Credit articles
Showing page 10 of 19 - There are 545 Credit articles
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- 2007-11-13 22:16:19 - A cure for an ailing credit
- Credit has become a much-used word, thanks to the various connotations that it is being used in. Transactions in which the payment is deferred to the near future are termed as credit transactions.Ever thought why the grocer sells goods on deferred payment- because of a good credit that you enjoy. Credit is the reputation or standing that a person has in the society. Though credit includes v...
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- 2007-11-13 22:16:19 - Are 0% credit cards reaching their end?
- Are Credit Card companies starting to feel the pinch? We all know that the Credit Card companies make their money by charging us interest on the money we borrow. With all the 0% balance transfer offers that we have seen over the last few years its no wonder these companies are concerned they aren't making any money. Many customers who take advantage of these offers move once the 0% period has expi...
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- 2007-11-13 22:16:19 - Defeating credit card debt with self control
- Credit card debt is a major social problem in some Western countries. To rid yourself of credit card debt, it is best to recognize the problem as both a social and individual problem.If you are overburdened with credit card debt, or are in danger of becoming so, it is very easy to see it purely as an individual problem, one from which you may be suffering both physically and mentally. Worry...
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- 2007-11-13 22:16:19 - Credit repair scam - how to avoid being a statistic?
- A good credit history is critically important for the consumer. A bad credit will prevent you from getting a business loan, owning a home, or even a job. Promises to "fix" your credit are always made by credit consolidation companies, but they are seldom true. Here are some of the important tips to avoid scams:First things first. Negative information cannot be erased if the information is c...
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- 2007-11-13 22:16:19 - The hitchhiker?s guide to insanity
- A new sickness is plaguing the UK called Denial. Denial has resulted in a national personal debt of almost £1.1 trillion (source Credit Action). Symptoms include:* Refusal to open bank statements * Lots of scratching of head, saying "how did it get to this?" * Paying by plastic most, or all of the time * Sweating at the checkoutDenial is now t...
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- 2007-11-13 22:16:19 - Useful tips on borrowing money
- Here are some useful tips on borrowing money. Borrowing money is one of the most common sources of funding for a small business, but obtaining a loan isn't always easy. Before you approach your banker for a loan, it is a good idea to understand as much as you can about the factors the bank will evaluate when they consider making you a loan. Let's start by exploring some of the key points your bank...
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- 2007-11-13 22:16:19 - What is a credit report?
- Ever wondered what is a credit report? If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It is full of information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.Consumer reporting companies sell the information in your report to creditors, i...
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- 2007-11-13 22:16:19 - All you wanted to know of bad credit
- Martin Henderson is in a fix these days. Because of his failure to repay a loan he had taken a few years back, he has been adjudged as a bad credit case. And, in spite of much effort, he has not been able to get a loan or a mortgage. Lenders do not want to take risk by offering loans to him, and he is severely in need of money.This is not a single case. There are many who are facing bad cre...
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- 2007-11-13 22:16:19 - Collection agencies: what do they do?
- Collection agencies are businesses that collect past-due bills and accounts receivable for other persons or businesses in exchange for a fee. Collection agencies charge for their services one of three ways:1) A flat fee.2) A percentage of what is collected.3) Through a direct sale of the delinquent accounts.If you are trying to collect a small or medium sized debt, usin...
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- 2007-11-13 22:16:19 - Two things you need to know about prepaid debit cards
- According to the September 2004 issue of the Nilson Report, around $588 billion dollars worth of debit cards were bought in the United States in 2003. By 2008 that volume is expected to grow to $1.231 trillion putting a significant dent in the nation's use of pure credit cards as consumers continue to favor the use of prepaid debit cards. If you are among the nation's millions who are currently us...
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- 2007-11-13 22:16:19 - Credit cards - why prepay?
- With prepaid credit cards, you get the practicality of plastic while choosing exactly how much debt to charge. By taking charge of your personal financing, you determine your own limits, to the penny, and change them any time you need to.There are many prepaid credit cards on the market these days, sometimes also labeled pre-funded. They're all reloadable, functioning like a prepaid card fo...
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- 2007-11-13 22:16:19 - Do you want to get a new credit card at a great rate?
- 1) Do your homework. Applying for and getting approved for a credit card is nothing more than legwork. Credit card contracts can sometimes contain onerous terms that might make you sorry that you signed up for the new card that you did. Read the fine print carefully. If a deal looks to good to be true, it just might be. Credit cards can be a great way to finance your purchases, but make sure it's ...
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- 2007-11-13 22:16:19 - How to choose your credit card application
- The articles and tips provided on this site are intended to help you access credit card offers that suit your lifestyle. By providing you with some basic information, we are confident that you will be able to easily identify which are the best credit cards for you. There are literally thousands of offers online which make deciding on what cards apply to your needs very challenging.The best ...
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- 2007-11-13 22:16:19 - Credit cards: what is the universal default clause?
- Most people who carry major credit cards are well aware that the interest rates associated with them tend to be higher than for other types of lending, such as home or auto loans. Anyone who has paid their credit card bill late more than once or twice is also aware that doing so may cause the interest rate on their card to go up ? sometimes by quite a lot. Many credit cards carry interest rates of...
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- 2007-11-13 22:16:19 - Credit counseling: is it really necessary?
- Not everyone has a positive experience with credit counseling. Potential creditors often frown upon consumers who are going through credit counseling, denying them credit or sticking them with elevated interest rates on new lines of credit.Some consumers, who have found themselves in this situation due to credit counseling, would tell you that you can accomplish the same things on your own....
