Your Credit Score
Credit scores: all lenders use credit scores to determine interest rates and credit limits.The credit scoring system was developed in the early 1950's. However, it was not widely utilized until the early 1980's, when it was overhauled by Fair, Isaac & Company. At that time the 3 major credit reporting... Read More
New Law Provides Free Annual Credit Report
As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactions Act creates a central source consumers can use to obtain a free annual credit report.Equifax, Experian,... Read More
How a Credit Card Can Be Your Friend
We have all heard countless stories of people over their heads with credit card debt-maxing out every card they own, then only being able to afford the minimum monthly payment. High interest payments shackle people to their debt for years, not to mention the significant income drain the finance charges... Read More
How To Boost Your Credit Score
Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, announced they would begin sharing credit scores, also known as FICO scores, with consumers.What is... Read More
Commercial Collections: Business Finance Booster Shot
Commercial collections: fixture of the new B2B cultureIf you're in the business-to-business field, or even if you're a consumer products business that works through third-party distribution channels, you probably know what it's like to check your mail anxiously each day, sifting through all the bills for that payment that was... Read More
Finding Reputable Credit Card Companies
You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure. What do you do?First, don't look for the best credit cards in your... Read More
Identity Theft - Dont Think You Are Immune
As identity theft becomes more prevalent, the need to regularly check your credit report is very easy to see and understand. Two big headlines in the news recently point to how closely tied your credit report and identity theft are.First, we hear of the troubles of Choice Point, a company... Read More
Credit Report ? How Your Credit Score is Determined
Most consumers are aware that they have something known as a credit report that is used to determine whether or not they would qualify for a loan. Fewer are familiar with the FICO score, a creation of the Fair, Isaac, and Co. which distills their entire credit report down to... Read More
Credit Scoring: What You Dont Know Can Hurt You
You've probably heard the term credit scoring. You may have some idea that your credit score can have an effect on your life. For example, you may understand that when you apply for a mortgage, the mortgage company will check out your credit score.But did you know that the interest... Read More
Bank Robbery Growing In U.S.
Bank robbery has grown to become a huge problem in the United States but I am not talking about people robbing banks. I am talking about banks robbing people. Here are some tips on how you can avoid being ripped off by your bank. Avoid The PlasticBanks want you... Read More
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Stop Struggling Because Of Poor Credit And Improve Credit Rating Now
Did you apply for a personal loan only to be... Read More
Saving Money with Credit Cards
Having a credit card is a wonderful convenience for those... Read More
Understanding Credit Report Score
Understanding credit report scores is important when you see your... 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
Learning the Disturbing Facts about Credit Card Debt
When I received my first credit card in the mail... Read More
Which Business Credit Cards with Reward are the Best?
Thinking of applying for a credit card with a reward... Read More
Trade Credit: How to Determine if You Should Offer Net-30 Terms to Your Customers
What is trade credit?One of the major differences between consumer... Read More
How To Avoid Becoming A Victim of Identity Theft
With identity theft statistics currently at an all time high,... Read More
Figuring Out the Ever Nebulous Numbers Called Credit Scores
Credit Score FactorsThe information contained on our credit reports affect... Read More
What Can Happen to You as a Victim of Identity Theft, Facts & Figure
Is identity theft really that serious? Thousands of people every... Read More
Credit Traps Snag Consumers
Nearly 20 years ago I worked for a small consumer... Read More
Credit Card Tips
Here are some useful credit card tips for you to... Read More
10 Ways To Boost Your Credit Score
1. Deleting Errors in 48 HoursThis is the absolute fastest... Read More
Credit Score - Reporting Your Financial Health
Credit score is one of the most basic, determining factor... Read More
Credit Repair Myths and Facts
There are no secrets to repairing your credit. Many shady... Read More
7 Consumer Credit Laws You Should Know if You are Trying to Repair Your Credit
There are seven consumer credit laws you should be aware... Read More
Credit Card Rates - Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates,... Read More
Debt Collection Agencies
Debt collection agencies are often a viable option for receiving... Read More
How To Use Your Credit Cards Wisely
Are you one of the thousands pulling your hair out... Read More
SuperCharged Secret 1 of 5 - Credit Card Utopia
I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!Note: The... Read More
Have You Checked Your Permanent Record Lately?
