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A Look at Getting a Bad Credit Personal Loan
Trying to get a bad credit personal loan can be frustrating. It may be that you don't know where to turn to find the loan that you're looking for, or that you don't know the correct procedure for getting a bad credit personal loan. Perhaps every...
Credit card and loan APR...some points of interest
When choosing to have a credit card or credit arrangement how many of us take an interest in the APR or look into how much our borrowing will cost us over the year that we have a credit amount outstanding.
The APR or annual percentage rate that is...
Factors That Trigger Credit Card Rate Hikes
Are credit card companies trying to scam you? On the one hand,
they provide a valuable service that gives you the added
convenience of being able to purchase items and services you
need and sometimes don't need and to pay them off in a...
Home Owners Avoiding Complications in Credit Repair
Avoiding complications in credit repair is almost important as
getting out of debt. When we have bills that were neglected
simply because we didn't have the money to pay the bills, or
else we purchased items instead of paying the bills, we are...
The Truth About Prepaid Credit Cards
Prepaid credit cards have been around for over ten years now, although they are just now coming into the spotlight. Prepaid credit cards are basically credit cards backed by major credit card
companies that offer you the ability to deposit money...
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The Credit Inquiry; A Wolf In Sheep's Clothing
To the average consumer the most innocent item on their credit
report is the credit inquiry, but in-fact it is, to coin a
phrase " a wolf in sheep's clothing." Although the credit
inquiry is just a potential creditors look into a consumers
credit file, it can be more damaging than being refused credit,
because to many inquires tell other creditors that the previous
potential credit grantors found the consumers to be a great
risk. And, the inquiry can remain on the credit repot for up to
two years unchallenged, this means that too many looks into a
credit file will damage the consumers credit.
So let's just get an understanding of what the creditor sees
when they pull up the consumers' credit file. If the consumer
has had at least ten inquires in the past two years with no
corresponding payment history, then that translates into ten
potential credit grantors that did not feel they where worth the
risk. But, there is hope for relieving the negativity associated
with having to many credit inquiries.
First, the consumer has the right to have their credit file
restricted from third party viewing, and limited to just
the
potential credit grantors the have chosen by completing an
credit application. The next step will be to reframe from
applying for credit, especially if you credit score is already
low. The goal of decreasing the number of inquiries on a credit
file is to increase the credit score, but unless the negative
entries are also removed, the credit score will not increase.
The best approach to cleaning up a consumers' credit report is
to hire a professional credit repair service to evaluate and
clear the negative items. There are a majority of credit repair
companies that can provide this type of service; one is
Millennium Credit Service and interested persons can find out
more about their services by visiting their website at
http://www.millennium-credit.com. So before applying for credit,
remember that an inquiry is added every time a credit
application is processed.
About the author:
Millennium Credit Service provides credit repair services that
are legal and helps clients establish, build, and restore their
credit by using federal laws that protect the consumer and
services for clients with past credit problems.
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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 ... |
| 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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| www.ftc.gov |
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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. |
| 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 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 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. |
| 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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