| 11. |
Do You Need That Credit Card?
by: Joseph Kenny
Do you currently have a credit card? If you do, then you are like most other individuals. Credit cards have increased in popularity over the past few years. Despite being popular, there are still many individuals who do not have a credit card. If you are one of those individuals, it is likely that you may have wondered if you need to have one. Determining whether or not you need a credit card i... (read more)
• September 2006 •
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| 12. |
Is Debt Consolidation Good Or Bad?
by: Kathy Burns-Millyard
Many people suffering from deep debt obligations often look towards debt consolidation as the answer to their problems. Sometimes the debt is so painful, they don't always look at both the pros and cons of this debt solution though, so we'll take a brief look here. First though, what is debt consolidation? Simply put, it's the process of combining all your debts into one. If you have t... (read more)
• September 2006 •
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| 13. |
5 Tips for Finding the Best Citibank Credit Card
by: Beth Derkowitz
Citibank offers a wide variety of credit cards, including both Visa and MasterCard cards. Which you choose to apply for should depend on how you will use the card and what features are most important to you. Here are five tips to help you choose the best Citibank credit card for you: 1. Know your credit needs and habits. Do you tend to use your credit cards frequently or just for emergencies? D... (read more)
• September 2006 •
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| 14. |
What Can You Do, When Credit Card Debt Has Taken Over?
by: Karolina Linares
There are millions of lucky people out there who are responsible to the hilt. They pay off their credit cards each month, avoiding interest, and really getting the benefits of those cash back percentages and awards of some sort. But what about the rest of us, who feel like misfits? Are we stupid? Where did we go wrong with this area of lives? It’s time to stop feeling like a butthead (to put it... (read more)
• September 2006 •
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| 15. |
Debt Counseling - How To Deal With Creditors
by: Bill Smith
Have bills being piling up lately and you are unable to make payments? Are you unable to make even the minimum payments on your credit cards? Are you not picking up the phone due to fear of the caller being your creditor? Does all of your debt problems lead to anxiety and depression? Relax, there is hope. Pick-up the phone. Not picking up the phone is not the best of choices I would recom... (read more)
• September 2006 •
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| 16. |
Free Credit Reports
by: Michael Anderson
Get Your's It's A Good Thing! However, unlike your personal resume, you are not the one who puts it all together. The information that makes up your credit report comes from the banks and other financial institutions. They provide this information to the credit bureaus who maintain all the credit reports. Now that you know you have a financial resume out there that is not maintained by... (read more)
• September 2006 •
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| 17. |
All You Need to Know About Credit Score
by: Michael Anderson
What is a credit score? A credit score is a number lenders use to help them decide: "If I give this person a loan or credit card, how likely is it that I will get paid back on time?" A score is a snapshot of your credit risk picture at a particular point in time. There are many types of credit scores, but the most commonly used are credit bureau scores. Credit bureau scores are based solely on ... (read more)
• September 2006 •
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| 18. |
Getting Free Credit Reports Will Require Some Effort
by: Michael Anderson
Federal legislation giving consumers the right to a free credit report took effect in December, with a nationwide roll-out that began with Western states. The law requires the three national credit-tracking companies Experian, TransUnion, and Equifax to provide consumers with free credit reports once a year. Consumer advocates say that the importance of consumers monitoring their credit histori... (read more)
• September 2006 •
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| 19. |
The History of Credit Reports
by: Michael Anderson
Creditor vs. Consumer Have you ever wondered how the practice of using credit reports really began? What kind of situation could have necessitated their development? The history of credit reports didn’t start, of course, until long after the establishment of the credit system itself. Here, we’ll examine why and how credit reports were created. The Establishment of Credit The first practic... (read more)
• September 2006 •
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| 20. |
Comprehending a Credit Report
by: Michael Anderson
However, once your report arrives you may have trouble making sense of it. How are you to read and understand a credit report? There are three major credit reporting agencies that issue credit bureau reports; Experian, TransUnion and Equifax. It is recommended that you obtain reports from all 3 major credit reporting agencies as they most likely contain varying information since creditors subsc... (read more)
• September 2006 •
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