Credit Information

Good Credit -- Essential for the Prospective Home Buyer


Credit is a funny thing. It can be a useful tool in the hands of an informed individual, or a weight of burden to the unsuspecting. One thing is for certain, you must have a decent credit score to attain a quality mortgage loan.

10 Simple Steps to Manage Your Credit


By far the greatest invention the banks have ever come up with came out in the 20th century. Also the new field of Credit Management was born with the invention of the credit card. It is the most available out of any financial product out there. In fact more than 80% of the U.S. households have at least one credit card. If you want to consider yourself as the "Average" American then you have about 8 credit cards burning a hole in your wallet right now. To make sure that you don't get yourself in any trouble (again) try and follow these 10 Simple Steps for Credit Management.

Credit Card Entrapment - The Secrets are Out


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 you definitely pay for it and BIG!

10 Dirty Tricks Credit Card Companies Play


The credit card companies make billions each year in legitimate interest charges and fees, but are under constant pressure from the shareholders to increase their earnings. To make this extra money the credit card companies sometime adopt some dirty tricks to make this money. As the credit card industry becomes more competative, less money is being earned from each client from interest charges and the number of these dirty tricks increase. To protect yourself against these unscrupulous procedures that steal your money we will list 10 dirty tricks credit card companies play to their clients so you?ll know what to expect and look out for. Of course that there are not only 10 dirty tricks credit card companies play to their clients but knowing at least these 10 tricks will help you to not be a victim.

Credit Repair, How To


Credit repair, is in a word, vital to reestablishing your credit. Unless you plan to never use your credit again, then you have to find a way to fix it.

Identity Theft ? Who Would Want Mine?


With all my bills who would possibly want my credit? Let them steal my identity and pay my bills! Unfortunately, that?s not the way it works. Many of us mistakenly believe that identity thieves hit only the wealthy. Nothing could be farther from the truth. The average person is often more vulnerable that those we consider wealthy?

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


Credit Cards and Loans sounds like just two things, but in actuality, it is dozens of things. Due to a combination of user preferences, lifestyles, and marketing ideas, there are dozens of different types of credit cards out there. Because of the wide variety of things people need money for and the wide variety of ways to collateralize a loan, there are dozens and dozens of different types of loans out there.

Credit Report ? Check Yours Regularly - and for Free


In the twenty-first century, there are few documents that have a greater impact on the lives of Americans then their credit report. Credit rating determines one?s ability to buy a home, a car, or to obtain a credit card or a job. Since these things are important, it is equally important that the information be accurate. The only way to be sure of that is to check the report regularly. Prior to last fall, there were two ways to obtain a copy of your credit report: to pay for one, or to obtain one for free after being denied credit. Thanks to the Fair Credit Reporting Act passed last year, Americans can now obtain a free copy of their credit report from each of the three credit reporting agencies once a year.

Bad Checks, Bounced Checks, & NSF Checks


Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.

Bad Debt Recovery


Bad Debt Identification

Ethical Finance: Who Benefits From Our Spending?


On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.

Learn The Truth About Identity Theft


Identity theft is the fastest growing crime in America, according to a recently released FTC study. Did you know that the term ?identity theft? did not exist until just a few years ago? It is a recent phenomenon that is causing a great furor around the world.

Why Does Your Credit Card Rate Keep Going Up?


Have your read your credit card contract through completely? Do you know when it is okay for your creditor to raise your interest rates? If you are not sure about how and when your rates can be affected over the life of your contract you should take a few minutes to read your contract thoroughly from beginning to end.

Pitfalls of the Credit Industry


The credit industry if rife with pitfalls. If you have ever owned a credit card you probably already have learned this the hard way. If you have not owned a credit card previously you should definitely learn all you can about these convenient little suckers (literally) before you commit to any contract.

Rebuild Your Credit the Right Way the First Time


If you are one of the millions of people out there with bad credit you need to step up and start doing something to get yourself back into credits good graces. Having good credit is the only way to assure that you will get the best interest rates on any loans and credit cards that you apply for. If you have bad credit you may not even get approved, then what? If you applied for a loan it was probably for a good reason, if you don't get what on earth will you do?

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