Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home... Read More
Credit card consolidation is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. Basically, this means putting all your debts together on a single card, like transferring it all to one loan. Of course, the goal is to pick a card... Read More
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
Believe it or not, the way society, especially the commercial side, is set up these days, the only alternative to using credit is to pay cash for everything. But it's actually quite hard to do that. For example, if you want to rent a car, you have to have a... Read More
Do you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation.The differences between good debt and bad credit... Read More
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information. The information compiled by them is used... Read More
As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe it to yourself to find a better deal. You see,... Read More
Obtaining a credit report is an excellent way to begin taking control of your financial future. It's recommended that you review your credit report once a year, not only to be aware of your standing with creditors but to also keep abreast of errors and fraud. However, once your report... Read More
There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not... Read More
Credit is currently and has been historically an integral component of our economy. Credit contribute a person's net worth, and financial power. No matter who you are or what type of business you are considering, credit is a vital component to be considered when developing your business idea and business... Read More
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His hard earned money? Gone. Creditors on his back everyday.... Read More
Credit and charge card fraud costs cardholders and issuers hundreds... Read More
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Here are some useful tips on borrowing money. Borrowing money... Read More
Always shop around to get the best deal when choosing... Read More
There's only one way to discover the "health" of your... Read More
The Federal Fair Credit Reporting Act (FCRA) is designated to... Read More
Are Credit Card companies starting to feel the pinch? We... Read More
In addition to the APR (annual percentage rate) and the... Read More
Your credit report is a very powerful report that essential... Read More
Credit Score FactorsThe information contained on our credit reports affect... Read More
Having a credit card is a wonderful convenience for those... Read More
Sometimes life lands you in a situation that causes your... Read More
If you were to tell someone that they can have... Read More
Credit scores are the most important aspect that determines your... Read More
Credit card companies want your business. After all, lending money... Read More
In the face of financial hardship, many seeking a responsible... Read More
Credit cards can be a very quick way of getting... Read More
Listed below is a useful guide to credit card terms.... Read More
2005 marks the year that consumers will be able to... Read More
As identity theft becomes more prevalent, the need to regularly... Read More
We've all seen the ads on television or in magazines,... Read More
Joint debts remain joint debts.Both spouses signed a legally binding... Read More
Your personal credit file is separated from those with the... Read More
Many people may still not be aware of an amendment... Read More
Under the Fair Debt Collection Practices Act, collectors are not... Read More
So you ordered a copy of your credit report to... Read More
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Get your credit report online for FREE. Many financial advisors... Read More
Getting your first credit card is a big deal and... Read More
By far the greatest invention the banks have ever come... Read More
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Do you know why you should check your credit report?Of... Read More
By far the greatest invention the banks have ever come... Read More
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1. Choosing A new credit cardThere are many reasons for... Read More
Your credit file may not reflect all your credit accounts.... Read More
Paying a credit card late fee is the same as... Read More
You can still save money on a Bad Credit Loan... Read More
Establishing credit is one of the most important things you... Read More
Most of us want a good credit report to obtain... Read More
There are three main credit bureaus in the United States;... Read More
There are always some companies that have past due invoices... Read More
Consumers interested in purchasing or refinancing a home will pay... Read More
Negotiable instruments like checks and drafts have become an indispensable... Read More
Congratulations college freshman! You're about to embark on one of... Read More
Identity theft is when someone uses, without permission, your personal... Read More
Thinking of applying for a credit card with a reward... Read More
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Credit card debt is a major social problem in some... Read More
Building a good credit history is important. If you have... Read More
Fixing a credit report starts with seeing what's on it.... Read More
Your credit score can either haunt you or reward you.... Read More
When you are deciding what type of credit card to... Read More
As identity theft becomes more prevalent, the need to regularly... Read More
To reduce or minimize the risk of becoming a victim... Read More
As you probably know, interest rates are at all time... Read More
In their quest to get you to sign up for... Read More
A lot of people spend more money than they can... Read More
Like It Or Not, You Have A Score To Settle!... Read More
The most important thing for you to remember is that... Read More
Credit card debts problem is extremely common today. It is... Read More
You've decided to apply for a Citi MasterCard, but with... Read More
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