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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. Impossible? Credit card fraud on the rise, so you need to treat your card and...
100% Financing Or No Down Payment & Bad Credit Mortgage Loans
Sub-prime lenders now offer financing packages with zero down.
Interest rates are higher on these types of loans, but they make
purchasing a house easier. And unlike a conventional loan, there
is no private mortgage insurance required. There are...
Benefits of an air mile credit card
An air mile credit card allows you to earn points, which you can redeem towards your travel expenses. An air mile credit card can help you get a free ticket. If you are a frequent flyer, you can use those miles to build your reward points quickly...
How to Save Money on Credit Cards
Holiday shopping overloaded your credit cards? Worried about the
finance charges you'll soon start paying? Fortunately, you can
use a bunch of different tactics to save money on credit cards.
Some suggestions follow:
Leave Home without It...
Watch Your Credit Cards Or End Up With Bad Credit
If you are not careful with your spending on your credit cards
you could find yourself with bad credit. It is not a good idea
to let yourself develop bad credit these days as it is getting
more and more common for others to check your credit...
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Building Credit Repair
Building credit is more important now than it has ever been. If
you have bad credit, it is often hard to get an apartment, a
loan for a home, or any form of credit loans at all. Likewise,
if you have no credit at all, it is often difficult to get a
loan from most banks. Therefore, it is essential that you credit
rating is secure.
There are several ways to build credit, as well as repairing
credit. Generally, if you are repairing your credit it takes
around six months before most banks will allow an individual to
apply for a loan. Another method is to apply for credit cards
that offer no annual fees. Also, make sure the cards have low
interest rates, since you do not want to get in further over
your head. Once you fill out the application for a credit card,
your credit will be checked, which provides you the advantage of
getting all three of your credit reports free.
Secured cards are generally for those who are seeking a solution
to lower their bills, and are more suitable for those with good
credit ratings. However, there are secured credit cards for
those seeking to repair their credit. Cards with 0% fraud
protection insurance are great for those with bad credit, since
it offers an additional security for repair. Anytime you own a
credit card, it is subject to falling in the wrong hands. If you
are building credit then cards are great also, since it offers
you a means to increase your rate.
We all need currency to survive, and sometimes when the funds
are low, a helping hand comes in handy. Once you apply for a
credit card be sure to meet your monthly installments to avoid
boost your credit rating, and avoid depleting your rate. The
goal is to build or repair your credit so making the payments
can only bring forth rewards. If you are applying for an
un-secure credit card be carefully since some represent trouble.
Be sure to check out the Better Business Bureau (BBB) at the
onset before applying for some credit cards, since some will
charge a steep upfront fee. Upfront fees on credit cards
often
mean that the company is fraudulent. Remember, you are building
credit or repairing your credit rating, not trying to get deeper
in debt.
Credit Reports
Credit reports are documents that store pertinent information
about your credit history. If you have a bad credit rating and
apply for a loan the lenders, will request copies of your credit
report? Once they see that your credit is low, you will probably
get a "sorry, we can't help.' It is important to keep your
credit rating high, since this is the solution for getting what
you want in life. Otherwise, you are going to be out in left
field trying to find a solution to survive. Once you apply for a
loan and get your credit reports free, be sure to scope out the
report carefully to see where the problems rest. If you notice
any charges on your credit, report that looks suspicious be sure
to apply for an application to dispute the charge.
If you dispute the charges, you are taking charge of your
credit, building your future, and repairing the issues at the
same time. If you notice any charges that may have been
overlooked when the bills came, be sure to take care of the
charges right away. It takes a few minutes to mess up a life,
but it takes a lifetime to restore a life. It is important to
build or repair your credit rating, since nowadays you
practically need perfect credit in order to get a home, car,
personal loan, and so on. If your credit has any negligence
almost everyone will turn you down.
If you need help with credit repair you might want to hire an
expert that can get results, otherwise if you have skills then
it is important that you take care of your credit issues
immediately. Putting things off only adds up more trouble. On
the other hand, getting things done now brings forth results
since effort is obvious.
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 ... |
| 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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