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Articles about or concerning Credit Tips, Improving Credit Scores, Credit Agencies, Credit Building Tips, Credit Repair, Credit Agencies, and anything related to offering advice on Credit.
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Beat the System Escape the Debt Trap With Low Interest Credit Card Transfers

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 Mark E Mason (July 20, 2008)  Do you, or someone you know, have credit card debt? Maybe you don't have debt on your credit card, but you realize that your monthly payments don't seem to be knocking anything off of the balance you owe on your credit card. This is what happens when interest rates increase and before you know it, your bill is so high you don't know what to do. Finding a low interest credit card is a .. (Credit Tips)

How to Apply For BPI Credit Cards

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 M Rasing (July 20, 2008)  The Bank of the Philippine Islands may be the oldest bank in the Philippines and in Southeast Asia but it is also one of the best in the Philippines. I have been using their credit cards for more than 2 years now and I can say that I am satisfied with what I'm getting. Here are some tips and reminders on how to apply for BPI credit cards and BPI mastercard. For a BPI Express Credit .. (Credit Tips)

BPI Credit Card Rewards and Benefits

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 M Rasing (July 20, 2008)  I really am a happy user of BPI credit cards. It is my first credit card and I did not bother to apply for another bank's credit cards. The Bank of the Philippine Islands is my preferred bank. Banco de Oro, Metrobank, Standard Chartered, HSBC, Citibank and Landbank are all good banks. I just like BPI! End of discussion! Loyal BPI credit card holders have a number of rewards, perks and .. (Credit Tips)

Your Credit Card Application

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 M Rasing (July 20, 2008)  A number of people are afraid of credit cards. They feel that they will only ruin their financial discipline. They are afraid that they will be buried in credit card debt. Their credit card rating might be compromised and they will not be able to apply for personal loans and line of credit in the future. To these people, I say, you only need discipline! All it takes is credit card .. (Credit Tips)

Managing CCJs

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 Carl Baker (July 20, 2008)  If talks with your creditors have broken down and missed payments have occurred on loans or credit agreements the creditor may issue a County Court Judgment (CCJ). If this is the case the courts will have decided how much you should pay each month and missing payments arranged through the courts could lead to further charges and action being taken against you and further bad credit .. (Credit Tips)

Civil Judgment How to Remove Judgments From Your Credit History

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 Matt Douglas (July 20, 2008)  A judgment means a creditor or debt collector is suing you for payment. This typically occurs with unsecured debt. A judgment gives the plaintiff legal grounds to try and recover payment for up to 20 years. It is becoming common for debt collectors to renew judgments. This means if no payment is recovered after 20 years then the plaintiff can file a renewal and be allowed to try and .. (Credit Tips)

Get Your Free Annual Credit Report to Save on High Fees

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 Christopher Wright (July 19, 2008)  "Bad credit, no credit, don't sweat it!" You'll hear this war cry from a lot of car dealers, appliance stores, and other places who are trying to get your business. What they don't tell you is that if you have bad credit, you will be paying high fees out the ‘ying yang’. To get the very best deal possible, you need to have good credit scores. Say you don't know what your .. (Credit Tips)

Be Your Own Detective Detect Yourself to Protect Yourself!

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 Barry Dunn (July 19, 2008)  So, you may have not thought of detecting yourself, but you really should. What information is out there for all to see? Do you have any ideas? Step One: “Google" yourself. Now I know to google really isn't a verb, but by common use, it basically is. Of course don't limit yourself to Google, as Google at times can be evil* and it may have something against you. My wife had done .. (Credit Tips)

Credit Cards For Poor Credit

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 Christopher Jackson (July 19, 2008)  You can obtain loans, mortgages, credit cards, cash advances, even if you have a poor credit score. Early education on the handling of money and the knowledge that credit cards are to be used wisely will help ensure that the kids don't go into credit card debt or tread the path to financial ruin. Banks still will not give out small business owner credit cards like lollipops at the .. (Credit Tips)

