Latest Articles from Credit Card Posts

Sneak Peak!! New FreeScore.com “Starter Home” Commercial Airs February 6

January 28, 2012 | No Comments »

Starting February 6th, we will begin national airing of our two new TV commercials each entitled, “Starter Home.” The two commercials offer something for both men and women. We have one spot featuring a woman looking at her dream home with a...

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Debt consolidation done right

January 18, 2012 | No Comments »

Debt consolidation through a refinanced home loan can offer a tempting promise — the exchange of your maxed-out credit cards for a clean slate. The trouble is, consolidating debt with a refinance doesn’t reduce it by a cent. It just...

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Factors influencing credit report Posted By : Joy Mali M

January 11, 2012 | No Comments »

Factors influencing credit report – By: Joy Mali M Credit Report the name itself explains the importance and we are well aware of its significance in our lives. Not only as basis in calculating credit scores, credit statement also decides...

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Credit Score Information to Remember

Posted by Anthony Jackson at Jul 25, 2011 | No Comments »

You may think you have a fairly good understanding of your credit score and what it means to you and your ability to obtain credit.  But a credit score is a pretty in-depth bit of information, and understanding it better can only help you in your quest to obtain a strong credit score.

Here’s what you need to know:

  • Every time you seek credit, the lender will look at your credit report. Simply put, there is no way to get around a poor credit score because lenders use this information to make a determination about your credit worthiness.

  • All of the three, major credit bureaus in the United States track your borrowing behavior. Experian, Equifax and TransUnion all keep detailed records of your borrowing history. So, every time you are loaned money, the details of that loan will be present on your credit report. It

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Tags: Credit Score Score

How to Find a Qualified Credit Counselor

Posted by Anthony Jackson at Jul 25, 2011 | No Comments »

If you have been struggling with your credit, you may have heard that a qualified credit counselor may be able to help you manage and overcome your credit woes. Although there are many credit counseling agencies out there that can help you navigate your credit problems and work with your creditors, there may be just as many companies that lack the reputation and the know how to get the job done.

If you are struggling to keep your head above water and your debts are overwhelming you, it may be time to call in the help of a qualified credit counselor. Here’s what to look for in a credit counselor:

  • When searching for a credit counselor, look into national organizations, such as the National Federation for Credit Counseling or the Association of Independent Consumer Credit Counseling. A

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Tags: Counselor Credit Counselor Qualified Credit Qualified Credit Counselor

Earn 1,000 Bonus Miles by Using Delta SkyMiles Mobile App

Posted by Anthony Jackson at Jul 20, 2011 | No Comments »

If you’re like most busy professionals, you rarely go anywhere without your smart phone. That’s good news: At least one airline is rewarding those consumers who use these mobile phones to check in to their flights.

Delta is passing out 1,000 bonus airline miles for Delta SkyMiles members who download the airline’s app to their mobile phones and then use it to check into their flights.

But you’ll have to act quickly to take advantage of this offer: It expires after Sept. 7 of this year.

The Basics

According to the Web page of the Delta SkyMiles program, the Delta app allows you to check into your flight before you reach the airport. The app then displays your boarding pass on your mobile phone’s screen.

This is quite convenient. You won’t have to wait in line for a service rep once you get to the airport. And you can

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Tags: Mobile Mobile App

Consumer Reports Warns America’s Credit Cards “Surprisingly Vulnerable” to Fraud

Posted by Andrea Lewis at Jul 16, 2011 | No Comments »

In the Consumer Reports June 2011 issue, the article “House of Cards” gives some disquieting information about the outdated security technology employed by American credit card issuers. Three pieces of almost shocking information are:

  • Information necessary to complete a transaction stored on American-issued credit cards is virtually unprotected.
  • Technology for higher level credit card security exists and is used extensively throughout Europe and Canada
  • In general, US credit card issuers have no plans to switch to the enhanced technology in the immediate foreseeable future.

It is surprising and perhaps even shocking that our country, which is a world leader in so many areas, is classed with unindustrialized nations in Africa when it comes to levels of security associated with debit and credit cards.

By 2012, one would be hard-pressed to successfully use a credit card issued in America at a bank in Europe, and they will not be accepted in China by 2015. Tha

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Tags: Cards Consumer Reports

Your Legal Rights as a Credit Card Holder

Posted by Anthony Jackson at Jul 15, 2011 | No Comments »

The federal government has set up a number of laws that are designed to protect the rights of credit card holders. Unfortunately, though, many consumers are unaware of these laws or their rights under the laws.

Here is a list of the laws through which the federal government protects credit card holders and consumers:

  • The Fair Credit Billing Act – The Fair Credit Billing Act, which protects most cardholders, is a law that protects you from inaccurate or unauthorized charges on your credit card statement. Through the Fair Credit Billing Act, most consumers are responsible for just the first $50 of unauthorized charges. In addition, this Act protects consumers from paying for merchandise that never arrived; for any goods that were not what was promised; and double charges for goods or services.

  • The Fair Credit Reporting Act – The Fair Credit Reporting Act, which was amended by the Fair and Accurate Credit Transactions Act of 2003, protects you from inaccurate or incorrect information found on your credit report. Wit

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Tags: Card Holder Credit Card Credit Card Holder Holder

Spreads.org.uk Promotions

Posted by admin at Jul 14, 2011 | No Comments »

Spread betting is becoming more and more popular nowadays especially when bonuses are at stake. Who would not like to enjoy great bonuses anyway? When you make a research on the net, you will be able to find a lot of sites that are just too generous for bonuses. One of the online places where you can check great spread betting bonuses is Spreads. For years now, it has been the option of old and new customers.  Since it started becoming famous, the average growth of spread betting industry is 30%. Should you want to know the best spread betting bonuses that you might want to try on, here are just some of them and how and where to get them. Here are some of the Spread.org.uk promotions that you can check:

Enjoy your £100 Free bonus on your credit from Capital Spreads. W Read more…

Erase Credit Card Debt With A Simple Program

Posted by admin at Jul 14, 2011 | No Comments »

You have recklessly used your credit card over past few months and now are paying heavy monthly installments to repay your stagnant debt, but the credit just seems to be growing and not reducing. Relax its not impossible to erase credit card debt, all it would require is lots of determination and a bit of effort.

The first step one must take to erase credit card debt is to make purchases through cash. This ensures that you don’t add on to your existing credit making it easier to repay it. Secondly it would be helpful to make a budget for your income; this will bring about a greater control over your expenditure. Just aim for no balance in your budget. Also ensure you but assets with increasing value only. It would be helpful to pay the smallest amount owed this will help erase credit card debt at a much faster pace. Read more…

Tags: Consolidate Loans

How Business Debt Consolidation Loans can reduce the Tension

Posted by admin at Jul 14, 2011 | No Comments »

Many of the struggling businesses have the problem of accumulating loans and bills. These accumulated bills often stop them from growing further and immerse them further into the debt. In such situation getting help of a debt consolidator is an ideal solution. Business Debt Consolidation Loans are available which can reduce all the huge monthly bills into a very small installment which can be easily paid off. Before even going searching for the company there are certain things which the person must do initially. These include creating a list of expenses and income the business is having. The list must clearly show the debits and credits the business is having. This can help the debt consolidator decide easily on the Business Debt Consolidation Loans to be given out. After this contact the financial institution or local bank which can help in consolidation of the bills. Read more…

Tags: Debt Consolidation Loans

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