Credit articles
Showing page 16 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - Learn how to improve your credit score
- Having a damaging credit record can hurt you in many ways. It may prohibit you from making an important purchase such as a home, car, computer or vacation. Without a healthy credit report you are severely limiting yourself from possible lenders. If you do find a lender you will undoubtedly be charge exorbitant interest rates far exceeding what recipients would receive if their credit history is in...
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- 2007-11-13 22:16:19 - Free credit reports now available from the ftc
- The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) where US residents can obtain free copies of their credit reports from the three major credit report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair and Accurate Credit Transactions Act enacted last December. The site was set up in an effort to help fight the increasing ...
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- 2007-11-13 22:16:19 - 10 ways to boost your credit score
- 1. Deleting Errors in 48 HoursThis is the absolute fastest way to correct errors on your credit report and raise your credit score. However, it can only be done through a mortgage company or a bank. If you apply for a home loan and find errors on your credit report, request the loan officer to conduct a Rapid Rescore. But don't mistake it for the credit clinic tactic of multiple dispute let...
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- 2007-11-13 22:16:19 - What you need to know about credit cards
- What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you owe or make a minimum repayment. Other kinds of cards include: 1) A cheque guarantee card, issued by your bank, that you can us...
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- 2007-11-13 22:16:19 - Balance transfers introduction
- Credit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card. The main benefit of balance transfer is a money-saving one. In the competitive credit card market an increasing number of companies are offering a 0% interest rate for a fixed period on balance transfers made by ne...
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- 2007-11-13 22:16:19 - Credit card balance transfers explained
- 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, norma...
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- 2007-11-13 22:16:19 - Useful tips when choosing credit cards
- 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 a form of borrowing that often involves charges. Credit terms and conditions affect...
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- 2007-11-13 22:16:19 - Credit reports: find out why you have been refused credit.
- You may already have 2 or more credit cards in your purse or wallet and you have just applied for a third and been declined. This can be very frustrating considering you pay off your other credit cards regularly and you are continually having your credit limit raised.This is a common problem and the only way to find out more is by getting a copy of your Credit Report. Equifax and Experian a...
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- 2007-11-13 22:16:19 - Looking for that low interest credit card?
- If you have been shopping around for a Low Interest Credit Card you will notice that the UK market is awash with Credit Card companies offering low rates to entice you to apply for their Cards.There has never been a better time to consolidate your credit cards and get a far better interest rate. There are many offers out there but they all offer pretty much the same thing. The only thing th...
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- 2007-11-13 22:16:19 - Student credit cards
- STUDENT CREDIT CARDS With graduate debt averaging over £12,000, the ability to spread the cost of further education using a student credit card is obviously attractive. Adding to their appeal is the fact that these cards are relatively easy to obtain. Unlike many standard credit card...
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- 2007-11-13 22:16:19 - Searching for a low interest credit card?
- These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low interest credit card. Others pay off their card each month and so don't pay any interest. They are more concerned with having a credit card that has no annual ...
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- 2007-11-13 22:16:19 - Credit card rates - 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 - Some truth about credit
- Credit is currently and has been historically an integral component of our economy. Credit contribute a person's net worth, and financial power. No matter who you are or what type of business you are considering, credit is a vital component to be considered when developing your business idea and business plan.Your credit history and status will always be a factor when lenders consider finan...
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- 2007-11-13 22:16:19 - Get your credit score to soar in the twinkling of an eye
- Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans. Here's how credit scoring works in helping decide who gets credit -- and why. ...
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- 2007-11-13 22:16:19 - Like it or not, you have a score to settle!
- Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring)Just when most people finish with school and can stop worrying about test scores, there's a new kind of scoring that enters the picture. It's called credit scoring. And, its impact on your financial future can mean more to you than a college degree.You may never know your precise credit score, but you need...
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- 2007-11-13 22:16:19 - Give yourself credit
- The Beginning of the Credit Card EraIn 1951, Diners Club issued the first credit card to 200 customers who could use it at 27 restaurants in New York City. From that modest beginning, credit cards have become an indispensable part of modern life. Consumers rely on credit cards to help them achieve their lifestyle goals by letting them take advantage of special bargains, spread payments out ...
