Credit articles
Showing page 13 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - Free credit report - really
- 2005 marks the year that consumers will be able to get a free credit report each year. The roll out of the Fair and Accurate Credit Transaction Act signed into law by President Bush actually began last December 1. If you didn't know about it, don't worry. You haven't missed the boat. Not everyone is eligible to get their credit report. The Federal Trade Commission (FTC) is allowing the credit bure...
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- 2007-11-13 22:16:19 - Bankruptcy myths busted
- The average American knows very little about bankruptcy. Most people probably are aware of bankruptcy's ability to dissolve debt and give the debtor a fresh start. Some of the information you might have heard is correct, but some is not. The purpose of this article is to dispel some of the most common bankruptcy myths.1. Even if I file for bankruptcy creditors will still harass me and my fa...
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- 2007-11-13 22:16:19 - Legislators ponder new credit protection laws
- 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 the right to receive a free annual copy of your cre...
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- 2007-11-13 22:16:19 - Credit help for renters and others on the horizon
- Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sue's on-time mortgage payments are reflected in her credit score profiled by the three major credit bureaus; Equifax, Experian and Trans Union.Joe on the other hand is a renter, who wants to buy his first home in the near future. He pays his rent on time every month as well as his phone and utilit...
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- 2007-11-13 22:16:19 - 5 ways to raise credit score
- It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score falls under 620 just getting loans and credit cards with reasonable terms is difficult.There are more than 30 million people in the United States that have credit scores under 6...
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- 2007-11-13 22:16:19 - The top 5 secrets to managing your credit cards?so they won?t manage you
- You've probably never heard of Frank X. McNamara, but he revolutionized the way you shop on a daily basis.One evening in 1949, McNamara-head of the Hamilton Credit Corporation in New York City-was dining out with two business associates. Their topic of discussion: one of McNamara's clients, who was defaulting on a loan because he had shared his gasoline and department-store credit cards wit...
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- 2007-11-13 22:16:19 - Your consumer rights
- 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 their rights as a consumer.Federal law requires that you receive fair and equal t...
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- 2007-11-13 22:16:19 - Building good business credit after bad credit
- Can you establish good business credit if you have bad personal credit? The answer is yes...but with a few caveats.Business credit reports and personal credit reports are generally completely separate databases for legal reasons. However, there are some exceptions in terms of how independent that information may be:-- If you are operating as a sole proprietor or Limited Liability Com...
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- 2007-11-13 22:16:19 - 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 Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name, or uses an existing credit card of yours.Did y...
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- 2007-11-13 22:16:19 - How to boost your credit score
- Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, announced they would begin sharing credit scores, also known as FICO scores, with consumers.What is a credit score? A credit score is a tool used by credit grantors to determine your ability to repa...
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- 2007-11-13 22:16:19 - 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, credit card companies need your business in order to succeed and if you refuse to pay a penny more than you have to then you'll be doing yourself and othe...
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- 2007-11-13 22:16:19 - Shoppers beware - tis the season
- It's the number one complaint from consumers and it only takes a moment for you to become a victim. While you search for holiday bargains, identity thieves are searching for targets - unsuspecting consumers. Here are some tips to help you safeguard your identity and other valuables:1) Protect your account numbers - Most stores only print the last four or five digits of the charge account on...
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- 2007-11-13 22:16:19 - New law provides free annual credit report
- As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactions Act creates a central source consumers can use to obtain a free annual credit report.Equifax, Experian, and Transunion,the three largest credit reporting agencies, have set up a special site w...
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- 2007-11-13 22:16:19 - Everything you always wanted to know about your credit report
- 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 report and tells you everything you always wanted to know about your credit report but were afraid to ask....
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- 2007-11-13 22:16:19 - Tired of being broke?...learn how to force banks to give you money!
- Imagine...obtaining credit that's incredibly easy...opening doors of opportunity you never even considered being possible. Credit which will allow you to take the dream vacation of a lifetime, drive luxury cars, dress in the latest fashions, achieve the American dream of owning your own home, or even start your very own business. With these time-tested proven step by step strategies, all of this c...
