Credit Information

Annual Credit Report and Free Annual Credit Report


Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of their personal credit reports. An annual credit report is available from each of these bureaus.

Credit Report ? Watch Out for Parking Tickets


The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function. Many government agencies at the state and local levels have turned over debt collection to collection agencies, even for such seemingly small debts as parking tickets or library fines. What does this mean? An unpaid parking ticket could end upon on your credit report.

Repair Your Credit - The Right Way!


How to Repair a Bad Credit Rating?The Right Way!

The Art of Stoozing to Make Money from Credit Cards


Make Money from Stoozing

The FICO Score Misconceptions


There are many misconceptions about credit scores out there. There are borrowers who believe that they don?t have a credit score. There are others who think that their credit scores don?t really matter. These sorts of misconceptions can hurt your chances of gaining employment, obtaining preferred interest rates, and even your chances of qualifying for renting an apartment.

Online Credit Report and Online Credit Reports


Online credit reports are easily accessible to those interested in viewing them. If you have wondered about what kind of credit score you have, you can go on the Internet and look at your online credit report. Most people are concerned that they have good credit and a solid standing with where they are financially. This is an important factor because it pretty much makes or breaks someone's ability to get a loan for something they may need later on down the road. Your online credit report is an encompassing reality of who you are as a spender-it can show literally every part of your financial history to date.

Important Things to Know About Divorce and Credit


Joint debts remain joint debts.

Choosing the Right Credit Counseling Agency for You ? Some Tips Part 2


Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national credit counseling organization there are some very important factors to calculate before choosing the right credit counseling option for you. Here is a list of questions for you to ask a credit counseling company before determining whether or not you should participate with their organization.

Bad Credit Loans For Those Who Seek Alternatives for New or Old Car


You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders.

Opting For A Credit Card? Check Out Certain Terms


You?ve just received a "pre-approved" credit card offer in your mail. Without wasting a minute you?re ready to accept it, especially if it?s the "before-the-offer-expires? one. Wait! Don?t be in a hurry. Shop around a little and then make your decision about that credit card.

Teaching Students To Keep Out Of Credit Card Debt - The Parents Role


Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect themselves from harm. In fact, up until the time that child is an adult, the parents have responsibilities in every part of that child's life, right up until the time they are a college student.

How To Get Out Of Credit Card Debt


If you?re like the average person, let me warn you ahead of time about what I?m going to reveal in the next few paragraphs. You may be angry after you finish reading this article about how you?ve been misled in the use of credit card debt.

Is Your Credit Score Being Held Against You?


Credit Scores That Hurt

Learn About Prepaid Credit Card


Prepaid credit cards also called stored value card can be ideal for individuals who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who have a hard time controlling their spending and prevent the individual from overspending and getting into credit card debt. If your objective is to establish or rebuild you credit over a period of time, make sure the prepaid card issuer reports cardholder transactions to the credit bureaus namely Experian, Equifax, and Trans Union.

Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards


Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit. Therefore the company giving you the secured credit card has zero risk.

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