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Apply For A Credit Card Merchant Account Online
Who should apply for a credit card merchant account online? Why,
you should, of course, if you want to grow your business and
maximize sales volume! In this day and age, more and more
business functions are moving into cyberspace, which means...
New Credit Card Balance Transfer Alert Service
Who wouldn't want interest free credit for years and years? In
theory that's possible. You just ensure you sign up for a 0
interest credit card balance transfer every time your 0 interest
period expires. But is your bank ever going to...
Rebuilding Your Credit: Path to Cheaper Borrowing
Rebuilding your credit can be a great technique to take control of your future. Face it - to live in today's world, you need access to credit, and you need it cheap. Unfortunately, lots of people have ruined their credit because of hard times or bad...
The menace of credit card debt
Credit card debt can often be crippling and lead to a lot of stress. Even students are not immune as people are getting credit cards at an earlier age and falling into debt. With the increased use of credit cards, more and more people are falling...
What's Your Credit Score? (and what does it mean?)
Anyone applying for a mortgage will probably hear the term "credit score" mentioned at least once, and you'll ask "What's my credit score?" Depending on where you live, you may or may not get a straight answer. Some lenders or credit companies may...
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"Credit Repair Kit" Sound To Good To Be True? It Is.
A lot of people have bad credit. It is unfortunate that good people with good intentions are sometimes lured into credit card offers with outrageous interest rates or convinced to buy a new, overpriced car that they cannot afford. Sometimes, it is a stroke of bad luck. You may have recently lost your job or been involved in an accident that made you unable to work which in turn also made you unable to pay your bills. Whatever the case bad credit can follow you for a very long time and repairing your credit is no easy task. You may have seen advertisements claiming to be able to repair your credit for only a small fee. Some advertise credit repair kits for anywhere from $10.00-$20.00. This may seem like a small price to pay to have your good credit reinstated. But beware, the price is often much higher. Jail time or high fines are the price you must be willing to pay since these scams are illegal.
Credit repair kits claim to be able to repair your credit through a process called "file segregation". This is a fancy term for obtaining an employment identification number or EIN. Employment identification numbers can be used to apply for credit instead of your social security number. The problem is that you must use false information to apply for this number. This is
illegal and you can be charged with not only misrepresenting your social security number, but if you used the telephone or mail to apply for the credit you could be charged with telephone or mail fraud.
Keep in mind that you should never have to pay money for a service before it is received and you have the right to see all paperwork regarding the case. So ask for all agreements in writing and carefully examine the documents to be sure that you are not participating in something that is illegal. If you are still thinking of using a credit repair service, contact the state Attorney General and the Better Business Bureau to determine if the company is legitimate. If you have previously purchased a credit repair kit or been a victim of a credit repair scam, you should also contact the state Attorney General to report the crime. The best way to repair you credit is through time and effort. You can do it, but nothing is going to fix your credit instantly.
About the Author
Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and free debt consolidation information that you can research in your pajamas on his website.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.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. |
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| Credit - Wikipedia, the free encyclopedia |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| The National Foundation for Credit Counseling |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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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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