Articles on Credit

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How To Avoid Becoming A Victim of Identity Theft by Clyde Dennis

With identity theft statistics currently at an all time high, and climbing, it just makes sense that we should all be doing everything we can to protect ourselves.

My Student Credit Card Adventure by Donald Yacono

My own experience with student credit cards. Also, some straightforward advice on how to use your credit card responsibly.

Stop Struggling Because Of Poor Credit And Improve Credit Rating Now by Julian Pereira

You may be feeling the stress caused by your poor credit rating. Do something about it now. We provide an easy solution to improving your credit score.

Saving Money: Quick Cash, High Cost by John McCabe

I didn't think it was possible. But it is. Folks, there is something worse out there than putting everyday expenses on a credit card, then carrying the balance. The guys I'm going to tell you about make the credit card people look downright benevolent...

Credit and Banking Money Saving Services by Tim Gorman

The first rule when applying for banking and credit services is to always read the fine print and to understand all of it. Read up, take it home, and analyze it, ask the banking manager questions. The fine print is there for a reason.

ChexSystems: Alternative Options for People Who've Been Checking Accounts by Greg Ford

ChexSystems is consumer reporting agency for the banking industry that maintains a database of people who have had there accounts closed for cause and reported by banks that are members. Once your name is reported to ChexSystems and placed in their database, it can be very difficult to open a new bank account.

Trade Credit: How to Determine if You Should Offer Net-30 Terms to Your Customers by Marco Terry

Article describes simple steps to evaluate the credit worthiness of a business client. This is crucial when deciding whether to offer net-30 sales terms to a business.

Good Credit Is Not A Good Reason To Borrow More Money After You've Achieved Financial Freedom by Erwin Tjong

Achieve Financial Freedom is avoid getting back into debt The most important thing to realize is that the point of getting out of debt is not just so that you can buy more things on credit - that's just another way to end up getting back into debt

Dealing With A Collection Agency by Steve Austin

Once you have decided on hiring a collection agency for your credit collection, dealing with a collection agency has four different stages:

Consumer Credit Reports by Steve Austin

Understanding the basics of consumer credit reporting, credit bureaus, and how credit reporting can effect the debt collection process.

Bounced Checks - Straight Talk On Dealing With Bad Checks (NSF) by Steve Austin

Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.

Start Building Credit Fast! by Eric Barnes

Ever wonder why you get turned down by creditors when you pay your bills on time every month? Why do people deny you credit when you think you are a responsible bill payer?

A Debt Mentality by Rich Toops

Unless the underlying life issues are dealt with, debt will remain a caustic factor, preventing a true "quality of life."

How Do I Establish A Good Line of Credit? by Tim Gorman

A line of credit, roughly defined, is the amount of credit that can be given to a borrower from a lender. Usually a contract or note of promissory is exchanged between the two parties, in which both parties agree to the line of credit amount, as well as the annual interest due to the lender at the end of the term.

Cash Advance – How Does It Work? by Dominic Ferrara

If you want a cash advance or a payday⁄paycheck loan, you usually get a personal check. Some companies use your bank account or credit card in addition to or instead of a check. This means that you have to write a check that is to be cashed or you have to agree to have an amount withdrawn from your bank account at a certain date in future (usually 14 days). After filling-in the agreement or contract you get a sum of money that is less than what you have agreed to pay. The sum is smaller because the difference is the "fee" for the loan service. Why would the company loan you money like this? Because loaning out money in this way and getting these "fees" really brings them a huge profit at your expense.

Five Debt Negotiation Facts by Gary Gresham

Knowing how to negotiate debt settlements along with these debt reduction planning tools will give you the knowledge to finally control your own debt.

Finding Reputable Credit Card Companies by Jeffrey Altmire

You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure. What do you do?

What Are The Most Common Credit Card Mistakes? by Jeffrey Altmire

Now in a world with so many easy to get credit cards it can be easy for someone who is a first time credit card holder, or even someone who has several credit cards in the past to make mistakes when using the card...

Credit Cards: Pros and Cons by Jeffrey Altmire

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. On the other hand, it's very easy to abuse department store credit cards. And it's easy to have too many credit cards open at once.

What To Look For In A Credit Card by Jeffrey Altmire

When you are deciding what type of credit card to get it is important to compare credit cards to each other and find the best deal for you. There are a variety of different credit cards available, from low interest cards, cash back cards and even reward credit cards, it's hard to decide what exactly the best credit cards are.

Is Plastic Making You Happier? by Colin Mc Caig

If you’re like most people, you probably own at least one. And like most people, you’ve maybe never thought what it’s really costing you… At a recent conference held by the F...

Beware the Shopping Mall Monster by Colin Mc Caig

Like me, you’ve probably been offered a fair old number of these by now... and, if you’re like most people, chances are you maybe own at least one or two. They always seem to put in an ...

Learning the Disturbing Facts about Credit Card Debt by Richard D. Schrader

When I received my first credit card in the mail at age 18 I was ecstatic, I said to myself, wow now I’m getting somewhere in life. This credit card company thinks I’m worthy of 500 dollars in credit...

0% Credit Cards by Neil Brown

A description of 0% credit card offers including balance transfers and purchase offers and how to get the most from them.

What is Credit Card and Debit Card Blocking? by John Mussi

Have you ever been told you were over your credit card limit, or had your debit card declined, even though you knew you had available credit or money in your bank account? If this happened shortly after you stayed in a hotel or rented a car, the problem could have been card "blocking."

Fight Credit Card Fraud with Common Sense by Beth West

Helpful information on how to easily prevent credit card fraud from happening to you

Rewards Cards: Are They Worth It? by Matthew Keegan

If you are like any consumer with good credit -- or even with poor credit -- your mailbox is probably chock full of solitications from credit card companies. These companies are all vying for your business; here is why only those who incentivize their offer with rewards should be considered.

Credit Report – How to Improve Your Credit Score by Charles Essmeier

Your credit score can determine whether or not you’ll get a necessary loan for a car or a home. Here some are ways you can improve a less-than-ideal credit score.

Protect Yourself Against Identity Theft by Jeremy Zongker

Identity theft is when someone uses, without permission, your personal information in order to commit any frauds or crimes. Identity theft is a felony that is becoming more and more common. That is because some of us are not very careful with personal information, making the job easier for those trying to steel our identity.

Credit Card Shocker by Rosella Aranda

Have you ever looked at your credit card statement? I’m not talking about just making sure that all the transactions are correct. I’m talking about looking at the finance charges. I daresay that so...

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