Credit articles
Showing page 5 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - It takes credit to build credit
- Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail. When you're trying to build a positive credit history for yourself, using the right credit card makes sense. Making small purchases and then making your paymen...
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- 2007-11-13 22:16:19 - What you need to know about debt negotiation on credit cards
- Debt negotiation on credit cards is often referred to as credit card debt settlement. Whenever you make a credit card payment- or even pay your utility bills- it usually gets reported to one- or all- of the three main credit agencies. This activity will influence your credit score, which will determine your future credit status. But what do you do, if you find that you can no longer make the minim...
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- 2007-11-13 22:16:19 - Automobile credit report
- When applying for a loan to purchase a car, the lender will want to take a look at a person's auto credit report. Credit reports tell lenders all they need to know about granting a loan to all applicants. When a person applies for a car, an auto credit report shows the lender what kind of credit or risk score a person has and the likelihood of an individual's ability to repay the new debt. An auto...
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- 2007-11-13 22:16:19 - Credit cards can help you get out of debt
- Your credit rating / credit score is based upon how you have dealt with credit previously. If you have always paid the full amount owing and never missed a payment then your credit score will be high. If you miss payments, been late paying, not paid in full each month then your credit score will be lower. If you're trying to re-build your credit or if you're young and just starting out, pay close ...
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- 2007-11-13 22:16:19 - Which citi mastercard is right for you?
- You've decided to apply for a Citi MasterCard, but with so many different cards to choose from, how do you know which one is right for you? Here is a brief guide to the different types of MasterCard available from Citibank.A great MasterCard program is the Citi Platinum Select Card. It offers basic rewards, such as an 0% Annual Percent Rate and no annual fee, for qualified applicants. This ...
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- 2007-11-13 22:16:19 - Credit report ? look out for your debit report, too
- Most consumers are aware that there are companies that keep track of their personal financial transactions ? installment loans, mortgages, credit card accounts, bankruptcies and judgements. These items are assembled by the three main credit bureaus into a credit report, which is available upon request by lenders, employers and anyone else with whom a consumer might do business. The credit report t...
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- 2007-11-13 22:16:19 - Credit problems? heres how to manage your creditors
- If you find that creditors are calling you almost daily or that one of more of your bills has been turned over to a collection agency, you should know how to manage your debts.First, prioritize then or rank them in terms of the ones that can give you the most trouble the soonest. If you're three months behind on your utility bill and the company is threatening to cut off your power, you mus...
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- 2007-11-13 22:16:19 - Identity theft ? guard your childrens social security numbers
- Identity theft is a growing concern among Americans, and rates among the top five complaints received by states' Attorney General's offices. A stolen identity can lead to tens of thousands of dollars worth of debt in the victim's name and it can take years to completely undo the damage done to the victim's credit report. Identity thieves can successfully commit crime with as little as a driver's l...
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- 2007-11-13 22:16:19 - Credit score ? for scoring the right loan
- Somebody once said, "There is always a way of knowing your limitations and going beyond it." It is fundamentally true with respect of credit score. There can be nothing more rewarding during loan borrowing than knowing your credit score. There are many people who are practically unaware of what their credit score is; in fact they don't even know what it means. This credit scoring system ...
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- 2007-11-13 22:16:19 - What is credit repair and how can it help you?
- There are millions of consumer credit reports on file from mainly three major reporting bureaus which include Trans Union, Experian, and Equifax. These credit gathering agencies store huge amounts of data about every person that takes out a loan, credit card, or any other line of credit. Information is reported to these credit bureaus when you apply for credit, apply for some jobs, or even apply f...
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- 2007-11-13 22:16:19 - Free credit report ? a website typo could be costly
- In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT), which made it possible for consumers to obtain a copy of their credit report for free. In fact, the legislation makes it possible for consumers to obtain one free report from each of the three main credit bureaus ? Experian, Trans Union, and Equifax, per year. All that is necessary to do so is to write, call or log on t...
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- 2007-11-13 22:16:19 - Choosing the best low interest credit card
- With so many low interest credit cards on offer, how do you know which one to choose? Here is a brief guide for choosing your low interest credit card.The Chase Manhattan MasterCard is a great choice, for those with an excellent credit rating. It has an introductory APR of 0%, for up to six months, which is a great option if you plan on transferring your existing balances to your new accoun...
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- 2007-11-13 22:16:19 - Home loans ? repair your credit before you buy
- Before you take out a home loan or make any major purchase, you should be aware that any prospective lender will want to take a look at your credit report. Your credit report is a record of all of your past financial dealings, and any loans, credit cards, judgements, bankruptcies or other major financial transactions are listed there. Along with your credit report will come your credit score, whic...
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- 2007-11-13 22:16:19 - Credit report ? how your credit score is determined
- Most consumers are aware that they have something known as a credit report that is used to determine whether or not they would qualify for a loan. Fewer are familiar with the FICO score, a creation of the Fair, Isaac, and Co. which distills their entire credit report down to a three-digit numeral. What, exactly, is this score? How is it compiled? Can anything be done to improve it?The FICO ...
