If you have a credit card you’re likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card. Credit card balance transfers are an easy option for managing credit. Some people switch their balances...
Thanks to a new federal law put into place in September of 2005, everyone is entitled to one free credit report each year. This is so that you can verify that your report does not contain any false information, and so you can see how your credit rates. Getting your annual free report is as easy...
Why do some people get offers for pre-approved credit cards and others dont? What do car dealers know about your financial health that you dont know? The answer is your credit score.
Your credit score is a number generated by a mathematical formula to estimate how likely you are to pay...
What Makes Small Business Credit Cards Different From Corporate Cards
Everyone in business is aware that business credit cards have become increasingly popular. Business credit cards have been receiving special attention from credit card issuers: They recognize the business potential...
Obtaining and maintaining a good credit history is very important for any consumers present and future financial condition. But how does someone go about doing this?
To some peoples surprise, establishing credit is relatively simple. If you are earning a stable income and have lived in...
There are plenty of great credit cards on the market, but there are also plenty of bad ones too.
The biggest problem is that what can be a good credit card for one person can be a bad card for someone else. So, how do you know what makes a good credit card for you?
Here are a few...
Each year more and more people find themselves drowning in a pool of credit card debt. While it is comforting to some degree to be able to take solace in the fact that youre not alone, most people would also prefer being able to eliminate the credit card debt all together. While it can seem...
Of all the many different types of credit – for example, retail credit, loans, charge cards, and mortgages – utility credit may be the one that most people cannot do without. Utility credit is the credit extended to users of gas, electricity, and water services. Phone service also...
Credit card debt consolidation allows you to pay your current debts in 3-6 years. Under a debt consolidation plan, terms and conditions change. The purpose of debt consolidation is to speed up your paying time and at the same time makes lower monthly bills.
Always make sure that the new...
No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally,...
While having your own home is an important part of your financial picture, too many people make decisions without thinking things over. Many people have what I would like to call a “pie in the sky” view of life. They tend to think that when things are going well it will always be...
What is the Fair Credit Reporting Act and What you Should Know
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the...