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Understanding Credit Card Penalties (21 Oct 2006) Because most of us have one or two credit cards and we use them every day, understanding credit card penalties and fees is a significant issue since one time or another we have paid a penalty for some reason.
Myths and Truth about Credit Scoring (21 Oct 2006) What score is acceptable for a particular loan or credit product depends solely on a lender. The person's credit score might not be high enough to get credit with one bank, and perfectly acceptable with another.
FREE Credit Report Offer - Careful, It Might Carry Hidden Charges (21 Oct 2006) FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business?
7 Ways To Squash Identity Theft (21 Oct 2006) It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card number, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already done. Here are seven steps you can take to prevent identity theft.
3 Free Credit Reports For You (21 Oct 2006) If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it.
How You Can Help Prevent Identity Theft (21 Oct 2006) Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Service is a lead agency in investigating Identity Theft. Identity Theft is a criminal offense.
How to Repair a Bad Credit Rating (21 Oct 2006) If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.
Commercial Collections: Business Finance Booster Shot (21 Oct 2006) If commercial collections is not part of your B2B business plan, you're losing money. Get your cash flowing again with these commercial collections secrets.
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 [...]
The Best Financial Advice You’ll Ever Get Ready? Here it is: Relax and take a deep breath. When faced with financial troubles remember that it’s only money, a man-made symbol of value which is traded for other items with perceived values. It’s not your life, your health, your family, your pet or anything that nourishes your spirit. It’s not always easy but if you [...]
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 [...]
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, [...]