Articles in Home | Finance | Credit



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  • Credit Repair: Try This!  By : Jim Kemish
    Do you have a past due credit card that is hurting your credit scores? Would you like the creditor to make it current, and even eliminate your entire record of late payments? It can be done. Credit repair expert Jim Kemish explains a neat little trick that may be as easy as picking up the phone.
  • Building a Good Credit History  By : Bobbie McKee
    A good credit history is essential in today's society. Traditionally, you only had to worry about having a good credit history for credit cards and large purchases such as home and automobiles. However, good credit is vital in even the smallest financial transactions, like getting your utilities turned on or establishing cellular phone service. When you don't have good credit, these service providers require you to pay a deposit to establish service. Start building a good credit history as early as possible to avoid paying hefty deposits.
  • Some Credit Card Basics  By : Bobbie McKee
    Many people get in trouble with credit cards because they don't fully understand how the card works. Most people only know that they get a piece of plastic in the mail that they can use to swipe in stores and pay the bill later. Understanding how credit cards work can help you use them responsibly.
  • Figuring Out Your Credit Score  By : B
    Your credit score is a numerical indication of your credit worthiness. It is the primary factor that creditors and lenders use to decide whether or not they should extend credit to you. You may also hear the credit score called the FICO score. This name comes from the Fair Isaac Corporation, the company who is credited with developing the system that comes up with the credit score.
  • Your Credit Report - What You Need To Know  By : Bobbie McKee
    Your credit report contains a significant bit of information about your financial history as it pertains to credit. The information on your credit report is used by credit grantors to determine whether or not they should extend credit to you. Several pieces of information are included in your credit report.
  • How to Protect Your Business from Credit Card Fraud  By : William
    In this article you will explore different precautions you must take for the safety of your business from fraudulent individuals and customers with whom you do transactions through credit cards. This article will definitely add valuable knowledge to ensure risk free and secure financial transactions for your business.
  • Tips and Student Loan Articles  By : Robert Woods
    Youve graduated from college and entered the real world. Now all you have to do is figure out your student loans. On average, college students graduate with a whopping $20,400 in debt. Consolidating your student loans can be helpful if you have a large balance spread out across multiple lenders. Before you apply, make sure you know the pros and cons of consolidation:
  • Annual Credit Report  By : Robert Woods
    Do you know that it is essential for you to learn what your credit score is? This is among the details of your credit account which you should be knowledgeable of. This way, you will be able to know what you have to do or change so that you can increase your rating.
  • Pet Rewards Visa Credit Card  By : Jeremy Biberdorf
    Pet lovers now have a new way to show off their pet and earn pet related rewards. Introducing the Bank of America Pet Rewards™ Platinum Plus Visa® Credit Card, a credit card designed specifically for pet owners.
  • Credit Repair: Statute of Limitation Tips  By : Jim Kemish
    It is absolutely essential for anyone attempting credit repair to know the statues of limitation for reporting of derogatory information as it applies to the credit bureaus. Credit repair expert Jim Kemish offers some insight on specific statute of limitation information that may surprise you.
  • The Online Credit Card Application  By : JD Theis
    Almost every day you receive junk in the mail. Sometimes its fliers, other times its catalogs. Nothing is more annoying, though, than receiving ten credit card applications in your mailbox at one time. You may be wondering why you receive these credit card applications, and if you should apply for one. It used to be that the only way you could apply for a credit card was by using a paper form, but now lots of people prefer to apply for a credit card using an online credit card application, which is generally safer and will net you a better deal. Here's the lowdown on why you receive those annoying applications in the mail, and why an online credit card application is often faster and easier.
  • Finding A Low Interest Rate Credit Card  By : JD Theis
    Credit cards are not only a great way to be able to afford things, they are also an essential part of getting good credit. When we are young, we never think about how our credit score will affect us later down the road. A bad credit score can stop you from getting a loan, a car or a house! It is essential that the credit score stays as high as it can, and credit cards are an excellent way to help you get a good credit score. Sometimes it is tricky, though, choosing which credit card to apply for. Everyone wants a low interest rate credit card, but not everyone may qualify for one. In order to get the credit card that is right for you, you need to understand exactly how credit cards work, and what the various fees on a credit card may be.
  • Student Credit Cards: A Solution For The Future  By : JD Theis
    There are some things in this world that are a certainty: the sun will rise, the sun will set, and there will be credit card providers vying for your college student to sign-up for a credit card through their companies. Almost every college campus in America is occasionally plagued by credit card companies offering free t-shirts to students who sign up for student credit cards. Most parents feel that student credit cards are a bad thing: that the card will put their child deep into debt and will teach them to be irresponsible with the little money they have. This is far from the truth.
  • Tips for First-Time Home Buyers  By : Robert Woods
    The biggest challenge for most first-time home buyers is saving up enough money for a down payment especially in markets like San Francisco and New York City, where home prices have soared over the last few years. But thanks to a growing assortment of financing options, it's increasingly possible to find mortgages for as much as 97% of a home's value. In other words, you could put down as little as $5,514 for a home that costs $183,800, the national median in 2004, according to the National Association of Realtors.
  • Making the most of a Credit Card Balance Transfer  By : JD Theis
    It used to be that if you wanted to buy something, you either had to have the cash readily available, or you had to have something to barter with. Then came the invention of loans, which allowed people to borrow money from a lender, such as a bank, in order to purchase things they needed for their business or homes. A little later, credit cards were invented. Credit cards allow you to purchase things now, and pay for them later. The credit card business is big business in today's world. Companies make their money by charging not only interest, but finance charges. Sometimes the interest can be over 16%, which can be very difficult to pay off. This is when a credit card balance transfer can come in handy.

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