Credit Bureaus and Clearing Your Credit

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 Joseph M Sabol (July 18, 2008)  A direct result of credit problems is a poor credit report. If you want to reestablish credit after having a poor credit history, you must clear your credit report of the poor credit items. Let me state right up front, there is no real sure way to clear a bad credit file. That is a fact! What I do know is that the Credit Bureaus are franchised out and the membership of the credit bureau . (Credit Tips)

Exploring Errors and Disputing Items on Your Credit Report

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 Michael G Harrington (July 18, 2008)  80% of credit reports contain errors or inaccuracies on them and that is not a very pleasing statistic. But since the 3 major credit bureaus (Equifax, Experian and TransUnion) aren't always accurate in they're reporting and the creditors that report these items aren't always careful, what can be done? First, we should realize what types of errors or inaccuracies show up on credit .. (Credit Tips)

Some Credit Repair Help Everyone Could Use

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 Lee Beattie (July 18, 2008)  You Want To Learn Credit Repair Help Your credit history is a wonderful privilege to have and some people take it for granted until it's to a fault late and they have ruined their good credit and commonly individuals find out when they least anticipate it. A good example is when you have applied for a bit of loans because your bills were overdue but realize it is too late. No one plans .. (Credit Tips)

Tips on Getting Out of Debt and Escaping the Credit Trap

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 Theresa Nixon (July 18, 2008)  It's clever how the credit card companies and the banks get you to believe that you can't make it without credit. But the truth is, it is nearly impossible to make it with credit. The constant mantras from the credit card companies and banks have successfully convinced consumers that they cannot have a fulfilling life without credit; but translated that means bondage to the creditors. .. (Credit Tips)

The Effects of Closing Accounts on Your FICO Score

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 Kyle Gentile (July 18, 2008)  You want to apply for a mortgage and don't want a lot of credit card accounts just sitting on your credit report because you think it is going to hurt your FICO score.   You think you can raise your score just by closing your accounts and you close a few.   Guess what?  The opposite happens and your FICO score goes down.   Why is that?   The first reason is your FICO score judges .. (Credit Tips)

Credit Card Debt Eliminate It

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 Tina T Willer (July 18, 2008)  Credit card debt and credit card usage has become habitual for many people in the west. Even though credit cards have the highest interest rates of all the debts we carry, many of us use them on a regular basis. Because of their convenience and deferred payments, today they are used much more than cash. Some of us have gotten into financial hardship due to our use of credit cards, even . (Credit Tips)

How to Establish Business Credit Using a Business Credit Card

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 John Purfield (July 17, 2008)  Owning your own business can lead to many challenges. Access to funds is one of them. This especially holds true for new businesses trying to establish business credit. One way to solve both problems is to get a business credit card. While this is a simple solution to get your business credit started, it's not all roses and glory. You need to keep on top of your spending habits. When .. (Credit Tips)

Help For Bad Credit Borrowers Dont Make These 3 Mistakes

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 Leslie Collins (July 17, 2008)  Applying for a loan to purchase a home, car, boat or anything else you need or want is based first and foremost on your FICO score. If it's over 700 your in pretty good shape and should easily get a the best interest rate. How can you avoid the bad creit trap? The best way to avoid needing help for bad credit is to manage your credit wisely. It sounds so obvious but there are 3 few .. (Credit Tips)

Bad Credit Lender Re establish Your Credit Worthiness

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 Leslie Collins (July 17, 2008)  Frustrated with your bad credit? Who wouldn't be. There is a solution however. A bad credit lender can help meet your needs if you have a poor credit score resulting from bad credit history. There are many types of bad credit lenders however the goals of each individual lender are quite similar in that they strive to help you get funding under challenging circumstances. When should .. (Credit Tips)

What Collection Agents Dont Want You to Know

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 Joseph Onesta (July 17, 2008)  As our economy continues to tighten many people will find it more difficult to manage their debt and eventually some will be have to deal with collection agents. Credit card debt is usually unsecured, that is, there is no collateral held against the debt. If consumers don't pay, creditors can place negative remarks on their credit reports but they cannot touch assets without taking .. (Credit Tips)

