Are you barely making ends meet? Dodging debt collection calls? Unable to meet your monthly expenses much less save money for emergencies or retirement? If this sounds familiar, you may want to consider credit counseling. Credit Counseling can improve many aspects of your life. It can help you...
There are literally thousands of credit cards out there to choose from. You receive offers in the mail, in your email, over the phone, and on the websites you surf to on the Internet. We are inundated with credit offers, but are all credit card offers worth taking? The answer is a definite no....
It’s no secret that identity theft has become a major problem in this country. Last year alone, more than 9.9 million Americans fell victim to this devastating crime. And it can be devastating.
Identity theft occurs when someone acquires key pieces of your personal information with...
As you start a business, you’ll be paying out money left and right for various fees and supplies needed to get things going. If you’re expanding your business, you’ll most likely be in the same situation. One of the best ways to handle expenses for your business, whether they...
The good thing about bad credit is that you can fix it. If you start now, over time, your bad credit can turn into good credit, and you could qualify for the loans you want at the rates you want. The most important aspect of rebuilding your credit after it has been damaged is showing lenders and...
When you are applying for a new credit card, or an extension of a credit or loan, your lender will review your credit report before granting you anything. So it is probably best to check up on your credit report as well. This way you can correct any inaccuracies and fix your credit report...
Insurance credit scores, more commonly referred to as insurance scores, are used by insurance companies to determine how risky a person is and how much that person will have to pay for their insurance. The use of these insurance scores has made headlines in recent years because many people...
The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesnt mean all consumers who apply for credit get it: Factors such as income, expenses, debt, and credit history are considerations for creditworthiness.
The law protects...
How To Check Your Credit Rating and Know Its Affect On You
You may not know it, but every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit...
What Does a ‘Universal Default Penalty’ Clause Mean On My Credit Card?
You apply for a credit card that has an advertised 10% APR. The card is approved and you spend money on it. Some months later you notice that the interest rate cannot possibly be 10% APR but is nearer 30%...
Credit Reports – What’s On Them, and How to Check Yours
Businesses in the United States buy more than two billion credit reports every year. Since there are currently fewer than 300 million people in the country, this means that the average adult has his or her credit reports...
What Do You Need To Know to Apply for a Credit Card?
Since finances, especially money is one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible among the unending line of financial management services...