As a young student I feared getting bad grades because... Read More
Stop Credit Card Offers
You can stop receiving credit card offers in the mail!... Read More
How To Choose Your Credit Card Application
The articles and tips provided on this site are intended... Read More
Save Money and Lower your Payments by Improving or Repairing Your Credit
Having a better credit score not only represents easier access... Read More
Good Credit Is Not A Good Reason To Borrow More Money After Youve Achieved Financial Freedom
The most important thing for you to remember is that... Read More
Free Credit Report ? Watch Out for Scams
Many people may still not be aware of an amendment... Read More
How to Evaluate and Raise Your Credit Score
Why do some people get offers for pre-approved credit cards... Read More
SuperCharged Secret 4, Credit Card Utopia
YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER!Let's... Read More
The Ghost of Expected Surprises
Here, Cratchet, what do you think you're doing?Uh, er, leaving... Read More
Reward Credit Cards: Get the Best Rewards Card Incentive Program
A good credit reward card can contribute to your retirement... Read More
Avoiding College Credit Card Traps
Congratulations college freshman! You're about to embark on one of... Read More
Myths and Truth about Credit Scoring
Credit score is the key factor determining approval of almost... Read More
Inflexible Friends and Plastic Assets, Why Money isn?t Buying Love Anymore
Consumers reject financial advice in favour of financial frivolityIt would... Read More
How to Get Credit Reporting Agencies to Help You
The process of clearing credit can be laborious and frustrating.... Read More
Good Credit Is a Necessity for Everyday Living
Most of us want a good credit report to obtain... Read More
What Are The Most Common Credit Card Mistakes?
Now in a world with so many easy to get... Read More
Stop Struggling Because Of Poor Credit And Improve Credit Rating Now
Did you apply for a personal loan only to be... Read More
Free Credit Report ? A Website Typo Could Be Costly
In 2003, Congress passed the Fair and Accurate Credit Transactions... Read More
Free Credit Reports Now Available From the FTC
The Federal Trade Commission (FTC) has set up a new... Read More
Identity Theft - Dont Think You Are Immune
As identity theft becomes more prevalent, the need to regularly... Read More
5 Surefire Ways To Eliminate Credit Card Debt
Do you have enormous credit card debt? You are certainly... Read More
Credit Repair: How To Deal With Your Creditors
If you are in danger of credit problems because you... Read More
Rewards Cards: Are They Worth It?
Virtually all consumers will have a credit card at some... Read More
Do You Know The Top Five Credit Card Mistakes?
When you're dealing with credit cards, you're playing with fire.... Read More
Credit Repair, How To
Credit repair, is in a word, vital to reestablishing your... Read More
How did a Thief get my Name? Don?t be a Victim of Identity Theft
How do these people get my name? If you have... Read More
Credit Reports ? Why Your Credit Score is Important
If you have never heard of a FICO score before,... Read More
Credit Scoring: What You Dont Know Can Hurt You
You've probably heard the term credit scoring. You may have... Read More
Choosing the Best Low Interest Credit Card
With so many low interest credit cards on offer, how... Read More
Useful Tips on Using Credit Cards
Here are some useful tips on using credit cards. Whether... Read More
Trying to Land a Job? Poor Credit Scores May Hurt Your Chances
Many employers are now looking at an applicant's credit report... Read More
5 Ways To Prevent Credit Card Late Fees
Paying a credit card late fee is the same as... Read More
10 Ways To Protect Your Financial Identity Being Used For Someone Else?s Shopping Spree
Someone impersonating you could be spending your hard-earned money.Impossible! Not... Read More
The Top 5 Secrets to Managing Your Credit Cards?So They Won?t Manage You
You've probably never heard of Frank X. McNamara, but he... Read More
Getting Your Credit Report and Understanding Whats On It
If you intend to apply for a loan, you need... Read More
Credit Report ? Look Out for Your Debit Report, Too
Most consumers are aware that there are companies that keep... Read More
Credit Cards: How To Use Them
Credit cards can be a very quick way of getting... Read More
The Best Strategy To Erase Credit Card Debt
Credit card debt is a growing sickness in the United... Read More
Credit Cards or Store Cards - Which Is Better?
Introduction In this article, a presentation is made of the... Read More
Maximizing Credit Card Rewards
We spend money every single day on many different types... Read More
Learn About Prepaid Credit Card
Prepaid credit cards also called stored value card can be... Read More
Learn How to Improve Your Credit Score
Having a damaging credit record can hurt you in many... Read More
Are 0% Credit Cards Reaching Their End?
Are Credit Card companies starting to feel the pinch? We... Read More
How Creditors Measure Your Credit Rating
Creditors will measure your credit rating based on the following... Read More
Credit cards
If gold medals were awarded for marketing consistency, the credit... Read More
Check Your Credit Before Shopping For That Home Loan
Review Your Credit Score.Nearly every bank, credit union, and mortgage... Read More
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