Companies that issue credit cards want to make a profit. No one disagrees with that. The problem is that, we as consumers have, is when they have hide or disguise what it really cost for you to use a card.Here are some ways that you could be paying more, not... Read More
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
There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not... Read More
Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national credit counseling organization there are some very important factors to calculate before choosing the right credit counseling option for you. Here is a list of questions... Read More
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you?When you make purchases on a credit... Read More
If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.Once you have a bad credit rating, it might seem like there's nothing that you can do about it? but you don't have to believe that.... Read More
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
If you have ever fallen behind on your debts you already know that dealing with your creditors can be a hassle. Sometimes it can be downright humiliating. It doesn't have to be that way.With millions of people experiencing financial problems it is absolutely necessary for everyone to know and understand... Read More
If you're like most people, you probably own at least one.And like most people, you've maybe never thought what it's really costing you?At a recent conference held by the Fabian Society at London's Imperial college, one of the issues discussed was happiness, and, more specifically, why it seems to elude... Read More
1. Buy clothes at thrift stores. BEFORE you buy them, however, hold the clothing to the light to make sure there are no tears, check the seams under the arms, make sure the buttons are all there, and don't buy anything that you can't try on.2. Never buy anything that... Read More
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Whether you have no credit or damaged credit, secured credit... Read More
Your credit history is an important aspect of your life.... Read More
Ah, the sweet rewards of using credit!Not only do you... Read More
You hear people talk about credit reports all the time... Read More
There are a couple of reasons for this. You can... Read More
In addition to the APR (annual percentage rate) and the... Read More
When applying for a loan to purchase a car, the... Read More
If you find that creditors are calling you almost daily... Read More
Establishing credit and wisely managing your credit becomes easier when... Read More
Many credit card holders sign up for a credit account... Read More
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Secured Credit Card is similar to a prepaid credit card... Read More
If you're a college student, you probably already have a... Read More
When I received my first credit card in the mail... Read More
Always shop around to get the best deal when choosing... Read More
The credit card companies make billions each year in legitimate... Read More
There are not many of us who do not have... Read More
Mortgage loans are some of the most difficult loans to... Read More
A "rate tart" is someone who switches from one zero... Read More
How to Repair a Bad Credit Rating?The Right Way!If you... Read More
Credit card companies make their money on the 85% of... Read More
Credit Counseling and bankruptcy are both ways to relieve the... Read More
When you apply for credit one of the first things... Read More
Raising your credit score can be a fairly simple and... Read More
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Help! I've Been Turned DownYou received an envelope in the... Read More
Your credit report is a very important piece of the... Read More
The average American knows very little about bankruptcy. Most people... Read More
If you intend to apply for a loan, you need... Read More
Credit Scores That HurtIs your credit score being held against... Read More
Did you know that you could make sure to get... Read More
Having a better credit score not only represents easier access... Read More
Getting your first credit card is a big deal and... Read More
Ok, let's face it, everybody hates high credit card rates,... Read More
What FACTA means is that if you, as an individual,... Read More
Collection agencies are businesses that collect past-due bills and accounts... Read More
Several different types of credit cards offer several different options,... Read More
Most of us want a good credit report to obtain... Read More
With so many low interest credit cards on offer, how... Read More
When you apply for credit one of the first things... Read More
Let's be crystal clear, right up front. Paying someone to... Read More
Step I - Selecting A Collection AgencySelecting a credit collection... Read More
A "rate tart" is someone who switches from one zero... Read More
ChexSystems is a company that maintains a subscriber membership service... Read More
In their quest to get you to sign up for... Read More
If you're a college student, you probably already have a... Read More
Believe it or not, the way society, especially the commercial... Read More
Credit and charge card fraud costs cardholders and issuers hundreds... Read More
If you are married, establish separate credit accounts.Try to finance... Read More
You've just received a "pre-approved" credit card offer in your... Read More
Imagine opening your credit card statement one morning and discovering... Read More
What you might not know about credit.Some people don't know... Read More
If you have considered credit counseling as an option to... Read More
It is estimated that billions of dollars in delinquent commercial... Read More
It is important to know your credit rating for a... Read More
If you have a bad credit rating, then you might... Read More
What are the avenues available to businesses with weak credit... Read More
There are not many of us who do not have... Read More
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Your credit score may just be a little number, but... Read More
Is identity theft really that serious? Thousands of people every... Read More
Thinking of applying for a credit card with a reward... Read More
You can stop receiving credit card offers in the mail!... Read More
Martin Henderson is in a fix these days. Because of... Read More
"Cut Your Payments in Half!" the headline screams. "Consolidate Your... Read More
"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You... Read More
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