Articles on Credit
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Credit Scores and Loan Applications by Frank Vanderlugt
How a credit score is derived, and what consumers need to do to insure its accuracy.
How to Repair a Bad Credit Rating by John Mussi
If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.
What is a Bad Credit History? by John Mussi
A bad credit history can sometimes seem like a curse... whenever you apply for financing or for a loan, it always seems to pop up and cause you problems.
Big Brother Knows What's in Your Credit Report - How About You? by Jon Galanty
Whether you are aware of it or not, credit bureaus have been keeping tabs on you and how you use credit. When it's time for you to apply for a mortgage, credit card, or personal loan, your credit report is what lenders look at to decide to approve you or not.
Myths and Truth about Credit Scoring by Simon Fox
What score is acceptable for a particular loan or credit product depends solely on a lender. The person’s credit score might not be high enough to get credit with one bank, and perfectly acceptable with another.
FREE Credit Report Offer - Careful, It Might Carry Hidden Charges by Simon Chobod
FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business? When they offer you credit report for free, they will try to make you pay for something else...
Credit Trap: What They Don't Tell You About Credit Cards In College by R. Sharp
These are just a few of the many truths that they don’t tell college students about credit card debt before they sign on the dotted line.
7 Ways To Squash Identity Theft by Matthew Keegan
It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card number, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already done. Here are seven steps you can take to prevent identity theft.
3 Free Credit Reports For You by Matthew Keegan
If you were to tell someone that they can have a certain item for free, more than likely their response would be, “what’s the catch?” In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let’s take a look at the law and how you can benefit from it.
How You Can Help Prevent Identity Theft by Michelle Dunn
Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Service is a lead agency in investigating Identity Theft. Identity Theft is a criminal offense.
How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores? by Jansen Drake
A qualified mortgage consultant will guide you through the nuances of the process of improving your credit score to refinance and save money.
Understanding Credit Card Penalties by Laura Flanders
Because most of us have one or two credit cards and we use them every day, understanding credit card penalties and fees is a significant issue since one time or another we have paid a penalty for some reason.
Dont Fall For A Scheme When Trying To Rebuild Your Credit History by Michael Contaro
For people with a spotty credit history or bad credit, getting approved for a standard credit card can be difficult, if not impossible.
How to Improve Your Credit Rating by Lisa Murray
When we have ourselves back on our feet there is nothing worse than realising that our credit rating has been effected. This can impact on many areas of your life. It can be changed.
The Right Way To Credit Repair by Dan Farrell
Bad credit is no fun but with these simple steps to credit repair, you can be on your way to a more carefree life.
Fixing A Credit Report by Steven Gillman
Is fixing a bad credit report possible? Yes, and you can do it on your own, starting today.
How did a Thief get my Name? Don’t be a Victim of Identity Theft by Michelle Dunn
Identity Theft is America’s fastest growing type of robbery. There have been an estimated 9.9 million victims in America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information.
Always Avoid Payment Holidays by Ken Austin
Once you’ve been paying off a credit card for a while, you might be offered a ‘payment holiday’. You’ll get a letter, saying that since the company knows it’s difficult for some families around Christmas (or whatever other excuse they think up), they’re offering you a month off from paying, as a ‘special present’.
Low Interest Credit Cards: A Thing of the Past? by Matthew Keegan
With interest rates rising, low or zero percent credit cards may soon become a thing of the past. However, the wise shopper can still secure a low rate by carefully shopping around.
Making Sense of Credit Card Fees by Joseph Kenny
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances
Maximizing Credit Card Rewards by Joseph Kenny
In their quest to get you to sign up for their credit card, banks and financial institutions are coming up with more and higher incentives to entice you. Frequent flyer miles gave way to gas miles which opened the door for cash rebates and reward points to be used at 'our fine member merchants'
Read and Understand Your Credit Card Statement by Neil Goldberg
Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don’t take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you... right on your credit report, and once there can stay with you a while...
Credit Counseling -- Why It Doesn't Work For Most Debtors by Charles Phelan
Discusses why credit counseling has come under attack by consumer groups for failing to do the job it's advertised to do. Explains the main reasons for credit counseling's failure to provide debt relief for most enrollees.
Commercial Collections And Credit Granting by Steve Austin
It is estimated that billions of dollars in delinquent commercial credit is currently being carried on the books of both American and international businesses. This figure changes as our economy grows or contracts.
Easing Your Financial Burdens With Credit Counseling by Melanie Slade
It’s tough getting a handle on mounting credit card debt. Here are some great tips for figuring out ways to manage this unwieldy problem.
How Business's Mess Up Their Credit Policies by Michelle Dunn
Many businesses’s make it difficult for customers to open a revolving credit account and are completely unaware of it.
Compare Credit Card Offers and Reward Yourself by David Dubbs
Compare Visa, Mastercard, Discover Card, and American Express for the best interest rates and rewards. Get cash back, airline miles, or tons of gifts.
The Exact Action To Take When You Find Errors In Your Credit Report by Michael Sherriff
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on state benefits, or believe that your credit report is incorrect because of fraud.
Annual Credit Report and Free Annual Credit Report by Christian N
Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports.
Credit Report – Watch Out for Parking Tickets by Charles Essmeier
Small unpaid debts such as parking tickets are now showing up on credit reports. You should be aware that small debts can hurt you when you try to obtain credit.
How a credit score is derived, and what consumers need to do to insure its accuracy.
