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A Credit Card With More Than Meets The Eye
With so many credit cards dominating the market these days,
people can no longer tell the difference between one card to
another. It all seems like a wide array of credit cards all
committed to provide the consumers with substantial means...
Credit Cards For People With Bad Credit - How To Avoid Getting Ripped Off
If you've had credit problems, then you've probably received offers for credit cards aimed at people with bad credit. These offers range from legitimate, to questionable, to outright scams. How can you tell the difference? The answer is to read the...
Credit Cards Without Late Fees? What You Don't Know Can Hurt You
Americans know all too well how much it costs to use credit cards. The average household in the U.S. now has nearly $10,000 in credit card debt. Carrying such debt is fine, as long as you realize that there are costs associated with it. The interest...
Online Credit Report
Online credit reports are an easy way to learn what potential
lenders will see about us, before we apply for a loan or credit.
All too often, our early mismanagement of credit, like during
our irresponsible youth, winds up hurting us for...
What Sets a Student Credit Card Apart?
Today, most parents contend that it is okay to let college
students obtain their very own credit card. Not only because
they want to let their kids manage their finances alone but also
because having credit cards or a credit history for that...
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Repair Your Credit Like A Financial Expert
How many times have you been scammed by commercials and companies stating that bad credit, no credit, bankruptcy, or divorce is okay?
The truth of the matter is that it's not okay. Having poor credit can devastate your life style. In today's society, your credit speaks for you. It is how you are viewed and judged.
Whether you are trying to buy a home, refinance a home, apply for a credit card, even a cell phone, it will be necessary to have satisfactory credit. However, there are some legitimate companies that specialize in working with individuals with poor credit.
The down fall to this is that you suffer from extremely high interest rates and low lending amounts. Most individuals with poor credit opt to take advantage of these opportunities, which usually result in more debt and credit beyond repair.
Managing your credit is the key to your financial success. There are various programs available to help you understand, manage and repair your credit. However, these programs come at an expense.
You may opt to pursue this goal yourself, with out the help of a professional. This option will save you money and help you gain ample knowledge about your credit and how to manage it.
In all honesty, there is nothing that a credit repair agency can do to repair your credit; that you can't do yourself. Here are a few basic steps to repairing your credit:
* 1. The first step to repairing your credit is to order a copy of your credit report. You can obtain a copy of your credit report, by contacting the three major credit bureaus:
Equifax Credit Information Services, Inc P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 www.equifax.com
Experian Credit Information P.O. Box 9532 Allen, TX 75013 1-888 397 3742 www.experian.com
TransUnion P.O. Box 2000
Chester, PA 19022 1-800-916-8800
www.transunion.com
* 2. The second step is to check your credit report for inaccurate information; such as: Collections or debts which have been paid and never updated.
You may also check for inaccurate charge amounts and duplicate items. These are common mistakes made by the credit agency and or the creditor. If you are aware of any mistakes, dispute the information with the credit bureau immediately. They will perform an investigation and have the information updated.
* 3. The third step is to avoid more debt. It is important not to over exceed your budget. Your total debt should not over exceed 45% of your income. This will include, current living expenses, credit cards, car loans and personal expenses, such as: cell phones, pagers, etc. This list contains just a few of the many steps you can take to repair your credit. The wise scenario to take is to manage your credit and not let it become damaged.
The fact is that repairing your credit will take time and effort. However, getting back on track will make all of your hard work and time spent worth it. =========================================================== Find out how to repair your credit. Discover why a good credit report is vital to your financial future, and how to make it the best Click http://www.credit-repair-101.com/credit-repair-kit-html
** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.
About the Author
John Simpson works in software development. A few years ago, he got in trouble with credit card debts. Now he's written a series of articles explaining how he recovered, and repaired his credit.
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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The FTC's web site on Credit |
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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 |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
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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. |
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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 |
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en.wikipedia.org |
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The National Foundation for Credit Counseling |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
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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 |
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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. |
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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, ... |
credit.about.com |
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