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About Secured Credit Cards
If you have no credit or a negative credit history, it
can be difficult to obtain an unsecured credit card. But,
what you may not know is that you may be able to qualify
for a secured credit card, which can offer many of the
same benefits as an unsecured card.
Building
good credit
You can’t build or improve credit without a good
credit history, but you can’t have a good credit
history without having a credit “past”.
Cosigning
A Loan
What would you do if a friend or relative asked you to
cosign a loan? Before you answer, make sure you understand
what cosigning involves. Under federal law, editors are
required to give you a notice that explains your obligations.
The
Cost of Owning a Credit Card
Everybody wants the card that costs the least to own.
But how do you find that card? And just what are the costs
of owning a credit card?
Credit
and Your Consumer Rights
A good credit rating is very important. Businesses inspect
your credit history when they evaluate your applications
for credit, insurance, employment, and even leases. Based
on your credit payment history, businesses can choose
to grant or deny you credit provided you receive fair
and equal treatment.
Credit
and Divorce
If you've recently been through a divorce—or are
contemplating one—you may want to look closely at
issues involving credit. Understanding the different kinds
of credit accounts opened during a marriage may help illuminate
the potential benefits—and pitfalls—of each.
Don't
Be a Fool With Your Money
As the old saying goes, "A fool and his money are
soon parted." Stop acting foolishly with your finances
and let go of old misconceptions.
How
to Avoid Credit Card Fraud
Credit and charge card fraud costs cardholders and issuers
hundreds of millions of dollars each year. While theft
is the most obvious form of fraud, it can occur in other
ways. For example, someone may use your card number without
your knowledge.
How
to correct your credit report
Are you tired of getting turned down for bad credit? Do
you feel powerless over your credit reports? Good news
for you: you don't have to wait seven years to get your
good credit restored.
Information
on how to repair bad credit
In today’s society you can’t buy a house,
buy or lease a car, or even reserve a hotel room without
credit. And, it doesn’t take much to ruin your credit
either. A few late payments are like strikes against you
in the bottom of the ninth inning.
Negative
Credit Can Squeeze a Job Search
Bad credit can affect your ability to get more credit.
Did you know it also can affect your ability the get or
keep a job? Employers often use a credit report when they
hire and evaluate employees for promotion, reassignment
or retention. |
