22 February 2008
Five Tips To Improve Your Credit Score
Tip! Don’t beat yourself up. I know this maybe hard, especially if you have a low credit score.
The “American Dream” is becoming a reality for more families than ever before. According to the U.S. Department of Housing and Urban Dev...
16 February 2008
Personal Credit Report Rating - 3 Tips to Improve Score
Tip! Obtain a copy of your credit score report from one of the three major credit bureau agencies: Equifax, TransUnion or Experian.
Your personal credit report score largely determines the rates you can
qualif...
Is A 0% APR Credit Card Legitimate?
Tip! For general use, have just one credit card. Keep the credit limits low and in control.
You see all the ads for 0% APR credit card offers all around you today. However, are they for real? The truth is yes, they are for real, however, this special...
15 February 2008
Credit Repair After Bankruptcy
Tip! You are under no obligation to pay for anything in advance. All the services promised by a credit repair companies must be rendered before you have to pay them.
You’ve asked yourself the question many times, “Will I ever get credit aga...
Your Credit Report is a Vital Financial Document
Tip! If the information provider finds that there was no error, you can request that the credit reporting agency send a copy of the disputes with any report that is requested by creditors. You can also provide an explanation of a negative report in 10...
14 February 2008
Credit Card Budgeting
Tip! Your credit card application can affect your credit rating.
When you receive a credit card, you will want to carefully follow an outlined budget for your entire household. Yes, this is easier said than done, however, if you fail to follow a strict...
13 February 2008
Credit Score - An Introduction
Tip! Always be aware of the type of credit you hold because credit from financing companies can affect your credit score.
Unless you are able to pay cash for all of your purchases throughout your life your credit scores are vitally important. They are...
12 February 2008
Top 5 Tips to Prevent Credit Card Fraud
Tip! An interesting new twist on reward credit cards are those that allow you to redeem your accrued reward points for gift cards that can be spent at any merchant that accepts their credit card. It’s another step away from the limitations impose...
10 February 2008
Credit Report Repair - Boost Your Credit Score
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
1. Deleting Errors in 48 Hours
This is the absolute fastest way to correct errors on your credit
report and raise your credit score. However, it can only be done
th...
Poor Credit Score? Find the Best Bad Credit Card
Tip! Agent Has Intimate Knowledge of the Card Company - Your credit card agent should know the ins and outs of the company he or she is promoting. Agents who are only looking for a quick commission won’t help you much when you have inquiries abou...
07 February 2008
Ways to Repair Bad Credit
Tip! Asks you to pay for credit repair before services are provided. This is a direct violation of the Credit Repair Organizations Act, which states that credit repair companies can’t charge you fees until after they have completed the promised s...
04 February 2008
Learn How to Improve Your Credit Score!
Tip! Because outstanding debt may taint a FICO score, try to pay-off balances on both revolving credit cards as well as other financial accounts. For the sake of appearances and the credit score, target bankcard debt to 60 percent with 3...
03 February 2008
What Is In Your Credit Report And What It Means To You
Tip! The Credit reporting agency will forward the request to the information provider at which time they will review and investigate the request. If the information cannot be verified, then they must remove it.
If you have applied for a home loan, car...
Choosing Credit Card Rewards and Incentives
Tip! Insurance Most credit card companies provide you free travel and accident insurance on your credit cards. Though this is limited and you could prefer to go for personal insurance, this can become handy at some odd times.
At one time there was litt...
01 February 2008
Advanced How-To Credit Repair Tips
Tip! Asks you to pay for credit repair before services are provided. This is a direct violation of the Credit Repair Organizations Act, which states that credit repair companies can’t charge you fees until after they have completed the promised s...
Earn Free Airline Tickets with an Airline Credit Card
Tip! Your credit rating may rule you out for many credit card offers. Right from the top, your credit rating could rule you out of some top credit card UK offers.
If you have signed up for an airline credit card, you are probably trying to figure out ...
30 January 2008
Low Interest Credit Card Deals May Not Be As Good As They Claim
Tip! Cash-advance fee — A charge by the bank for using credit cards to obtain cash. This fee can be stated in terms of a flat per-transaction fee or a percentage of the amount of the cash advance.
For many consumers the credit card has gone from ...
27 January 2008
Is An Instant Approval Credit Card Really Instant?
Tip! Utilities. Because it’s so easy to pay utilities with an automatic credit card charge, many people end up paying for their air conditioning when they’re heating their homes.
With so many scams and con artists out there, many people bec...
26 January 2008
Bad Credit Repair
Tip! You are under no obligation to pay for anything in advance. All the services promised by a credit repair companies must be rendered before you have to pay them.
Building your credit after repeated interruptions is a constant headache we all want t...
24 January 2008
Tips for First Time Credit Card Users
Tip! Utilities. Because it’s so easy to pay utilities with an automatic credit card charge, many people end up paying for their air conditioning when they’re heating their homes.
Having a credit card is one of the necessities in our modern ...
22 January 2008
Self Credit Repair - How You Can Do It On Your Own
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
Self credit repair is basically the only way you can repair your bad credit. No one can do it for you, although they can give you advice. You have to real...
Viewing Your Credit Report Online Instantly Saves Time
Tip! In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information.
Viewing your credit report online allows you ...
Getting Your Credit Card Application Approved
Tip! Ditto for any email you receive asking you to ‘verify’ details for your credit card info by clicking on a link in the email to take you to a verification page. If it’s a company with which you do business - PayPal for instance - ...
19 January 2008
Abusing Your Credit Card Could Hurt Your Credit Score
Tip! Do some research. If you have never had a credit card before, the details of credit card agreements can be baffling.
A creditor uses a credit score to decide whether to give you a credit or not. The credit score is based on statistics and uses re...
18 January 2008
Using a Credit Repair Service
Tip! Determine what you can cut back on. Credit repair means work and you will likely need to give up on some stuff so that you can improve your situation.
It is certainly no secret that more and more consumers today are finding themselves deeply in de...
