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Credit Cards - The Top 3 Things You Need To Know (21 Oct 2006) Today there are so many different credit cards available, that it has becomes a real hassle to find the right one that will suit your needs. We give you 3 things to consider, to help you make a good choice.
Credit Score: The Brightest Feather In Your Financial Cap (21 Oct 2006) Credit scores are the most important aspect that determines your financial future. Carrying a good credit score is an asset and can pave your future towards greener pastures. On the other hand a negative marking on your credit report can be ruinous for your future dreams.
What is the Check 21 Act? (21 Oct 2006) Check 21 is the common name for the Check Clearing for the 21st Century Act. It's new legislation that was recently passed by congress and made a law when signed by the President of the United States (remember "I'm just a bill" from Saturday morning cartoons).
Credit Reporting: How Does It Work? (21 Oct 2006) In order to determine a consumer's credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes. Traditionally, a credit report will provide a detailed summary of any delinquency you have had with your creditors. This is measured by the number of times that you fallen more than 30, 60, 90, and 120 days past due.
Credit Reports Inside and Out (21 Oct 2006) The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your "presentation card".
Identity Theft - Dont Think You Are Immune (21 Oct 2006) You do all you can. You shred your documents and statements. You are very careful how you give out your financial information. It might not be enough.
How Credit Scoring Works (21 Oct 2006) The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours? How does it increase, how does it decrease and what are the factors that go into its calculation?
Our World Of Credit Cards! Which One Is Right For You (21 Oct 2006) There are not many of us who do not have a credit card these days. But, not all of us are as wise in the area of understanding how they work and how they make money. There are many types available to...
Free Credit Report - Really (21 Oct 2006) 2005 marks the year that consumers will be able to get a free credit report each year from the three credit bureaus. Depending on where you live, you could be eligible now. The program is being implemented piecemeal so as not to overwhelm the credit bureaus.
5 Ways To Raise Credit Score (21 Oct 2006) Discover how you can use these five simple tips to raise your credit score.
Bankruptcy Myths Busted (21 Oct 2006) The average American knows very little about bankruptcy. Most people probably are aware of bankruptcy's ability to dissolve debt and give the debtor a fresh start. Some of the information you might have heard is correct, but some is not. The purpose of this article is to dispel some of the most common bankruptcy myths.
Credit Help For Renters And Others On The Horizon (21 Oct 2006) Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sue's on-time mortgage payments are reflected in her credit score profiled by the three major credit bur...
One of our most popular pages this month is hidden! I just reviewed our traffic statistics for Student Platinum, its been a good month for us but I was surprised to see that our second most popular page is one that’s not even directly linked to from the site. The page is a resource page for high school students and first year college students. It [...]
Managing Money, Value and $1,200 Handbags My girlfriend loves fancy expensive handbags. We walk by them in a department store and I’ll hear “ooh, isn’t that absolutely gorgeous?” I’ll look at the $1,200 price tag and reply, “no”. If she had the extra $1,200 I’m sure she’d buy it although she isn’t going to spend $1,200 on a handbag when she [...]
The Best Auto Insurance Tip Ever Want to be smart about how you approach auto insurance? Ever wonder about how to set your deductibles? Here is how I kept my insurance payments low by setting a high deductable and then only having to pay $150 of my deductable anyway. I recently crashed my 2007 Ducati GT1000 motorcycle last Friday on the [...]