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Articles about or concerning Credit, Credit Cards, Credit Scores, Credit Reports, Credit Damage, Credit History, Credit Rating, Credit Bureaus, Credit Fraud, Credit Services, Credit Building.
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How To Avoid Having A Lower Credit Score Than You Should Have

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 Jon Arnold (June 25, 2007)  Many people today, especially recently graduated college students, are discovering exactly how much debt they really have and are taking steps to correct that. The process does not happen overnight, but you need to be concerned about what all this credit has on your credit score. Your credit score is a number computed by the credit bureaus. There are three major credit bureaus, and .. (Credit)

Bad Credit Repair Services

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 Zach Ford (June 25, 2007)  Bad things happen to good people, and, unfortunately, these things sometimes effect your credit report. A low credit score can seriously reduce your eligibility to receive a loan, credit card, or a good interest rate. Trying to fix your credit report on your own can often feel impossible, leaving you fed up, feeling hopeless, and asking the question: “Isn't there anyone out there .. (Credit)

How to Read a Free Credit Report

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 Zach Ford (June 25, 2007)  So you have made the important decision of obtaining a credit report from a credit agency, good for you! You have made a very wise financial decision, and now you are about to make yet another, you're going to learn how to read it, you're on a roll. Learning how to read your free credit report is vital in making the most of the supplied credit information and figuring out where your .. (Credit)

How to get a Free Online Credit Check

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 Zach Ford (June 25, 2007)  Knowing your credit score can save you from the embarrassment of being declined for that loan, car lease, or mortgage, as well save you thousands of dollars. So how do you find out your credit score for free? Read on to find out! What Exactly is a Credit Report? A credit report consists of a detailed list of your credit history maintained by one of three main US credit reporting .. (Credit)

Beware Of Bad Credit Card Debt Help

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 Andrina James (June 24, 2007)  Credit card debt help is extremely necessary. However, bad credit card debt help can exacerbate the situation of bad finances manifold. You ought to be constantly on your guard when you go looking for financial firms for debt related assistance. Credit card debt help is provided by most financial firms but only some of those financial firms are completely trustworthy. If you make the .. (Credit)

Identify and Avoid Phishing Credit Card Scams

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 Matthew Lloyd (June 22, 2007)  "Phishing" pronounced “fishing" occurs when spurious sites or emails capture your credit card or bank account details. Emails are sophisticated, and sites look genuine so it’s very difficult, almost impossible, to catch phishing. So see if these tips help you avoid getting caught in a phishing scam. Phishing Scams ask for your Username / Passwords Banks will almost never .. (Credit)

Make Sure You Get A Low APR Credit Card

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 Art Taylor (June 22, 2007)  The APR is likely the single most important factor for determining which credit card is the right one for any given person. The amount of APR that you may have to pay on your credit card could save, or cost you a lot of money. Low APR credit cards are those with a low annual percentage rate, which is the amount of interest that will be paid on your credit card loan. Don't pay too much .. (Credit)

Credit Counseling and Your Credit

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 Frank Bruno (June 21, 2007)  The way they get paid is through “donations” from your creditors. They negotiate with all of your creditors to lower your interest rates and payments. You pay the counselor the sum of your creditors’ payments. They send the payments to the creditors. In exchange, the creditors pay the counselor a donation. Sounds like a good deal, right? Before committing to such a .. (Credit)

Buying a Car With Bad Credit - The Top 3 Scams

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 Keith Londrie (June 21, 2007)  If you have bad credit and want to buy a new car you haven’t got a lot of financing options. For that reason you are likely to look for a car dealer that can provide the money required for the new car. Car dealer loans are not that bad, however it is more likely to have unfavorable terms. Another problem is that there are some car dealers that will try to cheat you. Here are the .. (Credit)

