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How to Create a Good Credit Report
There may be many reasons why you have a bad credit report. You may be young and have never used any credit yet. You may have just come out of bankruptcy and because you are too scared to repeat your past mistakes, you start paying for everything...
How to Dispute Credit Report Errors
Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting...
Mandatory Credit Counseling for Those Considering Bankruptcy
Most Americans are aware of the sweeping changes in U.S. bankruptcy law that were made by Congress recently. These changes, strongly supported by the credit card industry, were designed to make it more difficult for Americans to file for bankruptcy...
Should I cancel my unused credit cards?
Should I cancel my unused credit cards? This is a question many
people ask themselves and searching for a right answer. If you
are one among them this comprehensive guide will help you how
your unused credit cards can affect your credit scoring...
The Credit Card Disease
The little disease that comes with those credit cards. Oh yes, we all get it in the mail, all those offers to get a credit card. So tempting 0% financing for a year, no payment for 3 months, $10,000 credit line, and the most dangerous, YOU ARE...
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Get A Cheap Credit Card By Understanding The Fees
Credit card companies charge fees of some sort or another. The
key is to find a card with the lowest fees for the services you
use. For instance, if you use cash advances, then investigate
those fees with credit card companies before you sign up with
them.
Upfront Fees
Not every credit card program has upfront fees, so it pays to
shop around for the right card. For instance, annual fees are
common on cards with fixed or low rates. In the right
circumstance, this fee with the right rate can save you money.
You will also find cash advance fees, either a flat rate or
percentage. Not all cards charge this, but usually they have
higher APRs. It is important to read the terms if you plan on
using this feature.
Balance-transfer fees also can be charged, usually when you use
a 'check' sent by the credit card company. Some programs offer
no fees or low rates for transfers, especially with an
introductory offer.
Extra Fees
Extra fees can often be avoid but should still be researched.
Late payment, over-the-credit-limit, or credit increase can all
result in extra dollars. Less common are set-up, return item, or
telephone ordering fees. Unless a card is offering an
exceptional
rate, these types of programs should be avoided.
Low Fees Equal High Rates - Sometimes
While no one wants to pay fees, sometimes they can save you
money. With large balances or balance transfers, you can often
find lower rates by paying a small fee. You may also find that
with incentive programs, a monthly fee will still allow you to
come out ahead.
However, for those that pay off their balances every month,
choose a card with no or low fees. You can also choose to have a
couple of different types of credit card programs to meet your
different financing needs.
Research Fees
Under federal law, credit card companies are required to list
fees and APRs before you apply. Often the information will be
present in a table. It will include annual, minimum finance,
cash advance transaction, transfer, late payment, and
over-the-credit-limit fees. With this information, you can
decide what card is best for you.
About the author:
See my recommended Credit
Card Lenders online. Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - 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 ... |
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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 |
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| 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 |
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| www.credit.org |
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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... |
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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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