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Buying A Car With A Bad Credit Record
People with a poor credit record are likely to have as much need for a car as anybody with a good credit record. However, if they want to buy a car, that bad credit blemish may make life difficult for them.
Regardless of whether it is your own...
Finding the most desirable credit card deal
With increasing competition, credit card companies have been trying to differentiate their products and come up with the best credit card deals. For consumers this often means competitive interest rates and a great variety to choose from when it...
FREQUENT FLYER CREDIT CARDS
The best credit card reward available is one that suits your
lifestyle and saves you time and money. Check out the Bank of
America credit card for its convenience, low interest rate, and
great rewards. You can find the wide selection of Bank...
Home Equity Line of Credit – Great Idea for Rainy Day Emergencies
Most Americans tend to live on a paycheck-to-paycheck basis, and the typical household has nearly $10,000 in credit card debt. Adding to that is the fact that Americans are saving money at the lowest rate in history. We spend what we earn, when we...
How a Credit Card Can Be Your Friend
How a Credit Card Can Be Your Friend Copyright 2005, Jim Hood We have all heard countless stories of people over their heads with credit card debt-maxing out every card they own, then only being able to afford the minimum monthly payment. High...
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Rebuilding Your Credit: Path to Cheaper Borrowing
Rebuilding your credit can be a great technique to take control of your future. Face it - to live in today's world, you need access to credit, and you need it cheap. Unfortunately, lots of people have ruined their credit because of hard times or bad decisions when they were young. There's still time, however, to put things right, no matter how far in the hole you are.
First, you should pay off the debts you have now. Begin making regular payments on all your debts, no matter how small - this will often keep the creditors from reporting you as delinquent, and you can usually work something out with them. At this point, they've probably written you off anyway, so they have nothing to lose. Don't sacrifice to the point that you're living in a hovel with fleas , but do tighten your belt.
Second, you should get new credit, and make sure you're making small monthly payments. Don't go wild - you just
need to keep a few hundred dollars in debt outstanding each month. Pay the fees, and don't spend any more money. You'll gradually pay it off, and build your credit in the process.
Third, if you have any old debts you never paid off, repay them on the condition that it gets reported to the credit agencies. This will please your old creditors and make you look good to anyone considering you in the future - they'll at least see that you're making an effort.
Finally, don't do the things that got you that badly into debt in the first place. No payday loans, no heavy borrowing - live within your means, and stay there.
About the Author
Teve Torbes is an expert owner of a flea control site, who knows a whole lot about flea bites. He has also created a valuable inflatable air mattress site.
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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 |
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Credit (finance) - Wikipedia, the free encyclopedia |
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The National Foundation for Credit Counseling |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
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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, ... |
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