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Find out why credit reports for employment are often conducted by companies and organizations before offering you a particular position or promotion. More and more companies are running credit checks on applicants, and this information is often an important factor when deciding who to hire. Many employers feel that your financial history is a good […]

Protect your credit history by getting your free annual credit reports, and following these simple identity theft protection tips. As we mentioned so many times before, your credit history is what will influence your entire financial life. It will determine your reliability as a potential customer for a credit company or institution. So, let’s take […]

Yes, you can find credit cards guaranteed approval, and in a lot of cases they will be issued; but what if they aren’t? What can you do when you need bad credit credit cards? Help! My Credit Card Application Was Denied After receiving hundreds of mails saying that your credit card application has been approved, […]

If you use credit card payment terms wisely, you can improve your credit card rating, and learn about credit card laws too. After having used your card to purchase what you wanted, it is now time for you to start paying it off. Because charging your card is definitely easier than paying off a debt, […]

Security begins with understanding credit card numbers and what they mean for gas, Discover, Visa, MasterCard, American Express credit cards. All the numbers that appear on your credit card have a precise meaning and do not only specify its holder. Let’s examine these meanings. The majority of credit card companies use the same approach when […]

Sadly enough, wallets and purses get stolen or lost quite frequently. So, what shall you do if your credit card is missing? You need to know to protect yourself from identity theft! As a matter of fact, all trustworthy credit companies have some sort of policy to protect you in cases of loss or theft. […]

Learn why a credit card expires, how to renew it and what to watch out for. In addition to a series of numbers, one element that characterizes your credit card is its expiration date. Let’s now consider why this date is to be taken really seriously, even though most of us do not even know […]

How to get a creditor to make the deal you want. Credit Card Debt Settlement Program Tip: Remember, you have a distinct advantage in negotiating debt settlements … you have what the creditor is after. Learn how to negotiate! Don’t collapse if their first answer is negative. Stay calm and relaxed. It may be best […]

Credit card debt negotiation means it’s time to negotiate what happens to your credit report with the creditor. This is extremely important since a “paid” collection can be as bad to your credit rating as an “unpaid collection” if reported in a way that isn’t in your best interests. All your efforts and money will […]

Credit Card Debt Facts: According to NellieMae (a wholly owned subsidiary of SallieMae), the U. S. Consumer median credit card balance was $3,068 in the year 2000. Assuming an annual interest rate of 9%, and paying the minimum monthly payment on $3,000 of credit card debt, it could take you approximately 50 years, and result […]