February 2008
The New Bankruptcy Law "Means Test" Explained in Plain English
Tip! The possibility of getting loans approved will be lowered, because all creditors will first check your credit report where the bankruptcy shows.
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With the new bankruptcy law in effect since October 17, 2005, there is a lot of confusion with ...
The Importance of Your Credit Report
Tip! Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two free credit reports.
Everyone knows that ...
Balance Transfer Credit Card Rules
Tip! Card holder agreement — The written statement that gives the terms and conditions of a credit card account. The cardholder agreement is required by Federal Reserve regulations.
A balance transfer credit card aids in consolidating credit card...
Bankruptcy and The Small Business Owner
Tip! Ask for suggestions from legal professionals. Find a bankruptcy attorney at the circle of your acquaintances.
October 17th is fast approaching when the new bankruptcy laws take place. What effect will this have on the small business owner? Probabl...
Bad Credit Debt Consolidation Loan Quote
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.
Obtaining a debt consolidation loan is one of the...
Online Credit Card Account Access
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.
Credit cards, the Internet and online services all pave the p...
Credit Card Debt Consolidation Loans: Dig You Out of the Payment Grave
Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan.
If you have money in your pocket, you can spend only as much as you have, but there is no such limit when you are a credit card owner. Most p...
Debt Consolidation Solutions and Debt Consolidation Quotes
Tip! The Debt Consolidation Representative will then contact your creditors, negotiating the lowest interest rates and reduced fees possible.
Debt consolidation is not a loan. It is a process where you work with a Debt Repayment Representative who nego...
A Debt Consolidation Loan Can Give You Back Your Freedom
Tip! The Debt Consolidation Representative will then contact your creditors, negotiating the lowest interest rates and reduced fees possible.
The number of people who are engulfed by debt trap is increasing. When people start taking out loan, they do n...
January 2008
Repair Your Credit and Prevent Future Credit Problems
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...
The Advantages of Owning a Reward Credit Card
Tip! Floor — The minimum rate possible on a variable-rate loan or line of credit, after any initial introductory rate period. For example, on a credit card with the Prime rate as its index, no matter how low the Prime rate drops, the rate on the ...
Tips on Credit Card Management
Tip! Has Much Experience - Established credit card agents have a better chance of helping you with your particular needs. They have had extensive experience in dealing with their clients and are in a better position to help you out.
There’s no ha...
Benefits of a Reward Type Credit Card
Tip! Pay your credit card bills on time. I know that may seem like an obvious one, but you may be surprised how many people do not do this simple task.
There are many different types of credit cards available in the market that may even be divided i...
Identity Theft: Credit Card Owners Worst Enemy
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 cards give opportunities for scammers to steal your personal information and us...
Why You Should Consider a Business Platinum Credit Card
Tip! Cashback credit cards give you a percentage of your cash back each time you use them. Some cashback credit cards offer a higher percentage when you use them at the shops of ‘member merchants’, but the card can still be used at any shop...
December 2007
How to Fix Your Credit Score
Increase Your Credit Score -Fast! Save Thousands by correcting your credit yourself. Easy step-by-step instructions.
570. I was shocked and disturbed seeing the number that I long neglected checking. Must be some sort of mistake. No, that is what h...
How Credit Repair Works
Credit Repair & Collection Agencies. Credit Repair & Debt Collections Help For Consumers.
With personal debt at an all-time high, a number of individuals have found that they have overextended themselves and have become immersed in debt. As t...
How To Get A Squeaky Clean Credit Report
Tip! Check Your Credit Report. Make sure you know what your credit is like.
Maybe you’ve gone through a divorce and now you’re dealing with a lot of high interest credit card debt, or maybe you’ve fallen behind on your payments after...
Protect Your Credit Card
Tip! Pay your credit card bills on time. I know that may seem like an obvious one, but you may be surprised how many people do not do this simple task.
In addition to protecting your credit rating, it is also important to protect the physical credit...
Five Steps on How to Find and Choose A Bankruptcy Attorney
Tip! Prior to filing for Bankruptcy, know and explore all of your options. When all is said and done, bankruptcy should be looked at as your very last option to get you out of debt.
If you are like many men and women in the 21st century, you may have...
Credit Score Lowered When You Cancel Credit Cards
Tip! Pay off debts to improve credit scores.
Most people are aware that anytime they seek a loan, the lender will check their credit report to see if their credit history warrants such a loan. Along with the credit report, the lender will almost certa...
Online Debt Consolidation Loans Have Made It Simpler To Get Out Of Debt
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.
Debts are a result of loans that one had taken on...
Bankruptcy? Don't Get Messy With It
Tip! If I file for bankruptcy it may cause more family troubles than I already have, maybe even divorce.
Despite the serious short term and long-term effects associated with filing bankruptcy, the number of people filing bankruptcy lately has been on t...
Credit Repair Services
The Attorney’s Guide To Credit Repair.
Credit repair services are designed to help you fix your bad credit. Are you looking for information about debt issues? Curious about finding legal and secure options to bankruptcy? Lots of people are findi...
