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A Credit-free Card: What Is A Prepaid Credit Card?
In this high-tech era of computers and machines, the purchasing
power of people is mostly based on credit. Nowadays, credit
cards are almost indispensable in almost any business
transaction. For one, nobody can purchase anything online
without a...
Consumer Credit Counseling - Keep Debt Under Check by www.alifeoutofdebt.com
Before Jim left for a study-abroad program in Australia last
spring, he signed up for another credit card. One more wouldn't
hurt, thought Jim, then a sophomore at Iowa State University. "I
didn't plan on using the card," says Jim. "But Australia...
Discover What to do When Your Credit Worth is Damaged Due to Circumstances out of Your Control
First of all, let’s examine exactly what credit worth means and how it affects your financial life. Your credit worth, as defined by the financial industry, is the overall picture of your financial health that is used by lenders to determine your...
How to Improve Your Credit Rating Overnight.
Can You Improve Your Good Credit Overnight? Absolutely.
Perhaps you've been told that you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit...
Save Money By Understanding Your Credit Card
Around £6billion a year is lost due to credit card users not understanding
how their credit card works. Too many people are dazzled by the latest deals
offered by credit card companies and end up paying more than they should, simply
...
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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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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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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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| 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. |
| 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! |
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| 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. |
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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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