Articles on Credit
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How To Save Money On Credit Cards by Paul Davis
Some credit cards offer a cash advance option. But how good a deal is this? Not very. In fact, it can be downright expensive. Why? Because every time you use your credit card to withdraw case, m...
The Three Largest Factors In Your Interest Rate by David E Brumbaugh
There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration. 1. The Federal Reserve Discount Interest Rate. Banks and...
How To Choose A Credit Card by Stephen Kelly
Choosing the right credit card can be difficult. However, if you think about how you plan to use the card, you can make a decision that you will be able to live with for the long run.
The Advantages of Credit Cards by Christine Breen
There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed t...
Credit Card Companies Are Out for Your Money by Christine Breen
You're probably thinking "Tell me something I don't know" but in this time of low interest rates you might be thinking that you've got a great deal since credit card interest rates are low. Wrong...
Avoiding Credit Card Traps by James H. Dimmitt
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folde...
Tips For Getting Your First Credit Card by Jeremy Zongker
If you are looking to apply for your first credit card, this article can save you time and money.
Top 5 Reasons To Check Your Credit Report Regularly by James H. Dimmitt
#1 Make sure mistakes aren't hurting your credit. Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Ot...
Keep Your Credit History Clean - Remove A Negative Credit Record From Credit Report by Jeffrey Broobin
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. But very often your ...
Minimize your Risk for Identity Theft by Jeffrey Broobin
Identity theft is the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million in 2003. These crimes are estimated to ha...
Do you Know the Benefits of Checking your Credit Report? by Mary Arce
Do you know why you should check your credit report? Of course you do, because you have undoubtedly experienced one working in your life! No matter where you roam, your credit report follows you thro...
Identity Theft Exploding: Here’s How You Can Avoid Becoming A Victim by Steven Presar
Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems. Nine out of ten Americans demand new federal ...
Building Your Credit History by Jeremy Zongker
Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit without having a good credit history. So, it is important to start building your credit history when you're young.
Credit Report Disaster Through Mistaken Identity by Don Bethune
How Mistaken Identity could land even those with perfect credit in bankruptcy court!
Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions by George Parker
What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand what can be done to reduce the risk of a credit transaction in the eyes of the provider. Never accept a credit rejection without considering credit enhancements. Here are a few tips on credit enhancement to help guide you in approaching the credit process:
Credit Repair Myths and Facts by Jason A. Martin
There are no secrets to repairing your credit. Negative items can be removed from your credit report and you can do it yourself right now.
Have You Checked Your Permanent Record Lately? by James H. Dimmitt
As a young student I feared getting bad grades because I didn’t want any bad marks on my “permanent record.” Get an “F” in fifth-grade science and it goes in your record. Act up in Mrs. Brown’s class...
10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree by BZ Riger-Hull
Someone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that i...
When You Are Eligible For A Free Credit Report by Virginia Broobin
by Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1. You are unemployed and seeking employment in the next 60 days...
Fun with Credit Cards by Terry Mitchell
For those of us who know how to use them properly, credit cards can actually be quite fun and lucrative.
Credit Cards, Merchant Accounts, and Your Bottomline by Tim Knox
Q: I'm opening a gift shop and want to be able to accept credit cards. I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked. He did say that I would need something called "a merchant account" and something else called "a credit card processor." Beyond that he seemed as clueless as I am. I'm thinking about going to another bank. Can you explain how that all works? -- Mary Ann G.
Ten Steps To Building A Good Credit History by Drahcir Semaj
Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what’s on your credi...
How You Can Avoid Becoming A Victim Of Identity Theft by Alex Katz
To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take. The most important one is to ask periodically for a copy of your credit repor...
Credit Report And Correction Techniques by Virginia Broobin
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes...
First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers by Michelle Dunn
Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse.
Ways to Look Good without Selling Your Soul to the Credit Card Sharks by Bill Austin
We all want to look good... and not spend a small fortune on our wardrobe. Here are some tips that have worked for me...
Avoiding ID Theft and Credit Fraud by Eve Abbott
One in every eight Americans has already been victimized! It can take years and thousands of dollars to correct an identity theft, credit fraud or a simple key entry error by a clerk at a Credit Bureau. It takes just minutes for you to use these proven tips!
Tired Of Being Broke?...Learn How To Force Banks To Give You Money! by Cornelus Postell
Imagine...obtaining credit that's incredibly easy...opening doors of opportunity you never even considered being possible. Credit which will allow you to take the dream vacation of a lifetime, drive ...
Everything You Always Wanted To Know About Your Credit Report by Tim Gorman
Your credit report is a very powerful report that essential controls what you can and cannot do in your life. Unfortunately many people aren’t aware of what a credit report actually is and what information is contained on the report. This article breaks down what is contained on your credit report and tells you everything you always wanted to know about your credit report but were afraid to ask.
New Law Provides Free Annual Credit Report by James H. Dimmitt
As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactio...
