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Building Your Credit History
Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit...
Credit Card Merchant Account Services
Did you know that credit card merchant account services could
possibly multiply your sales receipts within a matter of weeks
or months? Of course, other factors will play a role in the
overall success of this strategy, but many company owners...
Reaping financial rewards – bad credit home equity loans
Home is the place you inhabit. It is the place where you live, breathe, grow, thrive. It does more than just providing a living space. The moment you build up this house, or moved to your present apartment, you did not realize that you have struck...
Save on your insurance by improving your credit score.
Did you know that you could make sure to get the best rates on your auto and homeowners insurance simply by having a good credit score. Additionally a great credit score will allow you to get the best interest rates on your credit cards, car loans...
The $10,000 Credit Card Challenge
Thinking about conquering your mountain of debt but too scared even to give your debt much thought? Read this real-world scenario of how one person erased $10,000 of credit card debt within a few years.
by Joel Walsh
Ever wonder how some people...
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The Effects Of Multiple Credit Inquiries On Your Scores
Credit inquiries impact credit scores negatively because
statistical studies show that multiple inquiries are associated
with high risk of default.
Distressed borrowers often contact many lenders hoping to find
one who will approve them. On the other hand, multiple inquiries
can also result from applicants shopping for the best deal.
To avoid penalizing loan "shoppers," credit ratings ignore
inquiries that occur within 30 days of a score date.
Suppose, for example, I shop a lender on June 30 and the lender
has my credit scored that day.
Even if I had shopped 50 other lenders in June and they had all
checked my credit, none of those inquiries would affect my
credit score on June 30.
Inquiries from May and back 11 months would, however, be counted
on June 30.
To avoid biasing the credit score from earlier shopping
episodes, the scorers treat all inquiries
that occur within any
14-day period as a single inquiry.
If you shopped 50 lenders during June 1-14, they would count as
one inquiry. If you spread them over June 1-28, they would count
as two inquiries.
You will damage your credit if you spread your loan shopping
over many months.
But, because the market can change from day to day, it makes
little sense to do this in any case.
Circumstances can cause a consumer to shop, drop out of the
market, and return later when conditions are more favorable.
You minimize the adverse effect by concentrating each shopping
episode within 14 days or less.
About the author:
Gus Skarlis is one of the leading loan officers because of his
expert knowledge in loan placement as well as credit issues. To
contact him call 702-491-7251 or visit his very informative site
at: http://www.GusSkarlis.com
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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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