When there is system in place, you can either fight the system or find a way to work with the system to achieve what you want. I have heard and read serious complaints on the unfairness of the system that requires very high credit scores before one can have access to credit be it mortgage, car loan ......[Read More]

Credit cards are very dangerous to the average person. One reason this is true is because we are never taught how to handle credit cards in the proper manner. Once learned, an individual will never ... ......[Read More]

Most states have policies regarding what their electric companies can do to you if you can't pay your bill. Some base their disconnection rules on temperature and others base them on dates and seasons. A few do not provide customers with much protection at all. In most circumstances, a utility compa......[Read More]

In our fast running life time is money. Time management is must. Car plays a very important role in our busy life. ......[Read More]

Swipe it, charge it, whatever you do, you get instant payment in just a blink of the eye. Credit cards are one of those little things you will always wish you have to accomplish your everyday tasks. Most of the time, credit cards serves as back up payments when you do not really have the money you n......[Read More]

A Card Payment Terminal allows businesses to accept credit card transactions. There are a few different types of Card Payment Terminals that merchants can use, but all of the terminals are used for the same purpose and perform the same functions. ......[Read More]

The real estate market here in New York is not exactly the same as it is in other parts of the country. Yes we do have a great buyers market right now with the huge amount of foreclosures and low interest rates, but taxes are still very high as are prices. Your best bet if money is tight or if you a......[Read More]

Credit cards can give you the convenience of being able to buy things without the need for cash. Although having a credit card can be a luxury, it can also have a negative impact especially on your credit score. Eventually your bills may pile up and you will find yourself unable to settle the balanc......[Read More]

Your credit report is a very important document.In fact, the information contained on your credit report will help determine whether or not you qualify for loans and, if you do qualify, it will help the lending institution determine how much interest you will have to pay on your loan.......[Read More]

In order to help prevent against a credit industry collapse and protect their customers, financial institutions must educate their employees on all applicable laws and regulations and ensure that they remain up-to-date on any revisions to Regulation Z. ......[Read More]

When faced with the option of debit or credit, many consumers choose the payment option they are most familiar with. For example, if you are accustomed to credit cards, using your debit card as a credit card is ideal. However, debit cards are not always equipped with credit card capabilities. The ty......[Read More]

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months.......[Read More]

Christmas is fast-approaching and everyone in the family will want the latest must have gadgets and toys. As well as the gifts there's all the food, drink and entertainment to pay for, but recent research found that in order to pay for it all last year, two in five people in the UK used their c......[Read More]

Are you ever going to own a home again? Many people with Bad Credit will see their dreams of owning a home evaporated over the next few years. This is brought on by the credit crisis in the banking industry. Banks are blaming bad credit people for the recent collapse in the mortgage industry. Howeve......[Read More]

People searching for a fast auto loan need to consider that not all auto loan companies operate the same way. Some of them are definitely much faster than others when it comes to issuing an approval. Most of these companies will claim that they can provide you with a fast quote and approve you in on......[Read More]

If you have an account that is in collections it will affect your credit score. Most people do not know how much or how long it will impact their credit. Learn what a collection account does to your c......[Read More]

Have you experienced a bankruptcy?Maybe you have just had trouble paying certain bills on time for the last few months because you lost your job?There are many reasons you may have bad credit scores.......[Read More]

Learning to manage and build credit isn't that difficult if you have the desire and are motivated to establish a good credit score. Find out how you can start taking steps towards achieving a great credit score starting today.......[Read More]

Identity theft is one of the world’s most notorious forms of fraud. In 2010, it affected over 8.1 million Americans and caused approximately 37 billion dollars in damages. A growing threat, one of the biggest ways to stop identity theft is through regular credit monitoring.......[Read More]

The fastest and the most influential way to improve your low credit score is to delete bad credit from your credit report. You could use two techniques to remove either inaccurate, negative or questionable items from your credit report. A very simple way of deleting bad credit from your credit repor......[Read More]