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- 2007-11-13 22:16:19 - Special credit information for married couples
- If you are married, establish separate credit accounts.Try to finance real estate in just one partner's name to increase your investment financing potential.Avoid joint credit, which limits financing possibilities for both individuals rather than one at a time. Accounts in one partner's name only count against that individual's credit.In other words, when applying for an indiv...
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- 2007-11-13 22:16:19 - Dont fall for credit repair scams
- We've all seen the ads on television or in magazines, shouting, "Erase bad debt!" or "Remove negative entries from your credit report!" If you're a person suffering from a less-than-stellar credit rating, those headlines may seem like the answer to a prayer.The only problems is, those programs don't work, and to add insult to injury, you'll find yourself paying hefty fees to those companies...
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- 2007-11-13 22:16:19 - Credit help for real estate financing: five categories of your credit score
- 1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.Negative points lower credit scores because of 30 days, 60 days, and 90 days late on any debt. The dollar amount of these delinquencies also impacts credit scores. Severity of delinquency, how long past due, and number of delinquencies are nasty remarks on some cre...
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- 2007-11-13 22:16:19 - Credit help for real estate financing: credit scores
- When you buy real estate, lenders run all of the "big three" credit bureau reports. Each credit reporting agency lists your credit history as supplied to them by the individual lenders and includes governmental records. Each report assigns a credit score number to you. The credit scores reflect your theoretical risk of default to the lending institutions.Software developed by Fair Isaac and...
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- 2007-11-13 22:16:19 - Credit repair companies and credit counseling
- Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.Be careful with credit repair scams.Most "credit repair" companies really don't help. In fact, you can improve your credit more effectively on your own. By us...
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- 2007-11-13 22:16:19 - How to get credit reporting agencies to help you
- The process of clearing credit can be laborious and frustrating. Understanding your rights empowers you and saves you time and effort. By employing the following tips, you can enlist the help of credit reporting agencies (CRAs) as you work to improve your credit rating.A negative credit report hinders your quest for financing a house. You will have to do a lot of tedious work to clear up an...
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- 2007-11-13 22:16:19 - New credit advice: dont pay off those credit cards!
- Credit needed for real estate mortgage financing differs from credit needed for consumer loans. If you need help getting a home mortgage, these credit tips will help you.Contrary to what many credit advisors say, paying off credit cards each month is not always the best action to take. When making credit card payments, don't pay the balance in full each month -- let a little roll ove...
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- 2007-11-13 22:16:19 - 10 step credit repair guide
- The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies. You can get the credit reporting agencies to help you instead of hindering your excellent credit quest with these tips.1. Order credit reports....
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- 2007-11-13 22:16:19 - 14 common credit mistakes
- Establishing credit and wisely managing your credit becomes easier when you know how. You'll feel empowered by taking knowledgeable steps towards good credit, and you'll be on your way to purchasing real estate and greater financial freedom.If you plan to finance real estate, either as a home buyer or an investor, avoiding these common credit mistakes will help you with your credit score an...
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- 2007-11-13 22:16:19 - Good credit is king, when qualifying for mortgage programs
- If you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan. If you have outstanding credit, though, you are in the proverbial driver's seat, when it comes to selecting your loan program. Be sure to find a good mortgage consultant, and car...
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- 2007-11-13 22:16:19 - The easy way to gain access to your free online credit report
- When you apply for credit, those lending you the money want to know if you are going to pay them back. One way they decide if you are a good risk is to see how you've dealt with other people's money. They find this information in your credit report.Your credit is reported to three main credit bureaus and these bureaus then rate you. If you are planning to apply for credit, it would seem tha...
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- 2007-11-13 22:16:19 - 5 surefire ways to eliminate credit card debt
- Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an over-the-limit charge, and that number skyrockets. Imagine what you could do with that $1000 if it weren't being spent on interest.Let's imagine for a...
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- 2007-11-13 22:16:19 - 7 surefire ways to repair bad credit
- Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national 'disease.' And just what do people need that have a disease? They need a cure.Here are some sure-fire solutions to ' repair bad credit '. Keep in mind, like most 'diseases,' credit repair can take some time, but complete healing is p...
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- 2007-11-13 22:16:19 - 4 steps you can take if your online credit card application has been refused
- Help! I've Been Turned DownYou received an envelope in the mail with a great offer for a low interest credit card. You read all the details, even the boring small print and decided that this card fit your needs to a tee. You filled out the required forms and anticipated the day that the card would arrive ? you even got to pick which background you got. However, what came in the mail was not...