Credit Information

Are You The Only One Using Your Name?


Identity theft has become an epidemic. Millions and millions of purses and wallets are stolen everyday and many of them are not just taken for the money inside. Thieves can use your credit cards to buy whatever they want to and whose credit does it ruin? Yours. Now, you are probably thinking about how easy it is or you to cancel your credit card, and you have protection through your issuer, but do you realize that by using your drivers license these thieves can get a whole new credit card? One you don't even know about? If this happens to you, you will find that it is anything but easy to fix. Proving that your identity has been stolen can be extremely difficult to prove and getting your credit back up to snuff is next to impossible.

What You Need to Know About Credit Reports


You hear people talk about credit reports all the time but do you know what they are really all about? Well, if you have ever been turned down when applying for a credit card or a loan it is high time you learned all about your credit report and how you can get it working for you instead of against you.

Guide to Credit Terms


Listed below is a useful guide to credit card terms. It is a list of definitions of credit card terms that may or may not be familiar to you.

Types of Credit Cards


There are a whole variety of different types of credit cards available which can make choosing the right one a very confusing experience. In order to help you decide, listed below is a useful breakdown of the various types of credit cards available.

Identity Theft - How to Protect Yourself


?Like the tan? I got tons of sun on that Caribbean cruise. First class tickets to Florida and back! Nope, not an airline upgrade. 5-star service all the way, baby! Hotels, restaurants, theme parks?you name it! Look?I took pics with my new cell phone! Hey, let me know when you?re free to take a spin in the car ? it?s a 2005 sports model, fully loaded! Yours truly, Chad E. Charlatan, is going to the top! Nope, no job. But I didn?t pay for anything myself. I don?t care who Ms. Donna Knowe-Bedter is, but it?s not my fault if she doesn?t keep tabs on her credit card statements. One day I?ll thank her for being so rich!?

Credit Card Tips


Here are some useful credit card tips for you to consider before applying for a credit card. Before applying for a credit card, you should decide why you want one, and make sure you can use it wisely.

What is a Credit Card?


A credit card allows you to buy things even though you might not have the money to pay for it right away. The company that gave you the card lets you spend up to an agreed sum and then makes additional money available to you as you pay off what you've spent. You must pay at least a minimum amount by the due date, generally once every month. You will pay a finance charge or interest on any amount you do not pay by the due date.

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 be useful, but may also end up putting you in a difficult financial situation if misused.

Student Credit Cards 101


Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Students that have a credit card should learn how to take charge and manage their own finances as soon as possible, because the time between teen years and adulthood is very short. So, the sooner a student starts managing his own financial matters the sooner he will develop useful financial skills. Student credit cards are no longer a privilege for wealthy students but now are considered a social entitlement.

Credit Education


Having credit education is like knowing how to read. It will be necessary throughout your life.

Understanding Your Rights Under The Equal Credit Opportunity Act


It wasn?t all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control?

All Is Fair In Love, War, and, Your Credit Report - At Least It Should Be! Understanding the FCRA


Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what?s on your credit report?

How To Survive In A Plastic World, Qualifying For Credit Card


Let?s face it, having credit is no longer a choice. ?Don?t leave home without it? is more like ?can?t buy a home without it.? Your credit now determines the neighborhood you live in, the kind of car you drive and, sometimes, even whether or not you get a particular job.

Like It Or Not, You Have A Score To Settle! Part 1


Just when most people finish with school and can stop worrying about test scores, there?s a new kind of scoring that enters the picture. It?s called credit scoring. And, its impact on your financial future can mean more to you than a college degree.

Improving Your Credit Report


Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well. Whether it?s human error, out of date information or even mistaken identity, errors occur more easily than we?d all like to think.

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