April 2008
Debt Consolidation Loans: The Long and Short of It!
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 ...
Understanding the Cash Back 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.
Cash back credit cards are cards that reward the cardholder with cash back incentives for purchas...
Avoid Bankruptcy
After Bankruptcy Credit Solutions. New 3-Step system shows you how to rebuild your credit, increase your credit score & qualify for loans after bankruptcy.
The first but definitely not the easiest thought that comes to most people when they are ne...
Automobile 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.
When applying for a loan to purchase a car, the lender will...
Instant Credit Card Approvals - How to Avoid Fees
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.
Inst...
Free Annual Credit Report
Tip! Don’t attempt to create a separate credit identity to get around your flawed credit report.
Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information o...
Best Car Loan Rate - How to Get the Most From Your Credit Score
Increase Your Credit Score -Fast! Save Thousands by correcting your credit yourself. Easy step-by-step instructions.
Your credit score is the most important factor to getting the best car loan rate. Many shoppers make the mistake of going to the car d...
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 ...
The New Bankruptcy Law -- How Will It Affect Debt Negotiation?
Tip! Have derogatory credit items removed from your credit report. For the items charged off in your bankruptcy, you will need to send a copy (not the original) of your bankruptcy discharge papers to all 3 of the credit bureaus asking them to remove t...
5 Things You Should Know Before You Apply for a Contactless Credit Card
Tip! Never give your credit card number to someone that calls you on the telephone. If the caller purports to be from a company that you do business with, or from the credit card company itself, tell them that you’ll call them back at the number ...
How To Dispute Your Credit Report Errors
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...
Be Careful of Inquiries on Your Credit Report
Tip! Every negative credit record on your credit report can be negated by you at any time. The credit bureau must reinvestigate and if that item cannot be verified within a reasonable amount of time, that credit record must be removed from the credit f...
An Average Credit Score - It Is Important When Borrowing
Tip! Closing unused accounts is a negative strategy to raising one’s credit score. Factually, fewer open accounts with the same amount of debt ultimately reduces a credit score.
The average credit score is the rating that the 3 major cred...
Credit Repair: How To Deal With Your Creditors
Credit Repair & Collection Agencies. Credit Repair & Debt Collections Help For Consumers.
If you are in danger of credit problems because you have more debts than you can handle, there are things you can do at least keep your creditors reason...
How Bankruptcy Affects Student Loans
Tip! Fourth step is optional; you can apply for a mortgage after bankruptcy even with bankruptcy discharged yesterday and just about any time you want.
The vast majority of government student loans cannot be gotten rid of easily, even filing for bankru...
February 2008
Car Loans for People with Bad Credit - Easy Loan for a Car
Tip! Getting a bad credit car loan is not as easy as other financing. The borrowers need to do some legwork in the market and smart negotiation with lenders to get an Adverse credit car loan.
Car is no more considered as luxury but an inevitable vehicl...
Bankruptcy and Debt - New Law May Hurt Katrina Victims
Tip! If I file for bankruptcy it may cause more family troubles than I already have, maybe even divorce.
The world remains horrified at the tremendous destruction caused throughout the Gulf Coast recently by Hurricane Katrina. An unknown number of peo...
What's in My Credit Report?
Tip! Don’t attempt to create a separate credit identity to get around your flawed credit report.
Your credit report contains a list of every member creditor who has lent you money or provided you with credit in any way. It shows your charge accou...
Debt and Bill Consolidation - Consolidate Debts with No Loan or Credit Check
Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan.
Debt consolidation has several advantages. For the most part, many
consumers are unable to eliminate their debts. High finance charges and
...
How to Quickly Improve Your Credit Score by Adding Positive Payment History to Your Credit Report
Tip! Paying your bills on time is the first step in improving your FICO credit score. Late payments can have a big negative impact on your FICO score, 30 days or more late on one account can lower your FICO score 50 points or more.
Most consumers are ...
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...
A TRW Free Credit Report - Get It From Experian
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...
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...
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...
