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Credit Cards

Filing a Complaint Against a Bank or Credit Card Issuer Filing a Complaint Against a Bank or Credit Card Issuer

Whenever a consumer feels that they have been taken advantage of by a financial institution, bank, lender or any company whatsoever, they are entitled to report it to certain federal agencies. Since this website deals with consumer finance, below is...


What to Do if You Have a Large Credit Card Balance What to Do if You Have a Large Credit Card Balance

There are steps you can take to protect yourself from becoming a victim of abusive credit card practices. These steps are meant mainly for poor people or those struggling with too much debt who are much more likely to be victimized by credit card com...


How To Use A Prepaid Credit Card How To Use A Prepaid Credit Card

Acquiring a credit card may be difficult for some consumers to due to annual income requirements and credit history checks. That doesn't mean there aren't similar options available which have the same flexibility of a standard credit card with slight...


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Credit Reports

How To Remove Late Payments From Your Credit Report How To Remove Late Payments From Your Credit Report

Payment history is the single most important factor when calculating a consumer's credit score. It accounts for the highest percentage, 35%, of a credit score and can therefore have a significant negative impact when trying to obtain credit. It's not...


When Do Creditors Update My Credit Report? When Do Creditors Update My Credit Report?

Many consumers, once they start getting their free annual credit report, may wonder when the information which appears actually gets added. All information on a credit report is submitted by creditors whom consumers have existing relationships with s...


How Do I Dispute The Information On My Credit Report? How Do I Dispute The Information On My Credit Report?

An accurate credit report is crucial to qualify for loans and receive the best interest rates. Over time, incorrect information will appear on an individual consumer's credit report either due to reporting errors by retailers and financial institutio...


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Credit Repair

How To Avoid Credit Repair Fraud How To Avoid Credit Repair Fraud

Falling victim to credit repair fraud is an all to common occurrence. Consumers often get desperate when trying to eliminate excessive debt and stop hounding collections companies. Unscrupulous firms will offer fanciful and unrealistic credit repair ...


What Should I Do If I Am Declined For A Credit Card? What Should I Do If I Am Declined For A Credit Card?

Obtaining a credit card is relatively easy but not necessarily a guarantee for a number of different reasons. The lack of a credit history, excessive personal debt, short-term employment and other more nebulous factors may be the reason for being dec...


When To Consider Outside Help For Credit Repair When To Consider Outside Help For Credit Repair

There are many situations where it may make sense to consider outside help for implementing credit repair strategies or to prevent the need for credit repair in the future. Many consumers live paycheck to paycheck, beyond their means or their life so...


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Credit Scores

How To Get A Free FICO Score How To Get A Free FICO Score

Every individual consumer has all of their financial information listed on credit reports at each of the three major credit reporting agencies. These credit reports contain credit histories which lists all accounts, including revolving an installment...


10 Tips to Boost Your Credit Score 10 Tips to Boost Your Credit Score

A credit score, which is a summary of the credit history as it appears on a credit report, is a determining factor when seeking credit. Whether renting an apartment or applying for a job, your credit score will have a significant impact on all aspect...


What Are The Different Ranges For Credit Scores? What Are The Different Ranges For Credit Scores?

A good credit score is crucial for not only obtaining credit with getting a good interest rate when you do. Many consumers find difficult to purchase a home or lease an automobile when they have poor credit but they may not understand what they need ...


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Credit Card Rates

How To Negotiate A Lower APR On A Credit Card How To Negotiate A Lower APR On A Credit Card

Are you overwhelmed with excessive credit card debt? Are you having a hard time making monthly payments? Do you feel like high interest rates on your credit cards are holding you back? It is almost impossible to payoff large amounts of credit card de...


How To Find the Lowest Credit Card Rates How To Find the Lowest Credit Card Rates

Credit cards have provided a level of convenience unseen since the invention of the automobile and as such has been one of the most widely adopted new technologies of the 20th century. The fact that they have been so thoroughly embraced however does ...


How To Lower The APR On A Credit Card How To Lower The APR On A Credit Card

Excessive credit card debt can be difficult to pay off even in the best of times but it is often made even more difficult when there is a high interest rate. Most credit cards nowadays have variable interest rates which fluctuate with market rates so...


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Home Equity Lines of Credit

Penalty For Early Termination On A Home Equity Line Of Credit Penalty For Early Termination On A Home Equity Line Of Credit

A home equity line of credit can be a valuable financial tool for debt consolidation or remodeling a kitchen but there are some drawbacks to be aware of. Early termination fees are used to protect financial institutions from borrowers looking to mani...


What Are The Repayment Terms For A Home Equity Line Of Credit? What Are The Repayment Terms For A Home Equity Line Of Credit?

A home equity line of credit can be an excellent financial tool for home owners looking to use the equity in their home for other purposes. However, qualifying for and repaying a home equity line of credit can vary drastically among different financi...


What Is A Home Equity Line Of Credit Loan? What Is A Home Equity Line Of Credit Loan?

A home equity line of credit loan, also known as a HELOC, allows property owners to use equity built up in their home for different purposes. Using a HELOC however isn't a simple as whipping out a credit card and paying for goods or services. You mus...


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Getting Loans with Bad Credit

How To Get A Secured Personal Loan With Bad Credit How To Get A Secured Personal Loan With Bad Credit

Having access to credit will become a necessity for most consumers at one point or another. If you already have bad credit as a result of financial difficulties, credit can normally be obtained with either a co-signer or collateral equal to one hundr...


Consumer Credit: Repossession Explained Consumer Credit: Repossession Explained

Certain adverse financial events sometimes occur in a consumers' life due to job loss or medical difficulties which can result in falling behind on bills. If one of those bills is a vehicle loan and a consumer is unable or unwilling to make payment, ...


How To Get A Used Car Loan With Bad Credit How To Get A Used Car Loan With Bad Credit

Having bad credit limits a consumers ability to get loans for mortgages and automobiles in addition to affecting possible employment or renting an apartment. A credit history shows and persons financial responsibility and how they behave managing mon...


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Balance Transfers

Rules On Balance Transfers Rules On Balance Transfers

Credit card balance transfers can be the perfect tool for consolidating debt or organizing finances. If used properly, they can save thousands of dollars in additional interest while simplifying monthly credit card payments. However, balance transfer...


What Does Balance Transfer Mean? What Does Balance Transfer Mean?

Paying a credit card balance in full each month is the best way to avoid interest payments and the possibility of building up debt over time. Unfortunately, life is not always so accommodating and can throw unexpected expenses and emergencies in your...


What Is A Balance Transfer Rate? What Is A Balance Transfer Rate?

The credit card industry is highly competitive and among the many incentives to attract and keep consumers is the act of conducting balance transfers. Offering cash back or airline mileage points are great incentives to attract new customers who are ...


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