Credit Information

19,178 Identity Theft Victims Per Day - Are You One Of Them?


Identity theft statistics are shocking. And we are told that it will only become worse, before it gets any better.

Credit Damage: Getting Compensated for Your Loss


Until recently lawyers for victims of credit damage had little possibility to collect for damages beyond medical treatment, lost wages and property loss. Insurance companies threw up their hands in sympathy, claiming victims can only be compensated for what can be measured - tangible goods and services.

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days


In Less Than 30 Days. "What can you do to increase that set of three numbers on your credit report that can be so important with your financing?" I came across this question as I was surfing discussion groups the other day.

To Repair Credit Is No longer Satisfactory - Learn How To Earn A Millionaires Credit In 30 Days...


To repair your bad credit does not necessarily mean that you now have a good credit, absolutely not. When most people have bad credit, they either purchase a credit repair book or seek a credit expert help.

4 Steps to Creating Good Credit


As a consumer you've learned the importance ofestablishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.

Beware of Falling Minimum Payments


If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don't be so quick to "jump for joy". What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a lifetime.

Convenience Can Be Costly


You've just opened your credit card bill and attached to your statement you find a "convenience check" included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000.

Credit Repair Scams


"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've probably seen these headlines and others just like it promising to clean up or "fix" bad credit. For someone who suffers from a bad or poor credit rating, these headlines are certainly an appealing offer.

Debit Card vs. Credit Card, What Are The Differences ?


Ah, the "good old days". If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday.

How Healthy Is Your Credit


There's only one way to discover the "health"of your credit. You need to examine your credit report.

Top 5 Credit Misconceptions


We have all heard the rumors?from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores.

Your Guide On Choosing a Credit Card To Suit You


Reach into your wallet or purse, pull out a card, swipe, and you're done. It is very easy to use a credit card.

4 Steps You Can Take If Your Online Credit Card Application Has Been Refused


Help! I've Been Turned DownYou received an envelope in the mail with a great offer for a low interest credit card. You read all the details, even the boring small print and decided that this card fit your needs to a tee.

7 Surefire Ways To Repair Bad Credit


Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national 'disease.

5 Surefire Ways To Eliminate Credit Card Debt


Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an over-the-limit charge, and that number skyrockets.