What to Look For in a Reloadable Mastercard

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 Steven Walters (July 17, 2008)  Millions of business around the world accept Mastercard credit cards and those same businesses will accept your Mastercard prepaid reloadable cards. The great thing about the reloadable Mastercard is that you can use it just like a credit card and it can be recharged whenever you need more funds. This helps you to budget and take control of your finances effectively. Don't confuse the .. (Credit Tips)

How to Obtain an Instant Credit Limit Increase

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 Katina Blue (July 17, 2008)  Need more credit? Maybe you have a special project you need to finance, or a dream vacation you want to take now and pay for later. If you have an instant charge card with a pauper's limit and an excellent balance record, you can easily have it increased. Then again, if your charge card was recently obtained an instant credit limit increase may not be as accessible, but it is possible .. (Credit Tips)

All About Credit Reports

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 Jay Neel (July 17, 2008)  Are you curious about your credit report? Do you know your credit score? Do you know that credit bureaus provide your annual credit report free? If you have not asked for ever, then you should do that today! You will thank me for this. Your credit report will provide your financial score card as well as credit history which can be interesting or daunting depending on your credit score .. (Credit Tips)

Quick Tips For Good Credit Score

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 Jay Neel (July 17, 2008)  First of all, let me clarify that there are no guaranteed quick fix tips for better credit score. If you want to increase your credit score, then you have to start with the mindset that it will take time, patience and responsibility. So if you are ready to take responsibility for your actions, then you are at the right place. Keep reading! Tip#1: Make all payments on or before due .. (Credit Tips)

How to Fix Your Credit Score For Good

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 James McKerr (July 16, 2008)  There are a million and one so called fixes to credit score issues available. The one downfall of many of them is that they tend to focus on the short term. However much more preferable is to find a long term solution to your credit problems. Below are some tips to help you find the right long term solution to you. Take Action This is perhaps the biggest and most common mistake that .. (Credit Tips)

5 Instant Tips to Build Good Credit

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 Alex Navas (July 16, 2008)  Let's face it; everyone is looking to build good credit. There are many benefits to having good credit such as saving money on interest, having a lower insurance premium, and even saving you the embarrassment of having your job application denied because of having poor credit. The truth is, with a little bit of discipline, it's very easy to build good credit without much effort at all. . (Credit Tips)

4 Great Credit Rebuilding Techniques

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 Tom Tessin (July 16, 2008)  Bad credit repair tips help to get rid of bad credit remarks from credit reports. Whatever the reason is, be it bankruptcy, increasing debts, or erroneous remark on credit reports, it is difficult to avail loans from commercial banks or from any other financial institutions. Often, a good credit rank is vital to avail any kind of credit repair loan. Once you get bad credit remarks on .. (Credit Tips)

I Saved More Than $1,000 by Changing Credit Cards With Card Hub

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 Lynn B. Johnson (July 16, 2008)  I used to be a slave to my credit cards and boy, did they know it. My APR (Annual Percentage Rate) was exceeded only by my monthly payment. I had to do something. Sure, I got a lot of credit card offers in the mail, but I'm not exactly the organized person who files offers in order to compare and contrast them for the best deal. Besides, one offer would expire two days before the next . (Credit Tips)

The Five Factors Affecting Your FICO Score

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 Kyle Gentile (July 16, 2008)  Most of us are familiar with credit scores, but are not really sure how the score is generated. The first thing to understand is there 100 different ways to score your credit. They are all based on your credit report and the most recognized is the FICO score. Developed by Fair Isaac, FICO scores entail a highly complex formula to determine a credit score with each factor's value .. (Credit Tips)

What is a Charge Off and How to Remove it From Your Credit History

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 Justin Hutto (July 16, 2008)  A charge off occurs when an account becomes delinquent and no payment is made after 6 months. The creditor will report the account to the credit bureaus as a charge off. The debt will be sold to a collection agency and your credit score will go down. Some times things happen in life and we just can't pay all our bills. However you don't have to suffer paying the high interest rates and . (Credit Tips)

The Top Reasons Why People Go Into Debt

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 Domingo Reyes (July 16, 2008)  There are many reasons why people fall into debt. Some by their own faults while others encounter unforeseen events that they have no control over and most of the time these people are those who have never experienced being in debt before. So what are the top reasons why some people go into debt? We count them down below: 1. Unemployment/Job Loss - One day you have a great job and the .. (Credit Tips)

Need Cash But Have No Credit Record?

