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Students: Should You Sign up for that First Charge Card?
If you're a college student and over eighteen years of age, you'll soon be encountering your first opportunity to sign up for your own credit card. A number of credit companies will be vying for your business from tables set up in prominent places ...
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rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Paying Your Credit Cards Late Can Cost You - Big Time
If you have been late with a payment lately, you've already noticed that credit card companies have discovered a new way to generate a great deal of extra income. The average late fee today is $35.00, if you owe more than $1000. Since the national ...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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How is Your FICO Score Determined?
Perhaps you're familiar with the FICO scoring system used by credit companies to determine a potential client's creditworthiness. But do you know how that score is determined?
First, let's define the acronym FICO. It is used to describe a system de...
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rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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FICO and You
Although it may not be a term you're familiar with, the term FICO can be a determining factor as to whether or not you qualify for a credit or loan. But what is FICO, and how does it affect you when it comes to your creditworthiness?
The acronym FI...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Using Secured Credit Cards to Establish or Rebuild Your Credit
Whether you're just starting out in the world of credit or hoping to rebuild a damaged credit report, using secured credit cards can help. However, you'll need some cash to get started.
First, let's define what secured credit cards are. They are RE...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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How to Establish Your Credit
It's been a Catch-22 dilemma, especially for young people, since the dawn of the Credit Age. You want credit, but you can't get credit because you've never had credit before. It's a situation everyone faces as they begin to try to become creditwort...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Immediate Steps You Can Take to Begin 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 your ...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Need Credit Repair Help? Try Doing it Yourself!
No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an i...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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The Credit Repair Organizations Act (CROA) and You
If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, proves to be accurate, there is little you can do about it. Only the passage of time will guarantee that inf...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Credit Protection – The Best Offense is a Good Defense
Protecting your credit rating in today’s day and age is a daunting task. Not only do you have to pay your bills on time but you must protect yourself from identity theft and fraud which is the number one crime in America. By understanding how cr...
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rating : 0.00, 0 votes. Author : Tad MacPherson
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Borrower Beware - All Credit Scores Are Not Alike
Your credit score is a numerical gauge of your ability to payback loans. Anytime you want to borrow money or get credit, the lender will look up this score to determine the risk involved in lending to you. The higher the score the better, so if ...
0 reviews,
rating : 0.00, 0 votes. Author : Lee Dobbins
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Rebuilding Your Credit History
Your credit history is very important for you because when it comes to big loans your credit report will determine if you can get the loan and what rates you’ll have to pay. The credit report will matter a lot when you apply for a mortgage loan, fo...
0 reviews,
rating : 0.00, 0 votes. Author : Jeremy Zongker
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The Fair Credit Reporting Act (FCRA) and You
No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an i...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Advanced HOW-TO Credit Repair Tips (2 OF 3)
If you have been denied new credit because of your existing bad credit and you want to know WHY your credit repair rights are legally protected then you will save time and money by reading further. Let's start off by defining what the Fair Credit ...
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rating : 0.00, 0 votes. Author : Bruce Hoover
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How Credit Counseling Works
The consumer credit counseling business is a huge industry in America, since the average American is a mere three paychecks away from facing huge, potentially devastating financial difficulty. Each year, more than a million Americans turn to credit...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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Credit Card Debt: How to Become Credit Smart
Being able to buy things on credit has allowed Americans to own and enjoy things--often for years--without having to wait and pay cash for them. In that way, the concept of credit has been a boon to experiencing the American Dream. Unfortunately, t...
0 reviews,
rating : 0.00, 0 votes. Author : Jeanette Joy Fisher
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A Credit Card Can Sing A Christmas Carol
“Christmas Time, Mistletoe and Wine” How many times have you heard this so far
and its only November? A few I’ll bet, but with Christmas seemingly becoming
earlier to us each year, we will no doubt feel the need to get ahead with our present
and...
0 reviews,
rating : 0.00, 0 votes. Author : Peter Kenny
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Credit Card Applications: Is It Safe To Apply Online?
Are you wanting to apply for a new credit card but feeling hesitant to perform the credit card application online? If so, you need not be concerned. Advances in the technology of secure e-commerce have made online credit card applications literall...
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rating : 0.00, 0 votes. Author : Ed Vegliante
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Effects of Credit Cards & Loans on Your Credit Report
Effects of credit cards and loan accounts can be positive. For example, retail charge cards can be a good way to establish or improve your credit. Because the card limits are generally low, you may pose little risk to the creditor. So, you may b...
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rating : 0.00, 0 votes. Author : Chris Robbins
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Restoring Your Credit Worthiness
Have you been denied a loan? Have you been offered one at an unbelievably high rate of interest? Are you having trouble getting a new credit card? If these things have happened to you you've got bad credit!
What is bad? Can you fix it?
The most imp...
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rating : 0.00, 0 votes. Author : Neil Beaton
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How To Get A Squeaky Clean Credit Report
Maybe you've gone through a divorce and now you're dealing with a lot of high interest credit card debt, or maybe you've fallen behind on your payments after a job layoff. Whatever the reason, you fell behind with your payments, your credit report...
0 reviews,
rating : 0.00, 0 votes. Author : Dave Robinson
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Reap The Benefits Only A Secured Credit Card Can Offer
If you looking start building credit for the first time, or rebuilding your credit after a bankruptcy or credit problems, a secured credit card can be a great way to start.
A secured credit card is basically the same as an unsecured credit card; it...
0 reviews,
rating : 0.00, 0 votes. Author : Dave Robinson
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Dont Get Scammed When Rebuilding Your Credit History
For people with a poor credit history or bad credit, getting approved
for a credit card can be very difficult, if not impossible. The good news is there are a number of credit card options that are designed specifically for people who have bad cre...
0 reviews,
rating : 0.00, 0 votes. Author : Dave Robinson
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What Is A FICO And Will It Hurt Me?
The first time I heard the term FICO, I had no idea of it's meaning. Simply put, it's your credit score. A California-based company called Fair Isaac Corporation first developed FICO. FICO scores place a value on the types of accounts you hold and...
0 reviews,
rating : 0.00, 0 votes. Author : Dave Robinson
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Divorce Doesnt Have To Ruin Your Credit Rating
In 1996, I divorced my wife and with that divorce came the normal dividing of property and assets. There also was the discussion regarding our credit card debt. We were married for 5 years and used the credit cards as a couple, but the credit card...
0 reviews,
rating : 0.00, 0 votes. Author : Dave Robinson
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