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Cash Advance Credit Cards
Cash advance credit cards have been developed to help individuals who find themselves in need of quick loans from time to time, but don't want to pay the exorbitant interest rates and fees that credit cards charge for cash withdrawals. In simple...
Credit Card Debt: How to Get Rid of it.
This method is simple, but requires some discipline. First, you have to stop any new spending on your cards. Second - you'll need to examine all of your spending. You'll need to know how much extra money you'll be able to put towards paying off...
Credit Cards Without Late Fees? What You Don't Know Can Hurt You
Americans know all too well how much it costs to use credit cards. The average household in the U.S. now has nearly $10,000 in credit card debt. Carrying such debt is fine, as long as you realize that there are costs associated with it. The interest...
Understanding And Improving Your Credit Rating
"No man's credit is as good as his money." E.W. Howe, American journalist, novelist 1853-1937 The American economy is based on credit. If you don't have at least an average credit rating, you will find that getting approved for any type of loan, or...
"Will That Be Cash Or Credit?"
From Bangkok to Edmonton, credit card statements stuff mail and email boxes with payment deadlines. Every bill reminds the giver that gifts given freely do not come free. Giving and buying often exceed generosity and need as a brittle piece of...
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Credit Repair Service and Credit Repair Services
A credit repair service offers to help you clean up your bad credit report so that your credit rating will improve and you can qualify for a less expensive loan. Credit repair services make great promises which aren't always fulfilled. You can improve your credit worthiness, a common term that means your 3 digit numerical rating from the credit bureaus can improve but it will take diligent effort on your part. It's important for you to recognize which credit repair service is legitimate and which is better described as a credit repair service scam. If you recognize the warning signs of illegitimate credit repair services, you can avoid further financial hardship. For instance, never pay in advance for a promised service. Do not trust companies that avoid explaining your legal rights and what you can do for free. Don't be fooled by credit repair services that want to "sell" you a new identity. Finally, don't follow any credit repair service advice that is illegal, untrue, or fraudulent---you can be prosecuted.
The fact is that all negative credit information is locked in by each of the three national credit reporting companies (Equifax, Experian, and TransUnion), and will stay locked unless you have an honest reason to dispute inaccurate or incomplete information. You are welcome to a free credit report once a year or anytime within 60 days of someone denying you credit. Any mistakes or outdated items can be disputed for free by proving (with written documentation) exactly what the consumer reporting company should change and why. Plus, you'll need to contact your creditor who made the inaccurate report so that a correction can be submitted. If you handle credit repair yourself, all documentation and follow-up will be your responsibility, but a credit repair service can help by: pulling credit reports, reviewing for errors, writing and sending dispute
letters, documenting disputes, and keeping track of the whole process.
You can do all of this yourself for free, but you may not want to. A credit repair service cannot erase accurate negative credit information about you. They can't make false claims about credit repair services. For your protection, all credit repair services must give you a copy of the "Consumer Credit File Rights" before you sign a contract. The credit repair service contract must specifically outline all credit repair services like the total payments, detailed description of services, how long it takes to get results, any guarantees claimed, and all of their contact information. Even so, credit repair services cannot help you for three days after the contract has been signed so that you have ample time to change your mind. Credit repair services are not necessarily reputable credit counselors. If you are burdened by bad credit, there are non-profit credit counseling organizations who can help teach you how to manage your finances using all the free information available to you.
For more information about credit repair service, visit:
http://creditrepair.christianet.com
http://creditrepair.christianet.com/articles.htm
http://www.christianet.com
About the Author
Christian N,
http://www.ChristiaNet.com
http://blogs.christianet.com
Featuring numerous life application articles and tips.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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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. |
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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" ... |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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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 ... |
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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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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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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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