Articles on Credit
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Shoppers Beware - 'Tis The Season by James H. Dimmitt
It’s the number one complaint from consumers and it only takes a moment for you to become a victim. While you search for holiday bargains, identity thieves are searching for targets - unsuspecting co...
Balance Transfers Can Help You Stop Putting Money Down The Drain! by Claire Bowes
As you probably know, interest rates are at all time low right now and if you aren’t getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe ...
How To Boost Your Credit Score by James H. Dimmitt
Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, ann...
Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest? by B. Williams
Identity theft is the fastest growing crime according to the Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name, or uses an existing credit card of yours.
Building Good Business Credit After Bad Credit by Gerri Detweiler
Can you establish good business credit if you have bad personal credit? The answer is yes...but with a few caveats.
Your Consumer Rights by Terry Rigg
If you have ever fallen behind on your debts you already know that dealing with your creditors can be a hassle. Sometimes it can be downright humiliating. It doesn't have to be that way.
Credit Help For Renters And Others On The Horizon by James H. Dimmitt
Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sue’s on-time mortgage payments are reflected in her credit score profiled by the three major credit bur...
Legislators Ponder New Credit Protection Laws by James H. Dimmitt
Legislators in Washington, D.C. are considering several credit-related consumer protections as outlined in The Fair and Accurate Credit Transaction Act of 2003 (H.R. 2622). If approved, consumers co...
The Top 5 Secrets to Managing Your Credit Cards—So They Won’t Manage You by Rob Sallay
Learn to manage your credit cards wisely.
5 Ways To Raise Credit Score by Gary Gresham
Discover how you can use these five simple tips to raise your credit score.
Bankruptcy Myths Busted by Tim S
The average American knows very little about bankruptcy. Most people probably are aware of bankruptcy’s ability to dissolve debt and give the debtor a fresh start. Some of the information you might have heard is correct, but some is not. The purpose of this article is to dispel some of the most common bankruptcy myths.
Free Credit Report - Really by George Burk
2005 marks the year that consumers will be able to get a free credit report each year from the three credit bureaus. Depending on where you live, you could be eligible now. The program is being implemented piecemeal so as not to overwhelm the credit bureaus.
Our World Of Credit Cards! Which One Is Right For You by Mike Yeager
There are not many of us who do not have a credit card these days. But, not all of us are as wise in the area of understanding how they work and how they make money. There are many types available to...
Save Money and Lower your Payments by Improving or Repairing Your Credit by Carmen Shearer
Having a better credit score not only represents easier access to money from lending institutions, but more importantly represents instant money in your pocket.
How Credit Scoring Works by Sameer Panjwani
The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours? How does it increase, how does it decrease and what are the factors that go into its calculation?
Credit Reporting: How Does It Work? by Alan Barnes
In order to determine a consumer’s credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes. Traditionally, a credit report will provide a detailed summary of any delinquency you have had with your creditors. This is measured by the number of times that you fallen more than 30, 60, 90, and 120 days past due.
Credit Reports Inside and Out by Carmen Shearer
The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your “presentation card”.
Identity Theft - Don't Think You Are Immune by David Wilding
You do all you can. You shred your documents and statements. You are very careful how you give out your financial information. It might not be enough.
What is the Check 21 Act? by Tim Gorman
Check 21 is the common name for the Check Clearing for the 21st Century Act. It's new legislation that was recently passed by congress and made a law when signed by the President of the United States (remember "I'm just a bill" from Saturday morning cartoons).
Establishing Credit – What You Need To Know Part 1 by Tim Gorman
Establishing credit is one of the most important things you can do in order to add stability to your financial record and dramatically increase your ability to borrow necessary funds in order to purchase a new home, new car or even pay for college expenses. Unfortunately credit has two sides to it that consumers can exploit.
Establishing Credit – What You Need To Know Part 2 by Tim Gorman
Establishing a good credit history isn’t that difficult if you start small and work your way up. It will take some time but if you do it right it will definitely pay off in the future and allow you the opportunity to obtain credit for the items you really want to purchase or may really need.
Credit Cards - The Top 3 Things You Need To Know by Karin Loftist
Today there are so many different credit cards available, that it has becomes a real hassle to find the right one that will suit your needs. We give you 3 things to consider, to help you make a good choice.
Credit Score: The Brightest Feather In Your Financial Cap by Janet Williams
Credit scores are the most important aspect that determines your financial future. Carrying a good credit score is an asset and can pave your future towards greener pastures. On the other hand a negative marking on your credit report can be ruinous for your future dreams.
Credit Card Is Adding The Silver Lining To Your Pocket by Janet Williams
Credit cards have added to our economic flexibility and have rendered us with instant cash at times of need. At the same time it has also provoked hundreds of people to make impulsive and hasty decisions while spending money.
Why Does FACTA Matter to Me? by Jonathan Kraft
As an employer, what you don’t know about FACTA can definitely hurt you.
I’ve Heard About FACTA; What Does It mean? by Jonathan Kraft
Employers are starting to hear about this new law called FACTA, and are starting to be aware that they need to do something. But what should they do?
Understanding Credit Report Score by Gary Gresham
Once you understand how important your credit report is you can keep fraud in check and your credit score safer.
Credit Cards by Christopher Cooper
The pros and cons of using credit cards.
Know Your Credit Card Rights by Christopher Cooper
How to fight back when the credit card company want to raise your interest rates.
ChexSystems: Who They Are and How it Affects You by Greg Ford
Most people have never heard of a company called ChexSystems... until they are denied from opening a bank account. Something that most of us take for granted. It is at this point they begin to seek out information regarding the company. That is the purpose of this article. This aritcle offers general information about ChexSystems. Who they are? How the system operates? How it affects you? And contact information to obtain your ChexSystems report if you have recently been denied by a bank from opening a checking account.
