May 2008
Credit Report - How Your Credit Score is Determined
Tip! Pay with cash Using debit cards and cash are good ways to control your debt (and therefore maintain a great credit score).
Most consumers are aware that they have something known as a credit report that is used to determine whether or not they ...
Repairing Your Credit Score and Clearing Derogatory Marks on 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.
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Raising your ...
5 Tips for Finding the Best Travel Reward Credit Card
Tip! Variable APR: A variable annual percentage rate allows credit card issuers to change your APR based on fluctuations in indexes such as the prime rate.
Travel reward credit cards are a part of the credit card reward program that allows you to red...
Making Sense of the Information in Your Credit Report
Tip! Creditors use your credit report and score to decide whether or not you should be given a loan.
If you’ve ever applied for a credit card or loan, you’ve
probably had your credit report reviewed by the lender. Your
credit report has ...
Credit Card Applications - What to Do and What Not to Do!
Tip! Do some research. If you have never had a credit card before, the details of credit card agreements can be baffling.
Not certain how to apply for a credit card?
Unsure if applying for more than one credit card will adversely affect your chances o...
April 2008
Credit Report - How Your Credit Score is Determined
Tip! Get a copy of your credit report. Take advantage of the free government credit report from each of the National Consumer Credit Bureaus: Equifax, TransUnion and Equifax.
Most consumers are aware that they have something known as a credit report t...
Five Simple Steps You Can Take to Improve Your Credit Score
Tip! New credit - Applying for too much new credit is one of the easiest ways for people to inadvertently harm their credit score.
You can improve your credit score by taking a few simple steps such as paying down your debt, reduce credit card charges,...
A Road Map To Avoiding Credit Card Hazards
Tip! A high credit rating will qualify you for more credit card offers than a low credit rating. The higher your credit rating, the more likely it is that you’ll be approved when you apply for a credit card.
Accident Ahead: 10 Credit Card Traps
...
Why Your Credit Score Matters
Tip! Pay off debts to improve credit scores.
Among the many innovations that emerged after World War II, credit use has become a major factor in our entire economic profile. As a result, your credit rating is the most important factor in determining yo...
Fixing Your Credit Score Doesn't Have to Cost You
Tip! If you are sincerely interested in improving your FICO credit score, bankruptcy MUST be avoided! Bankruptcy is more negative than late payments or collection accounts.
Credit repair advertisements claim to guarantee a quick fix on your credit repo...
Big Brother Knows What's in Your Credit Report - How About You?
Tip! Education loans are also sanctioned by colleges, universities, and other institutions based on your credit report. So, if your kids are planning to go to college and qualify in professional courses then their whole future will depend on your havin...
How to Repair Your Credit with Debt Consolidation
Credit Repair & Collection Agencies. Credit Repair & Debt Collections Help For Consumers.
What you can do about your credit score
If you wonder whether or not debt consolidation will help or hurt it your
credit score. The answer is…..m...
FREE Credit Report Offer - Careful, It Might Carry Hidden Charges
Tip! Get a copy of your credit report. Take advantage of the free government credit report from each of the National Consumer Credit Bureaus: Equifax, TransUnion and Equifax.
FREE credit checks or free credit reports. What are they all about? Why ever...
Business Credit Card Can Help Owners Go the Extra Mile
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.
The marketplace has many typ...
5 Tips 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...
Don't Fall for Credit Repair Scams
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
We’ve all seen the ads on television or in magazines, shouting, “Erase bad debt!” or “Remove negative entries ...
March 2008
Use a Bad Credit Credit Card to Repair Your Credit
Tip! Fixed APR: A fixed annual percentage rate is not subject to adjustment based on indexes like the variable rate. But beware that credit card issuers reserve the right to change the your rate at anytime.
If you’ve been struggling with credit ...
Three Easy Ways to Make Money With Your Credit Card
Tip! Refinance: If you are making mortgage payments on your home, you can get a credit card account opened through your bank. The bank will refinance the loan amount and you will be able to use as much money as you have refinanced.
People often view cr...
What is a Credit Report
Tip! Check Your Credit Report. Make sure you know what your credit is like.
This article is a concise, informative tell-all explaining what exactly a credit report is, and what that means to you. It will NOT inform you where to get a cheap, or free, c...
How Credit Card Issuers Use the Prime Rate
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...
Credit Card Debt Statistics
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.
In the United States, the debt levels of Americans have continued to increase since the ...
Credit Card Application Facts
Tip! Build credit rating Credit cards are a good way to establish your credit worthiness in the market. Based on whether you make timely payments or default on them, the credit card companies maintain your history and build your credit rating over a pe...
Establishing Credit with a Student Credit Card
Tip! If you are offered a store card and there’s an unbeatable opening offer on your purchase, take it. Then, if you can’t pay off the debt in one go, use your credit card to pay it off so that you at least get lower interest charges.
One ...
February 2008
Credit Card Basics: Make the Right Choices
Tip! Reduce credit card debt fast by paying only the minimums on most cards. Suppose you can budget $200 monthly to pay down your credit card debt.
If you’re getting ready to apply for a credit card for the first time, you may be concerned about ...
What You Should Know About Your Credit Card
Tip! Interest free period. Also, it’s a good idea to compare the interest free periods offered by various credit cards.
Knowing how a credit card works is important as this is the only way you can make the card work for you rather than the other ...
