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How To Increase Your Credit | Repair Credit Tips

Things that Lead to Bad Credit
ByElizabeth Roberts March 16, 2009

Every consumer must think about maintaining a good credit history. But maintaining good credit may not always be so easy. In this article, letâ€™s discuss the factors that can lead you to bad credit and how you can avoid them:

Occasional Late Payments. You final FICO score is based upon 15% payment history. Have you been prompt in paying your bills? Or were you often delayed submitting payments? Even occasional late payments can badly affect your credit score so pay attention.

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credit cards

The Issue of Hidden Credit Card Costs and You
ByElizabeth Roberts March 8, 2009November 20, 2022

It cannot be denied that credit cards are a part of life. We use it in buying groceries, clothing, paying utilities, purchasing airline tickets, making hotel reservations, etc. But many consumers who own credit cards fall in the trap of bad debt. Why?

According to the Government Accountability Office (GAO), a lot of credit card holders do not realize that occasional misses or delays with their credit card payments can cost them extra bucks on interest rate and penalty charges.

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Credit Score | Financial Struggles | Income and Credit

Bad Credit And How It Effects Your Job Prospects
ByElizabeth Roberts March 1, 2009May 11, 2024

Not many people reason pay attention to their credit history. Others may say that they don’t need to build credit since they have no plans of getting a loan or a mortgage anyway. But even if you don’t need to apply for a loan today, you may need to do so in the future.

But more than just enjoying lower rates and getting easy approval from lenders, your personal credit history plays a crucial role in getting an employment. If you’re a student in college, have you thought about building your credit history?

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Debt and Loans | Loans

How To Get A Bank Loan or Credit
ByElizabeth Roberts February 25, 2009May 19, 2022

To fund a new business, one option is to obtain a bank loan or a small business loan. These loans are provided by banks, commercial lenders and other financial institutions. Before applying for a business loan, an entrepreneur must ensure that he can present two things: a good business plan and a good credit history.

What makes a good business plan?

Both large companies and small businesses required to submit a business plan for review. A good business plan is one that contains complete information about the proposed business.

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Canadian Credit Card | credit cards

Things You Need to Know About Canadian Debt Consolidation
ByElizabeth Roberts February 17, 2009

There are also a variety of credit cards to choose from in Canada. And regardless of where you live- it’s important to study your options first before making a choice. Whether you’re a resident of US or Canada, bear in mind that choosing the right credit card is a serious decision.

Canadian Credit Cards that Are Accepted Anywhere

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credit cards

Signs That You Need To Change Your Credit Card
ByElizabeth Roberts February 16, 2009

If you read your credit card agreement, it’s clear that your issuer can change or increase your current rates at any time. If you own a credit card, don’t be surprised if the great rates you once enjoyed are now replace by expensive charges. If this happened to you, what can you do?

Is it time to change your credit card?

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Identity Theft Prevention

How to Safeguard Your Identity Through a Credit Freeze
ByElizabeth Roberts February 5, 2009January 26, 2022

To avoid identity theft, the best way is to put your credit report on a freeze. How does credit freeze work and why should you consider it?

What is Credit Freeze?

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Canadian Credit Card | credit cards

How to Get Non-Resident Bank Accounts in Canada
ByElizabeth Roberts January 29, 2009

A US citizen can apply for a resident bank account in Canada if he/she can show a legal work permit. However, if you are a non-Canadian resident, then you can apply for a non-resident bank account instead.

Most banks require non-residents to submit a photocopy of their passport, driver’s license and photo when opening an account. If you’re planning to open a bank account in Canada, here are some tips you can consider:

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Canadian Credit Card | credit cards

How Do Canadian Prepaid and Secured Credit Cards Differ?
ByElizabeth Roberts January 26, 2009

Canadian Prepaid Credit Cards can be used much like a regular credit card in the sense that you don’t need to bring cash to make a purchase. These cards usually have a Visa or Mastercard logo on them so they can be used to buy goods or pay for things at merchants and establishments where credit card payments are accepted. A prepaid credit card can also be used to shop from the internet. What makes it different from a secured credit card?

What are Prepaid Credit Cards?

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Debt and Loans | Debt Consolidation

The Pros and Cons of Debt Consolidation
ByElizabeth Roberts January 20, 2009

For people in need of debt relief, debt consolidation is often the option considered. Debt consolidation is simply combining all your debts into a single loan so that instead of paying several creditors, you’ll only be paying a single creditor. Is debt consolidation a good or a bad idea? To answer this question, let’s take a look at the advantages and disadvantages of debt consolidation,

Advantages of Debt Consolidation

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