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If you are in a position in where you are working on rebuilding your credit, a secured card may help. They all have their differences in features and fees, so it is important to look carefully at the fine print.
When it's time to make big life decisions such as buying a car or putting a downpayment on a house, having a good credit score is going to be a crucial factor. Learn about credit scores today.
It takes patience and persistence to bulid good credit score. If you pay your bills on time and keep your card balances low over the long haul, you will be rewarded with a solid score. But what about quick fixes? There are a few sneaky ways to legitimately to boost your credit score. Read more for details.
A credit inquiry is a notation whereby a bank or credit-issuing institution requests an individual’s credit report to evaluate their “creditworthiness”, or likelihood to repay money that is lent to them. There are two types of inquiries: hard inquiries and soft inquiries. Only hard inquiries can negatively affect your ...
A credit score is a mathematical model used by a majority of banks to evaluate a person’s financial reliability or credit risk. The score gives lenders a “lend/reject” answer for people applying for credit or loans. A credit score is also commonly referred to as a FICO Score (Fair ...
If your credit’s taken a hit because of bankruptcy or a financial hardship, or you’re trying to establish credit for the first time, you may only be eligible for a secured credit card. These types of cards are a good first step in rebuilding bad credit, but they tend to be more expensive than unsecured cards.
With a chip card, a cardholder’s confidential data is more secure than on a magnetic stripe card. Every time a chip card is used for payment, the card chip creates a unique transaction code that cannot be used again. Right now, over 130 countries of the world already use chip card readers as the standard. In the ...
Do you know the Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation’s consumer protection agency, ...
Teaching your kids how to manage their money is one of the best lessons you can give. Part of educating teens and young adults about personal finance involves teaching them how to use credit wisely as credit cardscan create a mountain of debt if they’re not used responsibly. Giving your teenager a credit card may not seem like a big deal but you need to make sure they know how to use it responsibly.
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