August 2007
5 Things to Know Before You Apply for a Platinum Credit Card
Tip! Don’t just cut up your credit cards: cancel them.
In our current society where high regard is placed on prestige, image and personal profile, Platinum Credit Cards are often used as status symbols. This stems from that fact that these cards ...
Debt Consolidation Loans
Tip! You must consider whether debt consolidation is cost effective in the long term. Paying off an existing debt may incur charges for early settlement, and there may also be a fee for arranging your consolidation loan.
Debt consolidation loans are de...
Knowing When to Apply for a Bad Credit 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.
With the stiff competition in the credit market nowadays, it is fairly easy for anyone t...
How Long Do Credit Inquiries Stay on a Credit Report?
Tip! Many times the creditor does not re-verify in time or the credit bureau is busy and does not handle your dispute properly. This credit record must then be deleted from your credit report.
Credit reports can be a bit of a balancing act. On one han...
Credit Card Skimming
Tip! Secured card — A credit card that a cardholder secures with a savings deposit to ensure payment of the outstanding balance if the cardholder defaults on payments. It is used by people new to credit, or people trying to rebuild their poor cre...
How Credit Card Balance Transfers Can Affect Your Credit Score
Tip! When reviewing your credit report, use the above listed areas of evaluation to help raise your credit score.
How will credit card balance transfers affect my credit score and rating?
Transferring balance from a high interest credit card to...
Reduce Heavy Monthly Payments through Debt Consolidation Loan
Tip! The Debt Consolidation Representative will then contact your creditors, negotiating the lowest interest rates and reduced fees possible.
Concept of Debt Consolidation Loans
The basic idea behind debt consolidation loan is to take out a consolidate...
July 2007
Where to Go For Credit Repair Help
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
You may have heard that only time can repair bad credit, but the truth is that even time does not always repair issues that affect your credit rating. Th...
Debt Consolidation Loans the Way to Debt Freedom
Tip! Some companies will also charge exceptionally high debt consolidation fees to people who have high interest loans. Sometimes these fees can be extremely close to, or at the state maximum for mortgage fees.
Debt consolidation loan helps in managing...
So You Thought You Wouldn't Have To Deal With Creditors After Bankruptcy...WRONG!
Tip! Forward these documents along with the discharge to all of the credit-reporting agencies (listed below) requesting that each creditor included in the bankruptcy be updated to properly reflect a zero balance with the status included in bankruptcy.
...
Get a Car Loan Even With Bad Credit History
Tip! If we compare these two forms of bad credit car loan, the former provides flexible terms and conditions; in other words, they are flexible in nature. On the other hand, the latter is rigid in nature.
Getting a Car Loan with a bad credit history is...
Online Debt Consolidation
Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan.
Many people face financial constraints in their lives and are often burdened with loans. They may seek a way out of their debt to ease their ...
Gas Rebate Credit Card - Ways to Save on That Fuel Bill
Tip! Rescuer in financially tight situations There are times when you need some extra cash immediately. In such emergency situations, when you don’t have sufficient cash you can go on credit by using your credit card.
Almost weekly gasoline price...
Credit Repair Information
The Attorney’s Guide To Credit Repair.
You may have heard that bad credit report repair is impossible or illegal. Bad credit report repair is possible and if you contact a law firm which specializes in credit report repair, then it can all be d...
Should I Mail Credit Repair Disputes by Certified Mail?
The Attorney’s Guide To Credit Repair.
When doing credit repair, you can find all kinds of advice on how to send your letters.
Many say that you MUST send every letter CMRRR. That is, Certified Mail, Return Receipt Requested. That cost about $4....
Credit Repair... Can I Do It Myself?
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
I’m sure you have seen them everywhere. Little ads promising perfect credit in 30 or 60 days. They all claim to have the hidden secrets of credit re...
Free Credit Score Services
Tip! Pay with cash Using debit cards and cash are good ways to control your debt (and therefore maintain a great credit score).
A credit score is a score based on the credit report of an individual. It reflects the person’s credit worthiness d...
Debt Consolidation
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).
Credit cards can be great if you know how to...
June 2007
Free Credit Report And Score
Tip! Manage your credit card balances. It’s best for your credit score if the balance on a given card is less than 50% of the limit on that card.
A credit report is document that contains the record of a person’s credit payment history. A c...
Abusing Your Credit Card Could Hurt Your Credit Score
Tip! Paying off a collection account will not remove it from you credit score.
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 real data obtained from your credit report and...
In Financial Trouble? Consider Debt Consolidation Services
Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan.
While everyone’s situation is different, many people find themselves in need of debt consolidation services for one reason or another. ...
Rewards Credit Card Offer Sweet Perks
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...
Millionaire Credit Repair: Living Rich in a Maxed Out World
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
As a real estate investor, I meet a lot of people who are down and out. About half are still angry about their circumstances, half are still surprised an...
If You're Looking for an Alternative to Bankruptcy an IVA Could be the Answer
Tip! The possibility of getting loans approved will be lowered, because all creditors will first check your credit report where the bankruptcy shows.
IVA- An Alternative to Bankruptcy
For many people the idea of going bankrupt feels them with horror- a...
How To Analyze The Cost Of Credit Card?
Tip! Your credit rating affects the APR that you are offered. The ‘typical APR’ that’s listed by most credit card UK companies is the rate that they must offer to at least 2 of every three customers that they approve for that credit ...
