Credit Card Dirty Tricks There are many of us that have been badly stung by credit card companies that have charged exorbitant fees to use their credit cards.
The Ghost of Expected Surprises Here, Cratchet, what do you think you're doing? Uh, er, leaving sir. Leaving? It's 5 minutes to the hour. Shall I dock your pay accordingly. Uh, er, no sir. No sir? Well it's back to work for you the...
How To Prevent Fraudulent Credit Card Transactions What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies? Customer wants to pre-pay for a year; Domain Name Registration for 5 years or more; Orders using free email address...
Credit Card Shocker Have you ever looked at your credit card statement? I'm not talking about just making sure that all the transactions are correct. I'm talking about looking at the finance charges. I daresay that so...
How to Deal with Hire Purchase Debt If you want to keep the goods you should ask the creditor to agree to a payment arrangement with you. The creditor is most likely to accept if you can afford the full monthly instalments plus something towards the arrears. If you can't make the full payments, the creditor may agree to reduce the payments, but usually by a small amount and only for a short time. In certain circumstances you may be able to go to court and ask to pay less than the full monthly instalment and extend the length of the agreement.
Bailiffs & Council Tax - Knowing What To Do Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf of your local council. They try to take your goods away and sell them, usually at auction, to raise money to pay the debt. The process they have to follow to say they want your goods is called 'distraining' or 'levying'
Tackling Bad Credit We often hear about credit history and how it affects ones chances of qualifying for a loan. What we do not know are the reasons that make or mar the credit history. Through this article we have tried to explain the reasons for bad credit and how we can escape them. Some of these are controllable like arrears that can be minimised by a change in the spending pattern. Others like divorce are uncontrollable. Read the article for a better management of credit.
Understanding Your Credit Score Understanding your credit score can help you improve it, which can result in better rates on loans. In this article, you will learn the basics of interpreting your credit score and what actions you can take to improve it.
Credit Reports – Why Your Credit Score is Important Your credit score is a lot more than just a number, and it is used by all manner of businesses for all kinds of reasons. Here is what you should know about your credit score.
Credit Suicide Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups". There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a source to determine levels of risk for lending money… and the Fair Isaac Company is where it lies.
Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK? Every time a lender checks your credit history from your credit file (i.e. each time you apply for a loan), your credit-file will have a record of this. These records are known as search entries. Too many search entries could well be a major factor in being declined for new credit. Here are some tips to ensure this does not happen to you.
Dont Trade Your Future for Todays DooDads "Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and We Can Finance It for You," & "Spend Today, 0% APR until Next Year!" We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do.
Making Sense of the Information in Your Credit Report If you've ever applied for a credit card or loan, you've probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you.
Your Credit Card May Be Costing More Than You Think! Do you know what your credit card is truly costing you? Many
people assume that they do, but aren't familiar with the
hidden fees that many credit card companies are charging. In
fact, if you don't keep close tabs on your credit card, you
may end up paying hundreds of extra dollars per year—without
ever really knowing it!
Squeezing the Blood Out of that Old Turnip Let's face it- the days of finding those easy cost savings and service level improvements are gone. Succeding as an executive or business consultant requires a ...
A New Choice for Home Financing: Correspondent Lenders When you begin your search for a new home loan, one of the first things to consider is where you'll get the money. Your basic choices will be mortgage brokers a...
Hope in Humanity Are you starting to lose faith in people? 'Friends' letting you down? Co-workers not keeping their promises? People who said they'd support you no longer return...
Holistic Is Not A Four-Lettered Word If you're anything like me, then you've got a certain picture in your mind of what *holistic* is supposed to be. For me, it's conjured up pictures of holy men, ...
Whose Story Is It? If your story doesn't seem to be working, it could be that you've chosen the wrong viewpoint character. Read through these common problems to see if they might ...
Starting and Article Submission Website, Oh the Pains Google's new AdSense program is a smart move for marketers at their newly traded company. Many Internet entrepreneurs see it as a good way to make a lot of mone...
Attitudes - The Overlooked Inventory It goes without question that any business intending to thrive will, sooner or later, be forced into making an honest inventory of assets and liabilities. Yet, ...
Life Insurance Benefits Life Insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse, children or other beneficiaries i...
What is My Life Purpose? You have a purpose for being here, but what is it? In this article, UK expert, Jo Ball explores how you uncover the answer to this difficult question.
What Goes Down (Sometimes) Comes Up Again This is about the law of gravity inverted...sorta. Nature always strives to create balance, which is otherwise known as homeostasis. Examples would include day ...
Top 5 Tips For Media Selection Marketers have a wide variety of media at their disposal. There are a number of options depending upon what you are trying to accomplish.
Cold Calling Reluctance Article discusses the how sales people make cold calling unnecessarily difficult for themselves by misplacing where the pressure should be during a phone call.
Beating Your Neck, Back and Shoulder Pain Suffering from neck, back and shoulder pain? If you are, you're in good company. Millions of people wake up every morning and endure every day experiencing pain...
The FICO Score Misconceptions There are many misconceptions about credit scores out there. There are borrowers who believe that they don't have a credit score. There are others who think th...
Muscle Cramps and Exercise Quite often runners and exercisers experience painful muscle cramping either during or immediately following a strenuous exercise bout and as a result, these ty...
How Refinancing Works Refinancing has become an increasingly popular method of loan management in the past several years, but there are still a lot of people who aren't exactly sure ...
