Credit Information

10 Tips To Prevent Credit Card Fraud


Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made.

How To Save Money On Credit Cards


Some credit cards offer a cash advance option. But how good a deal is this?

The Three Largest Factors In Your Interest Rate


There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration.

How To Choose A Credit Card


Your credit score may just be a little number, but it packs a big punch. A poor credit score can keep you from getting a mortgage or a car loan. In addition, your credit score may haunt you for a long time if it suddenly drops. Of course, if you have a good credit score it opens a lot of doors for you. This is just one reason why it is important to think about which credit card you apply for before you do.

The Advantages of Credit Cards


There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct. Even better, you don't have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated.

Credit Card Companies Are Out for Your Money


You're probably thinking "Tell me something I don't know" but in this time of low interest rates you might be thinking that you've got a great deal since credit card interest rates are low. Wrong. Credit card companies have a cutoff as to how low their interest rates will go.

Avoiding Credit Card Traps


The next time you open your credit card statement, take a closer look at the small insert titled ?changes to your credit card agreement?. You know the one I?m speaking about. It?s that small, folded paper written in legalese that you promise to read some other time (but of course that time never comes) or you just discard it with the other ?junk? inserts.

Tips For Getting Your First Credit Card


Most of us get a credit card on our name when we go to college or when we are in our senior years of high school and all of us stumble into the same types of difficulties when it comes to finding an issuer and managing the credit card. Most banks ask for a prior type of credit history that most of the time lacks and for some type of warranty that we will be good payers. It is true, finding the right issuer and building a credit card history is not easy, but it can be done.

Keep Your Credit History Clean - Remove A Negative Credit Record From Credit Report


The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you.

Minimize your Risk for Identity Theft


Identity theft is the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million in 2003. These crimes are estimated to have taken the average victim $500 and 30 hours to resolve.

Do you Know the Benefits of Checking your Credit Report?


Do you know why you should check your credit report?

Identity Theft Exploding: Here?s How You Can Avoid Becoming A Victim


Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems.

Building Your Credit History


Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit without having a good credit history. So, it is important to start building your credit history when you're young.

Credit Report Disaster Through Mistaken Identity


I've got some very important info I want you to think very seriously about. I'm sure by now you've heard of Identity Theft,...heck you may have even been affected by it. I know many of my friends have.

Credit Repair Myths and Facts


There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary. Negative items can be removed from your credit report and you can do it yourself. One does not need a credit repair ?expert? or ?law firm? to do it either. While the credit world can seem complex to the average individual, the basics are really simple once you know them.

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