Credit articles
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- 2007-11-13 22:16:19 - Dont fall for a scheme when trying to rebuild your credit history
- For people with a spotty credit history or bad credit, getting approved for a standard credit card can be difficult, if not impossible.There are a number of credit card options that are aimed specifically at people who have bad credit and are trying to rebuild or repair it. There are also, unfortunately, a lot of schemes to take advantage of the desperation to get a credit card when no one ...
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- 2007-11-13 22:16:19 - Understanding credit card penalties
- Because most of us have one or two credit cards and we use them every day, understanding credit card penalties and fees is a significant issue since one time or another we have paid a penalty for some reason. Every user of a credit card must first understand that every charge on the credit card represent a loan which must be repaid. It's like the loan for buying a house or a car; the same way thes...
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- 2007-11-13 22:16:19 - How can a qualified mortgage consultant help boost your credit scores?
- Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit scoring. It's important to have a mortgage professional in your corner that has a keen eye for solutions...
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- 2007-11-13 22:16:19 - How you can help prevent identity theft
- How can I prevent Identity theft from happening to me? Never leave your receipt or slip in the ATM or gas pump. Pay attention to your habits, lock up or organize and file your bills, and bank statements. Shred them using a cross shredder before throwing them away.In a recent article in MSN Money their research showed that 32% of people said they had been a victim of identity fraud by a frie...
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- 2007-11-13 22:16:19 - 3 free credit reports for you
- If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it.An amendment to...
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- 2007-11-13 22:16:19 - 7 ways to squash identity theft
- It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card number, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already done. Here are seven steps you can take to prevent identity theft.1. Guard your social security numbe...
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- 2007-11-13 22:16:19 - Free credit report offer - careful, it might carry hidden charges
- FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business?Don't worry about their finances. Start worrying about yours. They are offering you a FREE Credit report as a bonus. Their main offer is something else - they want to sell you "credit check monitorin...
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- 2007-11-13 22:16:19 - Credit trap: what they dont tell you about credit cards in college
- In industrialized nations, going into debt starts early. It's easy for an eighteen-year-old to get credit cards and fall into debt, especially if they're headed for college.I remember my first year in college as a 17 year old. Credit card offers were plastered all over the university campus. I don't know what saved me from falling into the credit trap when I was in college but many of my fr...
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- 2007-11-13 22:16:19 - Myths and truth about credit scoring
- Credit score is the key factor determining approval of almost any type of credit. It is based on the information contained in your credit report files. The widely used FICO score was developed by Fair Isaac Corporation, and it is a formula which assesses your potential credit risk.The information used to calculate credit score can be broken down into five major parts. Your payment history w...
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- 2007-11-13 22:16:19 - Big brother knows whats in your credit report - how about you?
- Whether you are aware of it or not, credit bureaus have been keeping tabs on you and how you use credit. When it's time for you to apply for a mortgage, credit card, or personal loan, your credit report is what lenders look at to decide to approve you or not.Information about you is collected and stored in national repositories. Every time you apply for credit, whether it's a retail store c...
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- 2007-11-13 22:16:19 - What is a bad credit history?
- A bad credit history can sometimes seem like a curse... whenever you apply for financing or for a loan, it always seems to pop up and cause you problems.Having a bad credit history can even cause you problems when applying for some jobs or other opportunities! Before you let it get under your skin, though, you should know that it is possible to live with (and even improve) a bad credit hist...
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- 2007-11-13 22:16:19 - How to repair a bad credit rating
- 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 scores and loan applications
- Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.59%, or $860 per month, while someone in the worst score range will pay 7.18%, or $1,016 per month. This can make a big differ...
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- 2007-11-13 22:16:19 - What you need to know about interest rates
- For all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differences in rates and payment amounts can be. Interest Rates are Compound. It is important to remember that what you owe is compo...
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- 2007-11-13 22:16:19 - Finding the right credit card
- There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you've seen? Take this little quiz to find out what you should look for in a card. First, Are You a Student? If you are, then you'll be best off with a student card ? you'll probably have trouble getting accept...
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- 2007-11-13 22:16:19 - How your credit rating affects you, and how to check it
- You might not know it, but every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit reference agencies are Experian, Equifax and Trans Union. They will provide your credit rating to any company that is thinking of lending you money. What is Inc...
