Credit articles
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- 2007-11-13 22:16:19 - What does your credit say about you?
- A credit report is more than just a snapshot of your financial picture; it can assist credit grantors in determining your overall risk factor. Additionally, lenders, credit grantors, and even human resource departments often use it as a tool to determine a person's character.When applying for a mortgage, your lender will request a credit report from one or all three consumer credit agencies...
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- 2007-11-13 22:16:19 - Bank robbery growing in u.s.
- Bank robbery has grown to become a huge problem in the United States but I am not talking about people robbing banks. I am talking about banks robbing people. Here are some tips on how you can avoid being ripped off by your bank. Avoid The PlasticBanks want you to believe you need a credit card. The fact is millions of people get by very well without one. Contrary to popular opi...
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- 2007-11-13 22:16:19 - Credit report hassles
- There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not get a job because their credit report was awful? Thousands and how many do you think realized that that was the reason they did not get a call back? I ...
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- 2007-11-13 22:16:19 - Harassment of people in debt by creditors
- HarassmentHarassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970. It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly. In order for you to identify what activities by your creditors may involve harassment and what can be done about the problem, this factsheet outlines:...
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- 2007-11-13 22:16:19 - It is in your best interest to do the math on your credit card interest
- If you begin foaming at the mouth once a month when you receive your credit card statement, join the millions of Americans that are foaming along with you. There is a growing outrage at the seemingly endless journey towards eliminating the balance on your credit card and that is due primarily to the extravagant interest rates charged by credit card companies.Your bank is probably touting th...
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- 2007-11-13 22:16:19 - Bailiffs & council tax - knowing what to do
- This article is about bailiffs who may call trying to collect Council Tax or Community Charge (Poll Tax) arrears. If a bailiff has contacted you to collect another sort of debt the law might be different.Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf of your local council. They try to take your goods away and sell them, usually at auction, to raise mon...
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- 2007-11-13 22:16:19 - How to deal with hire purchase debt
- WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements. With Hire Purchase and Conditional Sale Agreements, you do not own the goods until you have paid the credit agreement off. This means they are not the same as ordi...
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- 2007-11-13 22:16:19 - Your credit score
- Credit scores: all lenders use credit scores to determine interest rates and credit limits.The credit scoring system was developed in the early 1950's. However, it was not widely utilized until the early 1980's, when it was overhauled by Fair, Isaac & Company. At that time the 3 major credit reporting bureaus, Equifax, Experian and Trans Union, worked with FICO to create three separate cred...
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- 2007-11-13 22:16:19 - Credit worthiness
- Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships. This is a complex abstract thing that is evaluated in many ways by different entities. What factors contribute to the credit worthiness is really dependent on the case for which this...
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- 2007-11-13 22:16:19 - Bad credit credit cards
- Chances are you've gotten your share of offers like this in the mail Bad Credit Credit Card, Bad Credit Visa Cards and Credit Cards for People With Bad Credit. Re-establish your credit with a bad credit credit card, credit cards for people with bad credit or pre-approved Visa cards regardless of your bad credit history, some with low introductory rates and other perks. Many of these solicitations ...
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- 2007-11-13 22:16:19 - Understanding your credit score
- When you apply for credit one of the first things almost all credit officers do is check your credit score. Although not all of those officers explained to us what a credit score is, we are all rated according to it and the offers we receive were all dependent on that score. This is why understanding your credit score is of utmost importance, and for future reference at least basic knowledge shoul...
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- 2007-11-13 22:16:19 - Tackling bad credit
- The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didn't even know that a credit record of our transactions is prepared by some credit reference agencies.Thanks to the discipline in making the repayments to the loans and mortgages, I never let my credit history degrade. But the...
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- 2007-11-13 22:16:19 - Warning: free credit report imposter websites springing up on the web
- A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in the West and will finally be nationwide by 1 September. This is good news to cons...
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- 2007-11-13 22:16:19 - What does your credit score tell you?
- When you apply for a loan or a mortgage, the first thing the lender does is to check your credit score. Based on your credit score, the lender decides the amount of finance you are eligible for and the interest rate at which you will be charged. So what is this credit score and how does it influence your capacity to take fresh credit?Your credit score is a number that reflects on the likeli...
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- 2007-11-13 22:16:19 - Credit repair: how to deal with your creditors
- If you are in danger of credit problems because you have more debts than you can handle, there are things you can do at least keep your creditors reasonably happy.First, prioritize your debts or rank them in terms of the ones that can give you the most trouble the quickest. If you're three months behind on your utility bill and the company is threatening to cut off your power, you should de...
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- 2007-11-13 22:16:19 - The things that uk lenders like to see on your credit file, (and? what they don?t like to see!)
