Credit articles
Showing page 15 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - How to avoid credit card late fees
- Everyone hates late fees and being late will cost you dearly these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time. This can put a nice sized hole in your pocket really quick.Below, I will provide you with some tips and strategies on how to steer clear of those monstrous late fees. This will not only save you a lot of money in the long...
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- 2007-11-13 22:16:19 - Credit cards for people with bad credit scores
- Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will still show a delinquency. A stolen identity can also leave you feeling violated and unable to resume a normal life with credit. It is during these times you ...
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- 2007-11-13 22:16:19 - Top 5 reasons to check your credit report regularly
- #1 Make sure mistakes aren't hurting your credit.Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Other studies have shown similar results with as high as a 70% error rate. The most common error occurs when the information of another person, with a similar name or account number, is recorded in ...
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- 2007-11-13 22:16:19 - Credit establishment 101
- There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you. Most people secure credit cards ...
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- 2007-11-13 22:16:19 - Lower your credit card interest rate now!
- With today's credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. People often just pay the minimum balance as a way to improve their credit rating; thi...
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- 2007-11-13 22:16:19 - Negotiating rates with your credit card company
- Ok, let's face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good news however is that it doesn't have to be a difficult or time-consuming process. In fact, it can be very easy indeed if you know what you're doing. In this ...
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- 2007-11-13 22:16:19 - How creditors measure your credit rating
- Creditors will measure your credit rating based on the following three main things.CapacityCollateralCharacterThe three "C's" show creditors your:"Capacity" or income to pay the debt"Collateral" or assets to secure the obligation"Character" shows your compliance to repay the debt1. ...
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- 2007-11-13 22:16:19 - How to dispute credit report errors
- Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications...
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- 2007-11-13 22:16:19 - Can you acquire good credit overnight? you bet
- Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to credit bureaus : Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't.If you've been told that you were denie...
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- 2007-11-13 22:16:19 - Beware of bogus credit repair companies!
- So-called "credit repair" companies claim they can remove negative information from credit reports. Advertising as "Credit Advisors," "Credit Rating Correction Services" or "Credit Consultants," they trumpet variations on this message: "Turned down because of bad credit? We can help!" Many of these companies charge hundreds if not thousands of dollars for the promise to "clean up" bad credit repor...
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- 2007-11-13 22:16:19 - Supercharged secret 1 of 5 - credit card utopia
- I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!Note: The following is part 1 of a 5 part series. Over the course of these next 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you've ever seen before. I li...
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- 2007-11-13 22:16:19 - Supercharged secret 2, credit card utopia
- INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!Note: The following is part 2 of a 5 part series, Over the course of these 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you've ever seen before. I like to call thi...
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- 2007-11-13 22:16:19 - Supercharged secret 3, credit card utopia
- TURBO-CHARGED KILLER RATE SAVING INFORMATION!Let's just take a brief moment to recap:If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 2 very important things:You now know how to take advantage of zero to low interest credit card offers.You now know that there is safety in...
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- 2007-11-13 22:16:19 - Supercharged secret 4, credit card utopia
- YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER!Let's just take a brief moment to recap:If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things:You now know how to take advantage of zero to low interest credit card offers.You now know that there is safet...
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- 2007-11-13 22:16:19 - Supercharged secret 5, credit card utopia
- LIVING IN CREDIT CARD UTOPIALet's just take a brief moment to recap:If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 4 very important things:You now know how to take advantage of zero to low interest credit card offers.You now know that there is safety in numbers, and you...
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- 2007-11-13 22:16:19 - 5 killer steps to avoid credit card scams!
- In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong. It happens to all of us at one point or another, as the FTC's study clearly shows. Everyone likes a magic trick, and none of us are fully ca...
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- 2007-11-13 22:16:19 - Triple aaa in 30 days
- Have you ever wonder about how to get good credit with spending alot of money. Well here is a little secret I used to get my credit back up to par.To work this plan you need at least $400 to begin. You should borrow this from your friends if necessary. Then go to a bank of your choice and deposit the $400 into a regular passbook savings account.Wait a few days for the account to be p...
