Know Your Credit Card Rights

When you apply for a credit card, the application that you sign is also a legally binding contract laying out all the termsbetween you and the bank, such as the interest rate and how its calculated, the grace period, whether there's an annual fee, etc.While you have to agree to... Read More

How You Can Avoid Becoming A Victim Of Identity Theft

To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take.The most important one is to ask periodically for a copy of your credit report. This is crucial because it is the surest and quickest way to determine... Read More

Will Inquiries Lower Your Credit Score?

What are inquiries?When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The "inquiry" is then reported to the credit bureaus and shows up on your credit report.Does this affect your credit rating... Read More

Getting Your Credit Report and Understanding Whats On It

If you intend to apply for a loan, you need to obtain your credit score. Understanding what this score means will allow you to make the loan process easier and quicker. Let's face it; most people want the loan process to be as painless as possible. Obtaining and understanding your... Read More

Credit Repair Companies and Credit Counseling

Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.Be careful with credit repair scams.Most "credit repair" companies really... Read More

Bad Credit Loans For Those Who Seek Alternatives for New or Old Car

You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders.Getting a Bad Credit Loan doesn't have to be like basic training. Someone with bad credit will more than likely have a tough time buying a brand new car at... Read More

10 Signs You May Need Credit Counseling

Debt management programs can be of real help for people that discover they cannot face their debts. At first, they will attempt to solve the situation all by themselves by cutting down on spending and keeping a close eye on accounts. If this doesn't work then it is time to... Read More

Start Building Credit Fast!

There are a couple of reasons for this. You can pay your bills on time for years and never gain more than a few points on your credit score.As you probably already know, paying minimums on credit cards and bank loans do not lower your principle amount very quickly. When... Read More

Free Credit Report ? Watch Out for Scams

Many people may still not be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed last year. This amendment allows U.S. citizens to receive a copy of their credit report, for free, once per year. The plan is being rolled out slowly in order to... Read More

How Credit Scoring Works

The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours?... Read More

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The Hazards Of Your First Credit Card

You probably don't need me to tell you credit cards... Read More

Choosing the Right Credit Counseling Agency for You ? Some Tips Part 2

Credit counseling companies come in all shapes and sizes. Whether... Read More

Dont Fall for Credit Repair Scams

We've all seen the ads on television or in magazines,... Read More

Choosing A New Credit Card

1. Choosing A new credit cardThere are many reasons for... Read More

Bad Credit Credit Cards

Chances are you've gotten your share of offers like this... Read More

Credit Counseling: Could it Work for Me?

In the face of financial hardship, many seeking a responsible... Read More

Free Credit Report ? A Website Typo Could Be Costly

In 2003, Congress passed the Fair and Accurate Credit Transactions... Read More

Credit Card Is Adding The Silver Lining To Your Pocket

In the new millennium plastic money or credit cards has... Read More

Which Business Credit Cards with Reward are the Best?

Thinking of applying for a credit card with a reward... Read More

How To Establish Great Credit

Building a good credit history is important. If you have... Read More

Bankruptcy vs. Credit Counseling: What Should I Do?

Credit Counseling and bankruptcy are both ways to relieve the... Read More

The FICO Score Misconceptions

There are many misconceptions about credit scores out there. There... Read More

Warning: Todays Non Profit Credit Counselors Are Yesterdays Bill Collectors!

Here's a dirty secret, today's "non profit credit counselors" are... Read More

How To Avoid Becoming A Victim of Identity Theft

With identity theft statistics currently at an all time high,... Read More

Credit Scores and Loan Applications

Keep Your Credit History Clean - Remove A Negative Credit... Read More

Understanding Credit Report Score

Understanding credit report scores is important when you see your... Read More

Like It Or Not, You Have A Score To Settle!

Like It Or Not, You Have A Score To Settle!... Read More

Simple Identity Theft Protection

How many of you bank, shop, or transact other business... Read More

Pitfalls of the Credit Industry

The credit industry if rife with pitfalls. If you have... Read More

A Cure for an Ailing Credit

Credit has become a much-used word, thanks to the various... Read More

How To Prevent Fraudulent Credit Card Transactions

What Are Possible Signs of Fraudulent Transactions see at Web... Read More

Minimum Credit Card Payments to Rise

For years, major credit card companies have allowed cardholders to... Read More

Are you paying higher interest on your credit cards than you think?

Many credit card holders sign up for a credit account... Read More

What Are The Most Common Credit Card Mistakes?

Now in a world with so many easy to get... Read More

Give Yourself Credit

The Beginning of the Credit Card EraIn 1951, Diners Club... Read More

Credit Repair Scam - How To Avoid Being A Statistic?

A good credit history is critically important for the consumer.... Read More

Why Credit Cards are a Bad Idea

Credit cards are just so convenient, aren't they? There's no... Read More

Errors on Your Credit Report: What You Should Do

There are times when you may be turned down for... Read More

Two Things You Need To Know About Prepaid Debit Cards

According to the September 2004 issue of the Nilson Report,... Read More

0% Credit Cards

These days, credit cards in the UK are competing with... Read More

Online Credit Report and Online Credit Reports

Online credit reports are easily accessible to those interested in... Read More

All About Balance Transfers

What is a balance transfer?A balance transfer can be explained... Read More

The Credit Card Surprise That You Need to Look Out For

Companies that issue credit cards want to make a profit.... Read More