How to Repair a Bad Credit Rating by John Mussi
If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.
What is a Bad Credit History? by John Mussi
A bad credit history can sometimes seem like a curse... whenever you apply for financing or for a loan, it always seems to pop up and cause you problems.
Big Brother Knows What's in Your Credit Report - How About You? by Jon Galanty
Whether you are aware of it or not, credit bureaus have been keeping tabs on you and how you use credit. When it's time for you to apply for a mortgage, credit card, or personal loan, your credit report is what lenders look at to decide to approve you or not.
Myths and Truth about Credit Scoring by Simon Fox
What score is acceptable for a particular loan or credit product depends solely on a lender. The person’s credit score might not be high enough to get credit with one bank, and perfectly acceptable with another.
FREE Credit Report Offer - Careful, It Might Carry Hidden Charges by Simon Chobod
FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business? When they offer you credit report for free, they will try to make you pay for something else...
Credit Trap: What They Don't Tell You About Credit Cards In College by R. Sharp
These are just a few of the many truths that they don’t tell college students about credit card debt before they sign on the dotted line.
7 Ways To Squash Identity Theft by Matthew Keegan
It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card number, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already done. Here are seven steps you can take to prevent identity theft.
3 Free Credit Reports For You by Matthew Keegan
If you were to tell someone that they can have a certain item for free, more than likely their response would be, “what’s the catch?” In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let’s take a look at the law and how you can benefit from it.
How You Can Help Prevent Identity Theft by Michelle Dunn
Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Service is a lead agency in investigating Identity Theft. Identity Theft is a criminal offense.
How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores? by Jansen Drake
A qualified mortgage consultant will guide you through the nuances of the process of improving your credit score to refinance and save money.
Understanding Credit Card Penalties by Laura Flanders
Because most of us have one or two credit cards and we use them every day, understanding credit card penalties and fees is a significant issue since one time or another we have paid a penalty for some reason.
Dont Fall For A Scheme When Trying To Rebuild Your Credit History by Michael Contaro
For people with a spotty credit history or bad credit, getting approved for a standard credit card can be difficult, if not impossible.
How to Improve Your Credit Rating by Lisa Murray
When we have ourselves back on our feet there is nothing worse than realising that our credit rating has been effected. This can impact on many areas of your life. It can be changed.
The Right Way To Credit Repair by Dan Farrell
Bad credit is no fun but with these simple steps to credit repair, you can be on your way to a more carefree life.
Fixing A Credit Report by Steven Gillman
Is fixing a bad credit report possible? Yes, and you can do it on your own, starting today.
How did a Thief get my Name? Don’t be a Victim of Identity Theft by Michelle Dunn
Identity Theft is America’s fastest growing type of robbery. There have been an estimated 9.9 million victims in America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information.
Always Avoid Payment Holidays by Ken Austin
Once you’ve been paying off a credit card for a while, you might be offered a ‘payment holiday’. You’ll get a letter, saying that since the company knows it’s difficult for some families around Christmas (or whatever other excuse they think up), they’re offering you a month off from paying, as a ‘special present’.
Low Interest Credit Cards: A Thing of the Past? by Matthew Keegan
With interest rates rising, low or zero percent credit cards may soon become a thing of the past. However, the wise shopper can still secure a low rate by carefully shopping around.
Making Sense of Credit Card Fees by Joseph Kenny
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances
Maximizing Credit Card Rewards by Joseph Kenny
In their quest to get you to sign up for their credit card, banks and financial institutions are coming up with more and higher incentives to entice you. Frequent flyer miles gave way to gas miles which opened the door for cash rebates and reward points to be used at 'our fine member merchants'
Read and Understand Your Credit Card Statement by Neil Goldberg
Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don’t take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you... right on your credit report, and once there can stay with you a while...
Credit Counseling -- Why It Doesn't Work For Most Debtors by Charles Phelan
Discusses why credit counseling has come under attack by consumer groups for failing to do the job it's advertised to do. Explains the main reasons for credit counseling's failure to provide debt relief for most enrollees.
Commercial Collections And Credit Granting by Steve Austin
It is estimated that billions of dollars in delinquent commercial credit is currently being carried on the books of both American and international businesses. This figure changes as our economy grows or contracts.
Easing Your Financial Burdens With Credit Counseling by Melanie Slade
It’s tough getting a handle on mounting credit card debt. Here are some great tips for figuring out ways to manage this unwieldy problem.
How Business's Mess Up Their Credit Policies by Michelle Dunn
Many businesses’s make it difficult for customers to open a revolving credit account and are completely unaware of it.
Compare Credit Card Offers and Reward Yourself by David Dubbs
Compare Visa, Mastercard, Discover Card, and American Express for the best interest rates and rewards. Get cash back, airline miles, or tons of gifts.
The Exact Action To Take When You Find Errors In Your Credit Report by Michael Sherriff
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on state benefits, or believe that your credit report is incorrect because of fraud.
Annual Credit Report and Free Annual Credit Report by Christian N
Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports.
Credit Report – Watch Out for Parking Tickets by Charles Essmeier
Small unpaid debts such as parking tickets are now showing up on credit reports. You should be aware that small debts can hurt you when you try to obtain credit.
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free credit reports
Credit Repair
Debt Consolidation
low-interest credit cards
Bill Consolidation
Avoiding Bankruptcy
GO TO RESOURCES
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