More Resources

Finance:Credit Articles from EzineArticles.com


11/12/2021 10:12 AM
4 Ways For Small Business To Reduce Their Card Processing Fees
If you don't want to pay hefty credit card processing fees, you may find this article helpful. According to small business owners, it is overwhelming to pay hefty fees for card processing. The statistics released by the Bureau of Labour Statistics tell that half of the startups fail within the first 48 months.
10/19/2021 06:55 PM
4 Top Factors To Calculate Your Credit Score
Irrespective of the type of loan you apply for, a good credit score is important. Lenders check your credit score and report before approving your loan application. However, do you know how your credit score is calculated? Do you know How Does it Impact Your Loan Borrowing?
10/19/2021 06:12 PM
Tips To Freeze Your Credit
Earlier we had talked about increasing the credit score, but in this chapter, we will discuss about how to freeze one's credit report. Basically a credit freeze will allow you to seal your reports and use a personal identification number (PIN) that is known only by you and you can use it then to thaw your credit when legitimate applications for credit and services need to be processed. The extra layer of security means that ill will people cannot establish new credit in your name even if they have your personal information.
10/19/2021 06:01 PM
Bad Credit Loans Guaranteed Approval No Guarantor
Are you looking for a loan with no guarantor? Apply now for up to ?1100 and have the cash in your financial institution account identical day, if permitted! The application manner is straightforward with no guarantor or paperwork wished. The first-rate element is which you without a doubt don't need to fear about your credit rating. Fast loans, no guarantor, no trouble.
06/22/2021 10:12 AM
Myciti Login - At Www Myciti Com - Step by Step Guide
Myciti Login -- CitiBank has begun issuing client internet portal site at www.myciti.com. This internet portal site has been specially intended for the clients to get all of the important information and services furnished by the business
06/17/2021 11:58 AM
Do You Understand The 5 Components Of Your Credit Score?
In the last, half - century, or so, the amount of, and number of people, using some sort of personal credit, has significantly, grown and increased! Although, credit reporting agencies, freely, publish, how the calculate, one's score, many appear to be, confused about, what is needed, and necessary, to protect, and improve, yours! It is significant, the three, major agencies, use, slightly different criteria, and/ or, measures, to calculate these, and, therefore, it is wise, to check your report, with, each of these, at least, once per year!
04/26/2021 08:44 AM
Understanding the Process and Operations of the Credit Bureaus
Most of your lenders and the Banks want to keep you in the shadows. Why? Likely in light of the fact that the world's most intense keeping money premiums urgently require purchasers to get tied up with a couple of oft-told legends which sustain their organizations.
01/06/2021 10:21 AM
Easy Credit Repair Services to Improve Your Credit Rating
Standing credits can be deteriorated for varied different reasons. The process of fixation of such poor credit standings is referred to as Credit repair. Apart from this, credit repair can also used to deal with particular financial issues (budgeting, addressing legitimate concerns on the part of lenders etc.). For most effective credit repairing services at an affordable price, get in touch with White, Jacobs & Associates, the leading company in providing credit repair in Atlanta.
10/12/2020 10:00 AM
Cash Against Credit Card in Mumbai
Hello CC holders, Easy steps are being done over there to induce your cash at any time. Not only simple swipes are being done, also with less tax deductions at the time when you are in need of money. When obtaining cash there are several simple ways that of repaying wherever you've got to repay the money at correct period of time.
01/28/2020 02:53 PM
5 Steps To Improve Your Credit
Whether, you are focused on, becoming, as prepared as possible, to purchase a home, of your own, or, you are concerned about any aspect, of maximizing your personal credit, in a personally, beneficial way, it's important and essential, as well as wise, to pay keen attention, to credit - related issues, and to take, every possible step, to maximize your comfort zone, and proceed throughout life, in a far less stressful way! Having been involved in finance, and financial planning for decades, as well as a Real Estate Licensed Salesperson, in the State of New York, for approximately 15 years,...
04/23/2019 02:31 PM
Best Credit Repair Programs Guide: Learn to Tell the Difference Between Good and Bad Companies
If you're tired of getting turned down for credit cards and/or loans, it's probably time to work on repairing your credit report. and you Many people turn to professional services since it can be a difficult process to review the reports, have negative items removed, and to work on repairs. However, not all of these services are worth the time and investment. Some are outright scams. What do the best credit repair programs offer?
04/23/2019 02:07 PM
Best Credit Repair Services - How Can They Help You Fix Your Credit Reports?
As long as you are careful with your choice, it's in your best interest to choose a reliable credit repair service. A good company can help you build your credit back up and increase your score though a variety of ways, such as negotiating with lenders to change or remove negative reporting, take advantage of loopholes in reporting regulations, help you manage your accounts, and so forth. If you are a victim of identity theft or fraud, you'll definitely want the best credit repair company possible to help you fix all of the damage caused to your report.
04/23/2019 02:05 PM
Good Credit Repair Companies - What Exactly Do They Offer? How Can You Avoid Bad Offers?
Having a good credit score of 700+ is ideal for everyone. It's difficult to take out loans, open up a new line of credit, buy a house or vehicle, and many other things if you have either poor credit or no credit at all. We all go through a difficult time in our lives which often results in messing our credit up. On top of everything, annoying debt collectors keep calling and sending letters - sometimes threatening to sue. In the worst cases, they DO sue. One of the best ways to deal with this kind of mess is to look for good credit repair companies.
03/07/2018 11:49 AM
Test Your Credit Score Knowledge