- Lenders are quite fussy about what they like to see on your credit report. So much so that you will have a hard time to meet their high expectations. But what exactly are they looking for? In this article we take a look at one aspect of your credit history that lenders have a keen eye out for.Most revolving loans, loan accounts and credit cards will show a monthly payment pattern describing...
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- 2007-11-13 22:16:19 - Credit reports ? why your credit score is important
- If you have never heard of a FICO score before, you should become familiar with the term. Named for the firm that invented it, Fair Isaac Corp., the FICO score is the three-digit credit summary that, in essence, reduces your entire financial life to a simple set of numerals.The score represents a distillation of information gleaned from the three main credit-reporting bureaus ? Equifax, Tra...
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- 2007-11-13 22:16:19 - Can credit search entries affect your ability to get approved for a new loan in the uk?
- About Search Entries:Every time a lender checks your credit history from your credit file (i.e. each time you apply for a loan), your credit-file will have a record of this. These records are known as search entries. The search entries do not generally say whether you were approved or denied credit, but they do reveal the name of the lender(s) processing previous applications. Lenders autom...
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- 2007-11-13 22:16:19 - Credit suicide
- Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups". There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a source to determine levels of risk for lending money? and the Fair Isaac Company is where it l...
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- 2007-11-13 22:16:19 - Inflexible friends and plastic assets, why money isn?t buying love anymore
- Consumers reject financial advice in favour of financial frivolityIt would appear that even though their "friends" aren't as flexible as they used to be, consumers are still stretching their credit cards beyond the comfort zone.The vicious circle of debt manipulation involving banks, consumers and commercial credit companies is putting consumer spending under strain, as fun...
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- 2007-11-13 22:16:19 - Free credit reports - how to maintain your credit profile
- Maintaining your Credit ProfileEvery consumer should be maintaining their credit profiles to ensure the highest scores possible. To do so, you must first order your credit reports from the three major credit bureaus: Equifax, Trans Union, and Experian. The federal Fair Credit Reporting Act (FCRA) entitles you to a copy of your credit Report for free, provided you meet the following criteria...
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- 2007-11-13 22:16:19 - Figuring out the ever nebulous numbers called credit scores
- Credit Score FactorsThe information contained on our credit reports affect every aspect of our lives; including employment, insurance, and even interest rates (mortgage, credit cards, automobiles, etc.). There is specific information captured on our report which is used to form our credit score:? Payment History (accounts for approximately 35%)? Outstanding Debt (accounts for ...
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- 2007-11-13 22:16:19 - Different ways to borrow money
- There are many different ways to borrow money. Outlined below is a useful guide to some of most common ways of borrowing money.LoansThere are many loan companies offering to lend you money. They will check your credit worthiness and may offer you a secured loan or an unsecured loan.A secured loan means that you undertake to give the lender property you own if you do not keep u...
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- 2007-11-13 22:16:19 - How does a creditor determine whether to grant you credit?
- Credit 101How does a creditor determine whether to grant you credit? For many years, creditors have been using credit scores and credit scoring systems to determine if you'd be a good risk for a loan or credit card. More recently, credit scores have been used to help determine what rates you pay for insurance. What is a credit score and why is it so important?What is a credit score?...
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- 2007-11-13 22:16:19 - Dont trade your future for todays doodads
- "Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and We Can Finance It for You," & "Spend Today, 0% APR until Next Year!" We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lo...
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- 2007-11-13 22:16:19 - Your credit card may be costing more than you think!
- Do you know what your credit card is truly costing you? Many people assume that they do, but aren't familiar with the hidden fees that many credit card companies are charging. In fact, if you don't keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year-without ever really knowing it!And if you're trying to budget your money, those hidden fees can add u...
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- 2007-11-13 22:16:19 - Making sense of the information in your credit report
- 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 e...
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- 2007-11-13 22:16:19 - Top 7 factors to consider while reviewing credit card offers
- Credit cards have migrated from being hip or convenience product into a must have entity for everybody. Shopping Online you need a credit card. Wanna book a weekend rental you need a valid card to pick one. In order to register as a valid seller in many online sites you need a card. Like this the credit cards have evolved from being just convenience items into something you got to have or you will...
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- 2007-11-13 22:16:19 - Winning the credit game!
- Everywhere we go, the word credit can be found, shining huge dollar signs in front of our very eyes. Everyday we receive solicitation and promotions offering us credit. Credit actually makes the financial world go round, yet just the mere mention of the word can make many people very nervous. So why does credit get such a bad reputation?It's been my experience that credit falls into the sam...
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- 2007-11-13 22:16:19 - How to get a low interest credit card
- Consumers often have the first credit card that they ever applied for, never really analizing how the interest rate affects their payments, but many other options exist and can help consumers decrease their payments and achieve financial stability.With interest rates on some credit cards rising to over 23%, even low balance credit card debt can be crippling. One of the first research eleme...
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