Credit articles
Showing page 3 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - Learn about prepaid credit card
- Prepaid credit cards also called stored value card can be ideal for individuals who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who have a hard time controlling their spending and prevent the individual from overspending and getting into credit card debt. If your objective is to establish or rebuild you c...
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- 2007-11-13 22:16:19 - Is your credit score being held against you?
- Credit Scores That HurtIs your credit score being held against you?More and more the staples of life depend on your credit score. Your mortgage, insurance premiums, employment opportunities and even your landlord may be using your credit score to determine your financial future.In some cases even the utility companies are basing the size of your deposit on your credit score. L...
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- 2007-11-13 22:16:19 - How to get out of credit card debt
- If you're like the average person, let me warn you ahead of time about what I'm going to reveal in the next few paragraphs. You may be angry after you finish reading this article about how you've been misled in the use of credit card debt.The American economy is designed to make you work yourself to the point of exhaustion, only to build wealth for those very same companies you work yoursel...
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- 2007-11-13 22:16:19 - Teaching students to keep out of credit card debt - the parents role
- Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect themselves from harm. In fact, up until the time that child is an adult, the parents have responsibilities in every part of that child's life, right up u...
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- 2007-11-13 22:16:19 - Opting for a credit card? check out certain terms
- You've just received a "pre-approved" credit card offer in your mail. Without wasting a minute you're ready to accept it, especially if it's the "before-the-offer-expires" one. Wait! Don't be in a hurry. Shop around a little and then make your decision about that credit card.Do you know that these "pre-approved" offers that pop up almost every time you open your mail are just gimmicks?...
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- 2007-11-13 22:16:19 - Bad credit loans for those who seek alternatives for new or old car
- You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders.Getting a Bad Credit Loan doesn't have to be like basic training. Someone with bad credit will more than likely have a tough time buying a brand new car at an affordable rate. Lenders are not willing to take a greater risk on a high priced vehicle if your credit has...
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- 2007-11-13 22:16:19 - Choosing the right credit counseling agency for you ? some tips part 2
- 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 for you to ask a credit counseling company before determining whether or not yo...
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- 2007-11-13 22:16:19 - Important things to know about divorce and credit
- Joint debts remain joint debts.Both spouses signed a legally binding contract with the creditor, and a divorce decree neither amends this contract nor relieves the creditor's investment in you. Amendment of any contract requires agreement by all parties, including the creditor, and proof of the amendment requires the signature of all parties. During a divorce, the creditors are not part of ...
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- 2007-11-13 22:16:19 - Online credit report and online credit reports
- Online credit reports are easily accessible to those interested in viewing them. If you have wondered about what kind of credit score you have, you can go on the Internet and look at your online credit report. Most people are concerned that they have good credit and a solid standing with where they are financially. This is an important factor because it pretty much makes or breaks someone's abilit...
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- 2007-11-13 22:16:19 - The fico score misconceptions
- There are many misconceptions about credit scores out there. There are borrowers who believe that they don't have a credit score. There are others who think that their credit scores don't really matter. These sorts of misconceptions can hurt your chances of gaining employment, obtaining preferred interest rates, and even your chances of qualifying for renting an apartment.The truth is, of y...
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- 2007-11-13 22:16:19 - The art of stoozing to make money from credit cards
- Make Money from StoozingStoozing, this is a sophisticated method of making money from credit cards that offer 0% introductory periods, the method requires cast iron discipline in never spending on the cards.But, I hear you all ask - what is stoozing and can I do it?Stoozing, in the simplest terms is borrowing money from credit cards that offer a 0% intr...
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- 2007-11-13 22:16:19 - Repair your credit - the right way!
- How to Repair a Bad Credit Rating?The Right Way!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. It's not as difficult as you might think to get by with a bad credit ...
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- 2007-11-13 22:16:19 - Credit report ? watch out for parking tickets
- The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function. Many government agencies at the state and local levels have turned over debt collection to collec...
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- 2007-11-13 22:16:19 - Annual credit report and free annual credit report
- Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of the...
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- 2007-11-13 22:16:19 - Compare credit card offers and reward yourself
- Here's a simple system on how to pay zero interest and get tons of free stuff. Almost everyone uses credit cards. But only a few thousand people out there take advantage of what the credit card industry is really offering.First thing a person needs to do to shift the credit card game in your favor is shop for the right card. Do you want a card who gives you cash back or do you travel and wa...
