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Credit Card Late Charges And How To Avoid Them
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's...
Dangers of credit cards
Credit cards can be very advantageous to the smart consumer who uses them wisely by giving you credit to buy what you need without having the needed up-front cash, and letting you make payments over time. But if you are not mindful of the terms of...
Going Mobile (Part 2): How to Get In on the Wireless Revolution -- Without Credit Checks or 2-Year Commitments
This article may be used freely on your website as long as it remains intact, including author byline and resource box and links. We would appreciate it if you would notify us when it is used: Going Mobile (Part 2): How to Get In on the Wireless ...
Personal loans for bad credit can discipline repercussions of negative credit
Bad credit is like an ongoing battle for many loan borrowers. Bad credit has many repercussions for the people when they apply for personal loans. You usually are branded as a bad credit borrower if you have anywhere in your credit history terms...
Will Inquiries Lower Your Credit Score?
What are inquiries? When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The "inquiry" is then reported to the credit bureaus and shows up on your...
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The best time to repair your credit is now
By the time you become interested in credit, two things have
probably already happened:
1) Your credit is bad, and has been for sometime
2) You want something in life like a new car or house and your
poor credit is preventing you from achieving it
At this point, you'll embark on your credit repair journey, and
if you persist, you'll end up on a road to ever increasing
prosperity. The argument for having good credit is fairly
obvious, but I'll briefly reiterate some points: with good
credit you can purchase large items at reasonable prices that
you could probably not afford otherwise. Very few people are
fortunate enough to have the enormous amount of cash it takes to
purchase a home. That's why they borrow money from banks. When
they have good credit, they get this money on favorable terms,
and they can live a relatively opulent lifestyle. With poor
credit or no credit, the options you have in life for where you
live and what you own are extremely limited. When you decide to
repair your credit, you've already made the decision to turn
your life around that will end up leading you through current
financial crisis and get you to the point where your money is
managed well, and you lead the lifestyle you want.
How hard is it to repair my own credit?
People often think that repairing their credit is tough, or
that they need to hire and expensive, specialized professional
to do the job for them. This is far from the truth, and in fact,
there are laws against companies charging people up-front for
any work to repair their credit. Many people choose to skip this
effort, and to instead embark on repairing their own credit and
this helps them in two ways:
1) It makes them really
think about what led them to this
trouble in the first place. This type of soul-searching is
necessary if the person is ever planning on changing the habits
that led them to this credit crunch in the same place 2) It will
teach them the value of credit in a way that won't happen if
someone else does the work for them.
And the truth of the matter concerning credit repair is: this
is not rocket science by any stretch of the imagination. If you
can type legible letters and put them in an evelope, stamp them,
and take them to your local post office, you are well qualified
to repair your own credit. Considering that many credit repair
agencies are actually scams, or the ones that do work well may
charge very high fees, it's in your own best interest to do the
small level of learning required to fix your own credit. The
only qualifications you need to repair your credit are: the
willingness to learn, the effort to face up to your financial
past and change your ways, and the desire to accomplish this
task in a persistent manner. The internet is currently the best
source of information you can use to repair credits. There are
even helpful communities of people who have gone through the
process before, repairing their own credit, who can offer you
support and insights on your credit repair efforts. The first
step towards credit repair is the biggest, but once you've
embarked on the journey, the end result is a much better
financial existence than your current one.
About the author:
Darren McLaughlin is the webmaster of Credit-Repair-Forums.
com, a global self-help credit repair community dedicated to
the education of consumers about the use of credit and the
repair of bad credit information.
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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 ... |
| www.credit.com |
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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. |
| www.credit-suisse.com |
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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 credit cards | apply for a credit card | 0% balance ... |
| 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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