Credit articles
Showing page 8 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - All is fair in love, war, and, your credit report - at least it should be! understanding the fcra
- Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what's on your credit report?If you've ever applied for a charge account, a personal loan, insurance or a job, there's a credit report about you. This credit report contains information ...
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- 2007-11-13 22:16:19 - Understanding your rights under the equal credit opportunity act
- It wasn't all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control?Despite the fact that they were entering the workforce in record numbers, single women were often required to get a cos...
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- 2007-11-13 22:16:19 - Credit education
- Having credit education is like knowing how to read. It will be necessary throughout your life.Once you learn it, you will know it forever. Once you establish good skills, they will help you to get ahead throughout your life.So, it is vital to get the education you need or to provide this education to your children.Did you make mistakes along the way? Teach them how to avoid t...
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- 2007-11-13 22:16:19 - Student credit cards 101
- Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Students that have a credit card should learn how to take charge and manage their own finances as soon as possible, because the time between teen years and adulthood i...
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- 2007-11-13 22:16:19 - Credit card benefits and drawbacks
- Credit cards have both benefits and drawbacks. It is wise to consider both before applying for a credit card. While they can be very useful, credit cards can also be risky. Even people who are usually good with their money get into trouble with credit cards. A credit card can be useful, but may also end up putting you in a difficult financial situation if misused.Here are some of the benefi...
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- 2007-11-13 22:16:19 - What is a credit card?
- A credit card allows you to buy things even though you might not have the money to pay for it right away. The company that gave you the card lets you spend up to an agreed sum and then makes additional money available to you as you pay off what you've spent. You must pay at least a minimum amount by the due date, generally once every month. You will pay a finance charge or interest on any amount y...
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- 2007-11-13 22:16:19 - Credit card tips
- Here are some useful credit card tips for you to consider before applying for a credit card. Before applying for a credit card, you should decide why you want one, and make sure you can use it wisely.More and more people use plastic as their main means of paying for goods and services. Today our entire financial system relies on credit. Credit cards can help to make your life that little bi...
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- 2007-11-13 22:16:19 - Identity theft - how to protect yourself
- "Like the tan? I got tons of sun on that Caribbean cruise. First class tickets to Florida and back! Nope, not an airline upgrade. 5-star service all the way, baby! Hotels, restaurants, theme parks?you name it! Look?I took pics with my new cell phone! Hey, let me know when you're free to take a spin in the car ? it's a 2005 sports model, fully loaded! Yours truly, Chad E. Charlatan, is going t...
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- 2007-11-13 22:16:19 - Types of credit cards
- There are a whole variety of different types of credit cards available which can make choosing the right one a very confusing experience. In order to help you decide, listed below is a useful breakdown of the various types of credit cards available.Standard Credit CardsStandard credit cards work as you might expect - with the cardholder using the card in order to pay for goods and se...
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- 2007-11-13 22:16:19 - Guide to credit terms
- Listed below is a useful guide to credit card terms. It is a list of definitions of credit card terms that may or may not be familiar to you.Annual FeeVarious card issuers charge an annual fee, which can help offset costs that issuers incur in maintaining accounts and providing services.Annual Percentage Rate (APR)Stands for 'annual percentage rate'. A figure, expressed...
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- 2007-11-13 22:16:19 - What you need to know about credit reports
- You hear people talk about credit reports all the time but do you know what they are really all about? Well, if you have ever been turned down when applying for a credit card or a loan it is high time you learned all about your credit report and how you can get it working for you instead of against you.Let's start off by explaining what your credit report actually is. Your credit report is ...
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- 2007-11-13 22:16:19 - Are you the only one using your name?
- Identity theft has become an epidemic. Millions and millions of purses and wallets are stolen everyday and many of them are not just taken for the money inside. Thieves can use your credit cards to buy whatever they want to and whose credit does it ruin? Yours. Now, you are probably thinking about how easy it is or you to cancel your credit card, and you have protection through your issuer, but do...
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- 2007-11-13 22:16:19 - Rebuild your credit the right way the first time
- If you are one of the millions of people out there with bad credit you need to step up and start doing something to get yourself back into credits good graces. Having good credit is the only way to assure that you will get the best interest rates on any loans and credit cards that you apply for. If you have bad credit you may not even get approved, then what? If you applied for a loan it was proba...
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- 2007-11-13 22:16:19 - Pitfalls of the credit industry
- The credit industry if rife with pitfalls. If you have ever owned a credit card you probably already have learned this the hard way. If you have not owned a credit card previously you should definitely learn all you can about these convenient little suckers (literally) before you commit to any contract.While not all credit cards are the same many do have similar things in common. For instan...
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- 2007-11-13 22:16:19 - Why does your credit card rate keep going up?
- Have your read your credit card contract through completely? Do you know when it is okay for your creditor to raise your interest rates? If you are not sure about how and when your rates can be affected over the life of your contract you should take a few minutes to read your contract thoroughly from beginning to end.Creditors must have clauses in their contracts that give them the right to...
