Articles on Credit
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Credit Worthiness by Vinodh Pushparaj
We are living in a world where each person is taken into trust after evaluating their credit worthiness. This is not a new concept but it has become a mainstream tool to run today’s business.
How to Deal with Hire Purchase Debt by Michael Sherriff
If you want to keep the goods you should ask the creditor to agree to a payment arrangement with you. The creditor is most likely to accept if you can afford the full monthly instalments plus something towards the arrears. If you can't make the full payments, the creditor may agree to reduce the payments, but usually by a small amount and only for a short time. In certain circumstances you may be able to go to court and ask to pay less than the full monthly instalment and extend the length of the agreement.
Bailiffs & Council Tax - Knowing What To Do by Michael Sherriff
Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf of your local council. They try to take your goods away and sell them, usually at auction, to raise money to pay the debt. The process they have to follow to say they want your goods is called ‘distraining’ or ‘levying’
It Is In Your Best Interest To Do The Math On Your Credit Card Interest by Terry McDermott
Credit card interest rates are out of sync with interest rates in general. Find out why it costs you so much to pay off that credit card.
Why Is It important! by Linton Gentles
What is Credit? How Do You Obtain It? How do you keep it? Where to Go for HELP...
Harassment of People in Debt by Creditors by Michael Sherriff
SECTION 40 OF THE ADMINISTRATION OF JUSTICE ACT "S40 Punishment for unlawful harassment of debtors". Many activities could count as harassment. It is important to note that “anything done by a person which is reasonable” when trying to recover a debt, is not considered to be harassment. Both the Office of Fair Trading and Trade Associations (run by the credit industry) have produced guidance on what activities may be considered harassment and should therefore be avoided by creditors. The following list is taken from the new Debt Collection Guidance for holders of consumer credit licenses.
Credit Report Hassles by Martin Lukac
There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it.
Bank Robbery Growing In U.S. by Ron Coleman
Bank robbery has grown to become a huge problem in the United States, but I am not talking about people robbing banks. I am talking about banks robbing people. Here are some tips on how you can avoid being ripped off by your bank.
What Does Your Credit Say About You? by LeAndra Martin
Like it or not, your credit report has a lot to say about you. It helps credit grantors and even human resource professionals determine your personal character.
Debt Collection Agencies by Steve Austin
Debt collection agencies are often a viable option for receiving payment on overdue bills. Here you can earn how debt collection agencies work and what to look for in reputable debt collection agencies.
Understanding the Function of Credit by Sheldon Smith
What is Credit? Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit rating.
Credit Repair: How To Deal With Your Creditors by Douglas Hanna
If you're having financial problems and your creditors are threatening drastic action, there are things you can do to turn things around and make them at least reasonably happy. This article details the things you can do and how you need to document your efforts...
Cutting Credit Card Costs by Ana Ribero
This article contains useful tips to cut credit card costs and save you money.
Restore Your Credit Rating And Reduce Your Debts by Ken Austin
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.
How Your Credit History Can Affect Your Life by Ken Austin
Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle.
10 Signs You May Need Credit Counseling by Jeremy Zongker
Learn what to look out for before it's too late.
Common Credit Score Myths by Gary Gresham
These are the most common myths about fico score ratings that can cost you credit score points if you fall for them.
Finding and Applying for the Right Credit Card Offer Online by G Garcia
We are bombarded daily with ads for credit cards and loans of all types. How do you sift through the garbage to the real deal? This article sorts through the various credit offers to help you make an educated decision.
Cash Back vs. Rewards Credit Cards by Joseph Kenny
So you have decided on that a credit card company should be lucky enough to gain your custom. But with a credit history as good as yours what credit card do you apply for? Will it be the cash back credit card or that reward credit card with special incentives? Ah, the sweet rewards of using credit! ..
Avoiding College Credit Card Traps by James H. Dimmitt
Explains how new college students can avoid credit card traps.
Credit Report Secrets: Do You Know What They Reveal? by Dave Robinson
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. Even if you’re not interested in obtaining credit, your credit report can impact other areas of your life. Potential employers view your credit report to assess your trustworthiness as an employee. Landlords frequently check the credit reports of their tenants before allowing them to sign or renew their lease.
Identity Theft – Monitor Your Credit Report by Charles Essmeier
Those at risk for identity theft have a new tool at their disposal. The credit bureaus will allow you to monitor your credit activity.
Which Business Credit Cards with Reward are the Best? by Jeff Lakie
Learn which credit cards are the best...
Manage Your Credit Wisely by Martin Lukac
Getting your first credit card is a big deal and all young people look forward to it with bated breath.
What Does Your Credit Score Tell You? by Sameer Panjwani
What is a credit score and how is it calculated? Learn how to maintain a decent credit score.
Warning: Free Credit Report Imposter Websites Springing Up on the Web by George Dodge
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months. However, a new form of phishing, is manifesting itself even before access to free credit reports is available for all Americans. You need to be careful that you are on the official website to request your report.
Credit Report – How Your Credit Score is Determined by Charles Essmeier
Most consumers are aware that they have something known as a credit score. Few know what factors are used to create that score. Here are some details.
Home Loans – Repair Your Credit Before You Buy by Charles Essmeier
There are companies that offer to “fix” problems on your credit report. Here’s what you need to know to fix the problems yourself.
Choosing the Best Low Interest Credit Card by Jeff Lakie
With so many low interest credit cards on offer, how do you know which one to choose? Here is a brief guide for choosing your low interest credit card.
Free Credit Report – A Website Typo Could Be Costly by Charles Essmeier
Consumers can obtain a copy of their credit report for free at a Government-mandated Website. But only if they type the name correctly.