Let's Stop Paying Annual Credit Card Fees

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 Art Taylor (June 20, 2007)  No annual fee credit cards offer some of the best credit card deals around. Plus, you should know, when you examine credit cards online you'll discover that nowadays the best credit cards with no annual fees are widely available whatever your credit history is and most credit cards with no annual fee are instant approval credit cards. Credit car companies use the annual fee to make up .. (Credit)

The Highlights of Cash Back Credit Cards

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 Mary Wise (June 20, 2007)  The features of cash back credit cards are what make them so popular. Instead of providing a particular reward, they give you the opportunity to choose yours and not among a set of pre-defined options like other reward programs do. Since the cash back part of these financial products is a reward program it may seem as there are no advantages and disadvantages to consider. However, .. (Credit)

Don't Let Yourself Expose Identify Theft

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 Cornie Herring (June 19, 2007)  Your credit history refers to your past history of borrowing money, repaying that money, your employment history, bill payment history, and other factors. Your credit history become an important consideration factor when you apply for credit; hence, maintaining a good credit history is essential for you to get the best deal when you are apply for a credit. Every year, there are hundred . (Credit)

Managing Your Money

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 Kelly Liyakasa (June 18, 2007)  With an effervescent consumer culture marked by excessive credit card use, it is necessary to weed out the truths in managing your money. Your financial assets may not be in hot water at this time, but many Americans are finding themselves strapped for cash, downright broke or in serious debt. There are many steps to take in navigating most everyone’s goal of perfect credit. Low .. (Credit)

Cash Gift Cards - Lazy Man's Option?

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 Charley Hwang (June 16, 2007)  Cash gift cards were formerly referred to as the “lazy man’s choice”. It was a way for people to avoid looking for specific gifts since giving gift cards would allow the recipient to make the choice themselves. However, cash gift cards have enjoyed an increase in fame, with more people choosing them. Hectic lifestyles may be to blame. The combination of having no time . (Credit)

Credit Cards with Rewards JP Chase

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 Matt Bush (June 16, 2007)  JP Chase can be considered one of the pioneers of the modern bank credit card industry, when it issued its first credit card in 1958 along with the Bank of America. It continues to be a strong credit card issuer, and has introduced a few innovations of its own into the industry. Over the past couple of months, JP Chase reaffirmed its commitment to establish a strong presence in the .. (Credit)

Buying a Car with Bad Credit - Bank or Dealer Financing?

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 Keith Londrie (June 16, 2007)  So you want or need a new car but you have done some mistakes in the past that has led to a bad credit history? This is quite unfortunate but not an obstacle that you can't cope with. Many people experience difficulties when looking for a new car deal just because they have bankrupted before or simply have made more mistakes with their credit card usage or home mortgage repayment fees. .. (Credit)

Improving Your Standing On the Credit Score Range

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 Dean Iggo (June 15, 2007)  If you've ever fallen a couple of payments behind on your Penny's charge or maxed out your Clout Visa, chances are you've encountered phone calls with unfamiliar voices on the other end calling you by your first name. Your credit score's average is off the charts, mostly because there's no rating of -245 isn't in the 300-850 credit score range. Of course, since you're indebted to them .. (Credit)

Credit Card Application in Canada

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 Mario JR Churchill (June 15, 2007)  There are various credit card providers to select from in Canada. As long as you have good credit, getting the appropriate credit card provide is no difficult task. In fact, financial organizations and banks make the whole process easy for you. By doing the application online, Canadians find it quite convenient. There are a number of leading financial service banks and providers that .. (Credit)

What is a FICO Score?

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 Ken Wilssens (June 15, 2007)  FICO Score A FICO score is in reality a credit score and can tell if you can receive a credit card or not. If you are eligible it can determine how much of a limit you can have on your credit card. This score can carry a lot of impact on your future borrowing and can be disastrous in some cases. The information is collected in your credit report and creditors can use this to determine .. (Credit)

The Pros And Cons Of Prepaid Credit Cards

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 Richard Gilliland (June 15, 2007)  Observers in the lending industry have estimated that there may be at least 50 million Americans who are not able to qualify for credit. These consumers are usually young, often members of the minority groups and unbanked…and they are faced with the long-standing dilemma of credit: how can I build my credit record if no one will give me any credit at all? One of the answers offered by . (Credit)

Are Your Revolving Accounts Lowering Your Credit Scores?

