Is your credit rating a bit higher than you expected?
Are you having a hard time understanding why your credit is so bad?
If so, why not get a copy of your credit report?
The best way to begin to rebuild your credit rating is to see a copy of your credit report. There is a good reason for this. What if there is an error on your credit report? If you have a copy of it, you can report the error and take the necessary steps to have the error removed. We know how hard it is to pay for a credit report if you are having debt problems, that is why we are offering you a free credit report to help you on your way to getting your life back.
This is just one of the many issues that face Americans when it comes to credit, credit cards and their personal history when making an application for credit cards.
In this section we will try and guide you through the process of your next credit card application and what factors that are important and should be aware of.
Best Gas Rebate Cards - Looking for a way to cut back on your gasoline expenses? You could learn to drive 55 - the speed which most experts say is the most economical on gas. You could trade in your car for a model that guzzles less of the expensive elixir. You could leave your car at home 10% of the time.
Cash Back Vs Rewards Credit Cards - Ah, the sweet rewards of using credit! Not only do you get immediate gratification with the buy now-pay later plastic, but now, many credit cards offer rewards and incentives for using their card to make purchases.
Choosing The Right Credit Card - It’s everywhere you want to be. For everything else, there’s MasterCard. Don’t leave home without it. Credit cards are everywhere – and their slogans make it clear. In the past decade, more and more companies have jumped on the credit card bandwagon
Credit Card Eligibility - Have you wondered how credit card eligibility is determined? Curious whether you’re eligible for a credit card? It all has to do with your credit rating and credit score. Here we go with a quick tutorial on what constitutes credit-worthiness and how you can make sure that you are eligible for a credit card when you want one.
Credit Card FAQs - About Applying for Credit Cards - Lots of folks have questions about credit cards but may feel shy about asking for fear of being seen as not savvy. Here's a list of frequently asked questions about applying for credit cards to bring you up to speed on what you need to know about the credit card application process.
Credit Card FAQ - Credit Card Basics - Credit cards are easy, right? You have a credit limit. As long as your balance isn't as high as your credit limit, you can pay for things with your credit card. When you pay for something with your credit card, you don't have to pay for it until later
Credit Card FAQ - Credit Card Security and Authentication - With the ever rising reports of credit card fraud, fraudulent use, internet phishing and identity theft, people are rightly concerned about credit card security. Fraudulent credit card use can be an annoyance at best, and seriously damage your credit at worst
Credit Card FAQs What If I'm Turned Down? -
So, you’ve filled out the application and are waiting for your brand new, shiny credit card to arrive in the mail. But when the letter finally arrives, you’re not greeted with a new credit card, but a denial letter instead. What to do?
Credit Card Goodies with Affinity Credit Cards -
Would you like to do something worthwhile with those cash back and reward points that you're earning on your rebate credit cards? Many major non-profit organizations would be delighted to help you do that. By making an affinity credit card your major credit card
Credit Card Rights- What Rights Do You Have? - So you've thought about getting a credit card, but all you've heard about from parents, friends, co-workers, and the like is that they are just trouble. Horror stories of over limit charges, finance charges, late fees, mysterious charges, telemarketers, and missing bills
Credit Card Traps - There are many offers on the market that target the more desperate among us with 'guaranteed acceptance' offers which could lead you into more financial trouble.
Credit Cards and Divorce - If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled. This includes mortgages on a jointly owned home and any joint credit cards that you have.
Credit Cards Gone Wrong - Credit cards always seem like a good idea at first. Even if you've been burned in the past, when money gets tight, the shiny plastic rectangles seem like the perfect quick fix for any situation.
Dealing With Credit Card Debt: Fair Debt Collection Practices Act - Everyone makes mistakes now and then. If your credit card mistakes have come back to haunt you in the form of phone calls from creditors at all hours, you need to know that you have certain rights in regards to debt collectors.
Do You Need That Credit Card? - If you do, that's probably the first reason to not get one. Credit cards shouldn't be used as a means of digging yourself out of a hole. In reality, they're just going to make it worse. They seem like a great quick fix at first, but when that first round of late payments rolls in, you may be asking yourself why you ever thought that was a good idea in the first place.
