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Credit Report – How Your Credit Score is Determined (21 Oct 2006) Most consumers are aware that they have something known as a credit score. Few know what factors are used to create that score. Here are some details.
Home Loans – Repair Your Credit Before You Buy (21 Oct 2006) There are companies that offer to "fix" problems on your credit report. Here's what you need to know to fix the problems yourself.
Manage Your Credit Wisely (21 Oct 2006) Getting your first credit card is a big deal and all young people look forward to it with bated breath.
Warning: Free Credit Report Imposter Websites Springing Up on the Web (21 Oct 2006) A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months. However, a new form of phishing, is manifesting itself even before access to free credit reports is available for all Americans. You need to be careful that you are on the official website to request your report.
Credit Report Secrets: Do You Know What They Reveal? (21 Oct 2006) If you've ever applied for a credit card or loan, you've probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you. Even if you're not interested in obtaining credit, your credit report can impact other areas of your life. Potential employers view your credit report to assess your trustworthiness as an employee. Landlords frequently check the credit reports of their tenants before allowing them to sign or renew their lease.
Identity Theft – Monitor Your Credit Report (21 Oct 2006) Those at risk for identity theft have a new tool at their disposal. The credit bureaus will allow you to monitor your credit activity.
Cash Back vs. Rewards Credit Cards (21 Oct 2006) So you have decided on that a credit card company should be lucky enough to gain your custom. But with a credit history as good as yours what credit card do you apply for? Will it be the cash back credit card or that reward credit card with special incentives? Ah, the sweet rewards of using credit! ..
Finding and Applying for the Right Credit Card Offer Online (21 Oct 2006) We are bombarded daily with ads for credit cards and loans of all types. How do you sift through the garbage to the real deal? This article sorts through the various credit offers to help you make an educated decision.
Common Credit Score Myths (21 Oct 2006) These are the most common myths about fico score ratings that can cost you credit score points if you fall for them.
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 [...]
Smart Consumer Savings My buddy John claims that winning money is ten times sweeter than earning it. I must admit I agree with that statement. However, the problem with gambling is that the odds are never in your favor and most of us will end up on the losing end eventually. My proclamation is that [...]
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 [...]