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Your Debts and Debt Collectors By : lar You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit Card Options With A Poor Credit Rating By : Michael D. Strauss Having a bad credit rating is never something to be desired, but help is at hand for credit-impaired people who want a credit card. Many companies offer precisely this kind of product, and competition is hotting up. Your Credit Billing and Electronic Fund Transfer Statements By : lar With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Credit and Your Rights By : lar A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Why Rewards Credit Cards Could Work For You By : Michael D. Strauss More and more people are finding that using a rewards credit card earns them valuable benefits over the course of a year. Seeing as you work hard for your money, why shouldn't your credit card work for you too? Why Choose A Gas Credit Card? By : Michael D. Strauss Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card? Why Can't I Get a New Credit Card? By : Michael D. Strauss After enjoying years of easy access to credit, many people are now finding their applications are being denied. Why is this, and can anything be done? Which Kind Of Credit Card Should I Choose? By : Michael D. Strauss There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements promoting features you may not need. When Not To Use A Credit Card By : Michael D. Strauss Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble. What To Do If You Have Credit Problems By : lar Here are some basic steps to take if you have credit problems. What To Do About Negative Information In Your Credit Report By : lar Do you know what the laws are regarding negative information in your credit report? What Kind Of Credit Card Should You Get? By : lar There are many choices in credit card land. How do you make an educated decision? What Is Utility Credit? By : lar Will you be left in the dark if you can't get utility credit? What Is The Truth about Credit Repair? By : lar Got bad credit? Want to get it repaired? Can you handle the truth? What is the credit? By : elakelak What is the credit? What Is The Credit Repair Organizations Act? By : lar Do you know what your credit rights are? What Is Credit Denial And What Can You Do About It? By : lar If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days. What Is Credit Card Universal Default? By : Michael D. Strauss Most people are aware that your credit card company may raise the interest rate if you miss a payment. What's less well known is that missing payments on other finance can also push up your card's APR. What Is Credit and Debit Card Blocking? By : lar What is credit or debit card blocking and how does it affect you? What Does Equal Credit Opportunity Mean? By : lar Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. What Do You Need To Know to Apply for a Credit Card? By : lar All credit cards are not the same. You need to find one that matches you and your spending habits. What Do You Do When You Finally Pay Off Your Credit Card Debt? By : lar After you pay off credit card debt, you may want to consider putting all of your credit cards in the blender and turning them into mulch. The weight of the credit card debt is finally off of your shoulders and you don't want to go through it again. What Do You Do If Your Credit or Debit Card is Lost or Stolen? By : lar Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen. What Can I Do To Improve My Credit Score? By : lar Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. What Are The Benefits Of Having A Credit Card Account? By : Michael D. Strauss Credit cards are almost ubiquitous these days with most adults carrying at least one. What are the benefits that have made them so popular? What Are Prescreened Offers of Credit and Insurance? By : lar You may call it junk mail or it may be the answer to your financial woes. What 0% Credit Cards Could Do For You By : Michael D. Strauss Credit cards with an introductory 0% deal offer undoubted advantages to their holders. How could you benefit from applying for one? Understanding the Ins and Outs of nYour Credit Score By : Peter Bolduc As recent as a few years back, the term "Credit Score" was not very commonly used in our society. Today, however, due to a number of factors such as increase Identity Theft and mass media marketing campaigns there are very few who are not aware of the term Credit Score. The goal of this article is to add understanding on the personal to the recognition of that term. Tricks Credit Card Companies Use To Ramp Up Your Bills By : Michael D. Strauss Credit card companies are notorious for squeezing every last drop of profit out of their customers. Find out the ways they do this and how to keep in front. Transferring Balances of High Interest Rate Credit Cards By : Brian Shoemaker You just received the latest bill from your present credit card company. The