Some credit cards offer a cash advance option. But how good a deal is this? Not very. In fact, it can be downright expensive. Why? Because every time you use your credit card to withdraw case, m...
The Three Largest Factors In Your Interest Rate by David E Brumbaugh
There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration. 1. The Federal Reserve Discount Interest Rate. Banks and...
How To Choose A Credit Card by Stephen Kelly
Choosing the right credit card can be difficult. However, if you think about how you plan to use the card, you can make a decision that you will be able to live with for the long run.
The Advantages of Credit Cards by Christine Breen
There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed t...
Credit Card Companies Are Out for Your Money by Christine Breen
You're probably thinking "Tell me something I don't know" but in this time of low interest rates you might be thinking that you've got a great deal since credit card interest rates are low. Wrong...
Avoiding Credit Card Traps by James H. Dimmitt
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folde...
Tips For Getting Your First Credit Card by Jeremy Zongker
If you are looking to apply for your first credit card, this article can save you time and money.
Top 5 Reasons To Check Your Credit Report Regularly by James H. Dimmitt
#1 Make sure mistakes aren't hurting your credit. Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Ot...
Keep Your Credit History Clean - Remove A Negative Credit Record From Credit Report by Jeffrey Broobin
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. But very often your ...
Minimize your Risk for Identity Theft by Jeffrey Broobin
Identity theft is the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million in 2003. These crimes are estimated to ha...
Do you Know the Benefits of Checking your Credit Report? by Mary Arce
Do you know why you should check your credit report? Of course you do, because you have undoubtedly experienced one working in your life! No matter where you roam, your credit report follows you thro...
Identity Theft Exploding: Here’s How You Can Avoid Becoming A Victim by Steven Presar
Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems. Nine out of ten Americans demand new federal ...
Building Your Credit History by Jeremy Zongker
Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit without having a good credit history. So, it is important to start building your credit history when you're young.
Credit Report Disaster Through Mistaken Identity by Don Bethune
How Mistaken Identity could land even those with perfect credit in bankruptcy court!
Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions by George Parker
What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand what can be done to reduce the risk of a credit transaction in the eyes of the provider. Never accept a credit rejection without considering credit enhancements. Here are a few tips on credit enhancement to help guide you in approaching the credit process:
Credit Repair Myths and Facts by Jason A. Martin
There are no secrets to repairing your credit. Negative items can be removed from your credit report and you can do it yourself right now.
Have You Checked Your Permanent Record Lately? by James H. Dimmitt
As a young student I feared getting bad grades because I didn’t want any bad marks on my “permanent record.” Get an “F” in fifth-grade science and it goes in your record. Act up in Mrs. Brown’s class...
10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree by BZ Riger-Hull
Someone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that i...
When You Are Eligible For A Free Credit Report by Virginia Broobin
by Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1. You are unemployed and seeking employment in the next 60 days...
Fun with Credit Cards by Terry Mitchell
For those of us who know how to use them properly, credit cards can actually be quite fun and lucrative.
Credit Cards, Merchant Accounts, and Your Bottomline by Tim Knox
Q: I'm opening a gift shop and want to be able to accept credit cards. I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked. He did say that I would need something called "a merchant account" and something else called "a credit card processor." Beyond that he seemed as clueless as I am. I'm thinking about going to another bank. Can you explain how that all works? -- Mary Ann G.
Ten Steps To Building A Good Credit History by Drahcir Semaj
Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what’s on your credi...
How You Can Avoid Becoming A Victim Of Identity Theft by Alex Katz
To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take. The most important one is to ask periodically for a copy of your credit repor...
Credit Report And Correction Techniques by Virginia Broobin
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes...
First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers by Michelle Dunn
Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse.
Ways to Look Good without Selling Your Soul to the Credit Card Sharks by Bill Austin
We all want to look good... and not spend a small fortune on our wardrobe. Here are some tips that have worked for me...
Avoiding ID Theft and Credit Fraud by Eve Abbott
One in every eight Americans has already been victimized! It can take years and thousands of dollars to correct an identity theft, credit fraud or a simple key entry error by a clerk at a Credit Bureau. It takes just minutes for you to use these proven tips!
Tired Of Being Broke?...Learn How To Force Banks To Give You Money! by Cornelus Postell
Imagine...obtaining credit that's incredibly easy...opening doors of opportunity you never even considered being possible. Credit which will allow you to take the dream vacation of a lifetime, drive ...
Everything You Always Wanted To Know About Your Credit Report by Tim Gorman
Your credit report is a very powerful report that essential controls what you can and cannot do in your life. Unfortunately many people aren’t aware of what a credit report actually is and what information is contained on the report. This article breaks down what is contained on your credit report and tells you everything you always wanted to know about your credit report but were afraid to ask.
New Law Provides Free Annual Credit Report by James H. Dimmitt
As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactio...
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