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10 Dirty Tricks Credit Card Companies Play
The credit card companies make billions each year in legitimate interest charges and fees, but are under constant pressure from the shareholders to increase their earnings. To make this extra money the credit card companies sometime adopt some dirty...
Credit Cards - Why Prepay?
With prepaid credit cards, you get the practicality of plastic while choosing exactly how much debt to charge. By taking charge of your personal financing, you determine your own limits, to the penny, and change them any time you need to. There are...
Credit Repair for Identity Theft Victims
Identity theft victims are those people that loose simply
because someone has stolen their identity and run up their
bills. If you are victim of Identity Theft you are well-aware
how difficult it can be to get back on your feet again....
Creditors Calling its Time to Repair your Credit
When the creditors are ringing the phone off the wall you know it is time to repair your credit. The United States alone has over millions of individuals and families struggling to find a way out of debt.
This is why when you go online you see...
Repair Credit by Observation
Repairing your credit takes observation on your part. We often
get two types of bills in the mail. Bills that are past due and
bills that are up to date. The fact is ignoring your bills is
only delaying and it does not help repair your credit. If...
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Reversing Credit Repair
If you want to reverse your credit repair and land deeper in
debt, let me show you how. Have you ever seen the advertisings
that say you qualify for $10,000 in credit and your credit will
increase once you accept the terms & conditions and also send
them some upfront fees? How about the ads that say the
Government will give you $25,000 in grant money and all you have
to do is provide your personal information online and include an
upfront to cover our costs?
Ok here is another reverse credit repair solution. If you see
ads that say, you are guaranteed a credit card regardless of
your credit history and you only pay $399 upfront in charges to
secure your debts? The list is only a few of the spammers that
are out to put you in a jam. For instance, Trust Benefit offers
credit cards and when you make the steep payment of $299 it
won't take long before your realize that your put the gears in
reverse and you are going down deeper in debt. There is no
source on the marketplace that claims to restore your credit for
a fee is ready to help you get out of debt. The truth is if you
want to move forward in repairing your credit you have to find a
way to come up with the money to do so.
You are responsible for your bills and if you are, suffering
hard times the first step to repairing your credit is contacting
your creditors and letting them know your situation. Often the
creditors will work out a plan with you to help your repair your
credit. If you are in debt, you might want to take on an extra
job or else find a better paying job to make ends meet. You
might even want to sell some of your assets and payoff your
debts. Material is irrelevant compared to your life and credit
history. If you have bad credit, most people shun you when you
ask for help. Even if you can only send $10 each week or month,
it is a step forward to repairing your credit. You never want to
go in reverse when your future is at stake.
Credit is
serious and if you are delinquent then many lenders
will reject you once they review copies of your credit files.
You might even apply for a job and are turned down if the
company decides to take a look at your credit files. Worse, you
may find your self-homeless and when you apply for an apartment,
the property owner may turn your away after reviewing your
credit report. There are many negatives that can affect you when
you have bad credit, so to move ahead you have to take the first
step. Do not waste your time searching for ads that claim to get
you out of debt in a little time for a fee. Just because they
claim to be Credit Repair Expects does not mean that, they are
qualified to get you out of debt. Credit repair is tricky,
simply because there is a wealth of information available and
many laws to abide.
Therefore when you are repairing credit and do not know where to
get started you may start at your local library. The library has
a wealth of information and often the right tools to get your
started in repairing your credit. The library is not out to take
you for a ride, so there is no better place to search. I am
often skeptical about referring anyone to the Internet simply
because too many predators are out there waiting to take
advantage of the vulnerable. However, there is some great
information aboard the World Wide Web; you just have to educate
yourself before taking that route to repairing your credit. To
avoid reversing your credit repair process you have to learn and
know what you are looking at before starting out on your
adventure. Learning is the virtue of all humankind that makes it
possible for man to move ahead. We can learn from our mistakes
but if we are learning in reverse, we might as well toss in the
towels.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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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 |
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| 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 ... |
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| The Credit Card Prank |
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| 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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