A good credit score means you'll qualify for a better interest rate! 'Credit profile', 'credit score, 'credit assessment': if you're thinking of taking out a home loan, these are important terms you'll need to learn more about.
02/15/2018 02:22 PM
How High Should My Credit Score Be?
Here are a few general rules for your consideration. Your minimum credit score needs to be at least 650. But if your credit score is below 650, there are ways to fix it. This article will explain how you can start to fix your credit.
01/30/2018 09:13 PM
Choosing the Best Money Transfer Provider
If you need to send money online, then you will discover that there are so many ways in which you can be able to do all this. There are so many exchange services that can be applied to make the transfers. However, it is usually very hard to choose the correct provider for the services. You need a reliable and well-priced provider. This can be hard but in the end, you can enjoy great savings if you do take your time to make the choice. Some of the factors worth consideration include:
10/19/2017 04:40 PM
In The Hall Of The Credit King
Credit has a love-hate relationship with the general populace. On one hand it allows us to buy stuff we want without having to pay on the spot, on the other hand it can spiral out of control, and leave us having to pay more than we bargained for. The latter isn't really anyone's fault except the person responsible for their card.
09/29/2017 04:02 PM
Reasons Your Money Is Better Off With a Credit Union
Today's consumers have many options when it comes to their finances but very few research those options. If you are currently banking with a mega bank and are not happy with your service then you might want to check out your local credit union. Here is a breakdown of benefits of banking with a credit union vs. a "big bank".
09/29/2017 09:43 AM
How to Use Your Credit Card Smartly?
Gone are the days when only a handful of people used these Cards. The present scenario narrates a different story and every individual today swipes his or her Credit Cards for making purchases.
09/04/2017 09:36 AM
Strategic Trade Risk Mitigation Solutions
If a business owner is planning to expand their base internationally, they need to be equipped with the right strategies to fight off the risks and losses. This article deals in the strategies that a business can adopt when it plans to trade internationally. These measures can help the business stay safe from impending risks.
09/02/2017 11:29 AM
Trade Finance As A Business Development Strategy
When it comes to your business development strategy, you want a method that will help your small business expand and grow. Here is how trade finance helps.
09/02/2017 11:27 AM
Structured Trade Finance - What Does It Mean?
Structured trade finance supports 1/3rd of the global trade activities. It encourages the free flow of capital goods and commodities from one country to another. It is used primarily in the commodity sector.
08/05/2017 10:15 AM
Stay Out of Debt by Discarding the Credit Card
It is probably the greatest money cow the banks have ever seen. The credit card is a trap to woo people into spending what they don't have. That becomes a debt for which many won't be able to repay on time.
07/24/2017 07:57 AM
Credit Cards and Bankruptcy
The inevitable trap of credit cards and the preying by banks on their victims may lead many to bankruptcy. There is no easy way out of financial situations when income simply does not match expenditure. We all want the latest and best things on the market and many acquire them through loans on those pieces of plastic.
06/25/2017 09:15 AM
Protect Your Credit While Traveling This Summer
The summer travel season is underway and it's time for the family to relax after a long winter. While you are enjoying your summer vacation it's also important to protect your identity. Travelers can be targeted so it will be important to consider these recommendations while traveling.
06/21/2017 08:49 AM
The Importance Of Credit Cards Today
Credit cards are the best thing to happen to humankind. They probably come second only to the discovery of chocolate and chicken soup. Nothing beats that.
05/22/2017 08:55 AM
Credit Cards - Avail Flexible Credits If Well Managed
Plastic money is the most common form of money that is in circulation these days. It is available in different forms such as debit card, credit card, and many others. Though there are many forms of plastic currency available, credit cards occupy a very prominent place among others.
05/11/2017 04:28 PM
Central Bank Chicanery and We, the Revenue Units
The Oxford English Dictionary defines "chicanery" as, "legal trickery, pettifogging, abuse of legal forms; the use of subterfuge and trickery in debate or action; quibbling, sophistry, trickery." You need not read past, "legal trickery," to understand the overlooked impact central banks have on we, the revenue units. But perhaps more worrisome is where central banks appear headed.
05/04/2017 07:56 AM
How To Buy Furniture With Various Credit Options
This article intends to shed some light on the financing options for shopping furniture and what to look for while buying furniture on credit. This article also discusses various shopping tips.
03/16/2017 02:44 PM
FICO Credit Scores Vs FAKO Credit Scores
You need to understand that there are many different types of credit score algorithms the BIG 3 Credit Bureaus use! 90% of Lenders use a FICO score but have FAKO scores or "educational" scores also. You must know the difference so you can reap the financial rewards that come with having a good FICO credit score.
03/03/2017 02:26 PM
Payment Gateway and Credit Card Processing
Payment gateway is a term that every one dealing with credit card processing is aware of. With the rise in electronic means of money transactions, paying through debit or credit card has become a normal event for majority of us. But for merchants and small businessman understanding the intricacies of the money transfer through these means is a must.
03/02/2017 03:13 PM
Important Facts About Credit Cards
Credit Card is very beneficial to anyone if used wisely. In this way a credit card can be very beneficial. So, read these facts on how to play safe with your credit card. It will help you in avoiding unwanted charges.
03/01/2017 08:33 AM
Benefits of a Credit Card
Every bank is people friendly, and they have a variety of credit cards to assist people in case of emergencies or untoward situations. You can select any card suitable to your lifestyle and their customer-friendly executives are always at your beck-and-call for assistance. All the credit cards have cash back schemes, reward points and offers any time of the year. Having a credit card offers you the convenience of making one payment compared to paying cash for various services.