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- 2007-11-13 22:16:19 - Learn the truth about identity theft
- Identity theft is the fastest growing crime in America, according to a recently released FTC study. Did you know that the term "identity theft" did not exist until just a few years ago? It is a recent phenomenon that is causing a great furor around the world.According to the United States Department of Justice, the terms identity theft and identity fraud refer to "all types o...
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- 2007-11-13 22:16:19 - Ethical finance: who benefits from our spending?
- On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide....
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- 2007-11-13 22:16:19 - Bad debt recovery
- Bad Debt IdentificationIdentifying bad debt is not as easy as it sounds. But the earlier it is done, the better are chances of recovering it. Here are some signs of customer behavior that can identify bad debt early:Customer fails to pay as per the agreed payment terms.Customer makes repeated unrealistic complaints about the product or service quality whenever asked about the ...
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- 2007-11-13 22:16:19 - Bad checks, bounced checks, & nsf checks
- Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.A check can be considered bad if it is bogus or the NSF checks (non sufficient funds check), also referred as bounced check....
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- 2007-11-13 22:16:19 - Credit report ? check yours regularly - and for free
- In the twenty-first century, there are few documents that have a greater impact on the lives of Americans then their credit report. Credit rating determines one's ability to buy a home, a car, or to obtain a credit card or a job. Since these things are important, it is equally important that the information be accurate. The only way to be sure of that is to check the report regularly. Prior to las...
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- 2007-11-13 22:16:19 - Credit cards and loans - so many options - so little time
- Credit Cards and Loans sounds like just two things, but in actuality, it is dozens of things. Due to a combination of user preferences, lifestyles, and marketing ideas, there are dozens of different types of credit cards out there. Because of the wide variety of things people need money for and the wide variety of ways to collateralize a loan, there are dozens and dozens of different types of loan...
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- 2007-11-13 22:16:19 - Identity theft ? who would want mine?
- With all my bills who would possibly want my credit? Let them steal my identity and pay my bills! Unfortunately, that's not the way it works. Many of us mistakenly believe that identity thieves hit only the wealthy. Nothing could be farther from the truth. The average person is often more vulnerable that those we consider wealthy?When someone steals your identity, they probably won't touch ...
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- 2007-11-13 22:16:19 - Credit repair, how to
- Credit repair, is in a word, vital to reestablishing your credit. Unless you plan to never use your credit again, then you have to find a way to fix it.In the world we live in, having credit available to you is important, even if you don't use it regularly.What do you do, then when something goes wrong and you end up with bad credit?Most of us start out wanting to have good cr...
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- 2007-11-13 22:16:19 - 10 dirty tricks credit card companies play
- The credit card companies make billions each year in legitimate interest charges and fees, but are under constant pressure from the shareholders to increase their earnings. To make this extra money the credit card companies sometime adopt some dirty tricks to make this money. As the credit card industry becomes more competative, less money is being earned from each client from interest charges and...
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- 2007-11-13 22:16:19 - Credit card entrapment - the secrets are out
- Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but you definitely pay for it and BIG!The next time you open up your credit card statement, take a real close look to all the "junk" inside particularly t...
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- 2007-11-13 22:16:19 - 10 simple steps to manage your credit
- By far the greatest invention the banks have ever come up with came out in the 20th century. Also the new field of Credit Management was born with the invention of the credit card. It is the most available out of any financial product out there. In fact more than 80% of the U.S. households have at least one credit card. If you want to consider yourself as the "Average" American then you have about...
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- 2007-11-13 22:16:19 - Good credit -- essential for the prospective home buyer
- Credit is a funny thing. It can be a useful tool in the hands of an informed individual, or a weight of burden to the unsuspecting. One thing is for certain, you must have a decent credit score to attain a quality mortgage loan.We speak to hundreds of individuals each month that are in the market to buy property. Unfortunately, many of them have less than desirable credit scores, and becaus...
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- 2007-11-13 22:16:19 - Getting married? what are the finance and credit implications?
- There is a big difference between looking after your own finances while living alone, or with parents, and living with a partner. The transition can be very difficult, especially if both partners are strongly independent, or one partner is financially weak and the other strong. In fact, it is an area of a new relationship that has many pitfalls if you do not set the ground rules from the start....
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- 2007-11-13 22:16:19 - The hazards of your first credit card
- You probably don't need me to tell you credit cards are easy to get a hold of; at least, that is so in the US and UK. How many weeks pass without a glossy brochure promoting a credit card popping through your letter box? And that's just your mail; the tv advertising budgets for credit card promotion are enormous, with some famous faces often adorning your screen, smiling beautifully as they tempt ...
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- 2007-11-13 22:16:19 - How to establish great credit
- Building a good credit history is important. If you have no reported credit history, it may take time to establish your first credit account. This problem affects young people just beginning careers as well as older people who have never used credit. It also affects divorced or widowed women who shared credit accounts that were reported only in the husband's name.If you do not know what is ...