The Three Largest Factors In Your Interest Rate

There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration.1. The Federal Reserve Discount Interest Rate.Banks and other lending institutions borrow money from the Federal Reserve Banks. The discount rate is the interest rate a Federal... 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

5 Steps You Can Take to Get Paid!

There are always some companies that have past due invoices and can't seem to get them paid. They might be quietly waiting to get paid not wanting to contact the client for fear of appearing "desperate". Sometimes a big part of the problem is no response, it is bad enough... Read More

Trying to Land a Job? Poor Credit Scores May Hurt Your Chances

Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). Debtors that grant (or... Read More

Why Your Credit Score is Important

Your credit score can either haunt you or reward you. It all depends on how you handle your credit and payment activities. Your credit score determines what interest rates you will pay and if you are even approved for a loan or a credit card at all. In addition, your... Read More

Credit Help For Renters And Others On The Horizon

Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sue's on-time mortgage payments are reflected in her credit score profiled by the three major credit bureaus; Equifax, Experian and Trans Union.Joe on the other hand is a renter, who wants to... Read More

Credit Repair: How To Deal With Your Creditors

If you are in danger of credit problems because you have more debts than you can handle, there are things you can do at least keep your creditors reasonably happy.First, prioritize your debts or rank them in terms of the ones that can give you the most trouble the quickest.... Read More

Bounced Checks - Straight Talk On Dealing With Bad Checks (NSF)

A check can be considered bad if it is bogus or the NSF checks (non sufficient funds check), also referred as bounced check.The issuance of a NSF or bad checks is an unlawful act and can attract civil and criminal penalties. The onus of a bad check is assigned to... Read More

Credit Card Expenses Are Killing Your Budget!

Do you know the costs associated with your credit card? Do your really know? Many people assume they do but aren't aware of the hidden fees that many credit card companies are charging you month after month. In fact, if you don't keep a close eye on your credit card,... Read More

Credit Card Shocker

Have you ever looked at your credit card statement? I'm not talking about just making sure that all the transactions are correct. I'm talking about looking at the finance charges. I daresay that sometimes that figure is almost as great as the minimum monthly payment you're making. After all, as... Read More

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Finding and Applying for the Right Credit Card Offer Online

Anywhere you go online nowadays, you will see a multitude... Read More

Convenience Can Be Costly

You've just opened your credit card bill and attached to... Read More

Inflexible Friends and Plastic Assets, Why Money isn?t Buying Love Anymore

Consumers reject financial advice in favour of financial frivolityIt would... Read More

How To Use Your Credit Card For Ultimate Financial Advantage

Using a credit card wisely is an important step in... Read More

Good Credit Is a Necessity for Everyday Living

Most of us want a good credit report to obtain... Read More

Beware the Shopping Mall Monster

Like me, you've probably been offered a fair old number... Read More

Fixing A Credit Report

Fixing a credit report starts with seeing what's on it.... Read More

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?

About Search Entries:Every time a lender checks your credit history... Read More

Low Interest Credit Cards Have Many Advantages

When credit cards are used wisely they can be very... Read More

It Takes Credit To Build Credit

Using a credit card wisely is an important step in... Read More

10 Signs You May Need Credit Counseling

Debt management programs can be of real help for people... Read More

Credit Traps Snag Consumers

Nearly 20 years ago I worked for a small consumer... Read More

Consolidating Credit Cards

Credit card consolidation is a popular solution for those with... Read More

Have You Ever Opened a Checking Account?

Maybe some of you are saving it in your trusty... Read More

Tips for Credit Card Surfers

Moving money from credit card to credit card to take... Read More

Minimize your Risk for Identity Theft

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

Maximizing Credit Card Rewards

We spend money every single day on many different types... Read More

Credit Repair Scams

"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've... Read More

The Advantages of Credit Cards

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

Credit Cards, Merchant Accounts, and Your Bottomline

Q: I'm opening a gift shop and want to be... Read More

Understanding the Process of Credit Counseling

Many of us have seen the advertisements on television. "Get... Read More

Getting Your Credit Report and Understanding Whats On It

If you intend to apply for a loan, you need... Read More

5 Steps You Can Take to Get Paid!

There are always some companies that have past due invoices... Read More

My Credit Card Application Was Rejected! Now What?!?

No doubt, you've probably gotten literally hundreds of credit card... Read More

Which Credit Card?

Bewildered by the sheer variety of debit cards and credit... Read More

Credit Verus Debt

Secured and unsecured debt - what's the difference?It's easy to... Read More

Bad Credit? No Credit? Yeah, Its a Problem.

Many companies use the slogan "Bad Credit? No Credit? No... Read More

Bad Debt Recovery

Bad Debt IdentificationIdentifying bad debt is not as easy as... Read More

How To Save Money On Credit Cards

Some credit cards offer a cash advance option. But how... Read More

Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards

Secured Credit Card is similar to a prepaid credit card... Read More

Collection Agencies: What Do They Do?

Collection agencies are businesses that collect past-due bills and accounts... Read More

Warning: Todays Non Profit Credit Counselors Are Yesterdays Bill Collectors!

Here's a dirty secret, today's "non profit credit counselors" are... Read More

A Cure for an Ailing Credit

Credit has become a much-used word, thanks to the various... Read More