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‘Bad’, ‘credit’, ‘student’, ‘loans’ - disjointed they don’t make sense. Join them and see the possibilities.
The day you stop learning is the day when you start decreasing your rewards. Learning is a constructive effort - who knows it better than student. A student is a ‘learner’ himself. There is no terminal point to the potential of a student....
How Credit Cards Work
Credit cards have become a major financial industry, uniting cultures with a common form of payment and allowing purchases to be made on credit so that individuals have additional options when they're short on cash.
Unfortunately, many people see...
Knocking Down the Debts with Credit Repair
If you take a hard look at your situation and analyze your debts
carefully, you might just find a solution to knocking down the
debts. Debts are bills we owe to creditors, someone or source
that has extended us a line of credit believing that we...
What Does My Credit Score Mean?
Lenders are using credit scores more and more to make decisions about who they will lend to. The main developer of these scores is called Fair, Isaac Co (FICO), thus these scores are often called FICO scores. Scores range from 300-850 with a lower...
Why Choose a Bad Credit Personal Loan?
One of the reasons for choosing a Bad Credit Personal Loan is that it is a loan specifically designed for the many people with a bad credit rating.
However created, your past record of CCJ’s (County Court Judgements), mortgage or other loan...
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The menace of credit card debt
Credit card debt can often be crippling and lead to a lot of stress. Even students are not immune as people are getting credit cards at an earlier age and falling into debt. With the increased use of credit cards, more and more people are falling into debt. With hassling creditors, a ruined credit report and a threat of looming bankruptcy, it becomes extremely urgent to find a way out.
While credit card debt is fairly easy to get into, getting out is a hard and long process. No agency or system will get you debt free in one day. It will take time to bring your debt under control and to start rebuilding your credit.
One of the best defenses against credit card debt is to get properly educated in financial matters of credit, and money management. Often it is good to prevent getting into debt by creating budgets and saving plans. Sticking to your plan can help you avoid overspending.
Get rid of any excess cards you have lying around, especially high interest department store cards. You can also try credit card debt consolidation where you take out one low
interest loan to pay off all your other loans. For example you can use a low interest home equity loan to pay off your credit card debt. This way you will only have one low monthly payment to make.
Remember to pay more than the minimum of your monthly credit card payments. If you continue to make only the minimum payments you might end up paying only the interest, which would lead to lifelong credit card debt. Each month you should be paying a part of the principal payment with the interest payments so that your debt slowly starts to shrink and your monthly payments get reduced each month.
There are many non-profit debt management agencies and consolidation services to help you in your fight against credit card debt. You can seek them out for counseling and financial advice. They can also help you get a consolidation loan and find other ways to get you credit card debt free.
About the Author
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
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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. |
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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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