|
|
Credit Card Late Charges And How To Avoid Them
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's...
Finding Te Best Travel Reward Credit Cards
Travel reward credit cards are only a great benefit if you
travel frequently. While that may seem trite it needs to be
said. You may think, "what a great idea - travel reward credit
cards. I might want to take a vacation next year."
You're...
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...
Is Business Credit Scoring a Killer Application or Application Killer?
In his 1968 seminal novel, 2001: A Space Odyssey, Arthur Clark introduced HAL, a spaceship computer with artificial intelligence. Mission engineers designed HAL to carry out an array of technical orders to safeguard the ship’s mission. HAL operated...
Successful Credit Cards For a Successful You!
There are tons of competing credit card companies around. For
the consumer in you and me, separating the wheat from them tares
among these companies will be quite an enormous task. What
should one look for anyway when considering what credit...
|
|
|
|
|
|
|
|
How to Improve Your Credit Rating Overnight.
Can You Improve Your Good Credit Overnight? Absolutely.
Perhaps you've been told that you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, just ask the credit reporting agency to add this information in future reports.
Your credit file may not always reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to credit bureaus: Some gasoline card companies, local retailers, travel, entertainment, and credit unions are some of the creditors that often don't.
Many credit bureaus will add verifiable accounts for a fee, although they are not required to do so. However, be aware that if these creditors do not report to the credit bureau on a regular basis, the added items will not always be updated in your file.
Here's an Example:
Suppose you had bought a car from a dealer 5 years ago. And the cost for your car was $12,000.00, which you have paid off in 2 years. If you can show on your credit report the auto loan you've paid off, that can dramatically change your credit report. Therefore, what you can do is contact the car dealership and ask that your account be reported.
Or you can request a copy of your auto loan payment history to be mailed to you so you can mail it yourself to the credit bureaus. It's also important to ask yourself why a certain account was not reported on your credit report.
Usually it's because many small businesses avoid reporting to credit bureaus because it cost businesses money to report
your payment history to credit bureaus every month. To put it simply, every business who wants to report their clients account payment history will have to subscribe to these credit bureaus and the subscription cost the business money.
Here is a sample Letter to Add Positive Information to Your Credit Record
Date
Credit Bureau Name
Address
City, State Zip
To Whom It May Concern:
After receiving my recent credit report from your company, I noted that my credit report does not include information that I know is vital to providing a complete picture of me as a credit using consumer.
Therefore, I request that you add the following account details on my credit file.
Creditor:
Address:
Account Type:
Date Opened:
Credit Limit:
Current Balance: (If it's an open account)
If there is any fee for this service or for any additional information you might need from me, you can reach me at (your phone number).
Thank you in advance for your kind assistance.
Sincerely,
Your signature
Your Name
Address
Social Security Number
Date of Birth
© Copyright. http://www.allcreditcarddirectory.com/
About the Author
Jim Partridge is a staff writer writing for
http://www.allcreditcarddirectory.com/. The website is dedicated to providing free credit card options for people to consider.
You have permission to publish this article electronically or in print, in your Newsletter, on your website, or in your E-Book, as long as the author's Resource Box is included with the article.
|
|
|
|
|
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 |
  |
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 |
  |
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 |
  |
Federal Trade Commission - Consumer Credit Center |
Features an assortment of helpful articles related to credit issues. |
www.ftc.gov |
  |
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 |
  |
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 |
  |
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 |
  |
Credit Suisse Global |
Credit Suisse Group is an international financial services group. - Shares part of SMI. |
www.credit-suisse.com |
  |
Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
www.experian.com |
  |
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 |
  |
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 |
  |
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 |
  |
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 |
  |
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 |
  |
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 |
  |
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 |
  |
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 |
  |
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 |
  |
CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
www.cuna.org |
  |
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 |
  |
|