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Credit : Business & Finance

Ways to Improve Credit Scores

We all know that the world is going through some difficulties - there is a major problem with the economy and all of the world's people are feeling the burn. There has been a few studies done over the past few year, and it has been proven that most of the people, if not all of us, as in debt in

Credit Repair - Dealing With Debt Collectors

Dealing with debt collectors is an art - just as is the way that they attempt to deal with you. Your credit rating is important, and they know that. Professional debt collectors spend every day using techniques that are proven to get results for them. They will hone in on your apparent weaknesses if

Freeing Yourself From the Credit Card Pinch

Millions of Americans deal with the headaches of credit cards. In 2011, cardholders in the United States (U.S.) accumulated nearly $800 billion in card debt. The average balance is a little less than $16,000, or ...

Free FICO Score - It Only Takes 33 Seconds

You can save a lot of money if you are able to learn your FICO scores and also are able to check whether the information in your file is accurate or not. You probably must be aware of the fact that when you apply for loans with banks, they check your scores.

What to Do If You Are Being Sued for a Debt

With the financial stresses of today, many people can't pay their bills. This results in calls from creditors, letters from lawyer's offices and, eventually, a court summons.

Legislation Introduced to Protect Consumers from Credit Card Debt

Credit card companies are being placed under the spotlight. Legislation is being introduced to force banks and lending institutions to be more forthcoming with the dangers of carrying credit card debt. The introduction of Bill S. 2542 will help educate consumers about the damage that carrying credit

How Does a Repossession Harm Your Credit?

Needless to say, a repossession greatly harms your credit. It will remain on your credit for 7 years. During that time, you will probably get turned down repeatedly for loans.

Why Choose Credit When You Can Use Your Debit Card?

In principle, using a debit card is more financially responsible than using a credit card. As long as you have the money in your account, it means you are only buying what you can afford and do not have to worry about interest charges. However, there are several situations where, for practical and s

Louisiana's Sitting on Millions in Unclaimed Property

Louisiana is often one of the states holding large amounts of unclaimed property that goes unrecognized. The law related to unclaimed property in Louisiana was passed in the year 1972, which was revis

Logbook Loans - Fast Approval Without Credit Checks

Your car or a vehicle is not only a driving pleasure, but is a tool to get a loan as well. And while you can take a loan against your whole car, it is still best option in the form of logbook loans ap

How to Activate a JCPenney Card

JCPenney department stores offer a rewards credit card to customers with good credit history. Once you apply for a JCPenney credit card, you are instantly approved or denied; if approved your credit card arrives by mail in seven to 10 business days. JCPenney credit card holders can use the account 2

Credit Card RebatesHow They Work

This article describes the differences in rebate credit cards and how each person benefits by choosing a card tailored to him.

Co-Branded Debit Card Programs

A new tool that has been created to give companies an edge over their competitors is the co-branded debit card program. The co-branded program allows any company to use its name and a company logo on a debit or credit card. Each time a customer makes a purchase with this type of card, it works just

Avoiding Bad Credit Fees

Usually people have bad credit problems after they invest in a mortgage, an insurance company or avail an auto load but cannot seem to pay. Due to the problem of having a bad credit score, you are risking your chances on getting some other better cards approved.

Stuff College Students Should Know About Credit Cards

College is the time when many students begin to use credit cards and learn how to manage their money. However, students who do not use their cards wisely can end up paying hundreds of dollars in interest and graduating with thousands of dollars in credit card debt. Students should practice using the

Do Your Bank Accounts Get Frozen the Day You File Bankruptcy?

The process of declaring bankruptcy involves a variety of steps and parties. Only federal bankruptcy courts hold the power to make ultimate decisions regarding all aspects of a bankruptcy case. Answering the question of whether bank accounts get frozen the day you file for bankruptcy requires an exa

When Will a Late Payment Be Reported to the Credit Bureaus?

Late payments reported to the credit bureaus are payments that exceed 30 days. If there's a late payment account in your credit report, then it means you are in default in paying your creditor for a particular period. Let me give you an example of how it works and when the creditors report your