Give Yourself Credit
The Beginning of the Credit Card EraIn 1951, Diners Club issued the first credit card to 200 customers who could use it at 27 restaurants in New York City. From that modest beginning, credit cards have become an indispensable part of modern life. Consumers rely on credit cards to help... Read More
Which Credit Bureau Should I Use To Check My Credit Report?
There are three main credit bureaus in the United States; Equifax, Experian and Trans Union. Each bureau collects your personal and financial information which is then sold to lenders such as banks, credit unions, credit card companies, mortgage and auto loan lenders. Your credit report is the product of this... 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
My Credit Card Application Was Rejected! Now What?!?
No doubt, you've probably gotten literally hundreds of credit card applications in the mail and online, and each and every one of them has said that you've been "Pre-Approved".Of course it's natural that this would lead us to believe that the application process is simply a formality. After all, you've... Read More
Collection Agency Secrets for Collecting on Bad Debt
Getting worried that one of your clients, customers or patients will never pay? Have you given up on a customer who's essentially said he won't pay? Congratulations--being stiffed by a customer or patient is a milestone in the growth of a business or medical practice. But even the most hopeless... Read More
Do You Know The Top Five Credit Card Mistakes?
When you're dealing with credit cards, you're playing with fire. Unfortunately, there are plenty of people out there who don't realise that, and make all sorts of dangerous mistakes with their credit cards every day.Here are what I consider to be The Top Five Credit Card Mistakes Paying Your Credit... Read More
Credit Worthiness
Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships. This is a complex abstract thing that is evaluated in many ways by different entities. What... Read More
Balance Transfers Can Help You Stop Putting Money Down The Drain!
As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe it to yourself to find a better deal. You see,... Read More
Establishing Credit ? What You Need To Know Part 1
Establishing credit is one of the most important things you can do in order to add stability to your financial record and dramatically increase your ability to borrow necessary funds in order to purchase a new home, new car or even pay for college expenses. Unfortunately credit has two sides... Read More
Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report
Raising your credit score can be a fairly simple and straightforward process unless you have derogatory marks that need to be disputed (which will be explained below).The reasons for bad credit can be as follows, high balances, bankruptcies, late payments, and many others. The most significant thing you can do... Read More
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Bounced Checks - Straight Talk On Dealing With Bad Checks (NSF)
A check can be considered bad if it is bogus... Read More
I?ve Heard About FACTA; What Does It mean?
What FACTA means is that if you, as an individual,... Read More
Dont Fall for Credit Repair Scams
We've all seen the ads on television or in magazines,... Read More
Important Things to Know About Divorce and Credit
Joint debts remain joint debts.Both spouses signed a legally binding... Read More
The Art of Stoozing to Make Money from Credit Cards
Make Money from StoozingStoozing, this is a sophisticated method of... Read More
Like It Or Not, You Have A Score To Settle! Part 1
Just when most people finish with school and can stop... Read More
Credit Suicide
Few things influence the home buying process more than your... Read More
Credit Cards: How To Use Them
Credit cards can be a very quick way of getting... Read More
What You Didnt Know About Your Credit Card Numbers
Have you ever really looked at your credit card and... Read More
Searching For A Low Interest Credit Card?
These days, people need to very carefully consider what type... Read More
Why Your Credit Score is Important
Your credit score can either haunt you or reward you.... Read More
Do you Know the Benefits of Checking your Credit Report?
Do you know why you should check your credit report?Of... Read More
Credit Score - Reporting Your Financial Health
Credit score is one of the most basic, determining factor... Read More
Stop Credit Card Offers
You can stop receiving credit card offers in the mail!... Read More
Credit Cards - The Top 3 Things You Need To Know
Today there are so many different credit cards available, student... Read More
Beware of Bogus Credit Repair Companies!
