Credit Information

Top 7 Factors to Consider While Reviewing Credit Card Offers


Credit cards have migrated from being hip or convenience product into a must have entity for everybody. Shopping Online you need a credit card. Wanna book a weekend rental you need a valid card to pick one. In order to register as a valid seller in many online sites you need a card. Like this the credit cards have evolved from being just convenience items into something you got to have or you will be denied many services. There is a lot of money being made by the credit card industry. Everything you buy has a credit card fee attached to it. If you pay by cash you still paying those fees since the merchants don?t offer a discount for cash or check payments. They are willing to pay the 2-3% charge to the credit card companies than give it back to you. If you are not using a credit card as your main payment method and enjoying the convenience it offers you are paying for nothing.

Making Sense of the Information in Your Credit Report


If you've ever applied for a credit card or loan, you?ve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it?s well worth your time to be sure that you understand what your credit report says about you.

Your Credit Card May Be Costing More Than You Think!


Do you know what your credit card is truly costing you? Many people assume that they do, but aren?t familiar with the hidden fees that many credit card companies are charging. In fact, if you don?t keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year?without ever really knowing it!

Dont Trade Your Future for Todays DooDads


?Easy Low Down Monthly Payment,? ?Buy Now Pay Later,? ?You Deserve the Car Today and We Can Finance It for You,? & ?Spend Today, 0% APR until Next Year!? We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do.

How Does a Creditor Determine Whether to Grant You Credit?


Credit 101

Different Ways to Borrow Money


There are many different ways to borrow money. Outlined below is a useful guide to some of most common ways of borrowing money.

Figuring Out the Ever Nebulous Numbers Called Credit Scores


Credit Score Factors

Free Credit Reports - How to Maintain Your Credit Profile


Maintaining your Credit Profile

Inflexible Friends and Plastic Assets, Why Money isn?t Buying Love Anymore


Consumers reject financial advice in favour of financial frivolity

Credit Suicide


Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, ?the three screw-ups?. There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a source to determine levels of risk for lending money? and the Fair Isaac Company is where it lies. (Note: Fair was one of their last names? doesn?t necessarily denote fairness.)

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?


About Search Entries:

Credit Reports ? Why Your Credit Score is Important


If you have never heard of a FICO score before, you should become familiar with the term. Named for the firm that invented it, Fair Isaac Corp., the FICO score is the three-digit credit summary that, in essence, reduces your entire financial life to a simple set of numerals.

The Things That UK Lenders Like to See on Your Credit File, (and? What They Don?t Like to See!)


Lenders are quite fussy about what they like to see on your credit report. So much so that you will have a hard time to meet their high expectations. But what exactly are they looking for? In this article we take a look at one aspect of your credit history that lenders have a keen eye out for.

Credit Repair: How To Deal With Your Creditors


If you are in danger of credit problems because you have more debts than you can handle, there are things you can do at least keep your creditors reasonably happy.

What Does Your Credit Score Tell You?


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 this credit score and how does it influence your capacity to take fresh credit?

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