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Bad Credit? Get A Payday Cash Advance Loan With No Credit Check
Do you have bad credit history? Even with a recent bankruptcy or
foreclosure, if you are in need of some emergency cash, you may
want to consider getting a payday loan. The benefits are you get
the cash fast and it is an easy process, compared to...
Credit Card Processing provides customers with an extremely popular payment option
The ability to accept credit cards is a vital part to running
any type of business. This can be acquired by obtaining credit
card processing solutions. Accepting credit card orders is a
must for everyone who does business online or offline. If...
Errors on Your Credit Report: What You Should Do
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your...
Questions to Ask a Credit Counseling Service about Debt Relief
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989. In that same time period, the average credit card increase for a middle-class...
Small Business Loan With Bad Credit
"Initially, it was difficult to get small business loans if you had a bad credit record. But today the scenario has changed, there are many organizations that offer you small business loans even if you have bad credit. However, before you make your...
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Need Credit Repair Help? Try Doing It Yourself!
No matter what many credit counseling scam artists may try to
tell you, no one can legally remove any information that is
up-to-date and accurate from your credit report. They can't do
it, and you can't do it yourself. However, you CAN request an
investigation of anything you find in your credit file that you
believe to be either incomplete or inaccurate. That is perfectly
legal, and can be done at NO cost to you. In fact, anything that
a credit repair company offers to do for you can be done
yourself, generally free or for a nominal fee.
The good news is that just because you may have some negative
information in your credit report doesn't automatically mean you
can't get credit at all. Most creditors have their own
guidelines when it comes to granting credit, which means that
each company will look at your credit report in a slightly
different way. For instance, it's not uncommon for companies to
lend more credence to the most recent information in a credit
report. That way, if you experienced some financial difficulty a
number of years ago, but then were able to get back on an even
keel and have been exemplary since that time, you'll be more
likely to receive the credit you're seeking with those
companies. It might even be to your benefit to have an informal
discussion with a potential creditor to discuss how they
interpret credit reports--even before you apply for credit.
You're entitled to a free credit report every twelve months, and
it's worthwhile to take advantage of that fact, just to see what
information is contained in your file. Many financial advisors
and consumer advocates suggest that you review your credit
report periodically, because erroneous information can
sometimes
get into your report inadvertently and can affect your chances
of getting a loan or qualifying for insurance--as well as how
much those will cost you, in terms of interest rates or
premiums.
So request a free credit report from one of the Big Three:
Experian, Equifax, or TransUnion, and make sure that all the
information it contains is up-to-date and accurate, especially
if you're about to apply for a major purchase, seek insurance,
or apply for employment. Checking your credit report on a
regular basis can also alert you to identity theft, which is one
of the fastest-growing crimes in the world today. Inaccurate or
incomplete information in your credit report can have a
significant impact on your chances of obtaining loans,
insurance, or a job, so it's well worth the effort to make sure
everything in your report is exactly as it should be.
If you're having trouble with your credit report and need help
finding assistance, you can contact the Federal Trade Commission
(FTC) for help. Find them on the Web at http://ftc.gov, or you give them
toll-free at 1-877-FTC-HELP. Their TTY number is 1-866-653-4261.
They maintain an online database that lists hundreds of civil
and criminal law enforcement agencies in the U.S., and they'll
be able to steer you toward the help you need.
Copyright © Jeanette J. Fisher
About the author:
Jeanette
Fisher teaches six ways to build credit. Free credit ebook "Credit
Tips for Mortgage Financing" http://worryfreecredit.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 ... |
| 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. |
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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... |
| 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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