Credit articles
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- 2007-11-13 22:16:19 - Are you paying higher interest on your credit cards than you think?
- Many credit card holders sign up for a credit account with an 8.9% interest rate and then later realize that their interest rate has been bumped to 27.4%. Why?You know that your credit score affects the credit card rates that you qualify for. But, did you know that a little clause in the fine print of the credit card terms and agreements, called the "Universal Default Penalty Clause" may me...
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- 2007-11-13 22:16:19 - Errors on your credit report: what you should do
- 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 welfare, or believe that your credit report i...
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- 2007-11-13 22:16:19 - Bad credit? no credit? yeah, its a problem.
- Many companies use the slogan "Bad Credit? No Credit? No Problem!" The truth is that it is in fact a problem and there is no easy way to correct it. It takes a lot of time and effort to obtain credit when you do not have any and even longer to fix bad credit. The first step to solving these credit problems is to understand what your credit score means. In doing this, you will have a better idea of...
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- 2007-11-13 22:16:19 - Credit repair kit sound to good to be true? it is.
- A lot of people have bad credit. It is unfortunate that good people with good intentions are sometimes lured into credit card offers with outrageous interest rates or convinced to buy a new, overpriced car that they cannot afford. Sometimes, it is a stroke of bad luck. You may have recently lost your job or been involved in an accident that made you unable to work which in turn also made you unabl...
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- 2007-11-13 22:16:19 - Bankruptcy vs. credit counseling: what should i do?
- Credit Counseling and bankruptcy are both ways to relieve the stress of debt. However, they are very different and it is important to understand both before making a decision as to which is best for you.Credit counseling is a program designed to help those who are in a state of debt and cannot find a solution to their debt problems. They offer services that will allow you to work with a cer...
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- 2007-11-13 22:16:19 - Understanding the process of credit counseling
- Many of us have seen the advertisements on television. "Get out of debt fast!" "We can solve all your credit problems with only one call!" These sound really great but you know that, realistically, one call is not going to solve your credit problems.If it were so fast and easy to get out of debt the credit card companies and these agencies advertising on television would be out of business ...
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- 2007-11-13 22:16:19 - Recognizing the signs that you might need credit counseling
- Most families in America today have a credit card; some have two or more. The type of credit card you own, gold, platinum, ext, is almost a status symbol in society. The concept is a good one, using your good credit to purchase big-ticket items that you may need time to pay for. If used wisely, credit cards can be a dependable resource, however, sometimes we are unaware of the fact that we are ove...
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- 2007-11-13 22:16:19 - A summary of the fair credit reporting act
- This summary of the Fair Credit Reporting Act will explain what you can legally do if you want to repair your own credit report. No matter what you hear, you can dispute credit information on your credit report if you understand the legal rights you have under this law.The Federal Fair Credit Reporting Act was enacted by the United States Congress in 1971. In summary, it says that the credi...
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- 2007-11-13 22:16:19 - Will inquiries lower your credit score?
- What are inquiries?When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The "inquiry" is then reported to the credit bureaus and shows up on your credit report.Does this affect your credit rating or score?Yes, it does. Although only a few points are deducted from your sc...
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- 2007-11-13 22:16:19 - Commercial collections: business finance booster shot
- Commercial collections: fixture of the new B2B cultureIf you're in the business-to-business field, or even if you're a consumer products business that works through third-party distribution channels, you probably know what it's like to check your mail anxiously each day, sifting through all the bills for that payment that was supposed to have been in months ago.It wasn't supposed to ...
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- 2007-11-13 22:16:19 - Collection agency secrets for collecting on bad debt
- Getting worried that one of your clients, customers or patients will never pay? Have you given up on a customer who's essentially said he won't pay? Congratulations--being stiffed by a customer or patient is a milestone in the growth of a business or medical practice. But even the most hopeless of bad debts can sometimes be collected-collection agencies have been doing it for years. Here are six o...
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- 2007-11-13 22:16:19 - Minimum credit card payments to rise
- For years, major credit card companies have allowed cardholders to make minimum payments of 2% of the outstanding balances on their credit cards. Having customers pay the minimum doesn't reduce the balance by very much, but when the 18-30% interest rates that many credit cards charge is applied, the result is a profitable ones for the banks that issue credit cards. A balance of $1000 can take nine...
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- 2007-11-13 22:16:19 - Getting your credit report and understanding whats on it
- If you intend to apply for a loan, you need to obtain your credit score. Understanding what this score means will allow you to make the loan process easier and quicker. Let's face it; most people want the loan process to be as painless as possible. Obtaining and understanding your credit score will help you see potential problems and perhaps eliminate them before you begin the loan process....
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- 2007-11-13 22:16:19 - 7 compelling reasons why a prepaid debit card may be just the financial tool you need
- Prepaid debit cards are great financial tools and may be just the financial tool you need. Here a seven compelling reasons why:1. A prepaid debit card helps you stay out of debt because the money you spend is your own. Credit cards encourage you to spend money you don't have, thereby giving you a false sense of reality. In truth, by using a credit card what you're doing is borrowing money f...
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- 2007-11-13 22:16:19 - Small business credit cards
- So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn't an option because it can make or break your business. Things to look for are low interest rates and good customer service.Ask around for companies with good customer friendly service. Some will let you off late payments time after time while others will come down like ...
