G. Avoid Credit Repair Clinics

You’ve probably seen ads for companies that claim they can fix your credit, qualify you for a loan or get you a credit card. Their pitches are tempting, especially if your credit is bad and you desperately want to buy a new car or house. Avoid these outfits. Many of their practices are fraudulent, deceptive and even illegal. Some have been caught stealing the credit files or Social Security numbers of people who are under 18, have died or live in out-of-the-way places like Guam or the U.S. [more...]

Date: 2009-07-23 09:02:39

Blog posts (514) | Videos (260)
 

Acquiring A Great Credit Score

by Mark Cunningham Making a healthy credit grade is serious in today’s society ... can begin obtaining a no credit or bad credit Master Card or Visa. This will be helpful ... to buy luxury items on the credit. It is very easy to get a bad credit score against [more...]

Date: 2008-12-25 08:52:50

debt on a holiday

one of the problems being faced by people nowadays are bad credit reputation, be it on credit cards or phone bills and from other loan institution ... . and this are for people who are looking to get emergency cash right to their checking account safely ... their credit capability and hopefully their future, financially speaking. [more...]

Date: 2008-10-27 14:03:42

Bad Credit Doesn’t Mean No Credit

by Chris A Smith Just because you need help with your credit report does not mean you are automatically excluded from getting a new line of credit. Each lending institution, be it a credit card company or a bank, has it’s on rules regarding the granting of credit and often times these can vary greatly from institution to institution. Usually, the company offering the best rates and terms is more conservative than others and will consider the entire credit history of an applicant. [more...]

Date: 2009-06-08 12:30:05

Stuff is Not Salvation

In the slumping economy, I have been asking myself this question "What do I need to be happy?"  I have plenty of clothes ( ... , and maybe we may just find true happiness is not something that can be bought with a credit card ... - Good or Bad Shopping - Good or Bad What passes for the holiday season began before dawn [more...]

Date: 2009-01-03 23:39:18

Why A Credit Score Is Crutial To You

Credit scoring is nothing new, it’s been used for 4 decades. A good credit grade is crucial in our financially forced order ... you can begin to apply for a bad credit or no credit visa Master Card. This will be helpful ... a house or a car and gaining a charge card, a person must have a good standing in their credit history [more...]

Date: 2009-01-03 21:05:48

Credit Repair Isn’t Impossible

Credit Repair Isn’t Impossible December 27th, 2008 Subscribe To Our Feed Millions of Americans who lost their homes in the foreclosure crisis ... again. One way to re-establish good credit is to secure one of the credit cards for people with bad ... , as there are obviously many scams preying on the poor. An unsecured credit card paid each month [more...]

Date: 2008-12-27 08:00:52

Easy Payday Loan

There are many benefits Payday Loans compare to obtain various forms of cash, such as credit cards ... rates on credit cards encourage many more people outside, and this is where payday loans come in this type of credit, far easier to find even if you have bad credit. Usually, they do not require any [more...]

Date: 2009-01-01 19:22:48

September 2008 Financial Status / Net Worth Update

Finally got around to adding up the numbers for the last month: ... I have the ability to pay the credit card balances off, I choose not to. Retirement and Brokerage accounts The bad ... Credit Card Debt If you’re a new reader, let me start out as usual by explaining the credit card [more...]

Date: 2008-09-08 12:51:08

Hi-ho, Hi-ho, It's Off to Work I Go

I try to keep it fun and light-hearted over here, but today I just can’t. Blame it on PMS—or the bad economy—or my mounting credit card debt—or my pokey underwire bra. I’ ... credit card bills that needed paid down…and who knew when the car was going to break down again… [more...]

Date: 2008-12-09 16:14:00

Instahoglets for Jan 2, 2009

By BJ And so now I have to remember to start putting '09' down when I sign and date things, just after I finally got used to using '08' ... card companies for profit at their students expense. I refused to get a credit card while ... card companies, bad for the students, (at least those without parents capable and willing to bail [more...]

Date: 2009-01-02 19:22:51

Think You're Having a Bad Day?

It could be worse: Visa CEO loses his credit cards Imagine running the world's largest credit card network, and not having your own plastic. That's what happened to Visa Inc Chief Executive Joseph Saunders. He spoke Thursday morning at a Goldman Sachs financial services conference in New York, and had come from San Francisco, Visa's [more...]

