Articles on Credit
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What is a Credit Card? by John Mussi
A credit card allows you to buy things even though you might not have the money to pay for it right away.
Credit Card Benefits and Drawbacks by John Mussi
Credit cards have both benefits and drawbacks.
Student Credit Cards 101 by Jeremy Zongker
Learn the advantages and disadvantages to having a student credit card.
Credit Education by Mike Herman
Establish good credit skills, they will help you to get ahead throughout your life. So, it is vital to get the credit education you need or to provide this education to your children.
Understanding Your Rights Under The Equal Credit Opportunity Act by Dennis Cary
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 by Dennis Cary
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 by Dennis Cary
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 by Dennis Cary
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 by Dennis Cary
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 Whether it’s human error, out of date information or even mistaken identity, errors occur more easily than we’d all like to think.
Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure by Bobby Johnson
The absolute best time to prepare for a disaster is before it happens, here are easy steps you can apply to if your mind is trouble.
UPS Delivers the Goods, Your Identity by Lance Winslow
Well now we add CitiGroup and UPS to the Identity Theft corporations who have allowed Americans identity to be lost. Each time we have another identity theft case, we find larger and large numbers being lost.
How To Protect Yourself Against Credit Card Fraud by John Parsons
In the high tech world of today, credit card fraud is an ever increasing problem. by 2005 it is estimated that the online payment industry will capture $12.5 Billion in revenue. This is up over 20% from 2004...
Watch Out For Credit Repairs by John Parsons
It is very easy to find a site that is neat, professional-looking, and one that offers a free three-agency credit report and free credit report without a credit card.
10 Ways of Reducing the Risk of Identity Theft by John Parsons
Identity theft and identity fraud are terms referring to types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.
Which Credit Card? by John Mussi
Bewildered by the sheer variety of debit cards and credit cards?
Trying to Land a Job? Poor Credit Scores May Hurt Your Chances by Harwon Mihtar
This article contains information about how employers may use credit reports in hiring decisions. Readers can find advice about how to handle the validity and privacy of their credit reports.
Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report by Justin Smith
Raising your credit score can be a long a arduous process. Here are some tips that should help guide you through the process. Plus, the how to guide to clearing derogatory marks on your credit score.
5 Steps You Can Take to Get Paid! by Michelle Dunn
There are always some companies that have past due invoices and can’t seem to get them paid. They might be quietly waiting to get paid not wanting to contact the client for fear of appearing “desperate”. Sometimes a big part of the problem is no response, it is bad enough when you are not getting paid, but when orders keep coming in and you are not getting any acknowledgement to your collection efforts, you just can’t keep processing orders.
What Is A FICO Score? by Michelle Roebuck
A credit score is most commonly known as a FICO score. FICO stands for Fair Isaacs Corporation. It’s a company that developed the credit scoring software used to evaluate your credit worthiness.
5 Ways To Prevent Credit Card Late Fees by Gary Gresham
These payment tips and strategies will show you how to prevent late credit card payment fees.
Learn The Truth About Identity Theft by Daniel Sitter
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. The pace of this danger is quickening. Many of the largest data collection companies and banks have experienced substantial fraud issues affecting millions of Americans. The IRS recently admitted that their complex and detailed financial records are not protected well enough at all. The fact of the matter is that we are all at risk for identity fraud and there is little that we can do about it.
How to Save Money on Your Credit Cards by Noel Hynes
Tips on how to save money on your credit cards
Beginner's Guide to Credit by Justin Smith
Everyone has to start somewhere when it comes to credit. This guide will educate the beginner on what they can do to build a solid credit score, and learn good financial habits for life.
Why Does Your Credit Card Rate Keep Going Up? by Martin Lukac
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 by Martin Lukac
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 by Martin Lukac
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?
Are You The Only One Using Your Name? by Martin Lukac
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?
What You Need to Know About Credit Reports by Martin Lukac
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.
5 Things Your Credit Card Company Keeps Quiet About by Peter Viliamu
Credit Cards can bankrupt you if you let them run away from you. The various Credit Cards companies are in it for profit so they will not generally alert you to things you can do to save yourself money. Here are a few secrets that the card companies try to keep to themselves...
Do You Know What's On Your Credit Report ? by Chris Rodriguez
If you are planning on borrowing from any kind of financial institution they are going to check out your credit report first. Save yourself from possible embarrassment due to a forgotten debt or credit bureau error, and get a copy of your credit history before the bank does!
