What You Can Do for Yourself

Review your specific obligations that creditors claim you owe to make certain you really owe them. If you dispute a debt, first contact the creditor directly to resolve your questions. If you still have questions about the validity of the debt or the...

Imagine the next time you join a discussion about credit report agencies. When you start sharing the fascinating credit report agencies facts below, your friends will be absolutely amazed.

Credit reporting agencies are organizations that help credit card companies, loan companies, banks,...

Looking for a free yearly credit report? Many companies are selling credit repair secrets, credit repair kits and other information about credit issues because everyone wants good credit, many people have bad credit and most people do not know whom shall they contact and where to go for more...

College Student Credit Cards – How to Build Your Credit

Credit cards for college students are easily available online. The downside is that card issuers realize that most students do not have a particular credit strategy in mind, just a desire for easy access to credit.

Card...

I certainly cant blame you if you express disbelief and outright doubt when you read the words low APR credit card. Thats like an oxymoron thats never going to come true, isnt it? When did a credit card ever have low APR? But I assure you, there is such a thing and though its as difficult to...

Credit scores are enormously important to both borrowers and mortgage lenders. In the same way that doing better in work, sports or at school produces real benefits, the same is true with credit scores.

With good credit you can borrow more and pay less. With a mortgage, a borrower with...

College is the place where most of us get our first taste of financial freedom and the responsibility that goes along with it. Inexperienced with debt, college students may apply for a cash back credit card thinking that it sounds like a no lose situation. They hope to charge large ticket items...

You’re faced with a dilemma. It’s the end of the month and you have a stack of bills due. You were hoping to go on a special weekend getaway with friends, but don’t have the money to pay all your bills and enjoy the trip. You realize something has got to give, so you decide to...

Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Dont miss the fine print as that...

I am often asked the question; What does bad credit cost me?

It is a hard question to answer because of the individuals circumstances and the fact that lenders are competing fiercely for customers.

But I will give it my best shot.

Mortgages

If you know your credit...

College Credit Cards – Smoothing Out Your First Credit Wrinkles

College student credit cards have replaced student loans as a freshmans first experience with student credit. At the sophomore level, out of a sample of 100 students, over 90 are found to hold at least one college...

Credit card companies charge fees of some sort or another. The key is to find a card with the lowest fees for the services you use. For instance, if you use cash advances, then investigate those fees with credit card companies before you sign up with them.

Upfront Fees

Not every...