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- 2007-11-13 22:16:19 - Ways to look good without selling your soul to the credit card sharks
- 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 doesn't fit.3. Find out what your colors are and only buy those colors. I attended a workshop to figure out that I am ...
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- 2007-11-13 22:16:19 - Avoiding id theft and credit fraud
- Article excerpted from the new book, "How to Do Space Age Work with a Stone Age Brain" TM copyright 2004, all rights reserved, by Eve Abbott, the Organizer ExtraordinaireEach year billions of dollars in credit fraud is perpetrated on unsuspecting citizens. With so much personal information publicly available (or easily available to someone with medium computing skills) it is essen...
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- 2007-11-13 22:16:19 - Credit report and correction techniques
- The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information. The information compiled by them is used to determine whether you would be a good borrower. It may also be used by a bus...
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- 2007-11-13 22:16:19 - How you can avoid becoming a victim of identity theft
- To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take.The most important one is to ask periodically for a copy of your credit report. This is crucial because it is the surest and quickest way to determine if someone is using your name. Your credit report should list all bank and financial accounts under your name, and will pr...
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- 2007-11-13 22:16:19 - Ten steps to building a good credit history
- Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what's on your credit report will determine if you can get a loan or insurance and what rates you'll have to pay.If you're trying to build or repair your credit history, you have a daunting but not impossible task in fro...
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- 2007-11-13 22:16:19 - First major regulatory and legislative victory of 2005 for creditors and consumers
- Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse. The Telephone Consumer Protection Act would have required collectors to identify the registered name of their business in any pre-recorded messages to consumers or debtors. Since the name of many collection agencies indicates tha...
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- 2007-11-13 22:16:19 - When you are eligible for a free credit report
- By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that:1. You are unemployed and seeking employment in the next 60 days.2. You are receiving public assistance.3. You believe there are inaccuracies in your credit report due to fraud4. Also if you have been denied credit on the basis of informat...
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- 2007-11-13 22:16:19 - 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 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 from having your financial identit...
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- 2007-11-13 22:16:19 - Credit cards, merchant accounts, and your bottomline
- Q: I'm opening a gift shop and want to be able to accept credit cards. I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked. He did say that I would need something called "a merchant account" and something else called "a credit card processor." Beyond that he seemed as clueless as I am. I'm thinking about going to another bank. Can you explain how that...
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- 2007-11-13 22:16:19 - Fun with credit cards
- For those of us who know how to use them properly, credit cards can actually be quite fun and lucrative. To those who do not know how to use them properly, I would say that you should stop reading this column right about now, or at least I would advise you not to try any of this stuff at home. What I'm about to describe is not one of those illegal credit card schemes. Instead, I'm talking about ta...
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- 2007-11-13 22:16:19 - Have you checked your permanent record lately?
- As a young student I feared getting bad grades because I didn't want any bad marks on my "permanent record." Get an "F" in fifth-grade science and it goes in your record. Act up in Mrs. Brown's class? Yep, it's in your record too. Get caught using a swear word and it's not only in your permanent record but it goes right at the top! When you go to a parochial school like I did, ...
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- 2007-11-13 22:16:19 - Credit enhancements: seven tips for enhancing business credit transactions
- What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand wha...
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- 2007-11-13 22:16:19 - Credit repair myths and facts
- There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary. Negative items can be removed from your credit report and you can do it yourself. One does not need a credit repair "expert" or "law firm" to do it either. While the credit world can seem complex to the average individual, the basics are really simple once you ...
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- 2007-11-13 22:16:19 - Credit report disaster through mistaken identity
- I've got some very important info I want you to think very seriously about. I'm sure by now you've heard of Identity Theft,...heck you may have even been affected by it. I know many of my friends have.But how about what may potentially be even a more dangerous threat......."Mistaken Identity". That's right, "Mistaken Identity"! Throughout my career in lending, the absolute biggest problem t...
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- 2007-11-13 22:16:19 - Building your credit history
- Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit without having a good credit history. So, it is important to start building your credit history when you're young.When applying for a credit, if...
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