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- 2007-11-13 22:16:19 - How businesss mess up their credit policies
- In "Become the Squeaky Wheel" a book recently published, Michelle Dunn demonstrates the major areas a business should focus on to ensure a satisfactory customer experience.One mistake business owners make is not having a credit policy in place when they open their business. This can be easily corrected by implementing one at any time. "At the very least, every business should...
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- 2007-11-13 22:16:19 - Tips for choosing a credit card company
- Credit Cards are essential for any consumer today. However, when choosing a new credit card company, many people do not know what to look for. It is important to have a good company because bad credit card companies can lead users into quite a bit of trouble. Whether you are a college student getting your first credit card, or someone looking to switch, choosing the company and type is very import...
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- 2007-11-13 22:16:19 - Easing your financial burdens with credit counseling
- It is a well-publicized fact that more of us are getting ourselves into greater debt, and this may be true for you. The embarrassment of your financial situation can mean you are unlikely to seek credit counselling or other credit management solutions. Increased house prices and greater cost of living can force you to turn to heavy borrowing. While this works in the short term, it undoubtedly lead...
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- 2007-11-13 22:16:19 - Credit counseling -- why it doesnt work for most debtors
- "Cut Your Payments in Half!" the headline screams. "Consolidate Your Bills into One Low Monthly Payment!"When you see ads like this, they are often from Credit Counseling firms. In this article, I'll explain the principles behind the Credit Counseling approach and discuss the main problem consumers face when they join one of these programs.First, let's get our definitions straight. T...
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- 2007-11-13 22:16:19 - Read and understand your credit card statement
- Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don't take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you?.right on your credit report, and once there can stay with you a while.Adding to the challenge is that almost every creditor's statement is slightly differe...
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- 2007-11-13 22:16:19 - Maximizing credit card rewards
- In their quest to get you to sign up for their credit card, banks and financial institutions are coming up with more and higher incentives to entice you. Frequent flyer miles gave way to gas miles which opened the door for cash rebates and reward points to be used at 'our fine member merchants'. When most other things are equal (APR, annual fees, fees for transfers et al), the style of reward poin...
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- 2007-11-13 22:16:19 - Making sense of credit card fees
- In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances. The most common fees are listed below. To get a better idea of what your credit card may cost to use ov...
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- 2007-11-13 22:16:19 - Low interest credit cards: a thing of the past?
- With interest rates rising, low or zero percent credit cards may soon become a thing of the past. However, the wise shopper can still secure a low rate by carefully shopping around. Here are some ways you still get a bargain rate card:Contact Your Current Provider. Chances are the interest rate with your current credit card provider has been inching up for the better part of the past...
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- 2007-11-13 22:16:19 - Always avoid payment holidays
- Once you've been paying off a credit card for a while, you might be offered a 'payment holiday'. You'll get a letter, saying that since the company knows it's difficult for some families around Christmas (or whatever other excuse they think up), they're offering you a month off from paying, as a 'special present'. Why Would They Do That? Offers of payment holidays typically ha...
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- 2007-11-13 22:16:19 - How did a thief get my name? don?t be a victim of identity theft
- How do these people get my name? If you have a credit card, your name is sold to third parties, if you do not want this to happen, you must contact your credit card companies to inform them that you do not want your information sold. Check the privacy notice that comes with your bill. If you enter contests, your information becomes public. Also, when you buy a new product, and fill out the warrant...
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- 2007-11-13 22:16:19 - Fixing a credit report
- Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a free credit report from that agency within 30 days.A quick look and you'll have an idea why you were denied credit. Now how do you fix what you...
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- 2007-11-13 22:16:19 - The right way to credit repair
- 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. It's not as difficult as you might think to get by with a bad credit rating; with a little work and time you can even repair...
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- 2007-11-13 22:16:19 - Credit and loan help for mortgage loans
- Mortgage loans are some of the most difficult loans to receive if you have bad credit because lenders focus heavily on your credit score and history of making payments on time. However, there is credit and loan help for individuals interested in home mortgage loans.There are many online resources and loan counselors that will provide you with plenty of options for credit and loan help, but ...
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- 2007-11-13 22:16:19 - Credit cards - the basics
- How Lenders Operate ? And How They'll Make a Tidy Fortune from the UnknowingCredit card companies might seem like immensely clever, money making enterprises that exploit every loophole to maximize the interest payments ? and profits ? they are taking from you every month. Nothing, however, could be further from the truth. These financial institutions operate on simple principles and exploit...
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- 2007-11-13 22:16:19 - The exact action to take when you find errors in your credit report
- There are times when you may be turned down for credit and you do not understand why.According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on state benefits, or believe that your cr...