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- 2007-11-13 22:16:19 - The best strategy to erase credit card debt
- Credit card debt is a growing sickness in the United States and Europe. It is very important to eliminate debt and take control of your financial health.In the below section, I have listed the best strategy to erase credit card debt. This strategy is tried and true and often recommended by financial planners and debt consolidation firms. In an E...
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- 2007-11-13 22:16:19 - Good credit is a necessity for everyday living
- Most of us want a good credit report to obtain vehicle financing, credit cards for emergencies and luxuries, and to finance a home mortgage. However, beyond these consumer loans, a great credit report makes your life easier.Having a credit card means that you can order tickets, rent a car, and reserve hotel rooms. Your strong credit score makes it easy for you to arrange cell phone service ...
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- 2007-11-13 22:16:19 - What is a credit report?
- Even if you have heard of a credit report, you may not know exactly what it is. If so, this credit report article is for you. Learning about your credit report is important in any campaign to eliminate credit card debt and obtain a good credit status. So, you should at least know the credit report basics.What is this credit card report then? For a start, whenever you borrow money from a leg...
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- 2007-11-13 22:16:19 - Credit cards - a blessing or a curse?
- Owning a credit card can be quite an advantage. Whether making online purchases, booking an air ticket or a hotel room on the phone or simply being in need of some emergency cash, having a credit card can be a big help. However, getting a credit card is also a huge responsibility and if you don't keep an eye on your spending habits, credit cards can create some serious problems. Here is an excelle...
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- 2007-11-13 22:16:19 - Dont dig your own pit
- If you want to enjoy your life out of spending, enjoy if you have your own resources and money.But don't enjoy your life by becoming a debtor to somebody.Of course in the modern world, there are many ways and means, which force you to become a debtor.Attractive advertisements in the satellite TV force you to become a debtor.It tempts you to buy the modern amenities at a...
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- 2007-11-13 22:16:19 - Free credit report ? watch out for scams
- Many people may still not be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed last year. This amendment allows U.S. citizens to receive a copy of their credit report, for free, once per year. The plan is being rolled out slowly in order to avoid swamping the system, but people living in the West and Midwest can receive their credit reports now, and everyone will b...
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- 2007-11-13 22:16:19 - How to order the right credit reports to repair your own credit
- In this week's article, I am going to offer some tips and insight regarding how to order the right credit reports needed to repair your credit.Believe it or not, a majority of the credit reports offered on the internet don't have the required information (File Number, Confirmation number, or Report number) needed to repair your own credit. So what happens? You try your best to launch a disp...
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- 2007-11-13 22:16:19 - Maximizing credit card rewards
- We spend money every single day on many different types of products and services and the banks' newest offer is that of saving when spending if you use their services; that is if you pay for your expenditures with special credit cards. These credit cards are part of a wide offer and the best thing to do is read as many bank-offers as possible before choosing a particular card. Maximizing credit ca...
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- 2007-11-13 22:16:19 - Using credit cards wisely
- "I think money was stolen from my card" or "I might have blocked my card in the ATM" - these are frequent problems that bank customer-support officers usually hear from agitated clients. Incorrect use of credit cards or wrong interpretations of their functions are frequent even after tens of years of credit-card extensive use. Actually, there are 4 most frequent causes for problems; one is related...
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- 2007-11-13 22:16:19 - Finding what is on your credit report
- A credit report is basically a file about you kept by lenders and banks. As annoying as it may be, it's still perfectly legal for them to gather all sorts of details about you. In turn, you have the right to check this file - and you should do so and inquire regularly about your credit report and your credit score, particularly when you plan a big financial change, for instance, before applying fo...
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- 2007-11-13 22:16:19 - Credit repair services vs. do-it-yourself credit repair
- Millions of Americans suffer because of bad credit these days, and almost all of these people turn to the Internet for help. In the past 5 years hundreds of 'internet-based' credit repair services have sprung up, preying on consumers in need of real help. Most of these companies have built less than desirable reputations by over-promising and under-delivering; all the while taking millions of doll...
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- 2007-11-13 22:16:19 - Applying for credit cards online
- In the olden days, about 10 years ago, before the internet, consumers would have to fill in applications for credit cards, loans, mortgages and so on by hand. It's hard to believe now, but this lengthy process was the norm, with requests for extra documentation and references going backwards and forwards, until finally the application was accepted or rejected. These days with the advent of the Int...
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- 2007-11-13 22:16:19 - Consolidating credit cards
- Credit card consolidation is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. Basically, this means putting all your debts together on a single card, like transferring it all to one loan. Of course, the goal is to pick a card that offers better conditions than what you already have, in order not only to simplify, but also to redu...
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- 2007-11-13 22:16:19 - What is credit counselling?
- Ever wondered what is Credit Counselling? There are occasions when you might encounter a financial situation that is beyond your scope which is when a session with a credit counsellor could be beneficial.If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting...
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- 2007-11-13 22:16:19 - Building a credit report lenders will love you for
- Will lenders really love you for having a good credit report score? Love is not the right word of course; lenders are after your money, and never forget that. But the lender's representative will love dealing with your credit application if your credit report is good. If you have a high credit score and spotless credit record, then when you apply for a large loan, you stand a good chance of not on...
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