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A Quick Guide to Third-Party Credit Card Processors
If you've ever looked into getting your own merchant account, you already know how expensive it can be. Application fees, setup fees, standard monthly fees, transaction fees... they all add up fast! It can be too much for a business that's just...
Mortgage and credit card companies under the spotlight on consumer charging
For the first time since May 1996 reports have indicated that wage increases have risen faster than house price inflation. According to Nationwide, "The overall picture remains one of a gently softening market". The signs indicate that the housing...
Rebuilding Better Credit
Today, good credit is the one constant necessity needed to
succeed in any endeavor, from starting a new business venture to
purchasing a home. Without having established prior good credit
and maintaining this status, re-establishing decent credit...
What is Credit Scoring?
Have you ever wondered what is credit scoring? Credit scoring is a system creditors use to help determine whether or not to give you credit. How does a creditor decide whether or not to grant you credit? Creditors use credit scoring systems to...
Why You May Need Credit Card Debt Consolidation
You find yourself in a situation of mounting credit card debt. You have 5 credit cards in your wallet and have been shopping more than you earn. Initially you had no problems managing your funds but it has started to snowball not too long ago. Your...
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3 Major Credit Bureaus - Which One Should I Contact?
There are 3 major credit bureaus that have information on your
regarding your credit history. Anyone that has ever applied for
a loan or credit of any kind has a file at one of the 3 major
credit bureaus. Since merchants usually report to only one of
the 3 major credit bureaus, you may have to request a free
report from all three to get an overall look at your credit
report.
To request a free credit report from either or all of the three
major credit bureaus, all you have to do is to request a free
report online. You can also send the request by mail and you
have to provide all your personal information. There are sites
that will charge you for a credit report from one of the 3 major
credit bureaus, but it is necessary for you to know that by law
you are entitled to one free credit report a year. You should
contact the credit bureau directly to get your free report.
When you do receive your credit report from the 3 major credit
bureaus there are certain sections of this report that you need
to pay particular attention to. The first section details your
name and address. You should check this to make sure that it is
correct. If there are any inaccuracies in this section, you need
to contact the credit bureau that sent the report with the
correct information.
The next section will give details of your current bills. Each
of the three major credit bureaus may contain the same
information
or one of the three may have different information
regarding your credit history depending on which merchants
report to that credit bureau. You should also note that you
might have an excellent credit record with two of the 3 major
credit bureaus and a poor rating with the other.
Check the listing of your bills, the amount of the payment and
the due date. If you have been late with a payment or missed one
altogether, this will show up on the credit report you receive
from the 3 major credit bureaus. You also need to check to see
who has been inquiring about your credit history to make sure
that no unauthorized person or company has been making inquiries
without your permission. When you see that everything is as it
should be, then you know that your information is safe with the
3 major credit bureaus. If there are any inaccuracies in the
debt information, you will need to contact the credit bureau to
start taking the necessary steps to have it corrected.
There are 3 credit bureaus and you need to know about them if
you are concerned about your credit report.
About the author:
To find out more about Credit Repair visit Peter's Website
Credit Repair Answers at http://www.credit-repair-answers.com/
and find out about Credit Bureaus and more, including Credit
Repair Services, Free Credit Reports and Online Credit Repair at
http://www.credit-repair-answers.com/credit-bureaus.html
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
www.credit.com |
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Equifax Personal Solutions: Credit Reports, Credit Scores ... |
National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
www.equifax.com |
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The FTC's web site on Credit |
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
www.ftc.gov |
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Federal Trade Commission - Consumer Credit Center |
Features an assortment of helpful articles related to credit issues. |
www.ftc.gov |
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AnnualCreditReport |
Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
www.annualcreditreport.com |
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Springboard - Non-Profit Consumer Credit Management |
Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
www.credit.org |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
www.myfico.com |
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Credit Suisse Global |
Credit Suisse Group is an international financial services group. - Shares part of SMI. |
www.credit-suisse.com |
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Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
www.experian.com |
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National Credit Union Administration - Home Page |
An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
www.ncua.gov |
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Credit - Wikipedia, the free encyclopedia |
Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
en.wikipedia.org |
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Credit (finance) - Wikipedia, the free encyclopedia |
Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
en.wikipedia.org |
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The National Foundation for Credit Counseling |
DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
www.nfcc.org |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
www.freecreditreport.com |
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Compare credit cards | apply for a credit card | 0% balance ... |
Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
www.moneysupermarket.com |
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Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
www.fordcredit.com |
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The Credit Card Prank |
In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
www.zug.com |
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Credit magazine, corporate bonds, derivatives, structured credit ... |
Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
www.creditmag.com |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
www.cuna.org |
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Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
credit.about.com |
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