Managing Credit and Debt Archive

With the aim of wooing customers, many credit card companies offer rewards ranging from loyalty points to cash-back rebates. There are rewards to suit one’s lifestyle ranging from airline to movie tickets, discounts with selected …

Radio frequency identification, or RFID, is a common technology and one that is growing more common all the time. It is almost certain that you have come in contact with this technology in recent years. …

The best way to repair your credit rating is to maintain one credit card and make regular payments on all loans and other financial obligations in compliance with your monthly budget, cut back on non …

Increasingly, consumers are using credit cards rather than cash for everything from online shopping to purchasing their morning coffee. Unfortunately, credit card theft and fraud is equally on the rise and the more you carry …

Many people finance their cars through dealerships. When this process is done the car stands as collateral for the loan. Collateral for loans are items that can be repossessed if an individual fails to meet …

Some call credit cards the greatest evil of our financial culture. Citing statistics that reflect an average credit card debt of nearly $10,000 per American, they claim that credit cards are going to be the …

Credit can be a fickle beast. Many people simply think of credit cards, but there are actually multiple options available when you are looking to obtain credit.  Thoroughly review all existing options so that you …

The debate about whether or not college students should open a credit card account is a long and heated one. The advocates of this practice are adamant that, if used responsibly, a credit card will …

Many people experience bad credit at least once in their life. However, because bad credit can be repaired and credit scores can be restored, people who have had bad credit should learn from their mistakes …

Student credit cards: Taking the plunge With today’s growing need for electronic conveniences made easy, credit cards have become an absolute must for attaining financial credibility as an individual in the economic market. It is …

The last forty years or so has seen credit become more and more a part of our lifes in England. Back then only the more affluent people had mortgages and credit. Hire purchase had been …

A quick internet check indicates that there are at least 18 different cash back personal credit cards available. Each major credit card vendor offers a cash back credit card. They are popular with consumers because …

Credit Cards & their associated reward programs abound these days. It can be difficult to sort through the various options and discover the right program. Use these quick and easy tips to help find the …

When it comes time to finance the big things in life such as buying a home or a new car, a loan is almost always necessary. Your credit score will have an enormous influence in …

In today’s world there are so many luxuries one can own and our youth crave them all. Computers, I-phones, thousand dollar video game consoles, big flat screen televisions with Home Theater, DVD, CD systems and …

Credit is needed by most individuals in order to feel secure. We all strive for that feeling of security. The road to obtaining the credit you need to feel secure is not an easy one; …

As a student, a decision to get a credit card may arise from a combination of factors. It may be for the convenience of paying school fees and purchasing books on-line. Another reason may be …

As companies become more diligent in recruitment and hiring practices, there is a strong possibility that the job you are applying for will require a credit check. Why has this become a common practice? Well, …

It isn’t easy to stand up and say yes to an issue that can very well be precieved in a different manner then I intend. There is often an image that goes along with teens …

MISSING? Most of us, at some time or another, lose items. It may be simply that the item has been misplaced or it could be that it has been stolen. With the introduction of Chip …

Lending institutions love to fob off responsibility for their lending decisions on various credit bureaus. A typical letter denying credit consists of one short paragraph stating the denial and then four or five paragraphs encouraging …

Other than for emergency purchases, the main argument supporting credit card usage is that it helps to build credit history. However, while using a credit card is a good way to build credit, when not …

Having a good credit reputation is increasingly more important as it impinges on so many areas of ones life. No longer restricted to determining ones ability to obtain credit, loans and mortgages, having bad credit …

The first thing people need to understand is that Credit Cards are both your best friend and your worst enemy. It all depends on how you approach your Credit Card experience. I’ve owned a Credit …

December 15, 2007 at 4:30 am my husband and I woke up to the sound of the alarm clock beeping in the dark. As I came to consciousness from my slumber I noticed our hall …

A bad credit score can severely limit financial options in life, making it more difficult to obtain credit from lenders for anything from a mortgage to a new fridge. But what is considered bad credit …

Like always, the exact FICO formula is proprietary information and thus, not available to the public. However, the Fair Isaac Corporation (the creators of the FICO credit scoring formula) has released information as to how …

In May of 2009, the United States Congress passed a bill regarding the Truth Lender Act, which is an act that governs control only over consumer credit. Stated with all of the information on the …

A credit card is a very powerful financial tool. If it is used correctly, a credit card can help you obtain much financial success by way of a good credit score and a good credit …

An unfortunate result of the current recession is that many people fall behind on their payments and need assistance restoring some sense of order to the chaos in their bank accounts. The debt relief industry …