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- 2007-11-13 22:16:19 - Choosing a credit counseling company
- If you have considered credit counseling as an option to your financial problems, then you are probably wondering how to choose from one of the many credit counseling companies that are popping up left and right these days. There really is not an easy answer to this dilemma but there are some things that you can look for in a credit counseling company that might make the decision a little easier....
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- 2007-11-13 22:16:19 - What you should know about credit counseling
- Credit counseling is a free service that many people with money problems have turned to in the face of financial ruin. Credit counseling companies negotiate with your creditors to reach financial solutions that benefit both you and your creditors. Often they are able to lower your monthly payments, reduce high interest, and eliminate late charges.In addition to getting harassing collectors ...
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- 2007-11-13 22:16:19 - Credit counseling: could it work for me?
- In the face of financial hardship, many seeking a responsible solution turn to credit counseling. Credit counseling is, all too often, the last stop before bankruptcy. That is, of course, not to say that credit counseling prevents bankruptcy altogether. There are more cases than one might think that end up in bankruptcy court after credit counseling has failed to remedy the financial woes of the d...
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- 2007-11-13 22:16:19 - Credit counseling basics
- Credit counseling is an option you might want to consider if you are having financial problems. The stress can be overwhelming when you have creditors calling you daily to collect money that you simply don't have. Among others, one of the benefits of credit counseling is that the credit counselors can deal with those pesky collectors for you. But the most important benefit of credit counseling has...
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- 2007-11-13 22:16:19 - Update your computer system with bad credit computer financing
- The moment I placed myself in front of the computer screen a whole new world beckoned me to join it. And years of strolling have proved incompetent to get me acquainted with the full panorama of computers. You have always wanted one in your home. But something is stopping you. Bad credit? Do I hear bad credit? You think bad credit can stop you from getting your computer financed. Which world are y...
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- 2007-11-13 22:16:19 - Identity theft : they got him
- His hard earned money? Gone. Creditors on his back everyday. Police knocking on his door. His family strained to the breaking point. He didn't do anything wrong but my business partner's life got turned upside down a few years back. He became a victim of what is now the fastest growing crime in the world. Identity theft.According to the Federal Trade Commission, since 1999 over 27 million p...
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- 2007-11-13 22:16:19 - Credit cards for home business
- It is wise for you to have a company credit card like a VISA card. How can you find the least expensive bank card for your business? You may decide to use a VISA card from your local bank. Check the interest rate on unpaid balances. It is excessively high? Is it in line with other cards? If you are not sure, write to:Bankcard Holders of America 560 Herndon Parkway #120 Herndon, Virginia 220...
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- 2007-11-13 22:16:19 - Fair credit reporting act: what you should know about it?
- The Federal Fair Credit Reporting Act (FCRA) is designated to promote accuracy, fairness, and privacy of information in the files of every "consumer reporting agency" (CRA) or Credit Bureau. Learn what the law says and repair your credit today!Most CRA are credit bureaus that gather and sell information about you, such as if you pay your bills on time or have filed bankruptcy....
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- 2007-11-13 22:16:19 - Five reasons to repair your credit score - you can do it yourself
- There are multiple reasons that tell us why we should have a 700+ Credit Score, but these five facts will definitely give you the big picture and hopefully will drive you to want to fix your credit score starting today.Fact #1: Did you know that consumers with Credit Scores of 700+ are likely to get interest rates up to four points lower than those with scores under 640.Fact #2: Peop...
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- 2007-11-13 22:16:19 - 7 consumer credit laws you should know if you are trying to repair your credit
- There are seven consumer credit laws you should be aware when dealing with your credit.1. The Truth in Lending ActThe customer had to be told the true cost of borrowing, so they could figure out exactly what the charges would be. You must be informed, in writing of the finance charge and the APR before you sign any contract. Also, you need to be informed of the method they are going ...
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- 2007-11-13 22:16:19 - Useful tips on using credit cards
- Here are some useful tips on using credit cards. Whether you shop online, by telephone or by mail, a credit card can make buying many things much easier; but when you use a credit card, it's important to keep track of your spending.Incidental and impulse purchases add up, and each one you make with a credit card is a separate loan. When the bill comes, you have to pay what you owe. Owing mo...
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- 2007-11-13 22:16:19 - Practical suggestions for protecting yourself from identity theft
- It's no surprise that thousands of Americans are victimized by identity theft each year. Last year more than 9,000,000 people were victims of identity theft amounting to some $45 billion dollars.By the time the average person realizes they have become a victim of identity theft; it is much too late. By this point, the victim's financial stability and credit rating may be impacted significan...
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- 2007-11-13 22:16:19 - Credit card debt: one way to avoid it
- One of the biggest problems people have in these modern times is Credit card debt, and worst is USA. Simply because there have always been so many laws and regulations before you could have a card in the rest of the world, you can't for instance borrow someone elses card and go shopping because you always have to show some ID before they accept cards in Europe.Credit card debt is an ever gr...
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- 2007-11-13 22:16:19 - Is it safe to use online car finance?
- Online car finance is convenient. You can apply over the net and shop around for a good deal from the comfort of your home.But with the rise of scams on the net there are precautions you should take to make sure you are not being ripped off.Car Finance Safety Tips1) If you are in an english speaking country, the website you are dealing with should be in english. If the ...
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- 2007-11-13 22:16:19 - Simple identity theft protection
- How many of you bank, shop, or transact other business online? There are at least 4 million Department pf Defense employees that access their pay records online only. Even offline, stored financial data can be placed at risk in computers that are used on the Internet as well. As one of the fastest growing crimes in America, identity theft is a concern for everyone.A criminal gaining access ...