June 2007
Why Should We Go For Personal 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).
The likelihood of people getting trapped in ...
Guide to a Debt Consolidation Loan
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 Report Repair
Tip! Also if you have been denied credit on the basis of information in a credit report, you are entitled to a free copy of your credit report from the credit bureau that supplied the credit report.
Credit report repair refers to the procedures adopted...
Getting Your Free Credit Report
Tip! Creditors use your credit report and score to decide whether or not you should be given a loan.
There are many ways you can get a free credit report. Listed below are some different ways to obtain a free credit report.
If you were recently turned ...
Credit Repair Schemes and Scams vs Credit Repair Attorneys
Credit Repair & Collection Agencies. Credit Repair & Debt Collections Help For Consumers.
Unlike the services offered by credit repair attorneys, many companies suggest options that are questionable and some which are downright illegal. Ther...
Your Credit Card - Know It Like It's Your Best Friend
Tip! Store cards are still credit cards.
The use of credit cards in Australia is escalating possibly on the back of a good economy breeding confidence although do people know how to service this debt and how much it could be costing?
Australians owe $3...
The Bad Credit Card That May Do Good
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.
Millions of people u...
May 2007
How to Rent a Home or Apartment After Bankruptcy
Tip! For car loans or mortgage loans after bankruptcy, another important consideration is the down payment. If you have enough funds to put down on a car or a house, then finding a lender will not be a problem at all.
If you are planning on renting a h...
How Credit Card Points Are Earned
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 ...
Information about Credit Rating and Credit Score
Credit Score: A Definitive Guide. Credit Scoring Techniques Based Directly From The Industry’s Standard Of Credit Scoring. The Score That Lenders Use.
When you take credit, you borrow some amount of money which you are obliged to pay after a cer...
The Menace Of Credit Card Debt
Tip! Cash-advance fee — A charge by the bank for using credit cards to obtain cash. This fee can be stated in terms of a flat per-transaction fee or a percentage of the amount of the cash advance.
Credit card debt can often be crippling and lead ...
Where to Find Credit Repair Tips, Letters and Other Information
Tip! Determine what you can cut back on. Credit repair means work and you will likely need to give up on some stuff so that you can improve your situation.
Advice about credit repair, free letter samples and advice from experts can be found in many pla...
April 2007
Avoid Credit Card Late Fees
Tip! Ditto the $199 annual use fee. While many credit cards that are aimed at helping people rebuild their credit have annual fees, the average is $25 to $50.
You may think it somewhat overstated but the truth is that most people who end up defaulting ...
The Credit Repair Triangle
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
I hear of a lot of people that get frustrated with collection agencies over accounts. No matter what the victim seems to do, the colle...
5 Things to Know Before You Apply for a 0% APR Credit Card
Apply Online for a Credit Card Lots of credit cards to apply for. Rewards cards, gas cards, airline cards, no annual fee cards, business cards, student cards & more. Online applications to credit card offers.
You notice an advertisement that says,...
What are the Best Credit Card Reward Schemes?
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...
Credit Card Debt Consolidation Guide
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 ...
