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Credit Scoring: What You Dont Know Can Hurt You (21 Oct 2006) Do you know how serious an impact a credit score can have on your life? Do you know how your credit score is calculated? Do you know how to get your credit report free and online? This article answers these questons and more ... and explains the things you can do to improve your your credit score.
The Next Person With Credit Problems Got Their First Credit Card Today! (21 Oct 2006) The Federal Trade Commission estimates that there are somewhere between 40 and 70 MILLION people in the United States with credit problems severe enough to prevent them from obtaining fair market credit.
Is it Safe to Use Online Car Finance? (21 Oct 2006) Online car finance is convenient. You can apply over the net and shop around for a good deal from the comfort of your home.
Is Your Credit Score Costing You Money? (21 Oct 2006) Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses.
Credit Card Dirty Tricks (21 Oct 2006) There are many of us that have been badly stung by credit card companies that have charged exorbitant fees to use their credit cards.
The Ghost of Expected Surprises (21 Oct 2006) Here, Cratchet, what do you think you're doing? Uh, er, leaving sir. Leaving? It's 5 minutes to the hour. Shall I dock your pay accordingly. Uh, er, no sir. No sir? Well it's back to work for you the...
How To Prevent Fraudulent Credit Card Transactions (21 Oct 2006) What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies? Customer wants to pre-pay for a year; Domain Name Registration for 5 years or more; Orders using free email address...
Credit Card Shocker (21 Oct 2006) 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...
How to Deal with Hire Purchase Debt (21 Oct 2006) If you want to keep the goods you should ask the creditor to agree to a payment arrangement with you. The creditor is most likely to accept if you can afford the full monthly instalments plus something towards the arrears. If you can't make the full payments, the creditor may agree to reduce the payments, but usually by a small amount and only for a short time. In certain circumstances you may be able to go to court and ask to pay less than the full monthly instalment and extend the length of the agreement.
Bailiffs & Council Tax - Knowing What To Do (21 Oct 2006) Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf of your local council. They try to take your goods away and sell them, usually at auction, to raise money to pay the debt. The process they have to follow to say they want your goods is called 'distraining' or 'levying'
Tackling Bad Credit (21 Oct 2006) We often hear about credit history and how it affects ones chances of qualifying for a loan. What we do not know are the reasons that make or mar the credit history. Through this article we have tried to explain the reasons for bad credit and how we can escape them. Some of these are controllable like arrears that can be minimised by a change in the spending pattern. Others like divorce are uncontrollable. Read the article for a better management of credit.
Psychology to Help You Negotiate with Jerks Somebody once told me “never go to your boss with questions, always go with answers”. As I was arguing on the phone recently with my motorcycle repair shop’s jerky service manager it occurred to me that the same advice applies to negotiating with people about money , services or any other issue needing fixing. Basically, [...]
Credit Score Rebounds from Little Mistake On February 13th I added a blog entry titled How My Credit Score Dropped 30 Points in One Day. This entry is a follow-up to that. To summarize the original entry, I paid off and closed my Chase credit card because they were jerking me around by raising my APR because I was paying my [...]
For Student Credit There’s a “Perfect Storm” Looming Warning, there’s trouble ahead. There’s a strong chance that a serious batch of credit problems are headed straight for students which threaten to swamp their ability to get student loans and credit cards. A series of changes in the economy could result in student credit scores dropping more than 100 points overnight as well as [...]