As a consumer you've learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.A bad credit history... Read More
"I think money was stolen from my card" or "I might have blocked my card in the ATM" - these are frequent problems that bank customer-support officers usually hear from agitated clients. Incorrect use of credit cards or wrong interpretations of their functions are frequent even after tens of years... Read More
When I received my first credit card in the mail at age 18 I was ecstatic, I said to myself, wow now I'm getting somewhere in life. This credit card company thinks I'm worthy of 500 dollars in credit. So I made my monthly payments like a good consumer and... Read More
Today, selecting the proper credit card can be a bit confusing to say the least. There are literally hundreds of offers from the major institutions eagerly competing for your business. The easiest way to shop for a credit card is to break them down into categories. There are seven major... Read More
The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) where US residents can obtain free copies of their credit reports from the three major credit report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair and Accurate Credit Transactions Act... Read More
It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score falls under 620 just getting loans and credit cards with reasonable... Read More
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you?When you make purchases on a credit... Read More
It's no surprise that thousands of Americans are victimized by identity theft each year. Last year more than 9,000,000 people were victims of identity theft amounting to some $45 billion dollars.By the time the average person realizes they have become a victim of identity theft; it is much too late.... Read More
The next time you open your credit card statement, take a closer look at the small insert titled "changes to your credit card agreement". You know the one I'm speaking about. It's that small, folded paper written in legalese that you promise to read some other time (but of course... Read More
YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER!Let's just take a brief moment to recap:If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things:You now know how to take advantage of... Read More
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1. Payment History -- 35%The number of accounts paid as... Read More
Clean Credit Reports, your credit report contains information about where... Read More
Now in a world with so many easy to get... Read More
Creditors will measure your credit rating based on the following... Read More
Your credit score can either haunt you or reward you.... Read More
These days, credit cards in the UK are competing with... Read More
Credit card debt is a growing sickness in the United... Read More
How Lenders Operate ? And How They'll Make a Tidy... Read More
Establishing credit and wisely managing your credit becomes easier when... Read More
Credit card balance transfer involves using a credit... Read More
Obtaining a credit report is an excellent way to begin... Read More
Credit Cards can bankrupt you if you let them run... Read More
Moving money from credit card to credit card to take... Read More
ChexSystems is a company that maintains a subscriber membership service... Read More
As I am not from the US, I had no... Read More
Your personal credit file is separated from those with the... Read More
Most of us want a good credit report to obtain... Read More
You can stop receiving credit card offers in the mail!... Read More
Credit repair, is in a word, vital to reestablishing your... Read More
If you are one of the millions of people out... Read More
Your credit rating / credit score is based upon how... Read More
Credit cards are just so convenient, aren't they? There's no... Read More
For people with a spotty credit history or bad credit,... Read More
If you're like the average person, let me warn you... Read More
INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!Note: The following is part... Read More
A credit report is basically a file about you kept... Read More
Anywhere you go online nowadays, you will see a multitude... Read More
In "Become the Squeaky Wheel" a book recently published, Michelle... Read More
Lenders are quite fussy about what they like to see... Read More
Reach into your wallet or purse, pull out a card,... Read More
How many of you bank, shop, or transact other business... Read More
The nightmare of identity theft strikes an estimated 750,000 people... Read More
One of the easiest ways to borrow money of a... Read More
The good thing about bad credit is that you can... Read More
By far the greatest invention the banks have ever come... Read More
Whether you have no credit or damaged credit, secured credit... Read More
Mortgage loans are some of the most difficult loans to... Read More
Your credit score may just be a little number, but... Read More
Just when most people finish with school and can stop... Read More
Many companies use the slogan "Bad Credit? No Credit? No... Read More
As you probably know, interest rates are at all time... Read More
"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You... Read More
The Beginning of the Credit Card EraIn 1951, Diners Club... Read More
It's not as hard as you think to raise credit... Read More
With prepaid credit cards, you get the practicality of plastic... Read More
Which of the following is the biggest threat to your... Read More
You're interested in getting the best credit cards for your... Read More
Credit score is one of the most basic, determining factor... Read More
Your credit rating / credit score is based upon how... Read More
In "Become the Squeaky Wheel" a book recently published, Michelle... Read More
Like me, you've probably been offered a fair old number... Read More
There are a lot of questions about using credit cards.... Read More
It is very easy to find a site that is... Read More
When you apply for a credit card, the application that... Read More
Ok, let's face it, everybody hates high credit card rates,... Read More
It goes without saying that your first and best defense... Read More
1- Check your credit report regularly2- Secure personal information in... Read More
INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!Note: The following is part... Read More
Credit cards are just so convenient, aren't they? There's no... Read More
These days, people need to very carefully consider what type... Read More
Congratulations college freshman! You're about to embark on one of... Read More
1. Buy clothes at thrift stores. BEFORE you buy them,... Read More
Your credit report is a very important piece of the... Read More
What is a balance transfer?A balance transfer can be explained... Read More
What FACTA means is that if you, as an individual,... Read More
#1 Make sure mistakes aren't hurting your credit.Reviewing your credit... Read More
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