Understanding the Function of Credit
What is Credit?Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit... Read More
Credit Card Disclosure Table ? Do You Understand It All?
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances. The most... Read More
10 Step Credit Repair Guide
The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies. You can get the credit reporting agencies to help you... Read More
Credit Report ? How to Improve Your Credit Score
One of the great mysteries of life is how the three major credit bureaus (Experian, Equifax, and Trans Union) score credit. They all have secret statistical formulas for determining your credit score, but they are unwilling to divulge exactly what, exactly, constitutes your score. This can make it difficult for... Read More
Tackling Bad Credit
The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didn't even know that a credit record of our transactions is prepared by some credit reference agencies.Thanks to the... Read More
Credit Cards: Pros and Cons
Sure, there are a lot of problems with credit cards, but there are a lot of good things attached to them as well. For instance, if you have a small business, fleet credit cards can keep your books in order when you issue them to drivers of company vehicles for... Read More
How Healthy Is Your Credit
There's only one way to discover the "health" of your credit. You need to examine your credit report. Your credit report is your "consumer identity" that potential lenders will use to judge your credit worthiness.Use these tips to give your credit profile the "tune-up" it needs for 2004.Tip #1- Check... Read More
Maximizing Credit Card Rewards
We spend money every single day on many different types of products and services and the banks' newest offer is that of saving when spending if you use their services; that is if you pay for your expenditures with special credit cards. These credit cards are part of a wide... Read More
Its Your Credit - Take Care of It!
Thanks to the Fair and Accurate Credit Act, American consumers can receive a free annual credit report from each of the three major credit bureaus-Experian, TransUnion and Equifax. You can order your free credit report by visiting www.annualcreditreport.com or calling 1-877-322-8228.Monitoring your credit report regularly will ensure that you can... 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
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Various Types of Credit Cards - Part 2
Several different types of credit cards offer several different options,... Read More
Bad Credit Credit Cards
Chances are you've gotten your share of offers like this... Read More
What To Look For In A Credit Card
When you are deciding what type of credit card to... Read More
SuperCharged Secret 5, Credit Card Utopia
LIVING IN CREDIT CARD UTOPIALet's just take a brief moment... Read More
Which Business Credit Cards with Reward are the Best?
Thinking of applying for a credit card with a reward... Read More
Which Credit Bureau Should I Use To Check My Credit Report?
There are three main credit bureaus in the United States;... Read More
How To Read Your Credit Report
The Fair and Accurate Credit Transactions Act, signed into law... Read More
Credit Report ? Watch Out for Parking Tickets
The economic downturn of the last five years has affected... Read More
Different Ways to Borrow Money
There are many different ways to borrow money. Outlined below... Read More
Free Credit Reports - How to Maintain Your Credit Profile
Maintaining your Credit ProfileEvery consumer should be maintaining their credit... Read More
Finding What is on Your Credit Report
A credit report is basically a file about you kept... Read More
Bad Credit? No Credit? Yeah, Its a Problem.
Many companies use the slogan "Bad Credit? No Credit? No... 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... Read More
Identity Theft ? Monitor Your Credit Report
The recent security breach at credit card processor CardSystems Solutions... 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
Sound Advice For First Time Credit Card Users
If you are just entering the world of credit cards,... Read More
Dont Trade Your Future for Todays DooDads
"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You... Read More
Credit Repair Scams
"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've... Read More
What Should I Do If I?ve Become a Victim of Identity Theft?
Identity thieves take advantage of everyday opportunities to discover your... Read More
Credit Report Secrets: Do You Know What They Reveal?
If you've ever applied for a credit card or loan,... Read More
Minimize your Risk for Identity Theft
Identity theft is the fastest growing crime in America. According... Read More
Dealing With A Collection Agency
Step I - Selecting A Collection AgencySelecting a credit collection... Read More
Tackling Bad Credit
The first time I heard the term credit history was... Read More
Credit cards
If gold medals were awarded for marketing consistency, the credit... Read More
Rewards Cards - Are They Right For You?
Rewards cards have become the latest rage in the credit... Read More
The Exact Action To Take When You Find Errors In Your Credit Report
There are times when you may be turned down for... Read More
Credit Cards: How To Use Them
Credit cards can be a very quick way of getting... Read More
4 Steps to Creating Good Credit
As a consumer you've learned the importance of establishing a... 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
What is on Your Credit Report?
Your credit report is a very important piece of the... Read More
Good Credit -- Essential for the Prospective Home Buyer
Credit is a funny thing. It can be a useful... 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
Credit Repair: How To Deal With Your Creditors
If you are in danger of credit problems because you... Read More
What Are The Most Common Credit Card Mistakes?
Now in a world with so many easy to get... 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
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
Learning the Disturbing Facts about Credit Card Debt
When I received my first credit card in the mail... Read More
Credit Report And Correction Techniques
The three major credit bureaus, Experian, Equifax and Trans Union... Read More
Borrowing on a Credit Card
One of the easiest ways to borrow money of a... Read More
A Debt Mentality
While working through my own debt situation, and helping others... Read More
Dealing With A Collection Agency
Step I - Selecting A Collection AgencySelecting a credit collection... Read More
Beware of Falling Minimum Payments
If you opened a credit card statement recently and were... Read More
Sound Advice For First Time Credit Card Users
If you are just entering the world of credit cards,... 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
Balance Transfers Can Help You Stop Putting Money Down The Drain!
As you probably know, interest rates are at all time... Read More
Credit Repair Companies and Credit Counseling
Let's be crystal clear, right up front. Paying someone to... Read More
When You Are Eligible For A Free Credit Report
By Federal law, you are entitled to one free credit... Read More
Avoiding College Credit Card Traps
Congratulations college freshman! You're about to embark on one of... Read More
Credit and Banking Money Saving Services
The first rule when applying for banking and credit services... 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
Opting For A Credit Card? Check Out Certain Terms
You've just received a "pre-approved" credit card offer in your... Read More
Credit Score: The Brightest Feather In Your Financial Cap
Credit scores are the most important aspect that determines your... Read More
14 Common Credit Mistakes
Establishing credit and wisely managing your credit becomes easier when... Read More
Credit Card Incentives
Credit card companies want your business. After all, lending money... Read More
Your Credit Score
Credit scores: all lenders use credit scores to determine interest... Read More
Secured Credit Cards- Consumer Tips
Whether you have no credit or damaged credit, secured credit... Read More
Credit Score - Reporting Your Financial Health
Credit score is one of the most basic, determining factor... Read More
Compare Credit Card Offers and Reward Yourself
Here's a simple system on how to pay zero interest... Read More
Choosing A New Credit Card
1. Choosing A new credit cardThere are many reasons for... Read More
Bankruptcy Myths Busted
The average American knows very little about bankruptcy. Most people... Read More
Beat Credit Card Companies at Their Own Game!
Have you ever wondered how much money a credit card... Read More
How To Get Out Of Credit Card Debt
If you're like the average person, let me warn you... Read More
Comprehending a Credit Report
Obtaining a credit report is an excellent way to begin... Read More
Collection Agencies: What Do They Do?
Collection agencies are businesses that collect past-due bills and accounts... Read More
Dont Dig Your Own Pit
If you want to enjoy your life out of spending,... Read More
How to Save Money on Your Credit Cards
Credit card companies make their money on the 85% of... Read More
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