Credit Articles

Pregnancy and Family Planning » Credit | By Uchenna Ani-Okoye @ Tuesday, 3rd June 2008 @ 10:38 AM

What's the thing that is most prominent on any credit card ad? Well, it's the credit card rate (or the APR, as we know it). The credit card rate is the most publicized thing in the world of credit cards. A lot of people just compare the credit card rate of various credit cards and just go for the one that is offering the lowest credit card rate (or APR). Credit card rates are, in fact, one of the most important factors in the selection of a credit card (though not the only fact... more...

Pregnancy and Family Planning » Credit | By Helen Hecker @ Monday, 2nd June 2008 @ 4:03 AM

Assuming you already have a copy of your annual credit report you may have already found some errors that should be removed. Errors should always be a big concern because they can and probably have affected your credit score, also called a FICO. You can repair your credit with a little bit of help. It may seem like a lot of work but it's really easy. The hardest part is actually sitting down to do it. You'll need to check all three credit bureaus to make sure the same error is... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Saturday, 31st May 2008 @ 9:27 AM

Every time you check your mail or email, watch television, or read a magazine, you are confronted with credit card reward offers everywhere you turn. These offers can generally look so good that it may seem too good to pass up. However, not all rewards are worth the effort, not all credit cards are great. In fact, in many cases, if the offer sounds too good to be true, it generally is. Many credit card holders obtain several reward credit cards, they believe that the more reward cards the... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Saturday, 31st May 2008 @ 9:21 AM

Today, one of the most popular type of reward cards are those that offer cash back with every single purchase made using that credit card. Even though there are several different credit cards available offering rewards, most often in today's world, cash back is the most popular. In fact, credit card holders all over the world hold a preference over cash back when compared to other reward types. Other reward credit cards include points and air miles; however, cash back is top priority... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Saturday, 31st May 2008 @ 8:17 AM

If you are like the millions of people suffering from bad or damaged credit and having trouble obtaining credit cards, you might want to consider a secured credit card. These are perfect for any person looking for credit repair and wanting to understand their options. What is great about secured credit cards is the fact that they can actually help you restore your credit rating and get back on the right track in your financial life. Secured credit cards work closely with your personal che... more...

Pregnancy and Family Planning » Credit | By Christina Costa @ Friday, 30th May 2008 @ 4:41 PM

If you are considering a debt management program, here are a few important facts to look at. First of all, do you understand credit card debt? Do you know the difference between debt management and debt settlement programs? Take time to educate yourself before starting the important process of improving your credit. Credit card debt is one of the quickest and easiest traps to fall into. With companies making offers everywhere, from college campuses, to mailers, and even the Inter... more...

Pregnancy and Family Planning » Credit | By Christina Costa @ Friday, 30th May 2008 @ 12:15 PM

Most people know that their credit history can help influence the decision if they get approved for a loan or not. Yet, some people do not realize that their credit score might decide what they will pay for their insurance. Some insurance companies will wait until after raising the rate to let their customers know that the price has increased. This was the case for Michelle Cardin of Aliso Viejo, California. Her insurance company let her know that her premium was going to be increased by ... more...

Pregnancy and Family Planning » Credit | By Christina Costa @ Friday, 30th May 2008 @ 12:03 PM

Everyone in America has their personal financial history archived, compiled, and rated by the three major credit bureaus. These bureaus are Experian, Trans Union, and Equifax. Lenders and creditors access these bureaus and your personal financial history for a fee, to help them understand and rate your credit worthiness. Understanding your credit worthiness is one of the most important things you need to know and be familiar with. What is in your credit report? Your credit repo... more...

Pregnancy and Family Planning » Credit | By justin lee @ Thursday, 29th May 2008 @ 12:47 AM

Most borrowers pay little attention to the "fine print" on a credit application. Most shrug their shoulders, promise themselves they'll never get in trouble with their credit card, and sign away. Unbeknownst to them they are committed to a legal contract that is heavily weighed in the creditors favor. Yet again the "I want it now" mind-set has overcome better judgment. That legalese at the bottom of every credit application, that few seldom read, clearly outlines what will h... more...

Pregnancy and Family Planning » Credit | By justin lee @ Thursday, 29th May 2008 @ 12:38 AM

There's no imminent end to the foreclosure crisis gripping our country. Until lenders and homeowners get on the same page turning things around will be a long and difficult task. The numbers are impressive and also oppressive at the same time. Over 600,000 foreclosures were reported between January and July of this year and there are no signs of the trend slowing up. Since the beginning of the crisis lenders have made it clear they do not wish to own any property, yet as the ... more...