balance is huge not to mention a high interest rate. When you signed up for the credit card, you didn't take into consideration the high interest rate. Now you realize it is going to take you forever to pay off the balance. Is there anything you can do? Tips For Finding The Right Credit Card By : Michael D. Strauss Not all credit cards are created equal, and it's important for your financial health that you get the right one. Find out what you should be looking for when making your decision. Three Reasons To Check Your Credit Card Statement By : Michael D. Strauss Opening and reading your credit card statements every month can easily be neglected in favour of other more interesting activities, but this could be a mistake. Read the three reasons you should stay on top of your statements. Things to Watch out For When Applying for a Credit Card By : Peter Bolduc It would be nice to think that all credit card issuers are fair and just, however, such is not the case. Not all credit cards are the same, nor are those that issue them. Many try to take advantage of of an unsuspecting public. Below are a few pointers to look out for when applying for a credit card. There Is No Quick Fix For Improving Your Credit Report By : lar It takes time to repair you credit – it can't be done overnight. The True Cost Of Late Credit Card Repayments By : Michael D. Strauss Despite the recent reductions in the amount you're charged for making a late payment on your credit card, it's still best to avoid it when you can. Find out why there's more than a simple fee involved. The Seven Deadly Sins Of Credit Card Use By : Michael D. Strauss Credit cards are a very convenient part of modern life, but can lead to trouble if not used carefully. Find out the seven biggest mistakes to avoid. The Real Steal - Credit Card Loss Protection Offers By : lar If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection. The Power of a Gas Credit Card By : Michael D. Strauss With fuel prices sky high, many people are looking for ways to cut their bills. Could a gas reward credit card provide an answer? The Bare Minimum You Should Expect From A Credit Card By : Michael D. Strauss The credit card has over the years evolved into a complex beast, with many often conflicting features to consider before applying. Before comparing the extras tacked on to a card, you need to make sure the basics are right if you're going to get a good deal. Student Credit Cards - A Safe Choice For College Students By : Michael D. Strauss College students have very particular needs from a credit card. Luckily, more and more issuers are bringing out products specifically tailored to those needs. Staying Out Of Trouble With Your Credit Card By : Michael D. Strauss While credit cards can certainly be convenient and useful, they can also pose dangers to your financial wellbeing. Following a few simple rules, however, will keep you out of trouble. Some Credit Information You May Not Know By : lar Here is some credit information that you may not have heard of before. Solving Your Credit Problems By : lar Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. Simple Steps to Prevent Credit Card Fraud By : Michael D. Strauss Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you. Should You Get A Gold Or Platinum Credit Card? By : lar What are the benefits of having a gold or platinum credit card? Self Help May Be Best When It Comes To Credit Repair By : lar Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? Selecting An Appropriate Credit Card For Your Lifestyle By : Michael D. Strauss With so many credit cards on the market, you need to narrow down your selections before making a choice on which to apply for. What criteria should you be looking at? Save with a Hotel Rewards Credit Card By : TheBenny Do you travel often? If so, do you generally stay at the same hotel chain? If you answered yes to these questions then owning a hotel rewards credit card would be a perfect fit for you. Save Money By Consolidating Your Credit Cards By : Michael D. Strauss If you have several credit cards carrying balances you may be able to save money by consolidating them into a single card account. Just pay attention to the interest rates and be sure the figures add up. Review Your Credit Report And Correct Errors By : lar You can get a free credit report every 12 months and should check it religiously for errors. Receiving Your First Credit Card By : lar You applied for and received your first credit card – now what? Questions to Ask When Choosing a Debt Management Counselor By : lar Have you reached a point in your life where you need a Debt Management Program (DMP)? Questionable Credit Repair Offers By : lar Are you trying to get your credit repaired? You should read this. Poor Credit By : Godfrey Philander If you have poor credit, you might feel the journey is impossible. It is possible to get a credit card if you have poor credit, but it may come at a costly fee. In most cases, people with poor credit or current debt problems often believe there is no escape. Nothing But The Real Truth About Credit Repair By : lar Don’t believe everything you see in the papers or hear on TV about credit repair. New Credit Card Processing Legislation Passed In Tennessee and California By : Kelly Brown New legislation has been passed in Tennessee and California that will change the credit card information that is printed on receipts, the information is now required to be truncated on both the customer copy and the merchant copy of the credit card. Negative Credit Can Affect Your Job Search By : lar Many employers run credit checks before hiring new employees. Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay By : lar How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. Must Your Poor Credit Score Stop You Getting A Credit Card? By : Michael D. Strauss Having a bad credit rating is obviously going to be at least something of a hindrance when applying for finance of all types. That needn't stop you taking advantage of increasingly competitive credit card deals however. Minimizing Your Credit Card Interest Payments By : Michael D. Strauss It can come as a shock to realize just how much you're paying in interest on your credit cards each month. Can you get the figures to a more reasonable level? Measuring Your Fiscal Fitness By : lar Do you need help managing your debt? Here are some tips on choosing a credit counselor. Making The Most Of Credit Card Cashback And Rewards Deals By : Michael D. Strauss Credit card cashback and rewards programs can be a very powerful benefit if used properly. How can you maximize their advantages? Making Sure Your Credit Report Is Correct By : lar Incorrect information on your credit report can cost you dearly. Make Credit Card Balance Transfers Work For You By : Michael D. Strauss The premise behind credit card balance transfers is fairly simple, but different cards offer different benefits and opportunities. Find out what you need to know to get the most out of these popular deals. Maintaining your Credit Report By : kendris Among the many things that you need to keep clean and healthy in your life is your credit report. It is a fact of life that before you can make any loans you will be substantially investigated by the people you are asking a loan from. Keeping Track Of Your Credit Card APR By : Michael D. Strauss Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too. Is It Worth Applying For A Platinum Credit Card? By : Michael D. Strauss There are many things to consider when applying for a credit card, but is being a status symbol one of them? Read why applying for a platinum credit card might not be the best course of action. Is It Time To Upgrade Your Credit Card? By : Michael D. Strauss If you've been using the same credit card for several years, you could well be missing out. Competition in the credit card industry over the years has delivered more and more benefits for cardholders. Is it time you upgraded to a better deal? Is Credit Card APR All That Counts? By : Nicholas Hunt Choosing a credit card isn't simply a matter of going for the one with the lowest APR interest rate, you need to match the card to the way you spend. Getting it wrong can be costly, so how do you decide which type of card to apply for? Is Cashback The Future For Credit Cards? By : Michael D. Strauss Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit? Introducing Credit Cards Specifically For Small Businesses By : Michael D. Strauss Although they operate on the same basic principle, small business credit cards offer distinct advantages over personal cards for entrepreneurs. Find out the differences and how they could benefit you. Information On Credit Repair Scams By : lar With many people on the verge of bankruptcy, you need to be careful about credit repair scams. Improving Your Credit Report and Score By : lar Do you really know how important your credit report really is? Improve Your Credit Score By Correcting Your Credit Report By : lar If you are looking to buy a house or purchase a car, a credit check will be conducted on you. If your credit report is incorrect, you may not be able to get that house or car that you want. Make sure your credit info is correct. If You Really Must Borrow By : lar Before you borrow, compare! Find the best deal available to you. How To Use The Fair Credit Billing Act (FCBA) To Your Advantage By : lar Have you ever been billed for merchandise you returned or never received? How to Spot Credit Repair Scams And Correct Your Credit History Yourself By : lar With the sub-prime meltdown, the credit repair scam artists will be out in full force. How To Spot Credit Repair Scams By : lar Spotting credit-repair scams is getting harder every day. How To Protect Your Debit and Credit Cards By : lar The best protections against card fraud are to know where your cards are at all times and to keep them secure. For