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- 2007-11-13 22:16:19 - Why credit cards are a bad idea
- Credit cards are just so convenient, aren't they? There's no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven't been paid yet, then you don't need to worry, because the money will still be there.When you shop on the Internet or over the phone, it's the only good way to do it ? what else are...
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- 2007-11-13 22:16:19 - The credit card surprise that you need to look out for
- Companies that issue credit cards want to make a profit. No one disagrees with that. The problem is that, we as consumers have, is when they have hide or disguise what it really cost for you to use a card.Here are some ways that you could be paying more, not even knowing it for your credit cards.Those Teaser RatesAs these rates are low at the beginning but rise after six month...
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- 2007-11-13 22:16:19 - Why consumers need a nationwide credit freeze now
- What do a shoe retailer, an online discount broker, and a popular clothing retailer all have in common? All three - DSW Shoe Warehouse, Ameritrade, and Polo Ralph Lauren - sustained breaches to their customers' accounts. Unfortunately, these three are not alone when it comes to security breaches. CitiFinancial, Bank of America, LexisNexis and other companies have also experienced similar events....
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- 2007-11-13 22:16:19 - Five credit card billing problems and how to fix them
- It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it. If you do run into inaccuracies or problems, there are procedures to follow to report and deal with the cha...
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- 2007-11-13 22:16:19 - Credit card security advice
- Which of the following is the biggest threat to your credit card security?a) Shopping online with a credit card b) Shopping in a real store with your credit card c) Ordering something over the phone with your credit cardThe answer may surprise you. It's b - shopping in a real store with a credit card. Despite all the controversy and publicity surrounding internet phishing and...
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- 2007-11-13 22:16:19 - Taking control of your credit history
- Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account. Payments such as the electric company, a rental agreement, a cell phone, a car payment or a low-r...
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- 2007-11-13 22:16:19 - Credit card incentives
- Credit card companies want your business. After all, lending money to people is profitable. Besides the interest fees that you'll be charged, the credit card company also collects a fee from merchants who accept their credit cards. In order to get your business, most credit card companies are willing to offer you some great incentives - not only to apply for one of their cards, but to use it for e...
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- 2007-11-13 22:16:19 - Good vs. bad credit debt
- Do you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation.The differences between good debt and bad credit debt will affect every loan you get and can even make the difference in getting a new job. Here are a few ...
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- 2007-11-13 22:16:19 - Dealing with and repairing bad credit
- Bad credit can be a burden for otherwise good credit. It may not seem fair at times that financial mistakes in the past can haunt you in the present, but with a little bit of work and some time bad credit can be turned around and repaired.The important thing to remember is that options exist even for people with bad credit? and that just because it's bad now doesn't mean that it always will...
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- 2007-11-13 22:16:19 - Credit and its cost
- What is Credit? Credit is money granted by a lender (or creditor) to a debtor (or borrower) whereby the lender defers receiving payment of the debt for a period. In exchange for the credit allowed, the lender will get back the money lent plus interest. The borrower has use of the money immediately, rather than waiting until the money required is saved up.It enables the borrower t...
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- 2007-11-13 22:16:19 - Credit score - reporting your financial health
- Credit score is one of the most basic, determining factor while loan borrowing. Credit score is the criterion for the creditor to ascertain whether to give you credit or not. Credit score is a powerful tool, if you what it is. Credit score is a three digit number which is consequential enough to decide whether you can own a house or a car and has considerable influence on how much your pay on your...
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- 2007-11-13 22:16:19 - Commercial collections and credit granting
- It is estimated that billions of dollars in delinquent commercial credit is currently being carried on the books of both American and international businesses. This figure changes as our economy grows or contracts. Increased competition, diversification of product lines seem to indicate that these figures will continue to move upward. Regardless of the state of either the national or international...
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- 2007-11-13 22:16:19 - Choosing the best credit card to apply for
- Always shop around to get the best deal when choosing which credit card to apply for. If you don't do your due diligence you could end up with a card that has too high of an interest rate, that has an unnecessarily high annual membership fee, etc. Here are some things to look for when checking out the different credit card offers you may receive in the mail.1. Credit Card Terms:When ...
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- 2007-11-13 22:16:19 - Identity theft ? additional protection for soldiers on active duty
- Congress passed the Fair Credit Reporting Act several years ago in an attempt to smooth out some problems in the credit reporting industry. The best known provision of this Act is one that permits Americans to receive a free copy of their credit reports from each of the three main credit bureaus once per year. So far, this provision of the Act has been a success. A lesser-known provision of the le...
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