We are living in a world where each person is taken into trust after evaluating their credit worthiness. This is not a new concept but it has become a mainstream tool to run today’s business.
How to Deal with Hire Purchase Debt by Michael Sherriff
If you want to keep the goods you should ask the creditor to agree to a payment arrangement with you. The creditor is most likely to accept if you can afford the full monthly instalments plus something towards the arrears. If you can't make the full payments, the creditor may agree to reduce the payments, but usually by a small amount and only for a short time. In certain circumstances you may be able to go to court and ask to pay less than the full monthly instalment and extend the length of the agreement.
Bailiffs & Council Tax - Knowing What To Do by Michael Sherriff
Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf of your local council. They try to take your goods away and sell them, usually at auction, to raise money to pay the debt. The process they have to follow to say they want your goods is called ‘distraining’ or ‘levying’
It Is In Your Best Interest To Do The Math On Your Credit Card Interest by Terry McDermott
Credit card interest rates are out of sync with interest rates in general. Find out why it costs you so much to pay off that credit card.
Why Is It important! by Linton Gentles
What is Credit? How Do You Obtain It? How do you keep it? Where to Go for HELP...
Harassment of People in Debt by Creditors by Michael Sherriff
SECTION 40 OF THE ADMINISTRATION OF JUSTICE ACT "S40 Punishment for unlawful harassment of debtors". Many activities could count as harassment. It is important to note that “anything done by a person which is reasonable” when trying to recover a debt, is not considered to be harassment. Both the Office of Fair Trading and Trade Associations (run by the credit industry) have produced guidance on what activities may be considered harassment and should therefore be avoided by creditors. The following list is taken from the new Debt Collection Guidance for holders of consumer credit licenses.
Credit Report Hassles by Martin Lukac
There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it.
Bank Robbery Growing In U.S. by Ron Coleman
Bank robbery has grown to become a huge problem in the United States, but I am not talking about people robbing banks. I am talking about banks robbing people. Here are some tips on how you can avoid being ripped off by your bank.
What Does Your Credit Say About You? by LeAndra Martin
Like it or not, your credit report has a lot to say about you. It helps credit grantors and even human resource professionals determine your personal character.
Debt Collection Agencies by Steve Austin
Debt collection agencies are often a viable option for receiving payment on overdue bills. Here you can earn how debt collection agencies work and what to look for in reputable debt collection agencies.
Understanding the Function of Credit by Sheldon Smith
What is Credit? Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit rating.
Credit Repair: How To Deal With Your Creditors by Douglas Hanna
If you're having financial problems and your creditors are threatening drastic action, there are things you can do to turn things around and make them at least reasonably happy. This article details the things you can do and how you need to document your efforts...
Cutting Credit Card Costs by Ana Ribero
This article contains useful tips to cut credit card costs and save you money.
Restore Your Credit Rating And Reduce Your Debts by Ken Austin
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.
How Your Credit History Can Affect Your Life by Ken Austin
Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle.
10 Signs You May Need Credit Counseling by Jeremy Zongker
Learn what to look out for before it's too late.
Common Credit Score Myths by Gary Gresham
These are the most common myths about fico score ratings that can cost you credit score points if you fall for them.
Finding and Applying for the Right Credit Card Offer Online by G Garcia
We are bombarded daily with ads for credit cards and loans of all types. How do you sift through the garbage to the real deal? This article sorts through the various credit offers to help you make an educated decision.
Cash Back vs. Rewards Credit Cards by Joseph Kenny
So you have decided on that a credit card company should be lucky enough to gain your custom. But with a credit history as good as yours what credit card do you apply for? Will it be the cash back credit card or that reward credit card with special incentives? Ah, the sweet rewards of using credit! ..
Avoiding College Credit Card Traps by James H. Dimmitt
Explains how new college students can avoid credit card traps.
Credit Report Secrets: Do You Know What They Reveal? by Dave Robinson
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. Even if you’re not interested in obtaining credit, your credit report can impact other areas of your life. Potential employers view your credit report to assess your trustworthiness as an employee. Landlords frequently check the credit reports of their tenants before allowing them to sign or renew their lease.
Identity Theft – Monitor Your Credit Report by Charles Essmeier
Those at risk for identity theft have a new tool at their disposal. The credit bureaus will allow you to monitor your credit activity.
Which Business Credit Cards with Reward are the Best? by Jeff Lakie
Learn which credit cards are the best...
Manage Your Credit Wisely by Martin Lukac
Getting your first credit card is a big deal and all young people look forward to it with bated breath.
What Does Your Credit Score Tell You? by Sameer Panjwani
What is a credit score and how is it calculated? Learn how to maintain a decent credit score.
Warning: Free Credit Report Imposter Websites Springing Up on the Web by George Dodge
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months. However, a new form of phishing, is manifesting itself even before access to free credit reports is available for all Americans. You need to be careful that you are on the official website to request your report.
Credit Report – How Your Credit Score is Determined by Charles Essmeier
Most consumers are aware that they have something known as a credit score. Few know what factors are used to create that score. Here are some details.
Home Loans – Repair Your Credit Before You Buy by Charles Essmeier
There are companies that offer to “fix” problems on your credit report. Here’s what you need to know to fix the problems yourself.
Choosing the Best Low Interest Credit Card by Jeff Lakie
With so many low interest credit cards on offer, how do you know which one to choose? Here is a brief guide for choosing your low interest credit card.
Free Credit Report – A Website Typo Could Be Costly by Charles Essmeier
Consumers can obtain a copy of their credit report for free at a Government-mandated Website. But only if they type the name correctly.
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Credit Repair
Debt Consolidation
low-interest credit cards
Bill Consolidation
Avoiding Bankruptcy
GO TO RESOURCES
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