 |
Credit Information
Credit Verus Debt
Secured and unsecured debt - what's the difference?It's easy to just think that debt is just debt, but in reality,
there are different types of loans, and it's important to
know what which type you have.You will need to understand the differences in order to
be a good money manager, or, if the worse happens
and you find yourself turning to credit or debt counseling,
you'll need to understand how different types of debt
can be handled.
Why Your Credit Score is Important
Your credit score can either haunt you or reward you. It all depends on how you handle your credit and payment activities.
What is on Your Credit Report?
Your credit report is a very important piece of the puzzle in your financial picture. It contains a historical record of your personal and financial information including a listing of your current and past debts and the timeliness of your payments.
Which Credit Bureau Should I Use To Check My Credit Report?
There are three main credit bureaus in the United States; Equifax, Experian and Trans Union. Each bureau collects your personal and financial information which is then sold to lenders such as banks, credit unions, credit card companies, mortgage and auto loan lenders.
Low Interest Credit Cards Have Many Advantages
When credit cards are used wisely they can be very beneficial to the consumer. A low interest credit card can be exceptionally beneficial.
Reward Credit Cards: Get the Best Rewards Card Incentive Program
A good credit reward card can contribute to your retirement account, offer gas rebates, score theme-park or vacation tickets or take thousands off the
price of your next auto purchase. Rewards at hotels, airlines, and retailers bring more to the possibilities but, adds to the confusion.
Boosting Your Credit Score To Get The Best Credit Card Deal
Making Your Credit Rating Work For YouOne of the basics of getting the most competitive credit card deal in the market is to ensure you have the best credit record possible. Few of us are lucky enough to be earning a six-figure salary, and many people are likely to have other financial undertakings that a potential lender will want to take into account.
Addressing Bad Credit Card Debt
Spending HabitsSo you've just got your credit card. The first thing you need to be wary about is that a credit card is very easy to use - afterall you can shop in stores, via catalogs and online with your credit card.
Preventing Credit Card Mess
Credit card debts problem is extremely common today. It is usually the first sign of longer term financial troubles.
Different Types of Credit Cards and Features - Part 1
Just as there are too many credit card companies to count, there seems to be just as many different credit cards, all claiming to offer you the best possible deal. Since no two people are alike, not all programs and incentives will work the same for everyone.
Finance - Money, Money
Finance is a big word for some of us. It's a little scary.
Its Your Credit - Take Care of It!
Thanks to the Fair and Accurate Credit Act, American consumers can receive a free annual credit report from each of the three major credit bureaus-Experian, TransUnion and Equifax. You can order your free credit report by visiting www.
Credit Card Disclosure Table - Do You Understand It All?
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances.
Saving Money with Credit Cards
Having a credit card is a wonderful convenience for those times when you don't have immediate access to your cash. It can allow you to purchase something on time for which you can pay later, thereby giving you the ability to afford something NOW that you'd have had to save for later.
Various Types of Credit Cards - Part 2
Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business needs.
More Articles from Credit Information:
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
19 |
20 |
21 |
22 |
23 |
24 |
25 |
26 |
27 |
28 |
29 |
30 |
31
MORE RESOURCES:
Credit Card Offers
New Millenium Bank Secured Black Diamond Visa? and MasterCard?
|
|
|
New Millennium Bank has guaranteed your credit approval for up to $10,000* (with both cards) in secured credit! Build or rebuild your credit the SMART way with a NMB Secured Black Diamond Visa? or Mastercard? credit card!
- Approved regardless of credit history
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
* Terms and conditions apply. |
| APR: |
19.5% |
| Ongoing: |
19.5% |
| Issuer: |
New Millenium Bank |
|
New Millennium Bank Secured Platinum Visa? or Mastercard?
|
|
|
New Millennium Bank has guaranteed your credit approval for up to $10,000** (with both cards) in secured credit with no credit check!
- GUARANTEED ISSUE
- COMPLIMENTARY ONLINE SERVICES FOR ACCOUNT MANAGEMENT AND PAYMENTS
- NO CREDIT CHECK
- BE APPROVED REGARDLESS OF INCOME or CREDIT HISTORY
- REPORTS TO THE THREE MAJOR CREDIT BUREAUS
**Fees and terms Apply. |
| APR: |
19.5% |
| Ongoing: |
19.5% |
| Issuer: |
New Millennium Bank |
|
GoFreeCredit Credit Report and Score
|
|
|
Get your free credit report and score now! |
| APR: |
N/A |
| Ongoing: |
N/A |
| Issuer: |
ConsumerTrack, Inc. |
|
Identity Truth
|
|
|
IdentityTruth.com ? the earliest possible detection service for identity theft. Identity theft is one of the fastest growing crimes in America today. With our patent pending technology we have tracked more than 80,000,000 Americans whose lives have been affected by identity theft.
- Ongoing and automatic credit monitoring assisted by our credit data partner Experian
- Identity breach alerts identifying possible data breaches from thousands of sources affecting millions of Americans.
- Identity monitoring to track your personal historical records
- Listing of credit applications made in your name
- Fraud Alert Assist from the 3 major credit bureaus
- Removal of your name from junk mail lists
- Access to remediation services in the case you need help to fix a problem
- A $2,000,000 SERVICE GUARANTEE from IdentityTruth in the case your identity is compromised
|
| APR: |
N/A |
| Ongoing: |
N/A |
| Issuer: |
IdentityTruth |
|
American DreamCard™ MasterCard®
|
|
|
American DreamCard - The first and only "POOLED REWARDS™" Credit Card. Looking for a card with an award winning reward program and no annual fee? The American DreamCard™ MasterCard® is the card for you! Take advantage of a new concept in credit cards where everyday spending earns you entries to win thousands in cash every month. Apply today!
