Why Americans Find Predatory Lending Offensive
"Menis - the author translates as "indignant rage" - It is the kind of rage arising from social betrayal that impairs a person's dignity through violation of "what's right." (p21), Achilles In Viet Nam - Combat Trauma and the Undoing of Character, Jonathan Shay, M.D., Ph D."The vulnerable relationship between... Read More
How Creditors Measure Your Credit Rating
Creditors will measure your credit rating based on the following three main things.CapacityCollateralCharacterThe three "C's" show creditors your:"Capacity" or income to pay the debt"Collateral" or assets to secure the obligation"Character" shows your compliance to repay the debt1. CapacityThe very first question is whether you have sufficient income to repay the... Read More
Consolidating Credit Cards
Credit card consolidation is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. Basically, this means putting all your debts together on a single card, like transferring it all to one loan. Of course, the goal is to pick a card... Read More
Useful Tips When Choosing Credit Cards
Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal.Credit Card Terms:A credit card is... Read More
New Law Provides Free Annual Credit Report
As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactions Act creates a central source consumers can use to obtain a free annual credit report.Equifax, Experian,... Read More
Different Types of Credit Cards and Features - Part 1
Just as there are too many credit card companies to count, there seems to be just as many different credit cards, all claiming to offer you the best possible deal. Since no two people are alike, not all programs and incentives will work the same for everyone. Finding the one... Read More
Bad Debt Recovery
Bad Debt IdentificationIdentifying bad debt is not as easy as it sounds. But the earlier it is done, the better are chances of recovering it. Here are some signs of customer behavior that can identify bad debt early:Customer fails to pay as per the agreed payment terms.Customer makes repeated unrealistic... Read More
Figuring Out the Ever Nebulous Numbers Called Credit Scores
Credit Score FactorsThe information contained on our credit reports affect every aspect of our lives; including employment, insurance, and even interest rates (mortgage, credit cards, automobiles, etc.). There is specific information captured on our report which is used to form our credit score:? Payment History (accounts for approximately 35%)? Outstanding... Read More
How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores?
Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit scoring. It's... Read More
Your Guide On Choosing a Credit Card To Suit You
Reach into your wallet or purse, pull out a card, swipe, and you're done. It is very easy to use a credit card. The problem lies in choosing a card ? and it has nothing to do with the picture on the front! Choosing a credit card that works best... Read More
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Credit Scoring: What You Dont Know Can Hurt You
You've probably heard the term credit scoring. You may have... Read More
Collection Agencies: What Do They Do?
Collection agencies are businesses that collect past-due bills and accounts... Read More
Credit Scores and Loan Applications
Keep Your Credit History Clean - Remove A Negative Credit... Read More
Rate Tarts Losing Ability to Cherry Pick
A "rate tart" is someone who switches from one zero... Read More
Looking for that Low interest Credit Card?
If you have been shopping around for a Low Interest... Read More
What To Look For In A Credit Card
When you are deciding what type of credit card to... Read More
Credit Repair Myths and Facts
There are no secrets to repairing your credit. Many shady... Read More
Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan,... Read More
Credit Report Secrets: Do You Know What They Reveal?
If you've ever applied for a credit card or loan,... Read More
Dealing With and Repairing Bad Credit
Bad credit can be a burden for otherwise good credit.... Read More
Credit Card Dirty Tricks
There are many of us that have been badly stung... Read More
Credit Card Traps: How To Spot Them On The Spot!
They arrive in your mail - a conspicuous looking mail... Read More
Is it Safe to Use Online Car Finance?
Online car finance is convenient. You can apply over the... Read More
Credit Counseling: Could it Work for Me?
