You've just opened your credit card bill and attached to your statement you find a "convenience check" included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this "instant" money. A... Read More
The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your "presentation card".You also need to realize that other entities like employers and insurance companies often... Read More
Chances are you've gotten your share of offers like this in the mail Bad Credit Credit Card, Bad Credit Visa Cards and Credit Cards for People With Bad Credit. Re-establish your credit with a bad credit credit card, credit cards for people with bad credit or pre-approved Visa cards regardless... 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
Your credit rating affects many areas of your life. Opening new credit accounts, buying a home or car, getting a new job, and receiving discounts on insurance rates are just a few of the things that are impacted by your credit score. Millions of people have inaccurate information, errors, and... Read More
About Search Entries:Every time a lender checks your credit history from your credit file (i.e. each time you apply for a loan), your credit-file will have a record of this. These records are known as search entries. The search entries do not generally say whether you were approved or denied... Read More
Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but... Read More
Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don't take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you?.right on your credit report, and once there... Read More
Help! I've Been Turned DownYou received an envelope in the mail with a great offer for a low interest credit card. You read all the details, even the boring small print and decided that this card fit your needs to a tee. You filled out the required forms and anticipated... Read More
When you apply for a loan or a mortgage, the first thing the lender does is to check your credit score. Based on your credit score, the lender decides the amount of finance you are eligible for and the interest rate at which you will be charged. So what is... Read More
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There is a big difference between looking after your own... Read More
There are three main credit bureaus in the United States;... Read More
Mark and Beth, a young married couple in their twenties,... Read More
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In 2003, Congress passed the Fair and Accurate Credit Transactions... Read More
Joint debts remain joint debts.Both spouses signed a legally binding... Read More
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The three major credit bureaus, Experian, Equifax and Trans Union... Read More
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There are not many of us who do not have... Read More
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They arrive in your mail - a conspicuous looking mail... Read More
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Have you ever looked at your credit card statement? I'm... Read More
There are so many credit cards out there to choose... Read More
If you have considered credit counseling as an option to... Read More
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What are the avenues available to businesses with weak credit... Read More
Credit counseling is a free service that many people with... Read More
Just as there are too many credit card companies to... Read More
Not everyone has a positive experience with credit counseling. Potential... Read More
In the face of financial hardship, many seeking a responsible... Read More
"Menis - the author translates as "indignant rage" - It... Read More
Your credit score can either haunt you or reward you.... Read More
The recent security breach at credit card processor CardSystems Solutions... Read More
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The nightmare of identity theft strikes an estimated 750,000 people... Read More
Most of us want a good credit report to obtain... Read More
In industrialized nations, going into debt starts early. It's easy... Read More
Companies that issue credit cards want to make a profit.... Read More
Q: I'm opening a gift shop and want to be... Read More
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What is Credit?Credit is the backbone and the engine behind... Read More
FACTA stands for Fair and Accurate Credit Transaction Act. FACTA... Read More
Credit Score FactorsThe information contained on our credit reports affect... Read More
If you are one of the millions of people out... Read More
You're probably thinking "Tell me something I don't know" but... Read More
Because most of us have one or two credit cards... Read More
There are three main credit bureaus in the United States;... Read More
Having a damaging credit record can hurt you in many... Read More
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