Credit Information

Five Debt Negotiation Facts


These five debt negotiation facts along with a few debt reduction planning tools gives you the ability to control your own debt. For many people today credit card debt is a mounting problem and very few know how to successfully negotiate debt settlements.

Finding Reputable Credit Card Companies


You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure. What do you do?

What Are The Most Common Credit Card Mistakes?


Now in a world with so many easy to get credit cards it can be easy for someone who is a first time credit card holder, or even someone who has several credit cards in the past to make mistakes when using the card.

Credit Cards: Pros and Cons


Sure, there are a lot of problems with credit cards, but there are a lot of good things attached to them as well. For instance, if you have a small business, fleet credit cards can keep your books in order when you issue them to drivers of company vehicles for gas and automobile repairs. On the other hand, it's very easy to abuse department store credit cards. And it's easy to have too many credit cards open at once.

What To Look For In A Credit Card


When you are deciding what type of credit card to get it is important to compare credit cards to each other and find the best deal for you. There are a variety of different credit cards available, from low interest cards, cash back cards and even reward credit cards, it's hard to decide what exactly the best credit cards are.

0% Credit Cards


These days, credit cards in the UK are competing with each other on two very attractive offers with a headline rate of 0%. These 0% credit cards will be either balance transfers; introductory purchases offers or a combination of the two. This article looks at how to get the best out these types of card and the things to that the credit card companies want you to do and therefore the things to avoid. There is a school of thought that believes that these types of card will soon be a thing of the past as they cost the credit card companies too much profit, as consumers get wiser to the pitfalls.

Is Plastic Making You Happier?


If you?re like most people, you probably own at least one.

Beware the Shopping Mall Monster


Like me, you?ve probably been offered a fair old number of these by now...

What is Credit Card and Debit Card Blocking?


Have you ever been told you were over your credit card limit, or had your debit card declined, even though you knew you had available credit or money in your bank account? If this happened shortly after you stayed in a hotel or rented a car, the problem could have been card "blocking."

Learning the Disturbing Facts about Credit Card Debt


When I received my first credit card in the mail at age 18 I was ecstatic, I said to myself, wow now I?m getting somewhere in life. This credit card company thinks I?m worthy of 500 dollars in credit. So I made my monthly payments like a good consumer and watched my credit limit grow. I thought boy this company must think alot of me to take such a risk. I however had no idea how the money came into existence. All I cared about was that as long as when I slapped the plastic down I was approved. Like most young people I had no idea what an interest rate even was much less how it effected my monthly payments. I was like a lot of kids in America today, my parents were not a big part of my early adult life and so I really didn?t have much guidance when it came to making financial decisions. The lessons I learned were hard and I continue to learn as each day passes.

Credit Report ? How to Improve Your Credit Score


One of the great mysteries of life is how the three major credit bureaus (Experian, Equifax, and Trans Union) score credit. They all have secret statistical formulas for determining your credit score, but they are unwilling to divulge exactly what, exactly, constitutes your score. This can make it difficult for people with problem credit to try to improve their score in hopes of obtaining a home or car loan later.

Protect Yourself Against Identity Theft


Identity theft is when someone uses, without permission, your personal information in order to commit any frauds or crimes. Identity theft is a felony that is becoming more and more common. That is because some of us are not very careful with personal information, making the job easier for those trying to steel our identity. We should always be careful with information like Social Security number, credit card number, birth date, employment information, driver's license number, etc., because if they enter into the wrong hands the consequences can be very serious. People that have experienced identity theft spend months trying to repair what others have damaged, and in the meantime they cannot get a loan or lose a job opportunity or, sometimes, they can get arrested for something they didn't do.

Fight Credit Card Fraud with Common Sense


By now, you have undoubtedly heard of credit card fraud, an alarming and damaging trend that is sweeping the country. Here's the bad news: It is disturbingly easy for thieves to obtain your credit card number?-usually from discarded receipts or even directly from you. For instance, many solicitors masquerade as legitimate businesspeople--like those who offer vacation packages, for instance--when, in fact, they're looking for you to innocently hand over your credit card number so they can rack up illegal charges.

Rewards Cards: Are They Worth It?


Virtually all consumers will have a credit card at some point in their lives. Is this an understatement? Probably, as most consumers carry multiple credit cards. Selecting a credit card should not be something taken lightly; card companies are constantly looking for new consumers, but only after wisely comparing offers should you select a provider. Pick a company that will give to you a reasonable rate and one that incentivizes their program with some type of reward for using their card.

Credit Card Shocker


Have you ever looked at your credit card statement? I?m not talking about just making sure that all the transactions are correct. I?m talking about looking at the finance charges. I daresay that sometimes that figure is almost as great as the minimum monthly payment you?re making. After all, as long as you can keep the creditors at bay by paying the minimum, that?s all you care about, right? If you agreed, I urge you to reconsider.

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