checks and drafts have become an indispensable... Read More

Building Your Credit History

Today, credit is an indispensable part of our lives. In... Read More

Finding What is on Your Credit Report

A credit report is basically a file about you kept... Read More

What Is A FICO Score?

A credit score is most commonly known as a FICO... Read More

Rebuild Your Credit the Right Way the First Time

If you are one of the millions of people out... Read More

ChexSystems: Who They Are and How it Affects You

ChexSystems is a company that maintains a subscriber membership service... Read More

Bailiffs & Council Tax - Knowing What To Do

This article is about bailiffs who may call trying to... Read More

First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers

Under the Fair Debt Collection Practices Act, collectors are not... Read More

Stop Credit Card Offers

You can stop receiving credit card offers in the mail!... Read More

What is Credit Counselling?

Ever wondered what is Credit Counselling? There are occasions when... Read More

Watch Out For Credit Repairs

It is very easy to find a site that is... Read More

Dont Fall For A Scheme When Trying To Rebuild Your Credit History

For people with a spotty credit history or bad credit,... Read More

SuperCharged Secret 4, Credit Card Utopia

YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER!Let's... Read More