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Modern Credit and the Internet
The internet stands as the largest open marketplace in the world
today, almost every possible product or service is being sold on
the internet. With such an availability of potential monetary
transactions, the preferred method of payment is the credit
card. This method allows instant transfer of funds from the
consumer to the merchant in a secure environment, and payment
can be verified immediately. But this process poses a dilemma
for the potential consumer looking to shop on the internet
without access to a valid major credit card due to their
inability to gain credit based on their past financial history.
Having a good credit history is vital for consumers on and off
the internet, because it allows them to purchase goods or
services with the promise of future payment. This can also
benefit the consumer by reducing the amount of the interest rate
charged by lending institutions, and having good credit allows
them to make major purchases such as a home or car. The need for
good credit is essential to shopping on the net, where the
consumer can purchase just about anything they need, from a
butterfly statue to a boat or airplane, and anything in between.
So the consumer that has a negative past credit history, and
can't get approved for a major credit card will have a hard time
trying to make purchases on the internet.
But, there is hope for those consumers that would like to
improve their credit situation, so that they will be able to
acquire a major credit card. If they search the internet they
are likely to find that there are a lot of companies that
promise they can improve a consumer's credit, but what usually
occurs is that the consumer is sold a do-it-yourself credit
repair kit. The problem is that, if the consumer is looking to
improve their credit, and is requiring the services of a
professional, they are generally past the credit repair kit
stage. Having a company that specializes in credit restoration,
and not just the selling of repair kits, can greatly increase a
consumers chances of repairing their credit situation, and
receiving a positive response to attaining major credit cards.
A full service credit repair organization like Millennium Credit
Service whose website is located at
http://www.millennium-credit.com, provides
more than just a
credit repair kit they represent their clients through the
entire credit restoration process. The problem with credit
repair kits is that the majority of consumers who purchase them
don't understand that repairing their own credit can be a
daunting task that requires time and patience. And, they tend to
get emotionally involved in the process; therefore having
professionals behind them that have a understanding of the law
and how credit reporting agencies operate, and can represent
them through their restoration efforts can stop the consumer
from making countless mistakes.
The internet also provides opportunities for entrepreneurs that
would like to start a business on the net, but the same
situation exist for these entrepreneurs if they do not possess a
valid major credit card. These problems can include, but are not
limited to getting a domain registered, because most
registration companies require a credit card to register for a
new domain. When the internet first became popular, an
entrepreneur could register a domain, and pay by check or money
order up to thirty-days after registering, but not anymore.
Another service that requires a major credit card to put a
business online is web hosting services, and not to mention the
cost of web design and implementation, which all require the
purchaser to pay in advance.
The internet still stands as the greatest advancement for the
exchange of information, and the buying and selling of products
or services, but understanding what is needed to complete
transactions on today's internet is vital. The need for a valid
major credit card is essential if you want to accomplish
anything on the internet, and restoring your credit can allow
you to enjoy the full benefits available to consumers on the
internet. Taking the time to research companies that offer you
the opportunity to take advantage of restoring your good credit
like Millennium Credit Service, can make your internet shopping
experience much more enjoyable.
About the author:
Thaddeus Collins is the owner of Millennium Credit Service
located at http://www.millennium-credit.com, which is a full
service credit repair and restoration service for consumers
interested in legally clearing their past negative credit.
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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 ... |
| www.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 ... |
| www.equifax.com |
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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. |
| 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 |
| 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 |
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| 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 |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
| www.credit-suisse.com |
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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. |
| 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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