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Bad Credit Student Loan - What To Do If You Need One
Are you concerned that bad credit will prevent you from going to
college? While it is true that finding student loans with
excellent interest rates is easier if you have a sterling
credit rating, bad credit student loan aid is possible....
How Can A Qualified Mortgage Consultant Help Boost Your Credit Score?
How Can A Qualified Mortgage Consultant Help Boost Your Credit Score? By Jansen Drake, CMS 1st Metropolitan Mortgage Marietta, GA – Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market...
How Credit Card Points are Earned
Credit card companies offer varying benefits and promotions to
entice their customers to use their credit cards not only in
their everyday purchases but also for major buying decisions.
One of the promotions that credit card companies have...
Make a deal with your creditors
Are you unable to pay your bills? Pick up your phone and call your creditors; you will be surprised at the goodwill most creditors and collectors give the persons who bothers to pick up the phone and make an agreement. You should not loose your...
No Credit Check Payday Loans To Escape Delay Through Credit Checks.
Your plans to get loan proceeds released in haste can be marred
because of credit checks. A credit check would involve studying
the credit report of the borrower. With a clean credit report
you can hope to qualify for approval within a few days....
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Credit Card Applications: Is It Safe To Apply Online?
Are you wanting to apply for a new credit card but feeling
hesitant to perform the credit card application online? If so,
you need not be concerned. Advances in the technology of secure
e-commerce have made online credit card applications literally
safer than filling out a paper application and mailing it
through the US Postal Service. Here's why.
SSL Technology
First, banking institutions that offer online credit card
applications use the most up-to-date technology to ensure that
their web sites are protected against intrusion and data theft.
This technology is known as SSL, which stands for Secure Sockets
Layer, a transmission protocol that "encrypts" any data sent
between the bank and your computer, such as all the personal
information you need to fill out when applying for a credit
card.
Encryption
What exactly is encryption? It is a sophisticated mathematical
process that disguises data by altering the bits of information
in ways that are undecipherable to others. You have probably
done encryption in your childhood days when you sent messages to
friends in school using a secret language such as reversing the
alphabet, so that A meant Z, and Z meant A. That early game was
actually a form of encryption.
In the early days of the Internet, encryption used 40-bits,
which meant that a character of data could be transformed into
another character in any one of 2 to the 40th power ways, which
is approximately 1 trillion ways. But as large as that number
is, computer security experts realized that people, including
criminals, who had access to very powerful computers could crack
40-bit encryption in a short period of time, ranging from a few
days to a few seconds depending on the power of their computers.
Therefore, in the late 1990s, a much more powerful type of
encryption was introduced using 128 bits. This means that each
character of data can be altered in any of 2 to the 128th power
ways, a code which represents an astronomical number of possible
variations that would take on the order of 20,000 years to break
using today's fastest computers. The use of 128-bit encryption
has thus completely altered the safety of data.
Two Encryption Keys Required
Furthermore, today's
encryption methods use what is called the
"two-key" algorithm whereby the sending computer and the
receiving computer use both a "public" key and a "private" key
to encrypt and then decrypt any data exchanged between them. The
process is complex to explain, but suffice it to say that the
two-key approach makes it impossible for all intents and
purposes for an outside party such as a criminal to capture and
interpret any data transmitted between two computers over an
Internet site using SSL technology - because the criminals will
not have both keys.
Online Credit Card Applications - No Safer Method
In short, SSL technology virtually guarantees that if you fill
out a credit card application over the Internet using a bank's
secure application page, all your personal information can never
be stolen or broken into.
Compare this to a paper credit card application which you send
via the US Post Office. Think about how many mailboxes are
broken into each year and how many pieces of mail are somehow
lost - and you will now realize that applying for a credit card
over the Internet is actually the most secure method you can
find.
So if you want or need a new credit card in order to expand your
credit capabilities or to get bonus points or travel rewards,
the best thing to do is to go to one of the web sites that
allows you to compare credit card offers, then click through to
the secure web site for the bank you choose to fill out their
online credit card application. You will also benefit from this
because your application will be processed within minutes and
you can often get an immediate approval rather than waiting
weeks as you do when you mail in a paper application.
All in all, rest assured that computer security experts are
working hard to protect consumers from crime and identity theft
as Internet banking, e-commerce, and credit card payments are
increasingly processed online.
Copyright 2005 Ed Vegliante.
About the author:
Ed Vegliante runs the website http://www.Credit-Card-Surplus.com
, a credit card directory enabling the consumer to compare and
apply for credit card offers. Find links to secure online credit card
applications.
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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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