Date: 2008-12-11 19:54:29

What Is A Poor Credit Mastercard?

These days in spite of a poor credit rating it is still feasible for a person to obtain a credit card from the mass that presently exist in this competitive market. The question you really need to ask is, what ensures a bad credit Mastercard ... little difference. To an individual experiencing bad credit matters, it is doubtful they will care [more...]

Date: 2008-12-29 06:57:07

Home Refinancing

Many debtors in California were able to get out of debt with California debt consolidation programs ... . It's a phenomenon that is sweeping the country. It is also why so many people are now plagued with bad credit ... people have been using their credit cards too often and they find it difficult to pay back [more...]

Date: 2008-11-03 13:31:59

Junk Mail

Right, enough of that sappy stuff - something is getting on my nerves ... Message". Erm, don't think so. Thanks all the same.From NCE (whoever they are) - "Our bad credit Visa card search has your card....". What? I pay my balance off every month and I'm sure my financial [more...]

Date: 2008-10-16 11:14:00

10 College Money Myths

If you have kids heading to college this fall, be sure to have some open discussions about money with them before they go. In addition, a check in call after a month to discuss money isn’t a bad idea. Here ... on a credit card. If so you can use cash rewards credit cards to get cash back on your tuition [more...]

Date: 2008-08-26 11:00:22

Happy New Year Facebook - your employees think you’re lying about advertising. And they may have a point

A gremlin inside Facebook - or more likely a disgruntled employee - briefly hacked Facebook in the last few hours ... get you a 2:1″ and Bad credit? Get a credit card with 39.9% APR!’. Classy.” The thing is, social ... and business, then why do I get shown ads for Credit Rating Reports, as I did today? On thing’ [more...]

Date: 2009-01-05 11:59:10

Credit Repair Help - Here’s How To Start Right Now!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult. It’s hard to repair your credit and it makes life difficult to have bad credit ... coffees. We need to then know what’s in your credit report. There are three credit card companies [more...]

Date: 2009-01-05 11:03:01

The Cheap Credit Cards Review

The bad credit report is one thing that will stop you from being able to apply for a loan ... will help by serving you the free credit repair. This web site is providing a page in where ... problems and of course in a rush to get the cash fast. Therefore, you will have to enter the cheap [more...]

Date: 2008-11-14 09:06:34

What Gives? Is the Economy really that Bad?

Just making a quick observance and summary of my interactions with friends, ... ? I feel it is the latter. You may ask how could the people be responsible? Simple, short answer… BAD CREDIT! 2nd mortgages, more credit cards, etc… all just to make their world seem better because [more...]

Date: 2009-01-16 23:05:16

Credit Card Lenders Clamp Down Hard

Consumers are in a newly austere mood, and those who have lived beyond or at the edge of their means may be forced to retrench whether they want to ... wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... , some can come back to haunt consumers. The result can be a lower credit score, which forces a borrower [more...]

Date: 2008-10-29 03:50:36

How to Use 0% Interest Credit Cards

If you're credit is strong enough to garner the attention of credit card companies offering 0% introductory interest rates, then you surely have the discipline Huntsville Alabama car loans financing with bad credit mortgage home loans, real estate auto insurance, web design. Huntsville schools festivals business events [more...]

Date: 2008-12-23 12:45:37

How to Repair Bad Credit – Find Out Just How Easy This Can Be

Lower credit scores are the result of minimum payments, late payments, too many cards and not enough income, and bad financial planning. Most people who have a credit card can not afford the lifestyle they live, and end up using most of their monthly income on credit cards…Last 5 posts by LendingTree Says Google's Getting Into Mortgage Quotes - September 11th, 2009U.S. [more...]

Date: 2009-09-12 06:00:56

Good Credit Report Score

Good Credit Report Score December 20th, 2008 Subscribe To Our Feed Bankruptcy is an option but the laws have changed and it is not always the ... establishments that promised to help you may have ended up hindering you. Bad Consolidation Credit loan personal Getting your credit card debt relief procedure started is the most important thing [more...]

