Credit articles
Showing page 11 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - Fair isaac corporation credit or fico score
- As I am not from the US, I had no idea what FICO meant before researching it. FICO stands for Fair Isaac Corporation, a company based in California. FICO, put simply, is a person's credit score. A credit score can be used by a potential lender in making a judgement on whether to grant you credit or not, for example when you apply for a new credit card or home mortgage. Therefore, if you are in the...
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- 2007-11-13 22:16:19 - Tips for credit card surfers
- Moving money from credit card to credit card to take advantage of interest free balance transfers and effectively borrowing money for free. It's even possible to make money by borrowing money, transferring the debt to an interest free card and investing the cash in a high interest savings account until the interest free period expires.However, if you plan on being a serial card surfer, ther...
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- 2007-11-13 22:16:19 - Is your credit score costing you money?
- Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses. What you don't know about your credit could be costing you money.Having a credit card means that you can order tickets, rent a car, and reserve hotel rooms. Besides these conveniences, your c...
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- 2007-11-13 22:16:19 - The next person with credit problems got their first credit card today!
- One of the focus areas of my information is the absolute necessity of changing the way a person thinks about money and debt while in the process of repairing their credit. I have seen cases where a couple will work really hard for months, and finally get their credit report to the place they can borrow again and go out and buy something on credit just because they can. And I relate so strongly, be...
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- 2007-11-13 22:16:19 - How a prepaid debit card can help you rebuild your credit
- Consumers today are up to their eyeballs in debt. And many people don't realize it until their good credit has been devastated.As a result, many credit repair agencies are popping up all over the internet, on television and in the newspapers making sweeping guarantees that they can erase your bad credit and remove bankruptcies, judgments, liens, and bad loans from your credit history - fore...
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- 2007-11-13 22:16:19 - Credit scoring: what you dont know can hurt you
- You've probably heard the term credit scoring. You may have some idea that your credit score can have an effect on your life. For example, you may understand that when you apply for a mortgage, the mortgage company will check out your credit score.But did you know that the interest rate you can get on your mortgage ?and on credit cards ? will depend heavily on your credit score? Did you kno...
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- 2007-11-13 22:16:19 - How to prevent fraudulent credit card transactions
- What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies?Customer wants to pre-pay for a yearDomain Name Registration for 5 years or moreOrders using free email address providers like Hotmail, Yahoo, etc.Usage of multiple cards to complete order.International address. AVS can not validate those international a...
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- 2007-11-13 22:16:19 - The ghost of expected surprises
- Here, Cratchet, what do you think you're doing?Uh, er, leaving sir.Leaving? It's 5 minutes to the hour. Shall I dock your pay accordingly.Uh, er, no sir.No sir? Well it's back to work for you then, and be quick about it. And I don't expect your mind to be off home before your body gets out the door either, what?Uh, er, no sir.Quite.Will you be doing...
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- 2007-11-13 22:16:19 - Credit card dirty tricks
- There are many of us that have been badly stung by credit card companies that have charged exorbitant fees to use their credit cards. Several years ago an APR of 25% to 29% was common place which in simple terms means that if you borrow £1,000 your interest on that money would be £250 to £290 a year. Criminal when you think of it but I suppo...
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- 2007-11-13 22:16:19 - Credit cards
- If gold medals were awarded for marketing consistency, the credit card industry would be the Sarah Hughes of the business world. Major players Visa and MasterCard, who have maintained their steady rates of spending and commitment to their positioning platforms for years, will stick to their established routines this year. Freshening their programs will be updated creative and the occasional push b...
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- 2007-11-13 22:16:19 - Choosing the credit card that is right for you
- Credit cards represent an important part of our financial lives. Having the right credit cards is essential and will make a big difference to your finances. Before choosing the right credit card you must shop around for one. First make an idea on what credit cards are available on the market from the numerous offers that are always coming to your mailbox. Yet, don't relay too much on them a...
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- 2007-11-13 22:16:19 - All about balance transfers
- What is a balance transfer?A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or loan to a credit card with a offer interest rate (usually 0%) for a set period. It does not have to be the entire amount. The card receiving the balance will an interest rate for a set term, normally 6 mont...
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- 2007-11-13 22:16:19 - Credit card shocker
- Have you ever looked at your credit card statement? I'm not talking about just making sure that all the transactions are correct. I'm talking about looking at the finance charges. I daresay that sometimes that figure is almost as great as the minimum monthly payment you're making. After all, as long as you can keep the creditors at bay by paying the minimum, that's all you care about, right? If yo...
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- 2007-11-13 22:16:19 - Rewards cards: are they worth it?
- Virtually all consumers will have a credit card at some point in their lives. Is this an understatement? Probably, as most consumers carry multiple credit cards. Selecting a credit card should not be something taken lightly; card companies are constantly looking for new consumers, but only after wisely comparing offers should you select a provider. Pick a company that will give to you a reasonable...
