Credit Reporting: How Does It Work?

In order to determine a consumer's credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes. With the advent of technology, most creditors now have automated systems that provide them direct access... Read More

The Ghost of Expected Surprises

Here, Cratchet, what do you think you're doing?Uh, er, leaving sir.Leaving? It's 5 minutes to the hour. Shall I dock your pay accordingly.Uh, er, no sir.No sir? Well it's back to work for you then, and be quick about it. And I don't expect your mind to be off home... Read More

Why Consumers Need a Nationwide Credit Freeze NOW

What do a shoe retailer, an online discount broker, and a popular clothing retailer all have in common? All three - DSW Shoe Warehouse, Ameritrade, and Polo Ralph Lauren - sustained breaches to their customers' accounts. Unfortunately, these three are not alone when it comes to security breaches. CitiFinancial, Bank... Read More

Why Credit Cards are a Bad Idea

Credit cards are just so convenient, aren't they? There's no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven't been paid yet, then you don't need to... Read More

The Three Largest Factors In Your Interest Rate

There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration.1. The Federal Reserve Discount Interest Rate.Banks and other lending institutions borrow money from the Federal Reserve Banks. The discount rate is the interest rate a Federal... 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

How Healthy Is Your Credit

There's only one way to discover the "health" of your credit. You need to examine your credit report. Your credit report is your "consumer identity" that potential lenders will use to judge your credit worthiness.Use these tips to give your credit profile the "tune-up" it needs for 2004.Tip #1- Check... Read More

Various Types of Credit Cards - Part 2

Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business needs. To know what type of card fits your needs, let's review a few of... Read More

Learn How to Improve Your Credit Score

Having a damaging credit record can hurt you in many ways. It may prohibit you from making an important purchase such as a home, car, computer or vacation. Without a healthy credit report you are severely limiting yourself from possible lenders. If you do find a lender you will undoubtedly... Read More

Fair Isaac Corporation Credit or FICO Score

As I am not from the US, I had no idea what FICO meant before researching it. FICO stands for Fair Isaac Corporation, a company based in California. FICO, put simply, is a person's credit score. A credit score can be used by a potential lender in making a judgement... Read More

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Your Credit Score

Credit scores: all lenders use credit scores to determine interest... Read More

Minimum Credit Card Payments to Rise

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

Credit Traps Snag Consumers

Nearly 20 years ago I worked for a small consumer... Read More

Have You Ever Opened a Checking Account?

Maybe some of you are saving it in your trusty... Read More

Building Your Credit History

Today, credit is an indispensable part of our lives. In... Read More

Five Credit Card Billing Problems and How to Fix Them

It goes without saying that your first and best defense... Read More

Tackling Bad Credit

The first time I heard the term credit history was... Read More

Easing Your Financial Burdens With Credit Counseling

It is a well-publicized fact that more of us are... Read More

What Is a FICO Score and How Do I Make It Work for Me?

Whether or not you receive a loan and what interest... Read More

How To Choose A Credit Card

Your credit score may just be a little number, but... Read More

My Student Credit Card Adventure

And some practical advice too!My first credit card?I remember my... Read More

Getting Your Credit Report and Understanding Whats On It

If you intend to apply for a loan, you need... Read More

I?ve Heard About FACTA; What Does It mean?

What FACTA means is that if you, as an individual,... Read More

How to Deal with Hire Purchase Debt

WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying... Read More

What is a Credit Card?

A credit card allows you to buy things even though... Read More

Credit Cards or Store Cards - Which Is Better?

Introduction In this article, a presentation is made of the... Read More

How to Get Credit Reporting Agencies to Help You

The process of clearing credit can be laborious and frustrating.... Read More

Know Your Credit Card Rights

When you apply for a credit card, the application that... Read More

5 Killer Steps to avoid Credit Card SCAMS!

In August, 2004, the Federal Trade Commission issued their findings... Read More

Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions

What are the avenues available to businesses with weak credit... Read More

Fair Credit Reporting Act: What You Should Know About It?

The Federal Fair Credit Reporting Act (FCRA) is designated to... Read More

Choosing a Credit Counseling Company

If you have considered credit counseling as an option to... Read More

A Cure for an Ailing Credit

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

Building Business Credit

Most businesses want to be able to borrow money when... Read More

How Creditors Measure Your Credit Rating

Creditors will measure your credit rating based on the following... Read More

Credit Reports Inside and Out

The Credit Report is like your scorecard in the lending... Read More

Free Credit Report - Really

2005 marks the year that consumers will be able to... Read More

My Credit Card Application Was Rejected! Now What?!?

No doubt, you've probably gotten literally hundreds of credit card... Read More

All You Wanted to Know of Bad Credit

Martin Henderson is in a fix these days. Because of... Read More

Credit Cards -- What You Should Know

There are a lot of questions about using credit cards.... Read More

Beat Credit Card Companies at Their Own Game!

Have you ever wondered how much money a credit card... Read More

Credit Repair Services vs. Do-It-Yourself Credit Repair

Millions of Americans suffer because of bad credit these days,... Read More

Consumer Credit Reports

A consumer credit report is a factual record of an... Read More