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Solving Your Credit Problems Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. Dealing With Debt Credit card debt can be an extreme burden but you can dig yourself out of debt. Are You Monitoring Your Credit? If you are not monitoring your credit and your credit reports, you may be in for a big surprise. How To Establish Credit Your first credit card or loan is the hardest to get. If you’ve never had credit, you have no credit history. What Is Credit Denial And What Can You Do About It? If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days. Review Your Credit Report And Correct Errors You can get a free credit report every 12 months and should check it religiously for errors. Do We Really Live In An Electronic Age? Transferring funds from one pension plan to another is hardly electronic. Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? Fiscal Fitness For 2008: Choosing a Credit Counselor Choosing a credit counselor may be the most important decision you make. Don’t Despair With Credit Repair Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. How To Dispute Mistakes On Your Credit Report Credit card reporting companies can and do make mistakes on your credit report. Self Help May Be Best When It Comes To Credit Repair Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? What Do You Need To Know to Apply for a Credit Card? All credit cards are not the same. You need to find one that matches you and your spending habits. American Express Blue Or Green Credit Cards Green or Blue? Which American Express card is right for you? Credit Card Rates And APR's Do you know how much you are really paying in credit card interest? Do You Qualify For a College Student Credit Card? Credit card companies are looking for loyal customers and have started marketing to high school and college students. College credit cards are the credit cards that have been specially designed for college students and allow the students to experience the benefits of credit cards much earlier in their life. Negative Credit Can Affect Your Job Search Many employers run credit checks before hiring new employees. Fair Debt Collection Practices Act And You If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." Ever Have A Problem With Your Credit Card Company? What do you do if your credit card bill is incorrect? How To Use The Fair Credit Billing Act (FCBA) To Your Advantage Have you ever been billed for merchandise you returned or never received? Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. What Is The Credit Repair Organizations Act? Do you know what your credit rights are? What Is The Truth about Credit Repair? Got bad credit? Want to get it repaired? Can you handle the truth? Choosing Your Credit Card Based On APR The first step in choosing a credit card is thinking about how you will use it. Credit Repair: Don't Get Scammed Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. Should You File For Bankruptcy? One of the toughest decisions you will ever make in your life is deciding whether or not to file for bankruptcy. Credit Card Reports Questions And Answers If you plan to get a credit card or if you already have a credit card, you need to know the law. How To Avoid Credit And Charge Card Fraud A thief goes through trash to find discarded receipts or carbons, and then uses your account numbers illegally. How To Choose and Use Credit Cards Chances are you've gotten your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal. How To Give the Bounce to Counterfeit Check Scams It’s your lucky day! You just won a foreign lottery! The email says so. And the cashier’s check to cover the taxes and fees will be mailed to you immediately. Comparing Credit Cards and Choosing the Card for You All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. What Can I Do To Improve My Credit Score? Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. Your Debts and Debt Collectors You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit Billing and Electronic Fund Transfer Statements With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Credit and Your Rights A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Equal Credit Opportunity – What Can Creditors Do? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Credit - You Have The Right To... Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Retirement Planning and Your Finances As you near your sunset years, it is time to inventory your financial resources and see exactly where you stand. Do you have a lot of equity in your home but little cash in the bank? What kind of mortgage do you have? Have you taken a look at your insurance policy to see if it is current? Here are a few things to think about as you get ready to retire.

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