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 Ryan Oberholzer (July 15, 2008)  People refuse to give you a credit card, because you don't have a credit record, but you need one to actually start one. It's just one vicious circle. I was once in that situation; I urgently needed a new car as my old one was stolen and I had no transport to work. After a week I lost my job, and I fell into depression. I had nothing; I needed to pay rent, and obviously eat. Since I .. (Credit Tips)

Raising Credit Score 3 Ways to Improve Credit Score Fast

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 Paul Sarwana (July 15, 2008)  Many people often wonder how they can raise their credit score. It is actually easier than most people think. There are many different steps you can take for improving your overall credit rating. Here are three essential steps you can take: 1. Obtain Copies of Your Credit Report One of the first steps to increase your credit score is to obtain copies of your current credit status from .. (Credit Tips)

Tips on Picking Out Gas Cards

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 Dolson McArt (July 15, 2008)  Gas prices are getting higher, and there's nothing we can do about it. For most individuals, it's the start of waging war with gas stations. For others, they just resigned on doing nothing about it except that they opt to find other means of going through places by riding a bicycle or ride in a public transportation. But we do know that whatever we do, gas prices won't stop getting .. (Credit Tips)

How Do I Get Out of Debt

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 Jeff Gilbert (July 15, 2008)  In a perfect world, none of us would have to rely on credit cards or loans.  Everything would be paid in cash.  In our parents’ day, they neither wanted nor relied on credit.  If they couldn't afford it, they wouldn't buy it.  Today is different, however, and the economic recession is a direct result of sub-prime mortgages and unpaid credit.  If you owe money on your credit .. (Credit Tips)

To Co sign Or Not to Co sign? That is the Question

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 Michael G Harrington (July 15, 2008)  In a perfect world, we would all be granted the ability to obtain credit: be it credit cards, an auto loan, a home mortgage, etc. We all obviously know that this is not the case and that many lending institutions require you seek a co-signer in securing some type of loan or credit. Enter the almighty CO-SIGNER! This could be a friend, family member or a business associate. This is not .. (Credit Tips)

Preventing Online Credit Card Fraud

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 R.S. Mach (July 15, 2008)  The use of Internet has ballooned in the last 10 years and everyday we rely on it more and more. The convenience of the internet makes our lives easier to manage and the real-time information that is available has become a part of our daily lives. Overtime, we have lost our fear of using the Internet for purchases using our credit cards. We use it on retail sites like Amazon, auction .. (Credit Tips)

How to Lower Your Credit Card Debt

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 Manan Kumar (July 14, 2008)  Credit Card has become part of our day to day life, with so many benefits it has, it's not easy to avoid purchasing on it and avoid Credit Card Debt. But there may be various alternatives to avoid Debt. These Steps explained in detail below could be so useful that if followed with proper guidelines and directions can surely lower your Debt. It's nearly obvious that if you are an .. (Credit Tips)

Credit Repair Making Bad Credit History

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 Akhil Shahani (July 14, 2008)  As a new business owner, you'll be looking for funding from outside sources to help you get your business started. Potential sources of funding include banks, venture capitalists, friends and family, credit card advances and other lending institutions. These funding sources will want to look at your business’ credit history. Since a new business will, obviously, not have one, it .. (Credit Tips)

Credit Management Tips

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 Padmanabha Iyer (July 14, 2008)  Availing credit is quite easy. But to manage the credit and avoid falling into a debt trap is not that easy. If you avail a credit facility, for a genuine need and utilize it for that very purpose, then you are on the right track. Diversion of funds availed under credit, is a dangerous practice. It is rather slippery terrain and you could land up neck deep in trouble. Here some .. (Credit Tips)

Understanding the Credit Card Industry

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 Arunraj V.s. (July 14, 2008)  You are eligible to apply for a credit card if you are 18 years of age and have a standard source of income. In countries like US, the lenders ask the credit bureau for your credit report and run a check through your credit profile to check if you have outstanding bills, loans or mortgage on your account. They make their credit decision after going through your credit file. In .. (Credit Tips)

