credit

Some Simple Rules When Using Your Credit Card

September 14, 2011

Spending money comes easily to some people, and spending money on credit cards comes even easier – as this detached way of spending can often make it seem like you’re not spending at all. That is, until the monthly statement comes in and you realize that you have gotten yourself into a bit of a […]

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Comparing Identity Protection Services – What to Look For

September 4, 2011

An actor, portraying a victim of identity theft, bewails the damage done and the hours spent putting back the pieces of a ruined credit history, working to get bank charges and penalties waived and getting their good name back. While many of these stories may depict actual events, advertisers are using fear to motivate consumers […]

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Can You Get Credit After Bankruptcy?

August 25, 2011

With an increasing number of households across the US experiencing financial difficulties, bankruptcy no longer holds the social taboo that it did in the past. But is there ever any way back once you have been declared as insolvent? Bankruptcy is undoubtedly a serious step and there are many different options to avoid bankruptcy which […]

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Can You Get Loan if You Have a Bad Credit Rating?

August 24, 2011

While it seems likely that a bad credit rating can prevent you from the ability to obtain a loan, this is not necessarily the case. The first thing you should do is determine exactly what your credit score is. This can be done by getting a free copy of your credit report from one of […]

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How Many Credit Cards Should One Person Have?

August 15, 2011

These days having a credit card is an almost essential accessory to being able to access the best deals, with cash and checks often seen as a outdated way of paying for purchases of any value. The reliance on plastic has seen a vast number of providers spring up; a simple check on credit cards […]

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The Real Impact of Bad Credit from Someone Who Knows

August 9, 2011

You need good credit to survive in today’s economy. It is so easy to fall behind on bills and watch your credit score drop. Sadly, many people don’t even realize the impact that a bad credit score has on them. Those with poor credit have probably noticed their interest rates have increased. Did you know […]

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Your Personal Debt Ceiling

July 27, 2011

Americans can learn a thing or two about what not to do when trying to get their financial house in order by listening to the wrangling of our elected officials in Washington. It’s shameful to see our legislators bandying around the idea as a political maneuver, when it should be standard practice for corporations, individuals […]

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The Truth about No Preset-Limit Credit Cards

July 20, 2011

If you aren’t a financial expert, as most of us aren’t, you may be confused when it comes to all the different credit cards that are available. Different credit card companies will offer you different deals, each promising something that seems too good to be true. And when it seems too good to be true, […]

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How to Give Yourself Longer to Pay Off Your Credit Card Bills

July 15, 2011

Paying off credit cards may seem like a daunting task, especially if your cards are burdened with high interest rates. Ideally, credit card balances should be paid in full each month, but most people have found this to be next to impossible. If you are having trouble paying down your balance, there is a way […]

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Do Credit Checks Hurt Your Credit Score?

June 28, 2011

You’ve probably been warned by people more experienced than you that getting a lot of credit checks can actually lower your credit score (and by a significant margin, no less).  Unfortunately, this is true.  But it’s not totally accurate.  While a lot of activity on your credit report (in the way of creditors requesting a […]

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