Date: 2008-12-20 06:19:18

Why Cash Offers More Flexibility Than Gift Cards

Photo courtesy of krisandapril We have recently attended a number of weddings, ... with the swipe of a credit or debit card. Gift cards may get lost. I am notoriously bad at keeping ... in your birthday card and get three pennies back it registers.  When you swipe the same amount [more...]

Date: 2008-09-30 18:00:53

Credit Repair

Having a good credit reputation is necessary for an individual to be able to have his loans easily approved ... , you should learn how to manage your credit score. Although some credit card companies offers a little ... is Aaacreditguide.com. The site has in depth topics about rebuilding your credit and removing bad credit. A good [more...]

Date: 2008-09-05 04:07:00

And Breathe....

I had made this ornament mirror two years ago with vintage glass balls. Last year it fell and smashed into a million pieces. No biggie ... on your credit card bill, your card doesn't have to be stolen for the bad guys to get a hold of it... I wanted ... out that someone had stole my credit card number and put $9,000.00 worth of furniture on it! (well, [more...]

Date: 2008-12-08 18:23:00

Debt Consolidation Tips & Resources

Hubby and I are discussing about getting a credit card for myself so that we can use it for good in the future ... of debts in credit cards. Until one day, he ended up of bankruptcy. Bankruptcy is really a bad idea because your credit line will be bad, you can’t apply for a loan instantly especially housing loan [more...]

Date: 2008-07-09 12:33:16

10 Tips on Using your Credit Card Wisely

This is a guest post by Andy over at Retire at 40. Check out his great blog and subscribe to his RSS feed here. I’ll admit it. I’m a credit card user. I use it a lot, not everyday, but a lot. Am I wrong? Am I a bad person ... ways why you’re not an automatically bad person if you use a credit card but you must follow them [more...]

Date: 2008-12-25 03:49:57

Consumers Get a Break on Credit Cards - Finally

First the bad news: these rules don’t take effect until July, 2010 ... barring the deceptive and punitive practices of many credit card issuers. The policy statement ... thirty days late on a payment. In that case, credit card issuers can still increase your interest rate [more...]

Date: 2008-12-19 01:43:31

Help Your Student Find the Right College Credit Card

If you’re a parent or a guardian of a college student, ... with being a card holder. Yes, the dangers of bad credit can be avoided if youngsters are properly educated ... for students that offer great deals with no annual fees at all. Check credit card review websites [more...]

Date: 2009-01-08 02:36:37

Store credit cards - when do you need them ?

It is often tempting to apply for store credit cards as they are often accompanied  by 15 to 20% discount on the first shopping.  However these may not be good in long run - regardless of your credit history - good or bad ... on the merchandise as well as on the interest.  They also save on the credit card commission that usually [more...]

Date: 2009-01-05 03:11:00

No Credit Mastercard

In these current times irrespective of whether you have a bad credit history it is still feasible for an individual to obtain a no credit mastercard ... - a Visa card or a poor credit Mastercard? ... from the multitude that presently exist. All The Same, people who are experiencing a bad credit [more...]

Date: 2008-12-24 15:40:03

This Week in Credit: Fees and Scores

adele_D_20090115144535.jpg Getty Images Credit card pop art The bad news: ... . Some good news: Free credit scores might be offered more widely. Keepers of the FICO score Fair ... and have not finalized our suite of products and features at this time. Credit-score watchers, keep us posted [more...]

Date: 2009-01-16 17:57:45

Have You Ever Lost It All ?

We are headed for some wicked hard times.  Some of us are already feeling the sting ... credit card debt spread among about 5 different cards, no job, no place to live and if that wasn’t bad ... from my job and lived on credit cards for months while trying find another job.  After several months [more...]

Date: 2008-10-10 11:00:39

Credit Card Companies Are Closing Unused Accounts

Several GRS readers have written lately with the same credit card problem — but not the one you’d expect ... on to the accounts since they help my credit history. I just got some bad news about my oldest credit ... . And for my past loyalty they’re willing to potentially make me take a major hit on my credit score [more...]

Date: 2009-01-06 19:00:00

Finance Issues Online

A good financial resource online can be found at Monitorbankrates.com, an abundant amount of financial quotes, articles, and links all at one site. With so much talked and written about credit that can be had while dealing with bad credit scores, I was surprised to see them talk concerning the issue of Excellent Credit Credit Cards receiving [more...]

