Building a good credit history is important. If you have no reported credit history, it may take time to establish your first credit account. This problem affects young people just beginning careers as well as older people who have never used credit. It also affects divorced or widowed women who... Read More
The nightmare of identity theft strikes an estimated 750,000 people every year. How can you keep from being one of them? While there is no guarantee that you won't become a victim, there are some steps you can take to decrease the risk and protect yourself.According to the Federal Trade... Read More
Your credit report is a very powerful report that essential controls what you can and cannot do in your life. Unfortunately many people aren't aware of what a credit report actually is and what information is contained on the report. This article breaks down what is contained on your credit... Read More
WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements. With Hire Purchase and Conditional Sale Agreements, you do not own the goods until you have... Read More
Legislators in Washington, D.C. are considering several credit-related consumer protections as outlined in The Fair and Accurate Credit Transaction Act of 2003 (H.R. 2622). If approved, consumers could benefit from the most wide-ranging changes to the rules covering consumers and credit in decades.One of the most important changes would be... Read More
It wasn't all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control?Despite the fact that... Read More
What you might not know about credit.Some people don't know about a loop hole in the credit reporting system.You probably know that a loan in your name gets reported to the credit bureaus. And this borrowed money shows up on your credit report.The more you owe on your credit report... Read More
For all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differences in... Read More
Someone impersonating you could be spending your hard-earned money.Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that identity fraud affected and estimated 3.3 million Americans; costing consumers $3.8 billion and business $32.9 billion.Here are 10 ways to protect yourself... Read More
Like me, you've probably been offered a fair old number of these by now.....and, if you're like most people, chances are you maybe own at least one or two.They always seem to put in an appearance at just the right (or wrong) moment...It might be Saturday and you've just seen... Read More
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It goes without saying that your first and best defense... Read More
In addition to the APR (annual percentage rate) and the... Read More
Whether you have no credit or damaged credit, secured credit... Read More
Q: I'm opening a gift shop and want to be... Read More
Having a better credit score not only represents easier access... Read More
Do you have enormous credit card debt? You are certainly... Read More
Millions of Americans suffer because of bad credit these days,... Read More
Consumers often have the first credit card that they ever... Read More
Identity theft statistics are shocking. And we are told that... Read More
YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER!Let's... Read More
Spending HabitsSo you've just got your credit card. The first... Read More
With interest rates rising, low or zero percent credit cards... Read More
Martin Henderson is in a fix these days. Because of... Read More
Credit cards are a form of unsecured credit. The issuer... Read More
Credit Cards can bankrupt you if you let them run... Read More
A good credit reward card can contribute to your retirement... Read More
Establishing credit is one of the most important things you... Read More
If you've ever applied for a credit card or loan,... Read More
For people with a spotty credit history or bad credit,... Read More
You've decided to apply for a Citi MasterCard, but with... Read More
Credit counseling is a free service that many people with... Read More
If you've ever applied for a credit card or loan,... Read More
A line of credit, roughly defined, is the amount of... Read More
Ok, let's face it, everybody hates high credit card rates,... Read More
Today, selecting the proper credit card can be a bit... Read More
Negotiable instruments like checks and drafts have become an indispensable... Read More
You've probably never heard of Frank X. McNamara, but he... Read More
Most families in America today have a credit card; some... Read More
If you're a college student, you probably already have a... Read More
"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've... Read More
If gold medals were awarded for marketing consistency, the credit... Read More
With all my bills who would possibly want my credit?... Read More
Debt negotiation on credit cards is often referred to as... Read More
In addition to the APR (annual percentage rate) and the... Read More
With all my bills who would possibly want my credit?... Read More
Here's a dirty secret, today's "non profit credit counselors" are... Read More
Let's face it, if you are facing the possibilities of... Read More
1. Payment History -- 35%The number of accounts paid as... Read More
Individual banks elect to become members of ChexSystems, and to... Read More
By far the greatest invention the banks have ever come... Read More
In my previous article "Establishing Credit ? What You Need... Read More
Q: I'm opening a gift shop and want to be... Read More
Sue is a homeowner and pays her mortgage and other... Read More
Some credit cards offer a cash advance option. But how... Read More
There is a lot of confusion surrounding UK credit ratings,... Read More
Credit repair, is in a word, vital to reestablishing your... Read More
The Beginning of the Credit Card EraIn 1951, Diners Club... Read More
Credit card debt is a major social problem in some... Read More
You might not know it, but every time you take... Read More
It is important to know your credit rating for a... Read More
Here, Cratchet, what do you think you're doing?Uh, er, leaving... Read More
What is trade credit?One of the major differences between consumer... Read More
When credit cards are used wisely they can be very... Read More
This summary of the Fair Credit Reporting Act will explain... Read More
Making Your Credit Rating Work For YouOne of the basics... Read More
Martin Henderson is in a fix these days. Because of... Read More
Most people who carry major credit cards are well aware... Read More
Getting your first credit card is a big deal and... Read More
There's only one way to discover the "health" of your... Read More
What is a balance transfer ? A balance transfer can... Read More
Everywhere we go, the word credit can be found, shining... Read More
For years, major credit card companies have allowed cardholders to... Read More
It's the number one complaint from consumers and it only... Read More
You may already have 2 or more credit cards in... Read More
Establishing credit and wisely managing your credit becomes easier when... Read More
What are inquiries?When you apply for credit the creditor or... Read More
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