First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers
Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse. The Telephone Consumer Protection Act would have required collectors to identify the registered name of their business in any pre-recorded... Read More
Opting For A Credit Card? Check Out Certain Terms
You've just received a "pre-approved" credit card offer in your mail. Without wasting a minute you're ready to accept it, especially if it's the "before-the-offer-expires" one. Wait! Don't be in a hurry. Shop around a little and then make your decision about that credit card.Do you know that these "pre-approved"... Read More
Why Does FACTA Matter to Me?
FACTA stands for Fair and Accurate Credit Transaction Act. FACTA is the law which allows any American access to their credit report once per year. The law went into effect Jan. 1, 2005. So what does that mean for you as an employer?On June 1, 2005, a new provision of... Read More
Convenience Can Be Costly
You've just opened your credit card bill and attached to your statement you find a "convenience check" included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this "instant" money. A... Read More
Boosting Your Credit Score To Get The Best Credit Card Deal
Making Your Credit Rating Work For YouOne of the basics of getting the most competitive credit card deal in the market is to ensure you have the best credit record possible. Few of us are lucky enough to be earning a six-figure salary, and many people are likely to have... Read More
Finding the Right Credit Card
There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you've seen? Take this little quiz to find out what you should look for in a card. First, Are... 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
Understanding Credit Report Score
Understanding credit report scores is important when you see your credit report because you need to be able to make some sense of it.Your credit score is used by anyone loaning you money such as credit card companies, home loan lenders, auto loan lenders and finance companies. They all use... Read More
Is Your Credit Score Being Held Against You?
Credit Scores That HurtIs your credit score being held against you?More and more the staples of life depend on your credit score. Your mortgage, insurance premiums, employment opportunities and even your landlord may be using your credit score to determine your financial future.In some cases even the utility companies are... Read More
How Businesss Mess Up Their Credit Policies
In "Become the Squeaky Wheel" a book recently published, Michelle Dunn demonstrates the major areas a business should focus on to ensure a satisfactory customer experience.One mistake business owners make is not having a credit policy in place when they open their business. This can be easily corrected by implementing... Read More
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Using Credit Cards Wisely
"I think money was stolen from my card" or "I... Read More
5 Ways To Prevent Credit Card Late Fees
Paying a credit card late fee is the same as... Read More
Good Credit -- Essential for the Prospective Home Buyer
Credit is a funny thing. It can be a useful... Read More
Read and Understand Your Credit Card Statement
Have you ever looked at your credit card statement and... Read More
Debt Collection Agencies
Debt collection agencies are often a viable option for receiving... Read More
How did a Thief get my Name? Don?t be a Victim of Identity Theft
How do these people get my name? If you have... Read More
What is a Credit Card?
A credit card allows you to buy things even though... Read More
Rewards Cards - Are They Right For You?
Rewards cards have become the latest rage in the credit... Read More
Credit Counseling: Is it Really Necessary?
Not everyone has a positive experience with credit counseling. Potential... Read More
Everything You Always Wanted To Know About Your Credit Report
Your credit report is a very powerful report that essential... Read More
What Is a FICO Score and How Do I Make It Work for Me?
Whether or not you receive a loan and what interest... Read More
Building Your Credit History
Today, credit is an indispensable part of our lives. In... Read More
The FICO Score Misconceptions
There are many misconceptions about credit scores out there. There... Read More
Different Ways to Borrow Money
There are many different ways to borrow money. Outlined below... Read More
Dealing With A Collection Agency
Step I - Selecting A Collection AgencySelecting a credit collection... Read More
Credit Card Disclosure Table ? Do You Understand It All?
In addition to the APR (annual percentage rate) and the... Read More
Our World Of Credit Cards! Which One Is Right For You
There are not many of us who do not have... Read More
Fun with Credit Cards
For those of us who know how to use them... Read More
Start Building Credit Fast!
