Potential Credit Card Scams
So when you’re working to perfect your credit, beware of potential scams that can hurt you along the way. With new technology that is always getting better and smarter you need to be careful of the...
View ArticleNew Credit Score Rules
With the current economy and the real estate bubble that has been experienced of late, credit scores are becoming even more important, well, high credit scores that is. While the credit score cut off...
View ArticleFree Credit Score
What used to cost you $15.95 is now free. As of January 1, 2011 lenders will be required to tell you the reasons why you may have been charged a higher interest rate and most commonly this is because...
View ArticleTop Tips For Better Credit
Pay your bills on time. No brainer there but the surest way to quickly get bad credit is to miss a payment or be late. Don’t go near the max. Your maximum credit limit that is. Try to keep your debt...
View ArticleNew Or Used?
Conventional wisdom has long been that when you buy a new car it loses value as soon as you leave the lot. And that is probably still true. However, there may be some distinct advantages of buying a...
View ArticleCARD Act Deemed A Success
It’s been a full year since the complete implementation of the CARD act and so far it looks as if it has been a success. Even though the past year has brought on tighter credit availability and a rise...
View ArticleDemystifying Credit Myths
Your job and your income have absolutely no effect on your credit score. In fact, you could have an almost perfect credit score with no job, no income or reliable source of income provided you were...
View ArticleWhat Do You Know About Credit Scores?
While it seems that the majority of American’s are familiar enough with credit scores to realize how important they can be for their financial lives many still have confusion about the different...
View ArticleThe Crazy Credit Catch-22
Remember Catch-22 and that “damned if you do, damned if you don’t” mentality? Well that is exactly how credit works these days. If you are responsible, pay off all your debts on time and live a...
View ArticleCredit Card For Bad Credit
If there has been any lesson that has been almost universally learned in the past few years of the struggling economy it is that very few people are immune to financial problems. Even people who had...
View ArticleNeed to Improve Credit? Start By Lowering Debt
Paying your creditors on time each month is an excellent way to improve your credit score. Timeliness makes up 35% of your credit score, and when you pay on time, this triggers positive activity on...
View ArticleA Guide to Sharing a Credit Card with Your Partner
There are many different financial products you can apply for jointly with your partner or spouse, such as bank accounts and savings accounts for example. However, it isn’t actually possible to apply...
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5 Great Reasons to Use a Credit Card
These days there are so many great reasons why you should use a credit card instead of cash when you shop for pretty much anything. Many of these reasons are highlighted on your credit card agreement....
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Should You Use Department Store Credit Cards?
Do you apply for, and use, department store credit cards? Do you think there are any advantages or disadvantages to using them? Some of the disadvantages really only apply to people who are unable to...
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Life Without Credit Cards
Is it possible to go through life without ever having a credit card? Some people use credit cards everytime they make a purchase. Others may only use their credit cards for big ticket items. And some...
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Things to Consider When Looking for a New Credit Card
When it comes to choosing a credit card these days, the choices are endless and new options pop up all the time. Financial institutions want your business and they will offer quite an array of...
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Credit Card Mistakes To Avoid
Some think credit cards are a necessity and they abuse them. In fact quite often they use them to support their lifestyle on a daily basis. Others use their credit cards wisely and are very careful...
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How to Protect Your Identity Online
There used to be a time when many Americans were afraid to pay for anything online because they thought their financial information might be compromised. Now, the majority of Americans think nothing...
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5 Ways to Manage Your Credit
Reputation is very important — whether in your personal life, at work, or where your finances are concerned. Your credit score is your “financial reputation”. The better your credit score, the more...
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The Importance of Credit Counseling
Debt is not an easy matter to handle. Unfortunately, people in debt often find it necessary to hide the fact, mostly because of the stigma attached. Many see debt as a sign of irresponsibility and lack...
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