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A Debt Mentality (21 Oct 2006) Unless the underlying life issues are dealt with, debt will remain a caustic factor, preventing a true "quality of life."
Start Building Credit Fast! (21 Oct 2006) Ever wonder why you get turned down by creditors when you pay your bills on time every month? Why do people deny you credit when you think you are a responsible bill payer?
Dealing With A Collection Agency (21 Oct 2006) Once you have decided on hiring a collection agency for your credit collection, dealing with a collection agency has four different stages:
Consumer Credit Reports (21 Oct 2006) Understanding the basics of consumer credit reporting, credit bureaus, and how credit reporting can effect the debt collection process.
Bounced Checks - Straight Talk On Dealing With Bad Checks (NSF) (21 Oct 2006) Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.
ChexSystems: Alternative Options for People Whove Been Checking Accounts (21 Oct 2006) ChexSystems is consumer reporting agency for the banking industry that maintains a database of people who have had there accounts closed for cause and reported by banks that are members. Once your name is reported to ChexSystems and placed in their database, it can be very difficult to open a new bank account.
Saving Money: Quick Cash, High Cost (21 Oct 2006) I didn't think it was possible. But it is. Folks, there is something worse out there than putting everyday expenses on a credit card, then carrying the balance. The guys I'm going to tell you about make the credit card people look downright benevolent...
Credit and Banking Money Saving Services (21 Oct 2006) The first rule when applying for banking and credit services is to always read the fine print and to understand all of it. Read up, take it home, and analyze it, ask the banking manager questions. The fine print is there for a reason.
Credit Reports: Find out why you have been refused Credit. (21 Oct 2006) You may already have 2 or more credit cards in your purse or wallet and you have just applied for a third and been declined. This can be very frustrating considering you pay off your other credit cards regularly and you are continually having your credit limit raised.
Credit Worthiness We are living in a world where each person is taken into trust after evaluating their credit worthin...
Credit Reporting Agencies Credit reporting agencies maintain electronic records of your credit activities. Today, there are th...
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 [...]
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 [...]
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, [...]
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 [...]