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...
January 2008
Bankruptcy Credit Counseling Under The New Bankruptcy Law
Tip! Every single state in the United States has it’s very own interpretation on bankruptcy, some better than others. In some states you are permitted to hold onto your assets while other states grab hold of everything you own and require you to ...
What Determines a Credit Score?
Tip! When reviewing your credit report, use the above listed areas of evaluation to help raise your credit score.
Many of us may not know our credit score, some may not even be aware of a credit score, that is until they attempt to apply for cr...
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 ...
Unsecured Debt Consolidation Loans - Debt Reduction without Using Collateral
Tip! Sort the debts. You should physically put them into two piles: one for monthly bills you can’t do anything about and one for other (these will end up being bills eligible for debt consolidation).
Eliminating debt is not an easy task. For th...
How to Avoid Credit Card Fees
Tip! Don’t just cut up your credit cards: cancel them.
Credit cards have become a necessity for some people in society. Why not? They help out a person extend his cash flow more. If you are in a tight fit and would need to use cash, the credit ca...
Raising Your Credit Score
Tip! Obtain a copy of your credit score report from one of the three major credit bureau agencies: Equifax, TransUnion or Experian.
Mortgage lenders generally check with three credit bureaus in order to evaluat...
Why Go For a 0% Intro Rate 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.
Although really, the question should be, why shouldn’t you go for a 0% intro rate ...
Is It Time to Switch Reward Credit Card Companies?
Tip! Online resources: There is stiff competition online among various credit card companies to encourage people to apply for credit cards. Many a times you will find some companies even risking their necks to offer you a credit card, even though your...
Do Credit Repair Yourself - No One Else Can Do It For You
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
Doing credit repair yourself does not require any special knowledge. You don’t have to be an accountant, nor do you have to pay ...
December 2007
Credit Card Selection for the Inexperienced
Tip! It is easy to be lured into spending up to the credit card’s limit; before you know it, that one moment of weakness a month has taken you up to the limit.
Credit History - Before you apply for a card you should get a free credit report so yo...
The Fundamentals of a Credit Card
Tip! Treat your credit card like a debit card.
Credit cards, if used wisely, can be extremely handy and useful. By carrying a credit card you will eliminate the worry that comes with carry cash in regards to theft. Additionally, if you choose the right...
How to Get Out Of Debt - Part 1 - This is Better than Debt Consolidation and Will Save You Money
Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company.
Rule Number 1: If you’re in debt you need c...
Personal Credit Report Rating - 3 Tips to Improve Score
Tip! Don’t attempt to create a separate credit identity to get around your flawed credit report.
Your personal credit report score largely determines the rates you can
qualify for with most types of credit. The higher your score, the
better rat...
Your Credit Score - How It Is Calculated
Tip! Try to keep your credit balances as low as possible. You can also ask the lender to increase your credit limit which can increase your credit score.
Do you know your credit score? If not, you should check it out before you make any more loan appli...
Chapter 13 Bankruptcy: How It Effects Your Home
Tip! Ask for suggestions from legal professionals. Find a bankruptcy attorney at the circle of your acquaintances.
There is no doubt that filing chapter 13 bankruptcy will effect your mortgage, but the question is what will it do? When you file, it wi...
Finding an Alternative to Bankruptcy
Tip! You will also have to prove how well you make payments. Again, lenders will not focus on your credit payment history ending in bankruptcy but rather on the payments that you have made since your filing.
Bankruptcy can have serious, long term effec...
Meet Your New Friend, The Low Rate Credit Card
Tip! Payment mode. This could be another factor influencing your choice of credit card.
Low rate credit cards can be very beneficial for today’s shopping consumers. They can be used in a variety of ways to include obtaining a cash advance, purch...
November 2007
Debt Consolidation Loans Can Liberate You From The Burden Of Debts
Tip! If Step 7 is negative or very small, your problem is that you don’t have enough money to live on with your current debt. Debt consolidation may help you, but you need to follow a strict budget that will result in the elimination all of your ...
Credit Repair & Scoring - A Better Understanding
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.
Credit remediation is a subject consumers often face with fear and trepidation, and fo...
Personal Bankruptcy Laws
Tip! The possibility of getting loans approved will be lowered, because all creditors will first check your credit report where the bankruptcy shows.
Individuals can file for personal bankruptcy as a last ditch effort when their credit reaches the limi...
Check Your Credit Report Regularly
Tip! You will see the addresses for each creditor on the credit report. If it is not there, then you can call customer service to ask them to provide you with the missing information.
Identity Theft & Your Credit Report
———...
Ensure Low Cost Finance on Opting for Free Bad Credit Personal Loan
Tip! Your bad credit history is caused because of CCJs (country court judgements), defaults on repayments or missed payments. However, some lenders will have no qualms about approving bad credit personal loan despite bad credit history.
1f76
Though t...
