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All Is Fair In Love, War, And, Your Credit Report. At Least It Should Be. Under Standing The Fair Credit Reporting Act
Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what’s on your credit report? If you’ve...
Bad Credit Personal Loan - A Pay Day Loan May Be Your Best Option, No Credit Check
If you have bad credit, have an emergency and need some fast cash, an instant pay day loan online could be a quick solution for you. With online pay day loans, the lender does not pull your credit, so it doesn’t matter how poor your credit history...
Credit Card Merchant Account Services
Did you know that credit card merchant account services could
possibly multiply your sales receipts within a matter of weeks
or months? Of course, other factors will play a role in the
overall success of this strategy, but many company owners...
Finding the Right Bad Credit Loan UK
If you live in the United Kingdom and find yourself in need of money but lacking in credit, you might want to consider applying for a bad credit loan UK . These loans often are offered in a variety of different ways, from secured loans to unsecured...
Student Credit Repair Solutions for Building Credit
There are solutions for students to repair their credit. Believe
it or not but it is possible to get out of a student loan
obligation. First you must determine what type of student loan
you owe. Once you come to this determination you will next...
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How to Shop for a Credit Card
With so many credit card offers available to nearly anyone who wants one, it can be difficult to find a reasonable offer that fits your personal needs. Here are some things to look for when shopping for cards:
•Interest Rate: This is one of the most obvious, yet important, things to look for when shopping for a card. Interest rates can often be as high as 24% and sometimes as low as 0% for introductory rates. Make sure that you know what the rate is before signing up. Also, if it is an introductory rate, find out how long that rate lasts and what it will go up to after the introductory period is over.
•Annual Fees: You can often obtain a credit card without having to pay an annual maintenance or membership fee. If you can find a deal that allows you to avoid annual fees, it is highly recommended that you do so.
•Rewards: One of the most requested features for credit cards is to receive rewards for using the card. If a credit card company is willing to offer you a cash-back incentive, free gasoline rebates or frequent flier miles, it may be worth looking into. Some creditors have even begun offering mortgage rebates, where they will pay a certain amount of principle on your mortgage if you use their
card.
•Balance Transfers: If you have other cards that you plan on transferring balances from for your new card, be sure to check on the balance transfer rate of the new card. Many times you can find a 0% introductory rate that would allow you to pay the card off within the introductory period, thus saving you a significant amount of money in interest.
•The Fine Print: Always read the fine print on credit applications. I know it isn’t any fun and sometimes it’s difficult to understand, but if you have problems later because you didn’t read the fine print, you can only blame yourself and your creditor may show no mercy in dealing with you.
Do your research before you buy a card. Compare the interest rates, balance transfer rates, introductory periods, rewards, benefits and annual fees. Consider the fine print and make an informed decision. This way, you’ll be sure to get the most benefit out of any card you choose to use.
About the Author
David Medlock owns GetSomePlastic.com, a premier provider of online credit card applications and instant approvals. GetSomePlastic.com always encourages responsible use of credit cards and informed decision making in financial matters. http://www.getsomeplastic.com
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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 ... |
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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 |
| Features an assortment of helpful articles related to credit issues. |
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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 |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
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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. |
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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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