Credit counseling is a free service that many people with money problems have turned to in the face of financial ruin. Credit counseling companies negotiate with your creditors to reach financial solutions that benefit both you and your creditors. Often they are able to lower your monthly payments, reduce high... Read More
Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what's on your credit report?If you've ever applied for a charge account, a personal loan, insurance or a... Read More
Joint debts remain joint debts.Both spouses signed a legally binding contract with the creditor, and a divorce decree neither amends this contract nor relieves the creditor's investment in you. Amendment of any contract requires agreement by all parties, including the creditor, and proof of the amendment requires the signature of... Read More
Many companies use the slogan "Bad Credit? No Credit? No Problem!" The truth is that it is in fact a problem and there is no easy way to correct it. It takes a lot of time and effort to obtain credit when you do not have any and even longer... Read More
It is wise for you to have a company credit card like a VISA card. How can you find the least expensive bank card for your business? You may decide to use a VISA card from your local bank. Check the interest rate on unpaid balances. It is excessively high?... Read More
Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse. The Telephone Consumer Protection Act would have required collectors to identify the registered name of their business in any pre-recorded... Read More
With interest rates rising, low or zero percent credit cards may soon become a thing of the past. However, the wise shopper can still secure a low rate by carefully shopping around. Here are some ways you still get a bargain rate card:Contact Your Current Provider. Chances are the interest... Read More
I didn't think it was possible. But it is. Folks, there is something worse out there than putting everyday expenses on a credit card, then carrying the balance. The guys I'm going to tell you about make the credit card people look downright benevolent. Meet your smiling neighborhood cash advance... Read More
Ok, let's face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good news however is that it... Read More
If you are married, establish separate credit accounts.Try to finance real estate in just one partner's name to increase your investment financing potential.Avoid joint credit, which limits financing possibilities for both individuals rather than one at a time. Accounts in one partner's name only count against that individual's credit.In other... Read More
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Credit Cards can bankrupt you if you let them run... Read More
When credit cards are used wisely they can be very... Read More
Credit has become a much-used word, thanks to the various... Read More
Do you have enormous credit card debt? You are certainly... Read More
Chances are you've gotten your share of offers like this... Read More
There are a couple of reasons for this. You can... Read More
How do these people get my name? If you have... Read More
Check 21 is the common name for the Check Clearing... Read More
Mark and Beth, a young married couple in their twenties,... Read More
Credit card balance transfer involves using a credit... Read More
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Here are some useful tips on borrowing money. Borrowing money... Read More
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Lenders are quite fussy about what they like to see... Read More
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Do you know why you should check your credit report?Of... Read More
WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying... Read More
"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've... Read More
Consumers today are up to their eyeballs in debt. And... Read More
In the new millennium plastic money or credit cards has... Read More
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Obtaining a credit report is an excellent way to begin... Read More
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Clean Credit Reports, your credit report contains information about where... Read More
Credit card consolidation is a popular solution for those with... Read More
Until recently lawyers for victims of credit damage had little... Read More
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By Federal law, you are entitled to one free credit... Read More
According to the September 2004 issue of the Nilson Report,... Read More
A check can be considered bad if it is bogus... Read More
How many of you bank, shop, or transact other business... Read More
A bad credit history can sometimes seem like a curse...... Read More
If you are one of the millions of people out... Read More
It's not as hard as you think to raise credit... Read More
The all important credit score! It determines the amount of... Read More
When you apply for credit, those lending you the money... Read More
Credit and charge card fraud costs cardholders and issuers hundreds... Read More
We have all heard countless stories of people over their... Read More
Collection agencies are businesses that collect past-due bills and accounts... Read More
There is a big difference between looking after your own... Read More
The process of clearing credit can be laborious and frustrating.... Read More
Your credit report is a very important piece of the... Read More
Credit Score FactorsThe information contained on our credit reports affect... Read More
Let's be crystal clear, right up front. Paying someone to... Read More
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Keep Your Credit History Clean - Remove A Negative Credit... Read More
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YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER!Let's... Read More
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Here, Cratchet, what do you think you're doing?Uh, er, leaving... Read More
By now, you have undoubtedly heard of credit card fraud,... Read More
Chances are you've gotten your share of offers like this... Read More
Now in a world with so many easy to get... Read More
Lenders are quite fussy about what they like to see... Read More
The Credit Report is like your scorecard in the lending... Read More
There will come a day when you need credit. You... Read More
When you apply for a credit card, the application that... Read More
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