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Do You Need Credit or Insurance? By : lar Your credit score helps determine what you’ll pay for credit or insurance. What Are Prescreened Offers of Credit and Insurance? By : lar You may call it junk mail or it may be the answer to your financial woes. Some Credit Information You May Not Know By : lar Here is some credit information that you may not have heard of before. Getting Credit When You’re Over 62 By : lar Credit is an important money management tool for both young and older consumers. Yet the elderly, particularly older women may find it difficult to get credit. What Does Equal Credit Opportunity Mean? By : lar Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. What Is Credit and Debit Card Blocking? By : lar What is credit or debit card blocking and how does it affect you? What Kind Of Credit Card Should You Get? By : lar There are many choices in credit card land. How do you make an educated decision? Always Protect Your Credit Cards By : lar You are the first line of defense for your credit cards. These are the things you can do to minimize your risk. Receiving Your First Credit Card By : lar You applied for and received your first credit card – now what? Solving Your Credit Problems By : lar Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. Credit Harder To Get And Less In Demand By : Jemma Tipping A new Bank of England report has shown that the availability of loans and other types of credit are set to greatly diminish in 2008. The latest Credit Conditions Survey released by the Bank have shown a number of lenders are becoming stricter about who they will give credit to. The credit crunch has had a serious effect on lender’s faith in consumers, checks have become more vigorous and lending criteria much tighter. Lenders do not want to lend to high risk individuals an... 0 APR -- Qualifications You'll Need To Get A Low Rate By : Bill Hazelton Applying for a credit line offered at 0 APR is an outstanding way to save money. 0 APR credit cards mean that no finances charges are applied to your balance, when used according to the terms of the agreement. There are several instances when lenders will offer this type of scenario to their cardholders. Often it is through a one time deal, an introductory offer or perhaps a special promotion to encourage you to sign up for the credit card. In all cases, the terms and conditi... What To Do If You Have Credit Problems By : lar Here are some basic steps to take if you have credit problems. How to Spot Credit Repair Scams And Correct Your Credit History Yourself By : lar With the sub-prime meltdown, the credit repair scam artists will be out in full force. Nothing But The Real Truth About Credit Repair By : lar Don’t believe everything you see in the papers or hear on TV about credit repair. Credit Report Questions and Answers By : lar What is a credit report (also known as a credit file or profile)? Do You Really Know How to Improve Your Credit? By : lar Repairing your credit is not a quick fix. It takes time, planning, and budgeting. Questionable Credit Repair Offers By : lar Are you trying to get your credit repaired? You should read this. How To Spot Credit Repair Scams By : lar Spotting credit-repair scams is getting harder every day. Fiscal Fitness For 2008: Choosing a Credit Counselor By : lar Choosing a credit counselor may be the most important decision you make. Don’t Despair With Credit Repair By : lar Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. How To Dispute Mistakes On Your Credit Report By : lar Credit card reporting companies can and do make mistakes on your credit report. Negative Credit Can Affect Your Job Search By : lar Many employers run credit checks before hiring new employees. How To Use The Fair Credit Billing Act (FCBA) To Your Advantage By : lar Have you ever been billed for merchandise you returned or never received? Installment Loan Versus Line Of Credit By : Peter Kenny There are times when consumers simply need to borrow money. As most people know, there are many different ways to borrow money. Two of the most common ways are through either an installment loan or through a line of credit. Knowing the difference between the two can be important. One of the best ways to make your choice is to know which type of loan will best suit your needs. A line of credit offers most consumers a more flexibility type of loan than a installment loan.... Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay By : lar How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. What Is The Credit Repair Organizations Act? By : lar Do you know what your credit rights are? Credit Repair: Don't Get Scammed By : lar Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. What Can I Do To Improve My Credit Score? By : lar Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. Credit Repair Scams: The Warning Signs By : lar I am sure that you have seen the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims: Credit Insurance: Is It Right for You? By : lar The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question. Divorce and Credit–Are You Liable? By : lar Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards. How To Protect Your Debit and Credit Cards By : lar The best protections against card fraud are to know where your cards are at all times and to keep them secure. For protection of ATM and debit cards that involve a Personal Identification Number (PIN), keep your PIN a secret. Don't use your address, birth date, phone or Social Security number as the PIN and do memorize the number. Become familiar with the Fair Credit Billing Act (FCBA) and the Electronic Funds Transfer Act and know what your liability is. What Do You Do If Your Credit or Debit Card is Lost or Stolen? By : lar Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen. The Real Steal - Credit Card Loss Protection Offers By : lar If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection. Your Debts and Debt Collectors By : lar You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit Billing and Electronic Fund Transfer Statements By : lar With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Credit and Your Rights By : lar A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Equal Credit Opportunity – What Can Creditors Do? By : lar Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Credit - You Have The Right To... By : lar Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Applying for Credit – A Regular Catch-22 By : lar We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Poor Credit By : Godfrey Philander If you have poor credit, you might feel the journey is impossible. It is possible to get a credit card if you have poor credit, but it may come at a costly fee. In most cases, people with poor credit or current debt problems often believe there is no escape. How To Build A Solid Credit Rating From Scratch By : Peter Bolduc Building a solid credit rating from scratch is not as difficult as one might think. The reality is that you can establish a decent Credit Score in as little as 3 months and have a solid rating around the 12 month mark. From that point, if you maintain proper borrowing habits, you can have an impeccable rating for the rest of your life. Things to Watch out For When Applying for a Credit Card By : Peter Bolduc It would be nice to think that all credit card issuers are fair and just, however, such is not the case. Not all credit cards are the same, nor are those that issue them. Many try to take advantage of of an unsuspecting public. Below are a few pointers to look out for when applying for a credit card. The Pro’s And Con’s Of A Home Equity Line Of Credit By : Stu Pearson Do you own the house you are living in? If you do, your home might be your greatest asset. But if you have unfortunately agreed to a loan that is based upon the equity you have in your home, you could be taking a chance with your most precious asset. Homeowners, particularly minorities and the elderly or anyone with poor credit should be very careful in borrowing money based on their home equity. This is because there are exploitative and abusive lenders that target and ta...

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