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Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
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• Fixed Rate vs. Variable Rate Cards.Rising interest rates have become the focal point of many recent conversations about credit cards. For consumers who carry a balance on their credit card(s), such conversations are often filled with disgust, anger, and confusion. You may be wondering why credit card rates are rising and what, if anything, that you can do to avoid higher rates. We hope that the following tips will help you gain a better understanding of interest rates, specifically variable and fixed interest rates.
• FREE Credit Report and Credit Score
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• Get the Discover® Platinum Card
• The Party's Over! Dealing with Holiday Bills.The novelty of many Christmas gifts has eroded. The champagne bottles from New Year's Eve celebrations are being placed in recycling bins. The much-anticipated new millennium is finally here. The new year brings much promise, but not everyone is optimistic about the prospects for the new year - particularly those that soon will be getting their credit card bills in the mail!
• Credit Card Debt Reduction Strategies. How much longer will it take me to pay off my credit card if I only make the minimum payment each month?
• The Universal Default Credit Card Clause. How Your Credit Card Interest Rate Can Go “Through the Roof” for No Apparent Reason. Most consumers know that your credit score affects the credit card rates that you are eligible for. What you may not know is that if your credit score is lowered, then the interest rates on existing credit card debt could increase significantly. How? Universal Default.
• 7 Surefire Ways To Repair Bad Credit. Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national ‘disease.’ And just what do people need that have a disease? They need a cure.
• 7 Compelling Reasons Why A Prepaid Debit Card May Be Just The Financial Tool You Need. Prepaid debit cards are great financial tools and may be just the financial tool you need. Here a seven compelling reasons why.
• Credit Establishment 101. There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you. Most people secure credit cards as the first way to establish credit in High School or College. Upon getting the credit card, usually a low spending limit, the ability to repay the card in an orderly fashion will help you establish a positive credit rating with the major repositories.
• Credit Cards For People With Bad Credit Scores. Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will still show a delinquency. A stolen identity can also leave you feeling violated and unable to resume a normal life with credit. It is during these times you may have to search a little harder to find companies that wan to deal with people who have bad credit. There are a handful of lenders who will help you re-establish your creditworthiness by using one of their credit cards.
• Beware of Bogus Credit Repair Companies! So-called "credit repair" companies claim they can remove negative information from credit reports. Advertising as "Credit Advisors," "Credit Rating Correction Services" or "Credit Consultants," they trumpet variations on this message: "Turned down because of bad credit? We can help!" Many of these companies charge hundreds if not thousands of dollars for the promise to "clean up" bad credit reports. But the truth is, these companies can only do what you could do yourself--at no charge.
Credit Card Calculator
• Credit card payoff Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.
• Credit Card Minimum Payment Interest Calculator This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill.
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| ©2006 Lendingtips.com All rights reserved. |
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Lendingtips.com 464 Oak Avenue Naples, FL 34108
Phone (239)877-7835 Fax (239)594-5686
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