- No Annual Fee
- Large monthly cash jackpots!
- Earn entries from everyday shopping!
- Get 1,000 entries just for applying!
†See terms and conditions for important rate, fee and other cost information, and limitations |
| APR: |
as low as Prime + 10.99% |
| Ongoing: |
as low as Prime + 10.99% |
| Issuer: |
HSBC Bank Nevada, N.A. |
|
Orchard Bank Classic MasterCards
|
|
|
If you're looking for a card with built in benefits you can use on a daily basis and that provides you with the opportunity to establish better credit at the same time, you may be interested in the Orchard Bank Classic Cards.
- 0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants*
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
*See website for complete terms and conditions of card usage and application disclosure. |
| APR: |
7.90%-15.99% |
| Ongoing: |
7.90%-15.99% |
| Issuer: |
HSBC Bank Nevada, N.A. |
|
Wired Plastic™ Prepaid Visa®
|
|
|
- New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
- No Bounced Check, NSF and Overdraft Charges EVER!
- FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Credit Builder with Overdraft Protection
- FREE Mobile & Email Alerts
- FREE Direct Deposit - Eliminate Check Cashing Fees
- Add Cash Instantly at 100,000 Retail Locations Nationwide
|
| APR: |
N/A |
| Ongoing: |
N/A |
| Issuer: |
BANKFIRST |
|
|
|
|
|
RELATED ARTICLES
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.
The Right Way To Credit Repair
If you have a bad credit rating, then you might find that
your ability to get financing, loans, and even some jobs is
greatly diminished.Once you have a bad credit rating, it might seem like
there's nothing that you can do about it? but you don't
have to believe that.
The Hazards Of Your First Credit Card
You probably don't need me to tell you credit cards are easy to get a hold of; at least, that is so in the US and UK. How many weeks pass without a glossy brochure promoting a credit card popping through your letter box? And that's just your mail; the tv advertising budgets for credit card promotion are enormous, with some famous faces often adorning your screen, smiling beautifully as they tempt you.
Identity Theft - Dont Think You Are Immune
As identity theft becomes more prevalent, the need to regularly check your credit report is very
easy to see and understand. Two big headlines in the news recently point to how closely tied your
credit report and identity theft are.
Building Business Credit
Most businesses want to be able to borrow money when they need it, without the owners having to guarantee the loans personally. This means less risk to the owners.
Beware the Shopping Mall Monster
Like me, you've probably been offered a fair old number of these by now..
Avoiding ID Theft and Credit Fraud
Article excerpted from the new book, "How to Do Space Age Work with a Stone Age Brain" TM copyright 2004, all rights reserved, by Eve Abbott, the Organizer ExtraordinaireEach year billions of dollars in credit fraud is perpetrated on unsuspecting citizens. With so much personal information publicly available (or easily available to someone with medium computing skills) it is essential to develop good habits to prevent your information from falling into criminal hands.
Ethical Finance: Who Benefits From Our Spending?
On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.Financial comparison site moneynet.
Your Consumer Rights
If you have ever fallen behind on your debts you already know
that dealing with your creditors can be a hassle. Sometimes
it can be downright humiliating.
Saving Money with Credit Cards
Having a credit card is a wonderful convenience for those times when you don't have immediate access to your cash. It can allow you to purchase something on time for which you can pay later, thereby giving you the ability to afford something NOW that you'd have had to save for later.
Do you Know the Benefits of Checking your Credit Report?
Do you know why you should check your credit report?Of course you do, because you have undoubtedly experienced one working in your life!No matter where you roam, your credit report follows you through life, updating all aspects of your life: your employment, where you live, your opened credit accounts, your closed accounts, your payment history, and even public records on you.In this country, a good credit history brings you benefits of all kinds--a home mortgage, an apartment lease, an auto loan, or even more credit--with ease.
Tips for Credit Card Surfers
Moving money from credit card to credit card to take advantage of interest free
balance transfers and effectively borrowing money for free. It's even possible to make
money by borrowing money, transferring the debt to an interest free card and
investing the cash in a high interest savings account until the interest free period
expires.
Like It Or Not, You Have A Score To Settle!
Like It Or Not, You Have A Score To Settle!
(Part 1 of 2 on Credit Scoring)Just when most people finish with school and can stop worrying about test scores, there's a new kind of scoring that enters the picture. It's called credit scoring.
Searching For A Low Interest Credit Card?
These days, people need to very carefully consider what
type of credit card they will carry in their wallets. There
are so many options out there, and each individual has
different needs.
Credit Card Is Adding The Silver Lining To Your Pocket
In the new millennium plastic money or credit cards has rendered a new zing factor to your pocket. This has not only made you economically more flexible but subsequently added glamour to your financial image as well.
Harassment of People in Debt by Creditors
HarassmentHarassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970. It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly.
5 Killer Steps to avoid Credit Card SCAMS!
In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong.
Small Business Credit Cards
So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn't an option because it can make or break your business. Things to look for are low interest rates and good customer service.
Opting For A Credit Card? Check Out Certain Terms
You've just received a "pre-approved" credit card offer in your mail. Without wasting a minute you're ready to accept it, especially if it's the "before-the-offer-expires" one.
Your Credit Card May Be Costing More Than You Think!
Do you know what your credit card is truly costing you? Many
people assume that they do, but aren't familiar with the
hidden fees that many credit card companies are charging. In
fact, if you don't keep close tabs on your credit card, you
may end up paying hundreds of extra dollars per year-without
ever really knowing it!And if you're trying to budget your money, those hidden fees
can add up!Let's take a look at some of the most common credit card
fees, and then talk about how you can avoid them.
|