So-called "credit repair" companies claim they can remove negative information... Read More
Credit Report ? How Your Credit Score is Determined
Most consumers are aware that they have something known as... Read More
Credit Report ? How to Improve Your Credit Score
One of the great mysteries of life is how the... Read More
Good Credit is King, When Qualifying for Mortgage Programs
If you want to purchase a new home or refinance... Read More
Credit Cards and How To Choose Them:
It may seem like a simple question but its important... Read More
A Debt Mentality
While working through my own debt situation, and helping others... Read More
Understanding the Process of Credit Counseling
Many of us have seen the advertisements on television. "Get... Read More
Choosing The Credit Card That Is Right For You
Credit cards represent an important part of our financial lives.... 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
Applying for Credit Cards Online
In the olden days, about 10 years ago, before the... Read More
It Is In Your Best Interest To Do The Math On Your Credit Card Interest
If you begin foaming at the mouth once a month... Read More
How Your Credit History Can Affect Your Life
Your credit history is an important aspect of your life.... Read More
Winning The Credit Game!
Everywhere we go, the word credit can be found, shining... Read More
Preventing Credit Card Mess
Credit card debts problem is extremely common today. It is... Read More
Free Credit Reports Now Available From the FTC
The Federal Trade Commission (FTC) has set up a new... Read More
Ways to Look Good without Selling Your Soul to the Credit Card Sharks
1. Buy clothes at thrift stores. BEFORE you buy them,... Read More
Credit Counseling Basics
Credit counseling is an option you might want to consider... Read More
Dont Trade Your Future for Todays DooDads
"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You... Read More
Big Brother Knows Whats in Your Credit Report - How About You?
Whether you are aware of it or not, credit bureaus... Read More
10 Dirty Tricks Credit Card Companies Play
The credit card companies make billions each year in legitimate... Read More
Credit Report ? How Your Credit Score is Determined
Most consumers are aware that they have something known as... Read More
3 Free Credit Reports For You
If you were to tell someone that they can have... Read More
Credit Card Disclosure Table ? Do You Understand It All?
In addition to the APR (annual percentage rate) and the... Read More
How You Can Help Prevent Identity Theft
How can I prevent Identity theft from happening to me?... Read More
Have You Checked Your Permanent Record Lately?
As a young student I feared getting bad grades because... Read More
Credit Card Security Advice
Which of the following is the biggest threat to your... Read More
Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest?
Identity theft is the fastest growing crime according to the... Read More
Credit Card Incentives
Credit card companies want your business. After all, lending money... Read More
Consumer Credit Reports
A consumer credit report is a factual record of an... 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
Small Business Credit Cards
So what do you look for when applying for a... Read More
Credit Card Dirty Tricks
There are many of us that have been badly stung... Read More
Bad Checks, Bounced Checks, & NSF Checks
Negotiable instruments like checks and drafts have become an indispensable... Read More
Lower Your Credit Card Interest Rate Now!
With today's credit card companies, there are many opportunities to... Read More
Student Credit Cards 101
Almost all students have and use student credit cards. Some... Read More
Free Credit Report ? Watch Out for Scams
Many people may still not be aware of an amendment... Read More
Good Credit is King, When Qualifying for Mortgage Programs
If you want to purchase a new home or refinance... Read More
5 Things Your Credit Card Company Keeps Quiet About
Credit Cards can bankrupt you if you let them run... Read More
How Businesss Mess Up Their Credit Policies
In "Become the Squeaky Wheel" a book recently published, Michelle... Read More
SuperCharged Secret 1 of 5 - Credit Card Utopia
I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!Note: The... Read More
The Hazards Of Your First Credit Card
You probably don't need me to tell you credit cards... Read More
Credit Report Secrets: Do You Know What They Reveal?
If you've ever applied for a credit card or loan,... Read More
Credit Cards - The Top 3 Things You Need To Know
Today there are so many different credit cards available, student... Read More
Establishing Credit ? What You Need To Know Part 1
Establishing credit is one of the most important things you... Read More
Do You Know Whats On Your Credit Report ?
It is important to know your credit rating for a... Read More
What is a Bad Credit History?
A bad credit history can sometimes seem like a curse...... Read More
Credit Cards For People With Bad Credit Scores
Sometimes life lands you in a situation that causes your... Read More
Credit Counseling: Could it Work for Me?
In the face of financial hardship, many seeking a responsible... Read More
Tips For Getting Your First Credit Card
Most of us get a credit card on our name... Read More
Why Consumers Need a Nationwide Credit Freeze NOW
What do a shoe retailer, an online discount broker, and... Read More
ChexSystems: Alternative Options for People Whove Been Checking Accounts
Individual banks elect to become members of ChexSystems, and to... Read More
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