Credit Information

How to Improve Your Credit Rating


So you got into debt, had problems but you got yourself back on your feet through hard work and sacrifice and how are you rewarded? A Bad Credit Rating.

Commercial Collections And Credit Granting


It is estimated that billions of dollars in delinquent commercial credit is currently being carried on the books of both American and international businesses. This figure changes as our economy grows or contracts. Increased competition, diversification of product lines seem to indicate that these figures will continue to move upward. Regardless of the state of either the national or international economy, the necessity to grant credit and to collect commercial receivables using professional methods remains vital to all businesses.

Credit Score - Reporting Your Financial Health


Credit score is one of the most basic, determining factor while loan borrowing. Credit score is the criterion for the creditor to ascertain whether to give you credit or not. Credit score is a powerful tool, if you what it is. Credit score is a three digit number which is consequential enough to decide whether you can own a house or a car and has considerable influence on how much your pay on your credit, insurance and other necessities of life.

Credit and Its Cost


What is Credit?Credit is money granted by a lender (or creditor) to a debtor (or borrower) whereby the lender defers receiving payment of the debt for a period. In exchange for the credit allowed, the lender will get back the money lent plus interest. The borrower has use of the money immediately, rather than waiting until the money required is saved up.

Dealing With and Repairing Bad Credit


Bad credit can be a burden for otherwise good credit. It may not seem fair at times that financial mistakes in the past can haunt you in the present, but with a little bit of work and some time bad credit can be turned around and repaired.

Good vs. Bad Credit Debt


Do you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation.

Credit Card Incentives


Credit card companies want your business. After all, lending money to people is profitable. Besides the interest fees that you'll be charged, the credit card company also collects a fee from merchants who accept their credit cards. In order to get your business, most credit card companies are willing to offer you some great incentives - not only to apply for one of their cards, but to use it for everything from car rentals to weekly groceries.

Taking Control of Your Credit History


Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account. Payments such as the electric company, a rental agreement, a cell phone, a car payment or a low-rate credit card which you also have a responsibility to repay are not reported to the credit bureaus as a part of your credit history. They can, nonetheless, be important in your financial history.

Credit Card Security Advice


Which of the following is the biggest threat to your credit card security?

Five Credit Card Billing Problems and How to Fix Them


It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it. If you do run into inaccuracies or problems, there are procedures to follow to report and deal with the charges. If you don't follow the procedure and the card company decides to notify a credit reporting agency, it could affect far more than just your balance on that one credit card.

Why Consumers Need a Nationwide Credit Freeze NOW


What do a shoe retailer, an online discount broker, and a popular clothing retailer all have in common? All three - DSW Shoe Warehouse, Ameritrade, and Polo Ralph Lauren - sustained breaches to their customers? accounts. Unfortunately, these three are not alone when it comes to security breaches. CitiFinancial, Bank of America, LexisNexis and other companies have also experienced similar events.

The Credit Card Surprise That You Need to Look Out For


Companies that issue credit cards want to make a profit. No one disagrees with that. The problem is that, we as consumers have, is when they have hide or disguise what it really cost for you to use a card.

Why Credit Cards are a Bad Idea


Credit cards are just so convenient, aren?t they? There?s no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven?t been paid yet, then you don?t need to worry, because the money will still be there.

How Your Credit Rating Affects You, and How to Check It


You might not know it, but every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit reference agencies are Experian, Equifax and Trans Union. They will provide your credit rating to any company that is thinking of lending you money.

Finding the Right Credit Card


There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you?ve seen? Take this little quiz to find out what you should look for in a card.

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