Author: Wendell and Charmayne VannatterMany people today are trying to acquire a Zero Balance Transfer Credit Card in order to lower their current interest rates. If you are one of those people, than we have good news for you. Today in the banking world there are many credit card companies who are willing to give you a credit card with 0% interest rates. If you are a person who carries a lot of credit card debt, than this option may prove to be...more
Author: Wendell and Charmayne VannatterAre you planning to apply for a secured credit card? Are you delaying an application because you’re not sure whether you’ll be approved or not? Do you have problems with your credit score? If you answered yes to any of these questions then consider these credit card application tips so you can meet the requirements when you apply for a secured credit card. You Need to Know Your Credit Score. Number one...more
Author: Wendell and Charmayne VannatterA Bad credit history credit card can easily provide access to credit for anyone who will not qualify for a standard credit card due to a poor credit history. Most credit card companies do not want to deal with customers who have poor credit because of the risk of future default. However, there is a growing sector of special high risk credit card providers. A bad credit history credit card will work much the same way as traditional cards, but the interest rates and fees will be higher so as to help underwrite the risk. Although, if you pay the card off each month and do not go over the credit limit many of these costs can be avoided. These Cards Will Help to Repair Bad Credit There is one thing to keep in mind; a guaranteed acceptance credit card will only offer you a low credit amount. These amounts are usually only in the 200 to 300 dollar range. Remember, if you pay your monthly charges off in a timely and consistent manner you will greatly improve your credit score. Credit card companies and traditional lenders report to the leading credit reporting agencies, such as Experian, Equifax and Trans Union at the end of each month. Bad credit is...more
For some reason, a lot of people believe that credit repair is difficult and that only credit repair specialists can repair bad credit. That is just not true. Repairing bad credit is simple, particularly if you are armed with the correct information. Here's some free credit repair information to help you fix your credit report.There is no need for...more
If you are struggling with bad credit you are not alone. Thousands of people have negative items on their credit reports. The good news is that there are proven ways to repair bad credit. So if you're in need of fast credit repair you can learn how to do it. Before extending credit to you, creditors will check your credit history to decide whether...more
Did you know that repairing your credit rating is one of the most important financial decisions you can make? Because with every financial move that you make a credit report is involved, it is very important that you have a good credit rating. Do-it-yourself credit repair is possible and it can be effective if you follow the proper steps.Before extending credit to you, creditors will check your credit history to determine your creditworthiness. A poor credit rating can hurt your chances of getting approved for the loan or credit you want.Before you begin the process of repairing your credit, you will need to order your credit report. That should not be difficult since you have the right to obtain one free copy of your report annually. Also, you can get a free copy of your report if you have been denied credit within the past 60 days because of the information in your report.Once you've received your report, examine it carefully and make note of any errors or inaccuracies you find and then send it in to the credit bureau for correction. Before you mail your dispute letter and other documents, make sure you make copies for yourself. It's always a good thing to keep records so that...more
Author: J NewtonBen was desperate. He had over $30,000 in credit card debt and the demand notices were piling up. Within a few months he was going to face foreclosure on his condominium. He had to figure out how to negotiate a credit card settlement...more
Author: J NewtonWhen credit card balances begin piling up and monthly payments become hard to handle, debt settlement can be a viable way to avoid succumbing to bankruptcy. Debt settlement companies offer a solution to mounting debt by enabling...more
Are you looking for free credit repair tips? Do you want to learn how to get rid of bad credit? Want to repair your credit report, but don't know where to start? If so, this article is for you.Most people know how a bad credit rating affects your...more
It is so easy to fell into the trap of student credit card debt and get you into more debt troubles than it should. If you have managed to get yourself in debt, chances are that you owe a lot of money on your credit card, or possibly several...more
Are you looking for information on bad credit repair? Perhaps you're being turned down for loans, credit cards, or paying high interest rates. If you are looking for ways to repair bad credit, then this is for you. Many people assume there are no...more
Author: Jeffrey JudgeYes, and it is easy to do. You have a right to review your credit reports from all three major credit agencies once a year, free of charge. You may have seen and been discouraged by spam emails and websites that promise to give...more