First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers

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

Why Americans Find Predatory Lending Offensive

"Menis - the author translates as "indignant rage" - It is the kind of rage arising from social betrayal that impairs a person's dignity through violation of "what's right." (p21), Achilles In Viet Nam - Combat Trauma and the Undoing of Character, Jonathan Shay, M.D., Ph D."The vulnerable relationship between... Read More

Credit Cards or Store Cards - Which Is Better?

Introduction In this article, a presentation is made of the differences between major credit cards and credit cards offered by specific stores to their customers. The purpose of this article is to provide a general overview of major credit cards and store cards to aid consumers in... Read More

Making Sense of Credit Card Fees

In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances. The most... Read More

Credit Card Incentives

Credit card companies want your business. After all, lending money to people is profitable. Besides the interest fees that you'll be charged, the credit card company also collects a fee from merchants who accept their credit cards. In order to get your business, most credit card companies are willing to... Read More

Beware the Shopping Mall Monster

Like me, you've probably been offered a fair old number of these by now.....and, if you're like most people, chances are you maybe own at least one or two.They always seem to put in an appearance at just the right (or wrong) moment...It might be Saturday and you've just seen... Read More

How To Choose A Credit Card

Your credit score may just be a little number, but it packs a big punch. A poor credit score can keep you from getting a mortgage or a car loan. In addition, your credit score may haunt you for a long time if it suddenly drops. Of course, if you... Read More

Five Reasons to Repair Your Credit Score - You Can Do It Yourself

There are multiple reasons that tell us why we should have a 700+ Credit Score, but these five facts will definitely give you the big picture and hopefully will drive you to want to fix your credit score starting today.Fact #1: Did you know that consumers with Credit Scores of... Read More

Credit Card Benefits and Drawbacks

Credit cards have both benefits and drawbacks. It is wise to consider both before applying for a credit card. While they can be very useful, credit cards can also be risky. Even people who are usually good with their money get into trouble with credit cards. A credit card can... Read More

Avoiding College Credit Card Traps

Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes... Read More

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Credit Cards And Loans - So Many Options - So Little Time

Credit Cards and Loans sounds like just two things, but... Read More

Credit Repair, How To

Credit repair, is in a word, vital to reestablishing your... Read More

Credit Card Expenses Are Killing Your Budget!

Do you know the costs associated with your credit card?... Read More

How To Choose A Credit Card

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

Bad Credit Credit Cards

Chances are you've gotten your share of offers like this... Read More

Searching For A Low Interest Credit Card?

These days, people need to very carefully consider what type... Read More

Bad Checks, Bounced Checks, & NSF Checks

Negotiable instruments like checks and drafts have become an indispensable... Read More

Various Types of Credit Cards - Part 2

Several different types of credit cards offer several different options,... Read More

Cutting Credit Card Costs

What are the APRs charged by the credit cards in... Read More

Errors on Your Credit Report: What You Should Do

There are times when you may be turned down for... Read More

Credit Cards Can Help You Get Out Of Debt

Your credit rating / credit score is based upon how... Read More

Harassment of People in Debt by Creditors

HarassmentHarassment of people in debt by creditors or their agents... Read More

Is Your Credit Score Costing You Money?

Most of us want a good credit report to obtain... Read More

Credit Cards, Merchant Accounts, and Your Bottomline

Q: I'm opening a gift shop and want to be... Read More

How Healthy Is Your Credit

There's only one way to discover the "health" of your... Read More

Applying for Credit Cards Online

In the olden days, about 10 years ago, before the... Read More

Finding the Right Credit Card

There are so many credit cards out there to choose... Read More

Learning the Disturbing Facts about Credit Card Debt

When I received my first credit card in the mail... Read More

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days

In Less Than 30 Days. "What can you do to... Read More

Do You Know Whats On Your Credit Report ?

It is important to know your credit rating for a... Read More

Avoiding Credit Card Traps

The next time you open your credit card statement, take... Read More

Choosing the Right Credit Counseling Agency for You ? Some Tips Part 2

Credit counseling companies come in all shapes and sizes. Whether... Read More

Bankruptcy Myths Busted

The average American knows very little about bankruptcy. Most people... 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

What You Need to Know About Interest Rates

For all people shop around for the best rate, there... Read More

Have You Ever Opened a Checking Account?

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

Credit Establishment 101

There will come a day when you need credit. You... Read More

The Art of Stoozing to Make Money from Credit Cards

Make Money from StoozingStoozing, this is a sophisticated method of... Read More

Different Ways to Borrow Money

There are many different ways to borrow money. Outlined below... Read More

Why Does Your Credit Card Rate Keep Going Up?

Have your read your credit card contract through completely? Do... Read More

What Does Your Credit Say About You?

A credit report is more than just a snapshot of... Read More

Your Credit Score

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

Ways to Look Good without Selling Your Soul to the Credit Card Sharks

1. Buy clothes at thrift stores. BEFORE you buy them,... Read More