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- 2007-11-13 22:16:19 - Fight credit card fraud with common sense
- By now, you have undoubtedly heard of credit card fraud, an alarming and damaging trend that is sweeping the country. Here's the bad news: It is disturbingly easy for thieves to obtain your credit card number--usually from discarded receipts or even directly from you. For instance, many solicitors masquerade as legitimate businesspeople--like those who offer vacation packages, for instance--when, ...
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- 2007-11-13 22:16:19 - Protect yourself against identity theft
- Identity theft is when someone uses, without permission, your personal information in order to commit any frauds or crimes. Identity theft is a felony that is becoming more and more common. That is because some of us are not very careful with personal information, making the job easier for those trying to steel our identity. We should always be careful with information like Social Security number,...
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- 2007-11-13 22:16:19 - 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 people with problem credit to try to improve their score in hopes of obtaining a home o...
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- 2007-11-13 22:16:19 - Learning the disturbing facts about credit card debt
- When I received my first credit card in the mail at age 18 I was ecstatic, I said to myself, wow now I'm getting somewhere in life. This credit card company thinks I'm worthy of 500 dollars in credit. So I made my monthly payments like a good consumer and watched my credit limit grow. I thought boy this company must think alot of me to take such a risk. I however had no idea how the money came int...
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- 2007-11-13 22:16:19 - What is credit card and debit card blocking?
- Have you ever been told you were over your credit card limit, or had your debit card declined, even though you knew you had available credit or money in your bank account? If this happened shortly after you stayed in a hotel or rented a car, the problem could have been card "blocking."What is Blocking?When you use a credit or debit card to check into a hotel or rent a car, the clerk ...
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- 2007-11-13 22:16:19 - Beware the shopping mall monster
- 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 the clothing item of your dreams.That can be a pain, though, if this month's paycheck isn't due ...
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- 2007-11-13 22:16:19 - Is plastic making you happier?
- 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 so many of us.One of the conclusions reached was that one of the greatest ...
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- 2007-11-13 22:16:19 - 0% credit cards
- These days, credit cards in the UK are competing with each other on two very attractive offers with a headline rate of 0%. These 0% credit cards will be either balance transfers; introductory purchases offers or a combination of the two. This article looks at how to get the best out these types of card and the things to that the credit card companies want you to do and therefore the things to avoi...
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- 2007-11-13 22:16:19 - What to look for in a credit card
- When you are deciding what type of credit card to get it is important to compare credit cards to each other and find the best deal for you. There are a variety of different credit cards available, from low interest cards, cash back cards and even reward credit cards, it's hard to decide what exactly the best credit cards are.The best credit cards are generally going to have a few things in ...
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- 2007-11-13 22:16:19 - 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 gas and automobile repairs. On the other hand, it's very easy to abuse department store credit cards. And it's easy to have too many credit...
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- 2007-11-13 22:16:19 - What are the most common credit card mistakes?
- Now in a world with so many easy to get credit cards it can be easy for someone who is a first time credit card holder, or even someone who has several credit cards in the past to make mistakes when using the card.One of the most common mistakes when using credit cards is to use the credit card to make purchases of things you are not really able to afford. Easy to get credit cards make it t...
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- 2007-11-13 22:16:19 - Finding reputable credit card companies
- You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure. What do you do?First, don't look for the best credit cards in your email box; and don't pick out your small business credit cards from your daily junk mail. While these ar...
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- 2007-11-13 22:16:19 - Five debt negotiation facts
- These five debt negotiation facts along with a few debt reduction planning tools gives you the ability to control your own debt. For many people today credit card debt is a mounting problem and very few know how to successfully negotiate debt settlements.If you want to learn how to successfully negotiate with your creditors, follow the five debt negotiation facts below which offers you some...
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- 2007-11-13 22:16:19 - Cash advance ? how does it work?
- If you want a cash advance or a payday/paycheck loan, you usually get a personal check. Some companies use your bank account or credit card in addition to or instead of a check. This means that you have to write a check that is to be cashed or you have to agree to have an amount withdrawn from your bank account at a certain date in future (usually 14 days). After filling-in the agreement or contra...
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- 2007-11-13 22:16:19 - How do i establish a good line of credit?
- A line of credit, roughly defined, is the amount of credit that can be given to a borrower from a lender. Usually a contract or note of promissory is exchanged between the two parties, in which both parties agree to the line of credit amount, as well as the annual interest due to the lender at the end of the term.Line of credit can be anywhere from a paltry sum such as twenty dollars, to a ...
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- 2007-11-13 22:16:19 - A debt mentality
- While working through my own debt situation, and helping others resolve their life issues regarding debt and credit, it never ceases to amaze me how similar the life stories are and how profound is the effect of debt on the way a person thinks about life, irregardless of how much money they have or don't have.I remember being in junior high school hearing my father say something to the effe...