There are a couple of reasons for this. You can... Read More
4 Steps You Can Take If Your Online Credit Card Application Has Been Refused
Help! I've Been Turned DownYou received an envelope in the... Read More
Bad Credit Credit Cards
Chances are you've gotten your share of offers like this... Read More
4 Steps to Creating Good Credit
As a consumer you've learned the importance of establishing a... Read More
Credit Repair, How To
Credit repair, is in a word, vital to reestablishing your... Read More
Credit Cards - The Basics
How Lenders Operate ? And How They'll Make a Tidy... Read More
Applying for Credit Cards Online
In the olden days, about 10 years ago, before the... Read More
7 Ways To Squash Identity Theft
It is the scourge of our age: identity theft. Thieves... Read More
0% Credit Cards
These days, credit cards in the UK are competing with... Read More
Restore Your Credit Rating And Reduce Your Debts
Your credit rating affects many areas of your life. Opening... Read More
Credit Report ? Look Out for Your Debit Report, Too
Most consumers are aware that there are companies that keep... Read More
Credit Repair Kit Sound To Good To Be True? It Is.
A lot of people have bad credit. It is unfortunate... Read More
Credit Verus Debt
Secured and unsecured debt - what's the difference?It's easy to... Read More
What Are the Most Common Ways to Commit Identity Theft or Fraud?
It's the number one source of consumer complaints at the... Read More
What Is A FICO Score?
A credit score is most commonly known as a FICO... Read More
The Art of Stoozing to Make Money from Credit Cards
Make Money from StoozingStoozing, this is a sophisticated method of... Read More
Getting Married? What Are The Finance and Credit Implications?
There is a big difference between looking after your own... Read More
What Happens When Your Credit Is Damaged? Do You Have Recourse?
The good thing about bad credit is that you can... Read More
Bank Robbery Growing In U.S.
Bank robbery has grown to become a huge problem in... Read More
Are 0% Credit Cards Reaching Their End?
Are Credit Card companies starting to feel the pinch? We... Read More
Balance Transfers Can Help You Stop Putting Money Down The Drain!
As you probably know, interest rates are at all time... 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
Bankruptcy vs. Credit Counseling: What Should I Do?
Credit Counseling and bankruptcy are both ways to relieve the... Read More
Tips for Credit Card Surfers
Moving money from credit card to credit card to take... Read More
Choosing the Best Low Interest Credit Card
With so many low interest credit cards on offer, how... Read More
Credit Verus Debt
Secured and unsecured debt - what's the difference?It's easy to... Read More
How to Dispute Credit Report Errors
Your credit report--a type of consumer report--contains information about where... 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
How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores?
Consumers interested in purchasing or refinancing a home will pay... Read More
Identity Theft - Dont Think You Are Immune
As identity theft becomes more prevalent, the need to regularly... Read More
Free Credit Report ? Watch Out for Scams
Many people may still not be aware of an amendment... Read More
My Student Credit Card Adventure
And some practical advice too!My first credit card?I remember my... Read More
New Credit Advice: Dont Pay off Those Credit Cards!
Credit needed for real estate mortgage financing differs from credit... Read More
Credit Cards: What is the Universal Default Clause?
Most people who carry major credit cards are well aware... Read More
Practical Suggestions for Protecting Yourself From Identity Theft
It's no surprise that thousands of Americans are victimized by... Read More
How to Improve Your Credit Rating
So you got into debt, had problems but you got... Read More
Credit Repair: How To Deal With Your Creditors
If you are in danger of credit problems because you... Read More
Free Credit Reports Now Available From the FTC
The Federal Trade Commission (FTC) has set up a new... Read More
Understanding Your Credit Score
When you apply for credit one of the first things... Read More
Consolidating Credit Cards
Credit card consolidation is a popular solution for those with... Read More
Credit Scores and Loan Applications
Keep Your Credit History Clean - Remove A Negative Credit... Read More
Minimize your Risk for Identity Theft
Identity theft is the fastest growing crime in America. According... Read More
Your Credit Rating and How To Check It
There is a lot of confusion surrounding UK credit ratings,... Read More
Shoppers Beware - Tis The Season
It's the number one complaint from consumers and it only... Read More
Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions
What are the avenues available to businesses with weak credit... Read More
Choosing A New Credit Card
1. Choosing A new credit cardThere are many reasons for... Read More
Protect Yourself Against Identity Theft
Identity theft is when someone uses, without permission, your personal... Read More
Credit Report Hassles
There is no end to the amount of pain that... Read More
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