02/09/2017 03:14 PM
Business Credit Cards: Give Your Business The Advantage It Needs
There are a lot of business owners who want to accelerate the growth of their business, but it's usually dependent upon having a little bit more ready money. With this, they would be able to advertise more, replace old or buy new equipment, increase their inventory in order to sell more items, etc. Some business owners take matters into their own hands by funding these expenses from their personal stash.
01/25/2017 12:20 PM
Client From The Future
I met a future client the other day. The reason I call him a future client is, like too many people, he has less than ideal credit. Like many people, it was not his fault.
12/28/2016 02:33 PM
Things You Must Know About Paying Off Your Mortgage
Every homeowners dream is to be able to pay off their mortgage and live in a free and clear home. Many homeowners do not even think about paying off their home loans and think it is almost next to impossible for anyone to have a home without a mortgage.
12/28/2016 09:00 AM
The Problem With Rolling Over Credit Cards
A pocket full of plastic money gives one a feeling of success and security. Using credit cards for purchases is so easy, choose what you want to buy and pay for it with a piece of plastic instead of cash: bought, done. That is fine as long as you keep your spending limited within your monthly income and pay the full amount of your accounts by the date due.
12/28/2016 08:34 AM
The Right Choice With Credit Cards - A Deep Thought
The credit card has become the most convenient and common instrument through which you can make all your payments. These cards have topped the list of modern short-term credit facilities and are proven to be the cheapest form of credit and are easily accessible at any POS point. Keeping all the benefits rendered by the cards, a majority of the population who are in need of short-term credit would like to go for a credit card over the other modes.
12/06/2016 02:18 PM
Ownership Economics and Collateralizing Future Earnings
Organizing a union on the ownership side of the ledger instead of on the labor side incentivizes everyone to pull in the same direction, towards the same goals, at the same time. And when the company wins, everyone wins - not just a few at the top. And when the company loses, everyone loses, not just all those at the bottom. It also democratizes the company and eliminates the US VS THEM mentality that's so characteristic of most modern corporate plantations these days.
12/05/2016 02:04 PM
Consumer Credit VS Capital Credit: Exposing the Systematic Roots of Income Inequality
Would you like to understand the roots of income inequality and the democracy wrecking wealth gap? Check out the difference between capital and consumer credit.
11/28/2016 08:16 AM
Why Owners Prefer To Use The Best Corporate Credit Cards
In order to make business financial tasks better and more efficient, it is important to opt for credit cards for your business. With this, you can attain wonderful benefits that can get rid of financial problems.
11/18/2016 02:39 PM
Avoid Plastic Pitfalls This Holiday Season
With the holidays comes excessive spending. And, most of the spending is with credit cards. Card companies do many things to attract your business by aggressively promoting low rates and special offers. Beware this holiday and try and avoid the pitfalls of using plastic.
10/25/2016 09:23 AM
How Corporate Credit Cards Work
Companies can greatly benefit from issuing credit cards to their employees. Cardholders, on the other hand, must equip themselves with the necessary information on how it works to avoid pitfalls.
10/18/2016 08:16 AM
Make 'Interest Free' Work for You
It's true when they say nothing is free, so when you hear offers of interest free periods there is almost always a catch. That's not to say you can't take advantage of this free money while putting your money to work, follow these tips and you can start smashing the savings. 1.
10/03/2016 03:55 PM
Recent College Graduate - Beware of the Credit Trap
Our eldest daughter recently graduated from college (1 down - 3 to go). She headed West to take an internship that will assist her in obtaining some certifications that she needs. During her college years our mailbox was filled with Student Loan companies making sure that she knew that they were there for her - to lend her what she needed to complete her degree. Now that she has her degree - our mailbox is full of offers from credit card companies offering her the credit that "she needs" to get her life in full gear.
09/08/2016 11:29 AM
The 5 C's of Business Credit
The 5 C's of business credit are: 1. Character 2. Capital 3. Capacity 4. Collateral 5. Conditions - Character is all about you. It's about your personal history, your stability, and how reliable you are.
08/30/2016 11:27 AM
The Importance of a Credit Report
Your credit report in combination with your credit score is as important as the air you breathe. Without it, you won't stand a chance or survive in the United States. To most of the country, you are just a number in conjunction with a credit history. It does not matter whether you are good person, volunteer, lie or cheat. It only matters how responsible you are with your personal finances.
08/10/2016 08:41 AM
What Shows Up When Someone Does a Credit Check?
Do you know what shows up on your credit report? This article outlines what does show up on when someone pulls your credit report, and a few items that won't show up on your report.
08/08/2016 08:06 AM
Credit Karma Free Score: Is It Accurate for Credit Repair?
The importance of regularly checking credit reports is not lost on many people. It remains the fastest and most effective way to monitor your credit score and protect yourself from identity theft. By reviewing your report on a regular basis, you are able to catch any discrepancies early and report them before they implicate you in any criminal activity. Furthermore, you can keep a close eye on your credit score thanks to the detailed credit report. The reason why many people shy away from this seemingly simple task is the steep charges associated with accessing this information. Generally, a fee of between $15 and $20 is incurred every month you get your credit report.
07/29/2016 04:52 PM
Credit Card Processing: The Working Mechanism Behind the Whole Process
Having the intimate knowledge about the inner-workings of the bankcard system is not mandatory but then there's no harming in knowing it. Understanding how things actually work is a good approach, as fees are incurred at times at one or the other stage.