In the face of financial hardship, many seeking a responsible... Read More
Practical Suggestions for Protecting Yourself From Identity Theft
It's no surprise that thousands of Americans are victimized by... Read More
Credit Education
Having credit education is like knowing how to read. It... Read More
SuperCharged Secret 5, Credit Card Utopia
LIVING IN CREDIT CARD UTOPIALet's just take a brief moment... Read More
Secured Credit Cards- Consumer Tips
Whether you have no credit or damaged credit, secured credit... Read More
Free Credit Report - Really
2005 marks the year that consumers will be able to... Read More
Credit Card Rates - Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates,... Read More
Credit Suicide
Few things influence the home buying process more than your... Read More
Some Truth About Credit
Credit is currently and has been historically an integral component... 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
Credit Card Benefits and Drawbacks
Credit cards have both benefits and drawbacks. It is wise... Read More
How a Credit Card Can Be Your Friend
We have all heard countless stories of people over their... Read More
How You Can Help Prevent Identity Theft
How can I prevent Identity theft from happening to me?... Read More
Will Inquiries Lower Your Credit Score?
What are inquiries?When you apply for credit the creditor or... Read More
Useful Tips on Borrowing Money
Here are some useful tips on borrowing money. Borrowing money... Read More
Discover the Parts of a Credit Report and What They Mean
So you ordered a copy of your credit report to... Read More
Credit Help for Real Estate Financing: Five Categories of Your Credit Score
1. Payment History -- 35%The number of accounts paid as... Read More
5 Ways To Prevent Credit Card Late Fees
Paying a credit card late fee is the same as... Read More
Understanding the Function of Credit
What is Credit?Credit is the backbone and the engine behind... 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
Identity Theft ? Who Would Want Mine?
With all my bills who would possibly want my credit?... Read More
Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards
Secured Credit Card is similar to a prepaid credit card... Read More
How to Avoid Credit Card Late Fees
Everyone hates late fees and being late will cost you... Read More
Credit Establishment 101
There will come a day when you need credit. You... Read More
Are You The Only One Using Your Name?
Identity theft has become an epidemic. Millions and millions of... Read More
Finding Reputable Credit Card Companies
You're interested in getting the best credit cards for your... Read More
What is a Bad Credit History?
A bad credit history can sometimes seem like a curse...... 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
How Do I Establish A Good Line of Credit?
A line of credit, roughly defined, is the amount of... Read More
All You Wanted to Know of Bad Credit
Martin Henderson is in a fix these days. Because of... Read More
Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions
What are the avenues available to businesses with weak credit... Read More
Credit Repair, How To
Credit repair, is in a word, vital to reestablishing your... Read More
What is Credit Repair and How Can It Help You?
There are millions of consumer credit reports on file from... Read More
Credit Card Debt: How To Control It
A lot of people spend more money than they can... Read More
How To Eliminate Credit Card Debt
There is almost nothing more troublesome than having too much... Read More
Recognizing the Signs that You Might Need Credit Counseling
Most families in America today have a credit card; some... Read More
Teaching Students To Keep Out Of Credit Card Debt - The Parents Role
Parents have the full responsibility for their children and their... Read More
Why Credit Cards are a Bad Idea
Credit cards are just so convenient, aren't they? There's no... Read More
The Advantages of Credit Cards
There are many evils associated with credit cards, but there... Read More
10 Dirty Tricks Credit Card Companies Play
The credit card companies make billions each year in legitimate... Read More
It Takes Credit To Build Credit
Using a credit card wisely is an important step in... Read More
Credit Cards - The Top 3 Things You Need To Know
Today there are so many different credit cards available, student... Read More
How To Choose Your Credit Card Application
The articles and tips provided on this site are intended... Read More
The Hitchhiker?s Guide To Insanity
A new sickness is plaguing the UK called Denial. Denial... Read More
Bank Robbery Growing In U.S.
Bank robbery has grown to become a huge problem in... Read More
Credit Cards Can Help You Get Out Of Debt
Your credit rating / credit score is based upon how... Read More
Rewards Cards - Are They Right For You?
Rewards cards have become the latest rage in the credit... Read More
How To Protect Yourself Against Credit Card Fraud
In the high tech world of today, credit card fraud... Read More
Credit Card Entrapment - The Secrets are Out
Have you ever wondered why your credit card bill is... Read More
Getting Your Credit Report and Understanding Whats On It
If you intend to apply for a loan, you need... Read More
Good Credit is King, When Qualifying for Mortgage Programs
If you want to purchase a new home or refinance... Read More
Five Debt Negotiation Facts
These five debt negotiation facts along with a few debt... Read More
How to Deal with Hire Purchase Debt
WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying... Read More
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