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 Stephen Snyder (June 15, 2007)  One of the most important ways to achieve and maintain excellent FICO credit scores is to carefully manage your revolving credit. When I say, “revolving credit, " I'm referring to any credit account you have where the monthly payment can vary. Credit cards are the most common form of revolving credit. Of course, “revolving credit" refers to almost everything in your wallet . (Credit)

Eco-Friendly Credit Cards - Ethical Opportunity Or Cash Cow For Banks?

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 Caroline Poynton (June 15, 2007)  In a capitalist market seemingly obsessed with profit, the green bandwagon suddenly appears rather ironically overloaded with corporates. Whether it be big brand retailers, such as Tesco, or technology giants, such as BSkyB, business now seems intent on winning the hearts and pockets of the environmentally-conscious consumer. Financial-services firms are the latest businesses to show a . (Credit)

10 Important Questions To Ask The Credit Card Agents To Find The Right Credit Card - Part-II

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 Duran Mueller (June 15, 2007)  In the first part of this series we talked about five important questions that should be asked to your credit card agent. Revising the concept we find that asking about the various APR's, fees, credit limits, credit card acceptance and additional benefits that come with the credit card definitely help. Now, let start with the other five most important questions to ask. 6. What are the .. (Credit)

10 Important Questions To Ask The Credit Card Agents To Find The Right Credit Card - Part-I

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 Duran Mueller (June 14, 2007)  Applying for a credit card is becoming increasingly complex day by day. Though the online application form looks simple but there is lot more than filling out the basic information to get the best deal on credit card. What are the questions you should ask the credit card company or agent to achieve your goal? In this two part series we take a look at the first five questions. The second . (Credit)

Do You Know Why Your Bank is Charging You a Fee on Things?

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 Steven Turner (June 13, 2007)  Did you realize that last year close to 30% of credit card company revenue was due to fees that the cards charge for transactions, late payments, breaking that all important limit and balance transfers! When you think about how much these companies make each year that is a massive figure. These fees are there so that the card is free to you, as in you don't pay a fee every year to have . (Credit)

10 Ways How Student Credit Card Debt Can Turn Your College Life Into Hell

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 Duran Mueller (June 13, 2007)  Are you taking your student credit card debt lightly? The following points show how seriously it can damage your student life. Take a look and get serious about that student credit card debt. Credit card debt affects the studies seriously. Lack of concentration, focusing on excessive debts can lead to lower scores and GPA. Lack of proper attention to studies, lower GPA's, increased .. (Credit)

Bad Credit No Money Down Loans - Help Within Reach

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 Rony Walker (June 13, 2007)  There's no place like home, and no one believes this mantra more than Americans. In fact, three out of four Americans dream of residing in homes that they own. Furthermore, a very dramatic change has taken place in the United States. Today, for the first time in American history, homeowners now outnumber renters. What is causing this national craze over homes? The answer is .. (Credit)

Online Credit Card Processing Services - What To Look For

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 Sara K (June 12, 2007)  A good credit card processor will offer an accommodating service and will allow you to process your transactions faster and at a better rate. Make sure that the average approval rate of the processor is good before applying. However if your merchant account provider is offering you online credit card processing services than you do not have to worry about such details. Low monthly fee .. (Credit)

Online Credit Card Processing Services - Why Your Business Needs It

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 Sara K (June 12, 2007)  Payment processing is the major reason for any e-commerce business to get a merchant account. Merchant accounts enable your business to receive credit card payments online and become capable of providing your customers with several payment processing options. Online credit card processing not only enables you to boost sales but also saves you a lot of hassle along with offering you .. (Credit)

Do You Need a Small Business Credit Card?

