Credit

Choosing The Best Credit Card

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There seems to be adverts for credit card deals everywhere at the moment, all offering different rates and incentives to try and get you to sign up. You may be trying to work out which one is best for you. Well, as you might think, the answer here depends on your personal financial situation. I will

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Check Fraud - Can We Tackle It?

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There are several ways check fraud is done. It usually means purchasing goods or services and paying with the check that was been stolen from the owner and counterfeited or manipulated. Usually thieves steal the check from the owner, counterfeit owner's signature and try to use the check for fr

Credit Reports Explained

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A credit report contains several details about your financial history. It is intended to allow agencies such as banks and other lenders to decide whether they should lend you money, how much they should lend you, and how much they should charge you for the privilege. But what exactly does a credit r

Do You Spend Enough Time Growing and Protecting Your Credit Scores?

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A survey shows that consumers spend about the same amount of time researching the purchase of a computer as they do getting a loan for a new home. Most consumers don't realize the impact that a small change in interest rate can have on the amount of interest they pay over the life of a mortgage

How to Afford a Home

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A home is one of the biggest investments that most people make in their lifetime. Your home, if properly taken care of, should continue to hold its value and will most likely appreciate in value over the years. However, there are many factors to take into consideration before purchasing a home inclu

Make Money With Cash Back Credit Cards

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Cash back credit cards are a great way to get some of your money back that you spend using your credit cards. With plenty of credit cards issuers offering this to the credit card customers now, to entice hem into spending more,

Credit Restoration Step 4 of 5 - Contacting Creditors

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A lot of people avoid talking to the people that are collecting on their debt. Creditors can be your worst enemy, but they can also be your best friend. There are ways to pay off your debt and restore your credit with out dealing with anyone else beside who you owe.

How to Find the Best Credit Card

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Looking for the best credit card? What makes the best credit card, and how do you find it? There are several routes to making this happen, and here, you will find it!

How to Get Your Bank to Give You a Lower Payoff Balance

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Getting your bank to give you a lower pay off involves convincing your bank to settle your debt. With a settlement, the bank forgives some of the money owed. Banks don't routinely settle debt on credit cards and loans. However, because banks and creditors prefer to receive something from you instead

Swipe Here And There

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Whenever holiday seasons come up, people are going crazy and busy shopping for all the things they want and to give out to their special someone in life. Stores at the same time have all these great benefits and marked down prices in almost all of the items being sold. With this, most of the individ

Breach of Contract Causing Unnecessary Legal Fees

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Whether you are a contractual employee who has been wrongfully terminated or a homeowner who employed a roofer to reshingle your roof and the roofer left the job half done, you may have a breach of contract case on your hands. However, taking your adversary to court will cost you in legal fees. The

Unsecured Major Credit Cards - A Flexible Financial Tool

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Before discussing unsecured major credit cards, let us discuss the difference between secured and unsecured cards. A secured card is a card where in you are obliged to open a savings account with the bank known as a security deposit.

Can a Wife Use a Husband's Credit Card if She is Not a Co-Signer?

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A wife can use her husband's credit card even if she is not a co-signer on the credit card account. To do so, she must be an authorized user on the account. If a wife is not a co-signer and is not listed as an authorized user on her husband's credit card account, she cannot legally use the card for

Applying For Credit Card Online

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Online credit card applications are speedy, simple and highly safe and secure. If the safety aspect of giving your personal details over the internet is something that you are wary of you can download the credit card application form and drop it off at the bank or post it in.

What is the Maryland Statute of Limitations on Credit Cards?

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Consumers should know about the statutes of limitations relating to consumer credit card debt in their particular states. Credit card companies, debt collectors, debt buyers and credit reporting agencies doing business in Maryland, as well as in all other states, are subject to the laws and rules of

Where You Can Lose Your Identity

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Id theft is a white collar crime that continues to make consumers suffer. There are many identity theft stories that leave credit holders fearful of conducting online transactions, or sharing their information even when it's ...

How Long Does Negative Information Stay on Your Credit Report

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Your credit report is a snapshot of your payment history. It details when you applied for credit, how many positive and negative accounts you have, who viewed your credit report, and all of your personal information. Reviewing your credit report every four to six months gives you a chance to check f