FACT – The Fair and Accurate Credit Transactions Act - In 2003, the passed the Fair and Accurate Credit Transactions Act, also known as the FACT. FACT substantially amended the provisions of the 1970 Fair Credit Reporting Act. The FCRA had been amended once before – in 1996
FACT Requires Accuracy From Credit Card Companies -
Under the Fair and Accurate Credit Transactions Act, credit card companies and other financial institutions and lenders will be held to higher standards of accuracy in reporting than they ever have before
Finding and Fixing Errors on Your Credit Card Bill -
Everyone makes mistakes sometimes, and credit card companies are certainly no exception. It's important that you go over your monthly statement and credit card bill very carefully each month to be sure that you're only paying what you really owe.
Freeze Your Credit Reports For Your Protection -
The prospect of identity theft is a frightening one. The idea of someone applying for – and getting – loans and credit cards in your name, running up those credit card debts in YOUR name without you ever knowing is a nightmare for anyone.
Getting Out From Under Credit Card Debt -
If you're one of the millions of Americans whose credit card debt has spiraled out of control, there are ways to help yourself relieve that credit card debt and get back on solid financial footing.
Getting Out of Credit Card Trouble -
What if it happens? Despite all your best efforts, you sit down with your bills one month and realize that your credit card debt has passed the threshold. It’s out of control – you can’t even pay the minimum balance on all your cards anymore.
How Credit Card Payments Will Affect Your Credit Rating - When you apply for a loan for a car, a house or any other reason, including applying for a credit card, the lender will look at your credit rating to decide whether or not to give you a loan.
How Do I Get a Better Rate? - People often think that there is a big diet secret they haven't heard of. They waste months and even years looking for some magic combination of foods, the perfect pill, and the ideal quick fix.
How FACT Helps Prevent and Repair Identity Theft Problems - Several provisions of the Fair and Accurate Credit Transactions Act are designed specifically to help prevent identity theft and make it easier for you to repair your credit if you have been a victim of identity theft.
How Many Credit Cards Should You Have? - How many credit card applications have you received this week? If you’ve applied for a credit card recently, have just started college.....credit cards that give you cash rewards or reward points, or just get you a pretty, clear blue card.
How To Avoid Identity Theft - There’s a new breed of thieves on the internet, and they’re going phishing. What they’re stealing is all the information that they need to pretend to be you, run up bills in your name and ruin your good credit.
How To Compare Credit Cards - So you know that the best way to establish your credit history is with a credit card. You may have decided to add another credit card to your portfolio of available credit. Or maybe you’ve just decided that it’s time...
How To Earn Air Miles When Paying Your Tax Bill - Would you like to know how to earn air miles at the same time as paying your dreaded end of year tax bill? Simply really, arrange to pay your tax bill on your credit card!
How To Establish Credit With a Credit Card - Establishing a good credit history is one of the most important things you can do for yourself financially. If you’ve never held a credit card in your own name, it can be one of the easiest ways to begin establishing a credit history for yourself.
How to Read Credit Card Pricing and Fee Information -
That credit card with 0% APR for 12 months sounds pretty good, doesn’t it? Should you go for it? The only way to know for sure is for you to follow the links through to the Terms, Conditions and Fees and read the fine print carefully.
How To Use A Credit Card For A Budget Plan -
Are you new at the art of creating and executing a personal budget plan? Does the idea of balancing your check book make you a little bit queasy? If the answer to these questions is yes, don’t worry, you’re not alone.
How To Use A Credit Card in College -
So you have just begun college, or maybe you are beginning in the next couple of months and you have a massive stack of credit card applications piling up by the day, along with the frightening thought of living on your own for the first time.
How Your Credit Card Interest Charge is Determined - Your credit card's interest rate isn't the only thing that affects how much you end up paying on your credit card bill, though it is a major determining factor.
How Your Credit Rating Is Determined - You hear a lot about your credit rating and your credit score. You may know that you’re entitled to get your full credit report and know how to check your credit rating.
Improving Your Credit Rating - If you’ve recently applied for a loan or credit card and been turned down because of your credit rating, there are a number of things you can do to improve that rating. Exactly what those things are depends on your individual situation. Here are some steps to take to bring your credit rating up
Pros And Cons Of Store Credit Cards -
The check out counters these days are like a veritable buffet of special offers. “Apply for this card and get twenty percent off of your order today and another ten percent off of any future purchases.” Sure, these sound like great offers, plus it can be a great way to splurge on underwear when you don’t actually have the money to do so, right?
