Credit Score
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Sunday, May 6th, 2007Bankrate.com offers these tips to fix your own credit rating
1. Order your credit reports.
Go to www.annualcreditreport.com, which is the only authorized source for consumers to access their annual credit report online for free.
Call toll free 877-322-8228.
Complete the form on the back of the “Annual Credit Report Request” brochure, available from the FTC, and mail [...]
Boost your credit score
Wednesday, April 25th, 2007Boost your credit score
Q: Will closing existing credit accounts hurt my credit score? How long do negative marks stay on my report and how do I get rid of them? Is there an easy way to raise my score?
A: Whether you should close your accounts depends on your situation. Negative marks stay on your [...]
Getting out of deep credit card debt
Wednesday, April 11th, 2007Getting out of deep credit card debt
But how much is from consumers’ charges?
Few Americans express sympathy for those who get into credit-card debt over their heads — even those who have been in financial trouble themselves.
It’s their own fault, the logic goes.
They shouldn’t have run up the bills in the first place.
And certainly, debtors shoulder [...]
Beware of credit card universal default clauses
Tuesday, January 9th, 2007Beware of credit card universal default clauses
Sounds like something bad that could happen to your car or your computer.
In fact, it’s something harmful that could cost you lots of money and harm your credit rating.
Universal default is a clause contained in the fine print of credit card offers and agreements stating that if you are [...]