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Credit : Business & Finance

5 Reasons Why a Secured Visa Credit Card is Better Than Prepaid

When it comes to the difference between a prepaid credit card and a secured Visa credit card, what you don't know just might hurt you. Here are five facts you really need to know when trying to decide between prepaid credit cards and secured credit cards.

Three Tips on How to Repair Credit Score Before Applying For a Mortgage

If you have bad credit, you may get stuck with a high risk mortgage.You'll have a higher interest rate, more prepayment penalties and higher closing costs.If you are in the situation of having a credit score below 700, the best thing to do is to avoid damaging your credit further and to repair

Buying a Home After Filing Bankruptcy

There is still hope in getting a loan and buying your dream home after filing for bankruptcy. Even with your bankruptcy history, there are many lenders out there who are willing to qualify you for mortgage. What mortgage lenders will look for and put more emphasis on is income verification and a dow

Personal Debt Arbitration - Is it a Safe Route For Reducing My Debt

Many people in debt have no idea what to choose to make sure that their life is a little better. It is hard to cope with daily needs and a loan that you have to pay each month and with the economy being in the state that it is and the salaries that are cut, it is even harder.

Who Else Has Been Hit by Big Brother Credit Files

Ever been in a Store, and had your credit application turned down, and apart from the embarrassment, you never realized that so many things you do in this credit-crazy world can adversely affect your credit rating. This article looks at the role of 'credit repair' companies, and how they c

Rebuilding Good Credit

Anyone can wind up with a bad credit score. If too many payments are late for something, or if identity thieves went discovered for too long one's score can drop from an excellent rating until no credit can be found. Many people, upon finding themselves with bad credit, will remain in this stat

How to Find Out When a Foodstamp Card Was Sent Out

Food stamp cards are a government assistance program. Unlike the traditional paper food stamps recipients used to get you are now issued a food stamp card. The card is used like a debit card. A set balance is added to your card each month. When initially applying for the card you have a short waitin

Best Balance Transfer Credit Cards

With so much focus on saving money and getting out from high interest rates and credit cards in the modern day, it is not surprising at all to see best balance transfer credit cards getting so much attention from so many people around the world. With so much effort being put forth by so many consume

Requirements for Credit Card Application

If you want to apply for a credit card then it is a very easy process. Through the availability of the Internet nowadays it is very easy to apply for a latest credit card.

Can Companies Charge You the Credit Card Service Fee?

It costs a company money to accept credit cards for payment. Each of the major card issuers — Visa, MasterCard, American Express and Discover — charges the merchant a percentage of the sales price as a fee for processing the transaction. In most cases, the issuers prohibit merchants from

Is your credit history poor?

Is your credit history bad? Well, don't worry because you can improve it. You just need to follow some simple steps and you should be able to get yourself a better credit rating, even if ...

Bad Credit - Understanding The Basics

Many people have heard of bad credit, but some may not know what it means. For a long time, there was no established method for determining the credit activities of consumers. However, this all changed when a company called the Fair Isaac Corporation designed a credit scoring system that is called t

Do Credit Cards Charge Fees for Not Using the Card?

Credit card management is trickier than many people think. People who get a credit card to use only for emergencies probably think they're being responsible by not making unnecessary credit card purchases. The problem is that unused credit cards aren't profitable for card issuers and the fees that s

Do You Need a Credit Counseling Service?

Credit counseling is nothing to be ashamed of. The services offered can help you learn how to better manage your money and how to make ends meet when resources are tighter than you would like to see them.

Good Reasons To Check Your Credit Reports Regularly

Most consumers are hurting themselves and don't even know it by not checking their credit reports regularly.Often a credit report entry is the first clue that your identity has been compromised in a case of identity theft, and bogus entries can also pop in there which labels you as a much great

What Credit Card Mistakes You Should Never Make

It is very hard to avoid the pressure in our economy to spend beyond what we ought to do because of easy credit. Although you may feel that the card company made you do it, really you are always in control and just haven't properly managed this special relationship. It is time to take back the