Pregnancy and Family Planning » Credit | By Bruce Lipski @ Monday, 26th May 2008 @ 4:53 PM

One of the most common ways an identity thief steals your identity is by first stealing your mail. That is why everyone should have a mail box that locks. Most new homes are now built with mail boxes that lock and if you have one of the old kind that you just pull open, you should upgrade to a locking model. If an ID thief is successful in stealing your mail, you may never even know what he has stolen. Until it is too late, that is. Do you get those pre-approved credit card applications ... more...

Pregnancy and Family Planning » Credit | By Bruce Lipski @ Sunday, 25th May 2008 @ 11:04 PM

For the most part, identity theft is something that can be prevented. At least you can take certain steps to lower your chances of becoming a victim. Everyone should be doing these basic things to help reduce the chance that they ever have to deal with having their identity stolen. Here are some of those things: 1) The first thing you need to do is shred everything with your name and/or account numbers on it. This includes all those pre-approved credit card applications in the mail and an... more...

Pregnancy and Family Planning » Credit | By Gordon Goodfellow @ Sunday, 25th May 2008 @ 9:26 PM

The best low interest credit cards are those that offer guaranteed long term low interest, low fees and charges and low balance transfer fees. So it is important to make sure you understand what these charges are for all the credit cards you are interested in. You can't assume anything. Different cards have different terms and conditions so you must be willing to read and understand these in order to make an informed decision about transferring credit card balances. Procrastination and impu... more...

Pregnancy and Family Planning » Credit | By Gordon Goodfellow @ Sunday, 25th May 2008 @ 8:44 PM

Zero percent balance transfer credit cards are a successful marketing strategy of credit card providers which provide enormous benefits to customers. The inducement of zero interest charges, even if only for a limited period, is highly attractive to credit card borrowers. Whether people are suffering serious financial disadvantage as a result of credit card debt or simply paying more than they have to, balance transfers to low rate cards just make sense. If interest payments are robbing your fam... more...

Pregnancy and Family Planning » Credit | By Robert Kokoska @ Sunday, 25th May 2008 @ 7:30 PM

Its a fact but anyone can get a bad credit rating. Its not just people who have poorly paid jobs or more loans than they can really cope with that end up with a bad credit history, it could happen to you! You could have a well paid job, you might be able to easily meet your loan repayment schedule, you might not even have a high number of loans and yet the unthinkable can happen. You go along to buy a new car, then when youre discussing financing it you hear the dreaded words - Oh, Im sorry ther... more...

Pregnancy and Family Planning » Credit | By Gordon Goodfellow @ Sunday, 25th May 2008 @ 7:22 PM

Transferring your credit card balance to a low rate, introductory offer card can provide immediate financial relief but it is important to spend time researching the best credit cards for balance transfers in order to get the best deal possible. Like any important decision, it can be costly to take up the first offer you come across. It is worth comparing the terms and conditions, interest rates (both introductory and regular), balance transfer fees, and ongoing fees and charges. Look at the who... more...

Pregnancy and Family Planning » Credit | By Uchenna Ani-Okoye @ Sunday, 25th May 2008 @ 11:02 AM

Anyone who's capable of earning wages, salaries or commissions, can make use of this plan. It should in no way be thought of as bankruptcy. This is simply a court supervised method for a borrower to pay off his debts. The borrower simply draws up a plan to pay off his debts over a three-year period. If the court accepts the plan, the lenders are almost obligated to accept it. While more recent bankruptcy laws still leave room for abuse by dishonest 'big business', they fortun... more...

Pregnancy and Family Planning » Credit | By Gordon Goodfellow @ Sunday, 25th May 2008 @ 7:42 AM

Balance transfers on credit cards are an often unrecognized way to climb out from under the weight of high credit card interest charges. Yet they are a profoundly powerful and easy option. Unlike making application for debt consolidation loans which can be a bit of a trial, balance transfers tend to be simple and fast as long as you meet the criteria. It is not as difficult as you might think to obtain balance transfers on credit cards. Credit card providers are competing for your busine... more...

Pregnancy and Family Planning » Credit | By Gordon Goodfellow @ Sunday, 25th May 2008 @ 7:29 AM

Are you finding yourself swamped by the cost of servicing credit card debt? Is it affecting your quality of life? Are you so stressed that you don't know where to begin to solve your problems? Sometimes solutions are so simple we don't consider them. The simplest answer to your problem in the short term is to transfer the balance of your current credit cards to an introductory zero or low rate credit card. The best of these cards will be credit cards with no balance transfer fees since... more...

Pregnancy and Family Planning » Credit | By Gordon Goodfellow @ Sunday, 25th May 2008 @ 7:19 AM

If you are in financial trouble, have you ever considered that credit cards with low interest rates could save your financial bacon? This isn't an advertising slogan, it happens to be true. And of course, the lowest possible interest rate is zero, nada, nothing at all. If you are like a lot of people, you are paying hundreds of dollars every month on credit card interest. You do not need to do this. Simply transfer the balance of your credit card to a single introductory low rate card. If y... more...