September 2007
10 Reasons Why You Should Have a Business Credit Card
Tip! Check several sources of information. The Federal Reserve publishes a survey of credit card terms every six months, and there are a wide range of websites that are useful for comparing cards available to you.
There are lots of good reasons that y...
What You Can Do To Improve Your Credit Score
Tip! An individual’s race, sex, age, level of education, or marital status has no bearing on a credit score, nor does the fact that an application for credit was previously turned down.
It is hard to watch television these days without hearing ab...
August 2007
Why You Should Order Your Credit Report Information
Tip! In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information.
Whether you know it or not your credit score ...
Student Credit Card - Choosing Your First Card
Tip! Your credit card application can affect your credit rating.
Every young student going off to college wants the liberty of having their own credit card. What a great privilege it is, and sometimes, it could even be a great gift idea for a student, ...
Your Credit Score May Not Be an Actual Credit Score
Tip! Paying off a collection account will not remove it from you credit score.
Your credit scores are calculated based on information your creditors send to the credit bureaus. But the way that your score is calculated depends on whether you or your le...
Apply for a Travel Rewards Credit Card and Travel Smarter
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.
Are you a frequent ...
5 Things to Know Before You Apply for a Prepaid 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.
The ...
Chapter 7 Bankruptcy
Tip! The next step in filing for bankruptcy is to determine exactly what assets you have available to you. Your assets include your recurring income from your job, your home and major items of personal property that you might own (including such items...
Non Profit Debt Consolidation Programs
Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan.
Debt consolidation programs exist to help troubled consumers out of their financial crises are proven to be effective and tend to be really h...
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...
Where Do You Get Your Credit Repair Advice?
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
Big banks, mortgage brokers, credit repair companies, web sites and blogs… seems like everyone is giving advice on how to fix your credit. But what ...
How to Opt Out of Credit Card Solicitations
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.
Irritated by too mu...
New Credit Score System Supposed to Simplify, Not Confuse
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
A lot has been written in the past few years about the importance of both credit reports and credit scores. The credit report is a listing of all significant financi...
Government Debt Consolidation Loans
Tip! The Debt Consolidation Representative will then contact your creditors, negotiating the lowest interest rates and reduced fees possible.
Government debt consolidation loans are loans offered through various government programs to pay off multiple ...
Why A Credit Card Will Not Solve Your Financial Problems
Tip! Your credit card application can affect your credit rating.
Although a credit card offers you convenience, it is not cash, simply a substitute for cash. You need to have cash in your bank account to pay for all the purchases. So using a credit car...
Defining Bankruptcy
Tip! Why doesn’t everyone just call bankruptcy when everything gets too hard. Put simply, your credit is ruined.
Considered to be a hot topic by some and a grim reality by others, bankruptcy is a serious issue that many people around the world fi...
Payoff Debts - Home Equity Debt Consolidation
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.
Because of high finance fees, reducing credit car...
July 2007
5 Cons of Owning a 0 APR Credit Card
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.
If you have received an offer recently for a 0 APR credit card, ...
Why Paying Your Income Taxes With a Credit Card is a Rip Off
Tip! Your credit card application can affect your credit rating.
If you own your own business or have not been deducting enough from your paychecks each week, you will probably owe some income taxes when tax time rolls around. This is never fun, and if...
Online Credit Repair Services
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
Online credit repair services may be one of the newer online services. There are so many things that can be taken care of online thes...
Five Tips For Building A Good Credit Score
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.
Improving yourself ...
Airline Credit Card - Who Needs Them?
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.
An airline credit card is one which rewards purchases with air travel miles or points which ca...
Instant Credit Card Approval - An Ideal Way To Get Credit
Tip! Teaser rate — Often called the introductory rate, it is the below-market interest rate offered to entice customers to switch credit cards or lenders.
For those that are looking for instant credit card approval, why wait until the mail arrive...
Student Credit Card - Help with Managing Finances
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...
What You Need To Know About Bankruptcy Before You File
Tip! bankruptcy is a repayment plan that will restructure your arrearage. More than 95% of all Ch.
Bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. A declared state of bankru...