Date: 2009-01-17 05:48:23

Why Credit Report Scores Are Important

Many of the younger generations are less concerned with their credit report scores than ever. Record numbers of young people are developing bad credit from the moment they turn eighteen and receive credit card offers. However, younger generations need to understand that they can put their entire futures in jeopardy by digging themselves a financial hole. [more...]

Date: 2009-09-26 08:27:38

Book Review: Frugal Living for Dummies

Okay another book review and another dummies book. The winner of the Personal Finance for Dummies is Cindy ... about cutting up credit cards and setting a realistic budget.  It also says to track what you spend and really stick to a budget.  My one issue with this chapter is it only looks at credit card debt as bad [more...]

Date: 2008-10-23 14:00:02

Real Estate investing and bad credit reports

by Doc Schmyz In today’s world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit can reduce the opportunities of things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]

Date: 2008-12-31 15:40:09

Procrastination will kill me, but I am not ready yet...

Doing my bills this morning, as I try to correct the yaw in my course - and I look at my annual percentage rate on one of my credit cards... yikes! ... that bad boy into bits. Step one taken, sigh. No wonder there is a credit crisis - who could pay ... my checking account. [more...]

Date: 2009-01-05 16:06:00

Membership Has Fewer Rewards

For credit card-carrying Americans, the latest news from the economic crisis is good, then bad, then good again ... they had to, since credit card companies raised their interest rates even as personal income and credit limits dropped. Visa, MasterCard, et al., also are responding to the worsening economy [more...]

Date: 2009-01-14 19:00:18

Theft By Any Other Name

Let’s try a little experiment.  The next time you have a bill due, whether it’s a utility bill, your mortgage or rent, credit card payment, ... s bad enough that tax agencies treat this overflow as a sort of zero-interest loan, now they’re ... to soften the sting) and you’ll have some grasp of the shenanigans the California Controller’s office [more...]

Date: 2009-01-02 03:32:40

Badcreditloanshop.com

.fullpost{display:inline;}The most common problem is financial. same financial problems that contribute to this problem in the bad credit loans ... for you to secede from debt in bank and also credit card, requirement of house, health, insurance ... of your family. Eliminates taste is anxious about debt, with bad credit loan of all your requirement [more...]

Date: 2009-01-13 09:47:00

Bills IQ for your Debt Relief

In our complicated world today, many of us are trying to make most out of our money on hand ... has a Credit card debt. Each one of us is definite to be burden on credit debts and bad credit standing. So, what to do when one is not financially capable or has a degrading credit rating? What else [more...]

Date: 2008-08-23 06:06:10

Bad Mortgages Are Just The Beginning

credit card health Yesterday I talked a bit about how, through the bailout bill, ... be looking at credit card companies such as American Express following suit. I thought ... . Americans have almost $2.6 trillion in consumer credit outstanding, according to the Federal Reserve [more...]

Date: 2008-10-16 17:29:00

Friday morning links

TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]

Date: 2008-10-31 13:20:00

“Living beneath your means”

While most of America was busy trading home equity for a TV, RV, and SUV, I was busy renting apartments and driving an economy car ... times or bad. If you can’t stop using your credit card, get rid of it. An easy check to see ... bad it was. My father once said “I got a 21% rate on my loan, and I was glad to get it.” We may [more...]

Date: 2009-01-06 15:36:19

Bank Bailout Puts Taxpayers At Risk

ABC News' Betsy Stark reports: It all feels less frantic than the government's rescue of the financial system a couple of months ago -- and we can ... , it is reasonable to expect more loan defaults on everything from mortgages to credit cards. And if banks ... these bad assets that are draining bank reserves and investor confidence. In other words, [more...]

Date: 2009-01-16 19:01:22

Get the Best Out of Business Credit Cards

by Mary Bush Whatever kind of business you might be involved in, be it a small business or a big one, to run the errand of business dealings, ... with the financial issues. Today’s business credit cards makes it possible to get cash advances, keeps ... people who have a bad credit history. Many banks boast that they can issue a tailor made business [more...]

Date: 2009-01-06 11:04:39

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