Before You Buy Credit Repair Software

There are numerous types of credit repair software currently available for purchase, but there are some things that you can do for free. Before you buy anything, you may want to take a look at some of these.

Balance Transfer Credit Cards - Why Switch Cards?

This article covers the advantages and disadvantages of balance transfers and the opportunity to do it.

A Word About Credit Repair Law

Most credit repair law relates to the Fair Credit Reporting Act. The following article includes some highlights of the law.

Student Credit Card Offers – Good or Bad?

This article describes student credit card offers and both the good as well as the bad reasons to use them.

Credit Card Balance Transfer – How To Use It To Your Advantage

Trying to determine if a credit card balance transfer is for you can be difficult. There are some ways to use the balance transfer scenario to save money and this article shows you one of them.

What Do They Mean By Credit Repair?

The term Credit Repair refers to a series of steps that you may be able to take to either remove defaults from your credit report or over time build up a new and better credit history.

Credit Card Rebates - Offer the Best Benefits

This article describes credit card rebates and how they offer the best benefits among credit cards.

How to Save Big Money with a Gas Station Credit Card

The average American spends over $2000 a year on gas alone. Gas and fuel is a billion dollar industry. How can we save on gas? The credit card in your wallet could be saving you money on gas and all your other purchases.

Preparing for the Unexpected

While many people don’t like to talk about it unemployment is something very real that has the potential to be very damaging for the ill prepared. Due to poor planning and denial, many people once unemployed find themselves in a severe financial struggle. Credit card companies are calling them at home, at their old offices, and in some cases contacting them via mail and e-mail. So not only are they being stalked by creditors they are also, more than likely, getting calls of rejection from potential employers.

Free Annual Credit Report From All 3 Reporting Agencies

Anyone who wishes to apply for a credit card, mortgage loan, car loan or debt consolidation loan needs to be familiar with his/her credit report and the information contained inside. So, just what is included in a credit report? The answer is an entire listing of an individual’s payment history for the past 7 years, current debt load and any public record information, such as judgements, bankruptcy and/or foreclosures. These factors, along with a debt to income ratio, combine to create a FICO score. This is a number that potential lenders use to calculate the interest rate that will be paid during the life of the loan, which is usually determined by any determinable credit risk.

Free Credit Report Access

As of September first 2005, all Americans are able to request and obtain a free credit report from each credit bureau once every year. Checking our credit report regularly is vital to ensure accuracy and protect against identity theft.

The Lowdown on Citi Student Credit Card

Most credit cards would make it a prerequisite for applicants to have a credit history before their application can be approved. With this, students may find their choices of credit cards rather limited.

The Lowdown on Blue Sky from American Express

With credit cards that offer cardholders airline miles or discounts for air travel with multiple options to choose from, picking the right one can be tough. However, you need not search much further with the Blue Sky card from American Express, as this credit card is the cream of the crop.

Don't Let A Lack Of Credit History Prevent You From Obtaining A Credit Card

You may already be aware of the difficulties that face a consumer with bad credit when it comes to applying for loans, credit cards and other financial type services from banks and lenders. Unfortunately, it can be almost as hard for an individual with zero or no credit to obtain a loan or credit card.

The Lowdown on Contactless Credit Cards

Last year, much talk followed the release of credit cards from Chase with which the bank refers to as ‘Blink’, their version of contactless Visa or MasterCard.