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Debt consolidation – Options for Reducing Credit Card Costs
Americans are using credit cards more than at any time in history, and credit card companies are reaping record profits. One of the reasons that the credit card industry is so profitable is that so many of us use our credit cards unwisely. If you...
Different Credit Card Terms
Although everyone knows what a credit card is, recent studies
show that almost thirty per cent of credit card users asked
didn't know the meaning of several terms related to credit cards.
This small glossary aims to reduce this percentage by...
Escaping Late Fee charges on your Credit Card
It's a little known fact that late fees account for an IMMENSE proportion of credit card companies' profits, as much as 30% in the case of some lenders! You may never have encountered a 'late fee' before, but if you use a credit card, you probably...
How Much Is Your Credit Card Really Costing You?
Most people do not give much thought to how much the use of credit cards really costs. While you may think you are aware of the costs of credit, there are many hidden fees and charges that often go unnoticed by consumers until it is too late. If you...
Play the Credit Card Game and WIN
Credit cards are fast becoming a blight on the American economy,
but they also help stimulate growth. The problem comes when
users are forced to (or voluntarily) overspend and begin the
never ending cycle of paying less than the full balance on...
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Bad Credit Repair
Building your credit after repeated interruptions is a constant
headache we all want to avoid. In this article I am going to
break it on down for you, since there are many sources that will
take full advantage of you when the opportunity arise. If you
feel bad simply because you can't meet your bills expectations
at the moment they arrive, then you are not alone.
The fact is, even the best of us are struggling to meet some
expectation that the system has placed on us. We calculate
weekly the amount we spend on groceries, which are constantly
increasing, as well as other bills that are constantly on the
rise. It seems at times it is a no win situation, but the fact
is there is always a solution to most problems. The problem most
times is some of us do not have the means to find those
solutions. This brings forth more stress and often we feel that
we are alone. If you trying to build your credit status you need
to find the resources that can help you get results. The
marketplace offers credit repair kits, which can lead us in the
right direction to repairing credit, but the disadvantage is
that many of the kits are expensive. Let's face it, not everyone
has the money to spend on commodities that claim to help us.
Some of us struggle harder than others just to survive.
Life is forever changing and in order to keep up with the
changes we all have to find a solution. Therefore, I am going to
tell you where you can get a free credit repair kit. Your local
library stores a wealth of information and it is free to the
public. In most libraries that have credit repair kits, credit
repair books, or debt management solution books. Anything you
want at your disposal and it is all free information. The
library also has copy and fax machines often, and if you notice
in the credit repair guide or kit, it will have copies of the
letters you can write to your creditors. Make yourself some
copies and once you fill them out as instructed, you are on your
way to repairing your credit.
The library also has guides or kits for filing bankruptcy. If
you do not see a way out, then you may want to go this route. In
most cases, you can do a Pro Bono Bankruptcy, which means you
will represent yourself in the courtroom. I just wanted to let
you know that if you file a Chapter 7 Bankruptcy, you will have
monthly installments to make, but if you file Chapter 13
Bankruptcy then the courts wipe out all your debts. The problem
is that bankruptcies remain on credit files for up to ten years
or longer.
If you can avoid bankruptcy do so, however it is not the end of
the world if you do. I know people personally that filed
bankruptcy and was able to get loans for mortgage, cars and so
on. If you know what you are, doing you can do anything no
matter how bad your situation is. Avoid Debt Consolidation,
simply because it is means you will be paying fees and costs to
others to get out of debt, which only adds up the bills. You
might want to consider a Debt Counselor from a respected
organization. It makes sense to check out any business first
before spending money or asking for services.
The BBB offers free information on organizations, businesses
and corporations. Once you have investigated the service then
you will know if the people are really trying to help you. Any
service that tells you they can get you out of debt in no time
at all is pulling your leg. The fact is even when you pay your
bills your credit will continue to list all the bad debts, it
will only say after the debt listed...Resolved. Finally message
while I am thinking about it. It is important to get copies of
your credit reports from TransUnion, Equifax, and Experian. You
can find any information you need online. Knowing your status in
life is the beginning of repairing bad credit.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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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 ... |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
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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 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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