It’s the number one complaint from consumers and it only takes a moment for you to become a victim. While you search for holiday bargains, identity thieves are searching for targets - unsuspecting co...
Balance Transfers Can Help You Stop Putting Money Down The Drain! by Claire Bowes
As you probably know, interest rates are at all time low right now and if you aren’t getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe ...
How To Boost Your Credit Score by James H. Dimmitt
Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, ann...
Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest? by B. Williams
Identity theft is the fastest growing crime according to the Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name, or uses an existing credit card of yours.
Building Good Business Credit After Bad Credit by Gerri Detweiler
Can you establish good business credit if you have bad personal credit? The answer is yes...but with a few caveats.
Your Consumer Rights by Terry Rigg
If you have ever fallen behind on your debts you already know that dealing with your creditors can be a hassle. Sometimes it can be downright humiliating. It doesn't have to be that way.
Credit Help For Renters And Others On The Horizon by James H. Dimmitt
Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sue’s on-time mortgage payments are reflected in her credit score profiled by the three major credit bur...
Legislators Ponder New Credit Protection Laws by James H. Dimmitt
Legislators in Washington, D.C. are considering several credit-related consumer protections as outlined in The Fair and Accurate Credit Transaction Act of 2003 (H.R. 2622). If approved, consumers co...
The Top 5 Secrets to Managing Your Credit Cards—So They Won’t Manage You by Rob Sallay
Learn to manage your credit cards wisely.
5 Ways To Raise Credit Score by Gary Gresham
Discover how you can use these five simple tips to raise your credit score.
Bankruptcy Myths Busted by Tim S
The average American knows very little about bankruptcy. Most people probably are aware of bankruptcy’s ability to dissolve debt and give the debtor a fresh start. Some of the information you might have heard is correct, but some is not. The purpose of this article is to dispel some of the most common bankruptcy myths.
Free Credit Report - Really by George Burk
2005 marks the year that consumers will be able to get a free credit report each year from the three credit bureaus. Depending on where you live, you could be eligible now. The program is being implemented piecemeal so as not to overwhelm the credit bureaus.
Our World Of Credit Cards! Which One Is Right For You by Mike Yeager
There are not many of us who do not have a credit card these days. But, not all of us are as wise in the area of understanding how they work and how they make money. There are many types available to...
Save Money and Lower your Payments by Improving or Repairing Your Credit by Carmen Shearer
Having a better credit score not only represents easier access to money from lending institutions, but more importantly represents instant money in your pocket.
How Credit Scoring Works by Sameer Panjwani
The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours? How does it increase, how does it decrease and what are the factors that go into its calculation?
Credit Reporting: How Does It Work? by Alan Barnes
In order to determine a consumer’s credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes. Traditionally, a credit report will provide a detailed summary of any delinquency you have had with your creditors. This is measured by the number of times that you fallen more than 30, 60, 90, and 120 days past due.
Credit Reports Inside and Out by Carmen Shearer
The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your “presentation card”.
Identity Theft - Don't Think You Are Immune by David Wilding
You do all you can. You shred your documents and statements. You are very careful how you give out your financial information. It might not be enough.
What is the Check 21 Act? by Tim Gorman
Check 21 is the common name for the Check Clearing for the 21st Century Act. It's new legislation that was recently passed by congress and made a law when signed by the President of the United States (remember "I'm just a bill" from Saturday morning cartoons).
Establishing Credit – What You Need To Know Part 1 by Tim Gorman
Establishing credit is one of the most important things you can do in order to add stability to your financial record and dramatically increase your ability to borrow necessary funds in order to purchase a new home, new car or even pay for college expenses. Unfortunately credit has two sides to it that consumers can exploit.
Establishing Credit – What You Need To Know Part 2 by Tim Gorman
Establishing a good credit history isn’t that difficult if you start small and work your way up. It will take some time but if you do it right it will definitely pay off in the future and allow you the opportunity to obtain credit for the items you really want to purchase or may really need.
Credit Cards - The Top 3 Things You Need To Know by Karin Loftist
Today there are so many different credit cards available, that it has becomes a real hassle to find the right one that will suit your needs. We give you 3 things to consider, to help you make a good choice.
Credit Score: The Brightest Feather In Your Financial Cap by Janet Williams
Credit scores are the most important aspect that determines your financial future. Carrying a good credit score is an asset and can pave your future towards greener pastures. On the other hand a negative marking on your credit report can be ruinous for your future dreams.
Credit Card Is Adding The Silver Lining To Your Pocket by Janet Williams
Credit cards have added to our economic flexibility and have rendered us with instant cash at times of need. At the same time it has also provoked hundreds of people to make impulsive and hasty decisions while spending money.
Why Does FACTA Matter to Me? by Jonathan Kraft
As an employer, what you don’t know about FACTA can definitely hurt you.
I’ve Heard About FACTA; What Does It mean? by Jonathan Kraft
Employers are starting to hear about this new law called FACTA, and are starting to be aware that they need to do something. But what should they do?
Understanding Credit Report Score by Gary Gresham
Once you understand how important your credit report is you can keep fraud in check and your credit score safer.
Credit Cards by Christopher Cooper
The pros and cons of using credit cards.
Know Your Credit Card Rights by Christopher Cooper
How to fight back when the credit card company want to raise your interest rates.
ChexSystems: Who They Are and How it Affects You by Greg Ford
Most people have never heard of a company called ChexSystems... until they are denied from opening a bank account. Something that most of us take for granted. It is at this point they begin to seek out information regarding the company. That is the purpose of this article. This aritcle offers general information about ChexSystems. Who they are? How the system operates? How it affects you? And contact information to obtain your ChexSystems report if you have recently been denied by a bank from opening a checking account.
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