Reclaiming Your Stolen Identity - Not too long ago, an episode of the television show Law & Order featured an elderly man who lost his house because of a second mortgage taken out on it by a total stranger. The stranger had used a technique called phishing
Should You Use a Secured Credit Card? - Credit cards are a fact of life these days. They offer convenience, safety for your money, and an easy way to establish or repair your credit history. A lot has been written about the negative aspects of secured credit cards – high interest rates being the most damaging thing to be said of them.
The Low-Down On Department Store Credit Cards - What’s in your wallet? If you’re like many consumers, among the cards that you don’t leave home without are store credit cars for places like Sears, BestBuy, Circuit City, Bloomingdales, WalMart, Target or even your local jeweler.
To Balance Transfer or Not to Balance Transfer - Here’s the situation. You’re carrying a $1300 balance on a credit card with a 14% interest rate with no annual fee. You’ve been offered a chance to transfer that balance to a new card with a 3.9% introductory rate. Should you do it?
Top Ten Credit Card Do's - Remember Jay Leno’s top ten countdown list? We’ve put together the top ten credit card dos for you to keep in mind!
Top Ten Credit Card Don'ts - If you own a credit card, there are some specific things that you should NEVER do! Here’s our list of the top ten things to avoid with your card.
Top Ten Credit Card Mistakes - Nana didn’t believe in credit. In her eyes, if you couldn’t afford to pay for it before you took it home, then you shouldn’t have it. And in Nana’s world, that worked just fine.
Using a Credit Card For a Large Purchase -
Many people get their first credit card and go a little spend crazy. They buy all of the things that they have been planning on needing for all of the times that they have not had access to the monetary needs necessary to make such purchases.
Using Your Credit Card Abroad - Using your credit card while traveling in another country can be a huge convenience. Who wants to waste all of the extra time in an airport waiting in the currency conversion line?
Visa’s Auto Rental Collision Damage Waiver Program - If you are the holder of a Visa Classic, Secured, Gold, Platinum or Signature Card then you may well want to know about the auto rental collision damage waiver program offered by Visa.
What Good Is A Stored Value MasterCard or Visa? - You’ve seen them at the counter at your local CVS or Target store – stored value plastic cards that bear a MasterCard or Visa logo. They work just like gift cards – you ‘charge’ the card by paying a certain amount to the issuing company, and then you can use it to make purchases until your money runs out.
What is a Credit Card? - Credit cards have changed the entire financial and economic face of the country. With a credit card, there’s no need to save for purchases – you can purchase on a promise against your future income
What is APR? - The APR on your credit card stands for ‘annual percentage rate’. It’s the interest rate that you’ll pay for carrying a balance on your credit cards stated as an annual percentage figure. It also applies to cash advances and transferring a balance from another card. Still confused? The concept is simple enough at its most basic.
What Rights Do You Have to Fair Reporting? -
Do you know your rights under the Fair Credit Reporting Act, and how they’ve been recently amended? The Fair Credit Reporting Act (FCRA) was passed originally in 1970 with the intent of protecting consumers and promoting accuracy and fairness in the keeping and reporting of credit records.
What Types of Credit Cards Are Available? - Over the years, credit card companies, banks and other businesses that offer credit to their customers have created a wide range of credit card types for different situations and uses.
What Does it All Mean? - Confused by all the financial terms and acronyms that have to do with your credit cards and credit card accounts? Here’s a quick down-and-dirty guide to what all those words mean.
When Should You Transfer Your Credit Card Balance? - As a general rule, financial experts warn against the practice of ‘robbing Peter to pay Paul’ – or, in the words of one flustered college student faced with an unexpectedly high credit card bill – Can I pay my MasterCard with my Visa?
Why Do You Need A Credit Card? - The first credit card was introduced in 1958 by Bank America. The Bank Americard eventually became the Visa card. That same year, American Express introduced its charge card, and the face of buying and spending money was changed forever.
Why People Are Afraid of Credit Cards (And Why You Shouldn't Be) -
When I was in the fifth grade, I was in a program for gifted students in the public school that I attended. This program was lead by an eccentric man that had an unprecedented passion for United States history and for proper grammar.
Why You Should Have a Credit Card In Your Own Name - You may think that you don’t really need a credit card in your own name – after all, you and your husband pay all the bills together and it’s just as easy to use your joint credit card account. Everything goes into one account, and it’s much easier to keep track of it all that way.
Your Privacy Rights Under FACT -
One of the provisions of the original Fair Credit Reporting Act was that those requesting credit reports on consumers have a ‘permissible purpose’ for requesting them. It also allowed consumers – that’s you – to put certain limits on how their reports are used.