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Related Articles


3 Free Credit Reports For You
If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it.
Recognizing the Signs that You Might Need Credit Counseling
Most families in America today have a credit card; some have two or more. The type of credit card you own, gold, platinum, ext, is almost a status symbol in society.
Consolidating Credit Cards
Credit card consolidation is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. Basically, this means putting all your debts together on a single card, like transferring it all to one loan.
Rewards Cards: Are They Worth It?
Virtually all consumers will have a credit card at some point in their lives. Is this an understatement? Probably, as most consumers carry multiple credit cards.
How Your Credit Rating Affects You, and How to Check It
You might 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 reference agencies are Experian, Equifax and Trans Union.
Credit Cards: Pros and Cons
Sure, there are a lot of problems with credit cards, but there are a lot of good things attached to them as well. For instance, if you have a small business, fleet credit cards can keep your books in order when you issue them to drivers of company vehicles for gas and automobile repairs.
Credit Card Dirty Tricks
There are many of us that have been badly stung by credit card companies that have charged exorbitant fees to use their credit cards. Several years ago an APR of 25% to 29% was common place which in simple terms means that if you borrow £1,000 your interest on that money would be £250 to £290 a year.
7 Compelling Reasons Why A Prepaid Debit Card May Be Just The Financial Tool You Need
Prepaid debit cards are great financial tools and may be just the financial tool you need. Here a seven compelling reasons why:1.
Which Credit Card?
Bewildered by the sheer variety of debit cards and credit cards? Here is a breakdown of some of the main types of debit and credit cards available:Debit cardYou can use a debit card to buy goods and services. A debit card is very much like a cheque, unlike a credit card, you pay for goods straight away and the money comes out of your account quickly.
It Takes Credit To Build Credit
Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail.
Dealing With A Collection Agency
Step I - Selecting A Collection AgencySelecting a credit collection agency is perhaps the most important and difficult task. Some factors you must consider while selecting a collection agency are:- Experience and professionals - Geographical presence - Expertise - Fees and charging model - Customer references - Collection Agency Services has covered this topic in depth through various free collections reports and articles on this site.
Beware the Shopping Mall Monster
Like me, you've probably been offered a fair old number of these by now..
Credit Repair Myths and Facts
There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary.
Different Ways to Borrow Money
There are many different ways to borrow money. Outlined below is a useful guide to some of most common ways of borrowing money.
Credit Repair Scams
"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've probably seen these headlines and others just like it promising to clean up or "fix" bad credit. For someone who suffers from a bad or poor credit rating, these headlines are certainly an appealing offer.
10 Simple Steps to Manage Your Credit
By far the greatest invention the banks have ever come up with came out in the 20th century. Also the new field of Credit Management was born with the invention of the credit card.
Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can.
Credit Cards - The Top 3 Things You Need To Know
Today there are so many different credit cards available, studentprepaid, low interest cards etc. that it has becomes a real hassle to find the right one that will suit your needs.
Ways to Look Good without Selling Your Soul to the Credit Card Sharks
1. Buy clothes at thrift stores.
SuperCharged Secret 5, Credit Card Utopia
LIVING IN CREDIT CARD UTOPIALet's just take a brief moment to recap:If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 4 very important things:You now know how to take advantage of zero to low interest credit card offers.You now know that there is safety in numbers, and you know the magic "Who's Who" of the major credit card companies.