protection of ATM and debit cards that involve a Personal Identification Number (PIN), keep your PIN a secret. Don't use your address, birth date, phone or Social Security number as the PIN and do memorize the number. Become familiar with the Fair Credit Billing Act (FCBA) and the Electronic Funds Transfer Act and know what your liability is. How to Protect Your Business from Credit Card Fraud By : William King In this article you will explore different precautions you must take for the safety of your business from fraudulent individuals and customers with whom you do transactions through credit cards. How To Prevent Credit Card Fraud By : lar Thieves are always looking for ways to access your credit card. Here are some tips to protect your credit card. How To Improve Your Credit Record Legally By : lar Don’t be a victim of quick credit repair scams. Do your homework first. How To Get Out Of Debt More Quickly By : lar It won't happen over night, but you can get out of debt and do it a little faster if you follow these steps. How To Establish Credit By : lar Your first credit card or loan is the hardest to get. If you’ve never had credit, you have no credit history. How To Dispute Mistakes On Your Credit Report By : lar Credit card reporting companies can and do make mistakes on your credit report. How To Build A Solid Credit Rating From Scratch By : Peter Bolduc Building a solid credit rating from scratch is not as difficult as one might think. The reality is that you can establish a decent Credit Score in as little as 3 months and have a solid rating around the 12 month mark. From that point, if you maintain proper borrowing habits, you can have an impeccable rating for the rest of your life. How To Avoid Free Credit Scams On The Internet - From Shirley Dipace By : Shirley Dipace The government passed a law that allows every citizen to get a free annual credit report a few years ago. This law states that they can get their credit history because of the recent increase in identity theft. This free credit report is easily available online and will give you reports from all three of the credit reporting agencies. A credit score is not going to be provided in this instance for you to view. How To Avoid Credit-Related Scams By : lar With foreclosures at record highs, and credit card defaults soaring, be aware of scam artists and their claims of quick fixes. How The Web Makes Getting A Credit Card Easy By : Michael D. Strauss The days when you had a limited choice of credit cards are long gone. The web makes it easy to compare hundreds of cards and apply online to get a quick decision. How Important Is Credit Card APR? By : Michael D. Strauss Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate. How Easy Is It To Be Approved For A Credit Card? By : Michael D. Strauss Although the days of cheap and easy borrowing appear to be over, many people are still looking for new new credit card options. How easy is it for your application to be approved? How Do You Establish A Credit History? By : lar Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? How Do You Dispute An Error On Your Credit Card? By : lar Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next? How Do I Get A Home Equity Credit Line Of Credit? By : lar Sometimes it makes sense to use the equity in your property and borrow money against the value of your house. How Can You Get A Credit Card With A Bad Credit Rating? By : Michael D. Strauss Credit cards are almost an essential these days, almost replacing cash in a lot of situations. Yet, if you have a poor credit rating, you might struggle to be approved for a card. Is there anything you can do to remedy the situation? Hot Checks - NSF Checks: The Challenge By : Kelly Brown An NSF Check is a check that was returned to the merchant because there was Non- Sufficient Funds, or not enough money in the check writers account to cover the check at the time that it cleared the merchants Bank. Grab a Slice of the Cash Back Action By : Michael D. Strauss Cash back credit cards are one of the latest and most popular crazes to sweep the personal finance industry. Find out why you should grab a slice of the action too. Getting The Most Benefit From Your Rewards Credit Card By : Michael D. Strauss Credit cards with a rewards program can be a very valuable way of profiting from your everyday spending, but to get the best out of them you need to use them wisely. Find out how to maximize the benefits you'll get. Getting The Best From Balance Transfers By : Michael D. Strauss While credit card balance transfers are perhaps not as popular as they once were, they can still offer great benefits if used properly. Find out how to make the most of the facility. Getting Free Credit Reports By : Michael D. Strauss Your credit rating is a valuable asset which you need to keep an eye on. Did you know that you can get three free credit reports every year?
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