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- 2007-11-13 22:16:19 - Borrowing on a credit card
- One of the easiest ways to borrow money of a financial institute is to use a Credit Card, available from all banks, building societies, and other financial organisations. The choices available are enormous, with a wide variety of interest charges, annual charges, loyalty schemes, and bonus points available. However there are two broad areas that you should look at:Annual Interest Rate...
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- 2007-11-13 22:16:19 - How a credit card can be your friend
- We have all heard countless stories of people over their heads with credit card debt-maxing out every card they own, then only being able to afford the minimum monthly payment. High interest payments shackle people to their debt for years, not to mention the significant income drain the finance charges have on their families.It is unfortunate that many Americans must live with this reality,...
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- 2007-11-13 22:16:19 - Make sure your credit report is correct to improve your interest rates and lower insurance premiums
- Did you know that you could make sure to get the best rates on your auto and homeowners insurance simply by having a good credit score.Additionally a great credit score will allow you to get the best interest rates on your credit cards, car loans and even your home mortgage. With interest rates as low and as favorable as they current are why shouldn't you take advantage of them?What ...
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- 2007-11-13 22:16:19 - The truth about credit
- 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 the lower your credit score will be.But there is a way to get loans and credit cards that...
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- 2007-11-13 22:16:19 - Beat credit card companies at their own game!
- Have you ever wondered how much money a credit card company makes? Have you ever wondered how much of that comes from late fees? Everyone has and if you haven't you should because most likely you own a credit card, which means that these late fees has or could directly affect you.As you have probably taken notice, credit card late fees are on the rise and have been so for awhile. There is e...
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- 2007-11-13 22:16:19 - Credit cards -- what you should know
- There are a lot of questions about using credit cards. Here's some important points for you:A quick look around on the Internet this morning shows that more than 9 million people in the UK do not pay off their credit card balances each month. (The principles of what follows are the same in the USA, or wherever you are right now.)The average balance left outstanding is over ̉ہ...
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- 2007-11-13 22:16:19 - Why should you use credit cards
- Believe it or not, the way society, especially the commercial side, is set up these days, the only alternative to using credit is to pay cash for everything. But it's actually quite hard to do that. For example, if you want to rent a car, you have to have a credit card, even if you pay cash for the rental. The reason for that is because once a company has your credit card with your signature, they...
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- 2007-11-13 22:16:19 - Simplifying your search for a new credit card
- Today, selecting the proper credit card can be a bit confusing to say the least. There are literally hundreds of offers from the major institutions eagerly competing for your business. The easiest way to shop for a credit card is to break them down into categories. There are seven major categories that all credit cards fall into. Each category is listed and explained below. Once you identify the p...
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- 2007-11-13 22:16:19 - Credit cards or store cards - which is better?
- Introduction In this article, a presentation is made of the differences between major credit cards and credit cards offered by specific stores to their customers. The purpose of this article is to provide a general overview of major credit cards and store cards to aid consumers in making decisions regarding which lines of...
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- 2007-11-13 22:16:19 - How to start a second seperate credit file!
- Your personal credit file is separated from those with the same or similar names by several factors, including a driver's license number, birth date, or spouse's name. Although these are three important identifying marks, the number one identifying mark on your credit report is your social security number. Since there is no one else in the United States with your number, your file is easily identi...
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- 2007-11-13 22:16:19 - Credit cards and how to choose them:
- It may seem like a simple question but its important to take into account a few factors when choosing your credit card. If you are in the enviable position of being able to pay off your card every month then you are amongst the few. If like most you don't then we can offer you some guidance.1.Interest rates: This is the most important factor to consider when managing your credit card debt. ...
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- 2007-11-13 22:16:19 - Credit cards: how to use them
- Credit cards can be a very quick way of getting into even more debt if you do not know how to use them properly. UK debt is now at an all time high and, excluding mortgages, Credit Cards are one of the main contributors.It's a lot easier to get a credit card than it is to get a mortgage or a loan. So it makes sense that more people own a credit card. With interest rates that are quite high ...
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- 2007-11-13 22:16:19 - Credit card 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...