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Build Credit in your Name
If you have delinquent credit and are married, you might want to
build your credit in your name instead of using your spouse.
Somebody has to have stability. Also if you are divorced and all
the credit cards of credit information are in your...
Fix a bad credit score
It is easy to see why you will want to fix a bad credit score. Having a bad credit score can be costly. Not only does it cause an individual to pay higher interest rates for credit, but it can also affect whether or not they are approved for loans....
How Credit Works
Though it can affect a variety of aspects of everyday life, there are a large number of individuals who don't know exactly how credit works. If you're one of these people, don't worry... you're obviously not alone, and credit isn't always the...
Identity Theft – Monitor Your Credit Report
The recent security breach at credit card processor CardSystems Solutions has many consumers worried. Thanks to a well-placed computer virus, nearly forty million credit card numbers were stolen, and cardholders nationwide are justifiably concerned...
Immediate Steps To Improving Poor Credit
Credit can be a wonderful thing, but it can also be a dangerous
pitfall, with disastrous results, when it gets out of control,
even it happened through no fault of your own. If you find
yourself overextended, here are some ideas for improving...
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Winning the Credit Game
Everywhere we go, the word credit can be found, shining huge
dollar signs in front of our very eyes. Everyday we receive
solicitation and promotions offering us credit. Credit
actually makes the financial world go round, yet just the
mere mention of the word can make many people very nervous.
So why does credit get such a bad reputation?
It's been my experience that credit falls into the same
category as politics and religion. People have very strong
opinions about Credit. It has been around since the
beginning of mankind. People would borrow either goods or
services, to be repaid at a later date with interest.
There's nothing wrong with that. And like anything else, it
can be used, or abused.
There are programs that allow you to borrow from your IRA,
or you can borrow from the equity that had built up in your
home. Credit card companies often offer promotions to borrow
money at a lowered rate of interest for a predetermined
period. It's all good news for the consumer. One of the
simplest ways to borrow money to use a Credit Card. The
choices available are plentiful, with a variety of interest
charges, annual fees, loyalty programs, and reward systems.
Many companies offer 6 months no interest credit. This is
often an excellent way of saving money as you are basically
given an interest free loan for those months. It's even more
valuable if you are able to transfer some of the card debt
from a different company into the interest free loan. The
best advice is to make sure you always have the money in
the bank, or in a savings account, to pay off your card when
you are taking advantage of the interest free
promotion.
That way you benefit from earning interest on your savings
at your bank, but as soon as the interest free credit period
has ended, you can pay the entire bill off without being
hit for high interest charges. If you intend to pay off
you credit card bill at the end of every month, there are
many benefit programs and reward packages available.
You can receive award points every time you make a purchase
with that card. These points can be redeemed in cash or
discounts, and can even be used for the purchase of airline
miles, etc. Some companies offer a consumer guarantee
protection on items purchased with the card, and many
will extend the warranties on those items. Many offer
discounts such as car rentals, travel insurance, accidental
damage insurance for any products you buy.
Also some companies charge an annual fee for using their
card (especially business credit card accounts), so these
should be considered against the cards benefits. If you
are not paying off your monthly credit card bills, look for
a card that offers a low interest. If you are paying off
your monthly credit card bills, look for additional card
benefits. Interest free credit periods are good news for
saving money. Credit Cards are an effective, and easy way to
borrow money for a short time. Be wise and prudent when
deciding to use credit. The bottom line is the credit
card companies want your business, and there is a credit
card out there that can meet everyone's needs.
About the Author
Cecily Backstrom is founder of All About Credit an excellent resource site dedicated to information about credit
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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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