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Bad Credit Home Equity Loans
A home equity loan allows you to borrow against the equity you have built in your house. Even if you have no equity, you may be able to borrow up to 125% of the value of your home. You can use the extra cash to consolidate bills, fund college...
Cooperation Credit Repair
When you are trying to get out of debt, you will need
cooperation from others as well as your self. If both of the
sources are hard headed, I promise you your credit repair scheme
will probably not work. Debt is an everyday part of life and...
Disputing Credit Reports--What You Need to Know
Provided by http://www.nationalcreditrepair.info
Managing credit often becomes complicated when details are lost,
confused, unknown or when there are disputes on personal credit
reports. Many times there will be errors with purchases...
How to Reduce (or Eliminate) Credit Card Debt With Balance Transfer Offers
Of course, The best way to get out of debt is not to get into it in the first place - in other words, pay off your credit cards fully every month. This is really the only way to be debt-free, enabling you to avoid interest and finance charges. None...
Mortgage Loans For People With Adverse Credit - How Much Should You Borrow
"How much should you borrow?" is a question people with adverse credit wrestle with. The answer is simply as much as you can afford. This is probably less than what you will qualify to borrow from a mortgage lender. To determine what you can afford,...
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Alternatives to Credit Cards
Are you one of those people who only ever got a credit card for
the convenience of being able to pay without cash, or because
you weren't aware of any other easy way to borrow money?
Millions of us are, thanks to the unavoidable advertising of the
credit card industry, and few people realise just how many
alternatives to credit cards there are. Let's take a look at a
few.
Debit Cards.
Debit cards are often used in many European countries, but are
relatively unheard of elsewhere. Basically, they're just like
credit cards and are accepted everywhere credit cards are
accepted - the only difference is that they take any money you
spend directly from your bank account, instead of you getting a
bill at the end of the month. You should be aware,though, that
you aren't as well-protected from fraud with a debit card as you
would be with a credit card.
Pre-Paid Credit Cards.
These are cards that work just like credit cards, except that
you can't have a negative balance - you have to put money on the
card before you can spend it. That means that you 'top-up' the
card, like you would a mobile phone. This is good if you want to
know how much you're spending, not to mention that you can even
give the cards to children. They're also safer than debit cards,
since someone who stole the card could only spend whatever money
was on it at the time.
Bank Overdrafts.
A good bank overdraft, used together with a credit card, can be
a far better way of borrowing money than using a credit card.
Your overdraft limit is set
by the bank according to how much
you gets paid into your account each month, and you don't need
to pay it off until you want to.
Basically, it just gives your account the facility to go into
minus numbers, if you want it to. Many banks charge relatively
high interest rates for overdrafts, but rarely as high as a
credit card - and they will give much better rates for good
customers.
Real Loans.
When you're buying one big thing at a fixed price (like a car),
or you're going to spend all the money on one type of thing
(home improvements, for example), it's worth budgeting it all
out and going to a bank or another loan company. They'll be able
to lend you the money at a much better rate than a credit card
would, simply because they know why you're taking the loan and
can set regular monthly payments for you to repay it.
Credit Unions.
Credit unions are like banks, only more local. They are
co-operative, owned by their members and run by the community,
and are a great place to borrow money. This is because there are
limits in law on how much interest credit unions can charge, and
they don't need to make a profit for owners or shareholders,
because they don't have any. It's well worth checking if there's
one in your area.
About the author:
Gordon Goh is the owner of www.Easy-Credit-Card-Guide.com
offering free credit card information for everyone. You can
receive a free credit card at
http://www.easy-credt-card-guide.com and free Credt Debt Repair
Guide at http://credit-debt-repair.cogia.net
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| Credit Reports - Credit Cards - Car Loans - Home Loans - 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 ... |
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| The FTC's web site on Credit |
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| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
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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. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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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 |
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| 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 ... |
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| The Credit Card Prank |
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| 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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