A credit card allows you to buy things even though you might not have the money to pay for it right away.
Credit Card Benefits and Drawbacks by John Mussi
Credit cards have both benefits and drawbacks.
Student Credit Cards 101 by Jeremy Zongker
Learn the advantages and disadvantages to having a student credit card.
Credit Education by Mike Herman
Establish good credit skills, they will help you to get ahead throughout your life. So, it is vital to get the credit education you need or to provide this education to your children.
Understanding Your Rights Under The Equal Credit Opportunity Act by Dennis Cary
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 by Dennis Cary
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 by Dennis Cary
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 by Dennis Cary
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 by Dennis Cary
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.
Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure by Bobby Johnson
The absolute best time to prepare for a disaster is before it happens, here are easy steps you can apply to if your mind is trouble.
UPS Delivers the Goods, Your Identity by Lance Winslow
Well now we add CitiGroup and UPS to the Identity Theft corporations who have allowed Americans identity to be lost. Each time we have another identity theft case, we find larger and large numbers being lost.
How To Protect Yourself Against Credit Card Fraud by John Parsons
In the high tech world of today, credit card fraud is an ever increasing problem. by 2005 it is estimated that the online payment industry will capture $12.5 Billion in revenue. This is up over 20% from 2004...
Watch Out For Credit Repairs by John Parsons
It is very easy to find a site that is neat, professional-looking, and one that offers a free three-agency credit report and free credit report without a credit card.
10 Ways of Reducing the Risk of Identity Theft by John Parsons
Identity theft and identity fraud are terms referring to types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.
Which Credit Card? by John Mussi
Bewildered by the sheer variety of debit cards and credit cards?
Trying to Land a Job? Poor Credit Scores May Hurt Your Chances by Harwon Mihtar
This article contains information about how employers may use credit reports in hiring decisions. Readers can find advice about how to handle the validity and privacy of their credit reports.
Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report by Justin Smith
Raising your credit score can be a long a arduous process. Here are some tips that should help guide you through the process. Plus, the how to guide to clearing derogatory marks on your credit score.
5 Steps You Can Take to Get Paid! by Michelle Dunn
There are always some companies that have past due invoices and can’t seem to get them paid. They might be quietly waiting to get paid not wanting to contact the client for fear of appearing “desperate”. Sometimes a big part of the problem is no response, it is bad enough when you are not getting paid, but when orders keep coming in and you are not getting any acknowledgement to your collection efforts, you just can’t keep processing orders.
What Is A FICO Score? by Michelle Roebuck
A credit score is most commonly known as a FICO score. FICO stands for Fair Isaacs Corporation. It’s a company that developed the credit scoring software used to evaluate your credit worthiness.
5 Ways To Prevent Credit Card Late Fees by Gary Gresham
These payment tips and strategies will show you how to prevent late credit card payment fees.
Learn The Truth About Identity Theft by Daniel Sitter
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. The pace of this danger is quickening. Many of the largest data collection companies and banks have experienced substantial fraud issues affecting millions of Americans. The IRS recently admitted that their complex and detailed financial records are not protected well enough at all. The fact of the matter is that we are all at risk for identity fraud and there is little that we can do about it.
How to Save Money on Your Credit Cards by Noel Hynes
Tips on how to save money on your credit cards
Beginner's Guide to Credit by Justin Smith
Everyone has to start somewhere when it comes to credit. This guide will educate the beginner on what they can do to build a solid credit score, and learn good financial habits for life.
Why Does Your Credit Card Rate Keep Going Up? by Martin Lukac
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 by Martin Lukac
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 by Martin Lukac
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?
Are You The Only One Using Your Name? by Martin Lukac
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?
What You Need to Know About Credit Reports by Martin Lukac
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.
5 Things Your Credit Card Company Keeps Quiet About by Peter Viliamu
Credit Cards can bankrupt you if you let them run away from you. The various Credit Cards companies are in it for profit so they will not generally alert you to things you can do to save yourself money. Here are a few secrets that the card companies try to keep to themselves...
Do You Know What's On Your Credit Report ? by Chris Rodriguez
If you are planning on borrowing from any kind of financial institution they are going to check out your credit report first. Save yourself from possible embarrassment due to a forgotten debt or credit bureau error, and get a copy of your credit history before the bank does!
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