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- 2007-11-13 22:16:19 - Manage your credit wisely
- Getting your first credit card is a big deal and all young people look forward to it with bated breath. We wait for years to be able to apply successfully for out own credit card. This is one of the first things that make us feel like real grown ups. Unfortunately for many they do not have any idea of how to manage the credit once they get it. Just because you feel like an adult does not mean that...
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- 2007-11-13 22:16:19 - Which business credit cards with reward are the best?
- Thinking of applying for a credit card with a reward program to help you and your business? Here is a brief guide to some of the best programs on the internet.The Platinum Business Credit Card with rewards from American Express is a great offer. It has a introductory 0% APR, and has a low 4.99% fixed rate for balance transfers made within the first 45 days. Perfect for those with good credi...
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- 2007-11-13 22:16:19 - Identity theft ? monitor your credit report
- The recent security breach at credit card processor CardSystems Solutions has many consumers worried. Thanks to a well-placed computer virus, nearly forty million credit card numbers were stolen, and cardholders nationwide are justifiably concerned about identity theft. Should a thief steal your identity, he or she could run up thousands of dollars worth of debt in your name and it could take year...
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- 2007-11-13 22:16:19 - Credit report secrets: do you know what they reveal?
- If you've ever applied for a credit card or loan, you've probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you. Even if you're not interested in obtaining credit, your credit report can impact other areas of your life. Potential employe...
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- 2007-11-13 22:16:19 - Avoiding college credit card traps
- Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus.O...
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- 2007-11-13 22:16:19 - Cash back vs. rewards credit cards
- Ah, the sweet rewards of using credit!Not only do you get immediate gratification with the buy now-pay later plastic, but now, many credit cards offer rewards and incentives for using their card to make purchases. You can get cash back, or gift cards, or 'reward points' that you can spend on merchandise or services from various merchants. There are also cards that allow you to designate you...
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- 2007-11-13 22:16:19 - Finding and applying for the right credit card offer online
- Anywhere you go online nowadays, you will see a multitude of ads for credit cards. Some offer low interest rate for an introductory period, or bonus frequent flyer miles while others offer real discounts on new vehicles and equipment. Trying to find one that suits your needs and lifestyle can be a little overwhelming.Before you dive on in, ask yourself some key questions about your needs:...
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- 2007-11-13 22:16:19 - Common credit score myths
- A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing. But the bottom line is bad information can cost you money no matter who you get it from.Fico score ratings are used for most mortgage lending, which means, you need to know what will hurt or help...
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- 2007-11-13 22:16:19 - 10 signs you may need credit counseling
- Debt management programs can be of real help for people that discover they cannot face their debts. At first, they will attempt to solve the situation all by themselves by cutting down on spending and keeping a close eye on accounts. If this doesn't work then it is time to ask for help from a financial expert. The sooner you admit you need help from an expert, the better will be for your future. T...
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- 2007-11-13 22:16:19 - How your credit history can affect your life
- Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle. A poor credit history can mean denial of credit, high interest rates, and could possibly affect your ability to get a new job or apartment. If you are unsure of your credit score or credit history in general, it is a good idea to find out the contents of y...
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- 2007-11-13 22:16:19 - Restore your credit rating and reduce your debts
- Your credit rating affects many areas of your life. Opening new credit accounts, buying a home or car, getting a new job, and receiving discounts on insurance rates are just a few of the things that are impacted by your credit score. Millions of people have inaccurate information, errors, and out dated information on their credit report. These errors can cause your credit score to drop dramaticall...
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- 2007-11-13 22:16:19 - Cutting credit card costs
- What are the APRs charged by the credit cards in your wallet? If you are paying more than 12% interest on any of them, you are probably paying too much. The prime rate is currently in the single digits, so credit card companies that charge above 13% APR are overcharging. If you have good credit, you should be able to find a credit card with an APR below 12%. Shop around and get the rate you deserv...
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- 2007-11-13 22:16:19 - Understanding the function of credit
- What is Credit?Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit rating.Your credit rating is a numerical score that is based on your payment history. From your cr...
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- 2007-11-13 22:16:19 - Credit card debt: how to control it
- A lot of people spend more money than they can afford to repay toward their credit card debts. To regain control over your finances and to manage your debt, here are some solutions you can try.CREATE A SPENDING PLANIn many cases, people design and then stick to a spending plan to get their debt under control. A spending plan is a guide for how much money you have and how much money y...
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- 2007-11-13 22:16:19 - Have you ever opened a checking account?
- Maybe some of you are saving it in your trusty piggy bank, under your mattress or way back in a sock drawer. Although I'm glad that you are saving, your money is not doing anything for you locked up in your house. Consider a checking account where you can make some interest on your money. And for those of you who already have a checking account, after reading this article you may want to change ba...
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- 2007-11-13 22:16:19 - Debt collection agencies
- Debt collection agencies are often a viable option for receiving payment on overdue bills. Here you can earn how debt collection agencies work and what to look for in reputable debt collection agencies.Using outside debt collection agencies to pursue delinquent accounts may seem distasteful , sometimes even downright objectionable. You may be picturing Tony Soprano, baseball bat in hand, us...