Building Credit For Beginners

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 Tom Tessin (July 14, 2008)  Student credit card proves helpful for students in the school and in college to build their own credit records. It teaches you to take care of financial needs. This credit card serves many advantages such as you are able to pay your bills on time, shop for school supplies and buy food items individually. This type of card offers the convenience of spending on your own. Parents too feel .. (Credit Tips)

Tips on How the Credit Card People Work and How to Get the Best Deal

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 Remy Nara (July 14, 2008)  If you want to win the credit card game, you have to take a look at the options that are out there. Whether you are choosing cash back card, gas card, business credit card or personal card, the choices are limitless. There are even special student cards designed to get students on the fast track to credit. Credit card companies are in business to make money. The way that they make .. (Credit Tips)

How to Get the Best Student Credit Card

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 Remy Nara (July 14, 2008)  Student credit cards are the best way for a young person to establish credit in his or her name. You can apply for student cards as soon as you are 18 years old as long as you are a full time student. In some cases, students can have their parents co-sign for their student credit cards so that they can establish credit in their own name with a parent co-signer. Most student cards are .. (Credit Tips)

Credit Card Debt Dangers

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 Jeff Michael (July 14, 2008)  You have to be cautious. Overspending can be an addiction, like alcoholism, drug abuse or compulsive gambling. Even though you feel that you're in control with your finances, there's a lot of temptation. Credit card companies send out millions of solicitations for cards and offer incentives to entice you to sign up. They'll send you a notice that says you're “pre-approved. " .. (Credit Tips)

5 Things That Impact Your Credit Score You Dont Even Realize!

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 Michael G Harrington (July 14, 2008)  Some basic facts that make up your credit score: 35% payment history 30% amount of $ owed 15% length of credit history 10% new credit 10% types of credit used That being said, there are some things about your credit report that you may not know that affects your score. I have compiled a list of the top 5. 1. Inaccuracies like the spelling of your name and address. Most people don't .. (Credit Tips)

How to Improve Credit Score Quickly

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 Ryan J. Taylor (July 14, 2008)  Before trying to secure a loan, red this how to improve credits score article to find out what steps you can take to quickly increase your rating so you can instantly get approved for a loan. But even if you were already denied for a loan that you need, it is not too late. There are certain steps you can take right now to remove negative items from your file. When you do that, the .. (Credit Tips)

How to Improve Credit Score on Your Own

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 Ryan J. Taylor (July 14, 2008)  One of the easiest things you can do to get approved for a bigger loan is to raise your credit score. Learn how to improve your credit score and you'll quickly be on your way to getting the car you want or the personal loan you need. It is all just a matter of learning where the credit scoring system is flawed, and then using the system to your advantage. When you realize how your .. (Credit Tips)

How Your Business Can Save Money on Gas

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 John F Smith (July 13, 2008)  The ever increasing gas prices have the biggest dent on business establishments especially those that require transportation to deliver goods and services. If you own a business, you are probably looking at doubled gas expenses compared to last year's. To lessen your gas expenses, here are some of the most practical and effective ways to save money on gas: 1. Always keep tires inflated .. (Credit Tips)

Dispute Credit Report and Erase Bad Debt

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 Ryan J. Taylor (July 13, 2008)  You can dispute credit report items and beat the credit scoring system at their own game and get lenders to approve you for any loan you need. It is by no means difficult to challenge items on your file and win, it just takes a little understanding on how to do it. The great thing is you can dispute credit report items on your own, for free, and save thousands of dollars in consulting .. (Credit Tips)

What to Do If Your Bills Go to Collection

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 Joseph M Sabol (July 13, 2008)  If you have been overextended with credit, or if you have more debt than you can pay in a month, you need to learn how to handle a debt overload to help you maintain your good credit history. Here is what you do. First, inform your creditors. Let them know there is a problem and why. Tell them what happened, for example you lost your job, became ill and cannot work, whatever the .. (Credit Tips)




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