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 Max Anderson (June 11, 2007)  So you've recently started a business and you're wondering if you should apply for a small business credit card. . . Whether or not you need (or are even ready for) a small business credit card can be a big decision. Make sure you make the right one by asking yourself these four questions. 1. How Old Is Your Business? When considering whether or not to apply for a small business credit . (Credit)

How To Rebuild Bad Credit

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 Jon Arnold (June 11, 2007)  Sometimes it seems as though if you go through a tough period in your time, at least in the eyes of the credit card companies, you are toast. It seems almost impossible to get a new credit card. The problem is multiple things, one of the biggest of which is that there are three major credit bureaus that blatantly advertise the fact that you fell behind on your payments a few years back. . (Credit)

Bad Credit Credit Cards Are Not Bad At All

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 Art Taylor (June 10, 2007)  Bad credit history may greatly affect your future credit card applications, at least for the next seven years down the road. We know that bad credit does not just target the lazy person, it holds no discrimination as to whom it will target and it will not. Plus, many of us understand bad credit can sometimes feel like the end of the world, but it does not have to be. With bad credit, .. (Credit)

Low Interest Rate Credit Cards- Start Saving Today

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 Ed Vegliante (June 10, 2007)  If you carry an outstanding balance on your credit card, you’re not alone. Nearly 70% of Americans keep a balance on one of their credit cards from month to month. And many of these cards have sky-high rates, which add up to hefty amounts in interest expense. By switching to a low interest rate credit card, you can save hundreds of dollars in interest. Starting with great .. (Credit)

Finding the Best Prepaid Debit Card

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 Sam Donaldson (June 10, 2007)  Looking for the best debit credit card from Visa or MasterCard online is not an easy task these days as it has been compared to not being able to see the forrest for the trees. There are so many offers and tons of different providers. Like with rewards credit cards, it might be a good idea to select a card that you can actually acquire some sort of money saving advantage and/or rewards. . (Credit)

0 Interest Rate Credit Card - Credit Card Types

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 Gregory Mamnya (June 09, 2007)  Credit cards can truly be considered as an integral component of modern society. It is the fastest, easiest and most comfortable way of making the right purchase, no matter large or small not carrying a lot of cash with you. With your credit card in your hand, you make the bank pay for your purchase and you return the loan in monthly installments on the balance. The types of obtainable .. (Credit)

Adding Trade Lines To Immediately & Safely Increase Credit Scores

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 Patrick Zanders (June 09, 2007)  One of the most powerful ways to increase your credit score is to add seasoned trade lines to your credit report. For years, this strategy has been known as shadowing or mirroring. As of late, it has become big business both on and off the net. The technique of adding seasoned trade lines consists of having a person with a revolving line of credit (credit card) add you as a personal .. (Credit)

Online Credit Card Quote - Raise The Limit Of Your Pocket

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 Apurva Shree (June 09, 2007)  You can use an online credit card quote to get hold of a credit card very easily. However, do you know the implications of owning a credit card? If not, it is possible that you will need a credit card debt consolidation quote very soon as well. A credit card makes it very convenient to purchase almost everything in our everyday lives. Clothes, jewelry, electronics, groceries and more .. (Credit)

Choosing a Credit Card- How To Choose The Best Offer

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 Ed Vegliante (June 09, 2007)  Credit cards offer plenty of benefits and convenience. And these days, there are cards for everyone. With so much variety, choosing a credit card can quickly turn into a daunting task. But it doesn’t have to be. By reviewing your needs, you can easily match a credit card to your lifestyle. Here are three things to consider as you choose a credit card. Check the Interest Rate .. (Credit)

7 Essential Things To Watch Before You Apply For A Credit Card

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 Cynthia Stewart (June 09, 2007)  Credit cards are an important means of establishing credit history. Using them responsibly, controlling your spending habits and not misusing them will always help the cause. Here are few things to keep in mind before you apply for a credit card. It is always better to use a credit card which is issued in your name. The simple reason being, it helps establish credit history for you. .. (Credit)




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