How Do You Read a Credit Report
Posted by admin on Nov 13, 2008
Reading credit reports can be very confusing. A credit report is divided into four sections: Identifying information, credit history, public records and inquiries.
Identifying information: Well, just that—information to identify you. Here’s where you will find your name, social security number, address, date of birth, drivers license number, employer and even your spouses name. Study it [...]
Who is looking at your credit scores - and why?
Posted by admin on Nov 12, 2008
Strangers - all kinds of strangers - are regularly looking at your credit scores, accessing your history, and forming pictures of your life. All they need is your social security number - and that isn’t hard to get any more.
Who are these people, and why do they want to know your private business?
· Credit card [...]
Business credit cards: Robbing Peter to pay Paul?
Posted by admin on Nov 11, 2008
Any business, no matter how large or small, requires funding. Once the capital to launch the business has been secured, the new business owner then faces the need for regular turnover in order for the business to perpetuate itself. While this may seem obvious, it can be a tougher task than originally anticipated, especially in [...]
Want a Better Credit Score Report? Pay Down Your Debts
Posted by admin on Nov 11, 2008
Getting a better credits score report, sure; that sounds easy. If you had extra money you wouldn’t have those debts, right?
But stop and think about it. If you really want a secure financial future, it’s in your best interest to cut spending and get those debts paid down. Remember, the better your FICO score, the [...]
How to Buy a Home When Your Credit Scores are Low
Posted by admin on Nov 10, 2008
Gone are the days of sub-prime mortgages, stated-income, and zero down loans and loans for folks with no credit scores. Gone also are the creative financing options that allowed sellers to carry back a note for part of your down payment.
Maybe they’ll come back as part of the government’s “bail out” program, but it isn’t [...]
Who is looking at your credit scores - and why?
Posted by admin on Nov 10, 2008
Strangers - all kinds of strangers - are regularly looking at your credit scores, accessing your history, and forming pictures of your life. All they need is your social security number - and that isn’t hard to get any more.
Who are these people, and why do they want to know your private business?
· Credit card [...]
Gas Credit Cards: 3 Things You Thought You Knew
Posted by admin on Nov 6, 2008
If you think you know everything there is to know about gas credit cards, you may want to think twice. The gas cards of today are nothing like the gas cards of yesteryear, and people who don’t see that don’t know what they’re missing out on. Before you go falling for the common myths surrounding [...]
Future of Credit Cards
Posted by admin on Nov 5, 2008
Credit cards were born 50 years ago, on October 1, 1958, when American Express unveiled its legendary card. It was made of paper. The paper cards soon morphed into the familiar plastic credit cards, and today nearly everyone you know pays for purchases with the ubiquitous plastic.
Through constant innovation, credit card technology made sure that [...]
3 Things Everyone Should Know About Prepaid Credit Cards
Posted by admin on Nov 5, 2008
In the world of prepaid credit cards you have the good guys, the bad guys and the occasional guy who sits on the fence — and you can never really be sure which way that guy is going to lean. How do you tell which card is which? If you’re looking to use prepaid credit [...]
Comparing Credit Card Offers
Posted by admin on Nov 5, 2008
Because of the intense competition in the credit card market, you may find your mailbox swamped with credit card offers of all kinds. The direct mail you receive and the advertising you see on various media all have a single goal: to entice you to take advantage of these ’special’ credit card offers. How can [...]
