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Using credit cards -how to choose and use credit cards to avoid getting yourself into debt
http://www.newstepsolutions.com/using-credit-cards.htm
Chances are youve 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. A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So its wise to compare terms and fees before. Some credit card plans allow the issuer to change your APR when interest rates or...
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Credit cards after divorce - avoid bankruptcy, learn how to benefit from debt consolidation
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If you've recently been through a divorce—or are contemplating one—you may want to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits—and pitfalls—of each. Individual or Joint Account. Your income, financial assets, and credit history—and your spouse's—are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing...An applicatio...
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Telemarketing scams - Beware, learn how to avoid getting scammed by telemarketers
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Total Loss Overall: $3,827,880. Average Loss: $1,174. 2000 Top 10 Frauds. 2001 Top 10 Frauds. Credit Card Loss Protection. Credit Card Loss Protection. The top ten frauds of 2001 make up 85 percent of all telemarketing complaints taken at the Fraud Center. Ages of Victims Overall. Outside Canada/ U.S. Top Five U.S. Company Locations. Top Five Victim Locations. Method of Contact, Percentage by Category. Credit Card Loss Protection. For a FREE consultation fill out our Free Debt Consolidation Quote.
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Secured Credit Card Scams - Learn the truth about Secured Credit Cards
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SECURED CREDIT CARD SCAMS. Ads to look out for! ANYONE CAN QUALIFY FOR. A MAJOR CREDIT CARD! Make the call NOW. And get the credit you deserve! Even if you've been turned down before,. You owe it to yourself and your family. Your major credit card is waiting. Secured vs. Unsecured Cards. Secured and unsecured cards can be used to pay for goods and services. However, a secured card requires you to open and maintain a savings account as security for your line of credit; an unsecured card does not. A call t...
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Debt Consolidation Statistics - USA Debt Statistics
http://www.newstepsolutions.com/debt-statistics.htm
The average American household has 13 payment cards, including credit cards, debt cards and store cards. There are 1.3 billion payment cards in circulation in the United States. Americans made $1.1 Trillion worth of credit card purchases in 1999. Americans carry, on average, $5,800 in credit card debt from month to month. If one were to make only the minimum payment on that debt every month, it would take 30 years to pay off - and include an additional $15,000 in interest. On average, Americans can expec...
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Automatic Debit Scams - Warnings about debit scams
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Fraudulent telemarketers have found yet another way to steal your money, this time from your checking account. Consumers across the country are complaining about unauthorized debits (withdrawals) from their checking accounts. Remember, if you give your checking account number over the phone to a stranger for verification or computer purposes, that person could use it to improperly take money from your checking account. How The Scam Works. What You Can Do To Protect Yourself. Debiting your bank account...
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Credit Repair - Repair your credit report
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CREDIT REPAIR: SELF-HELP MAY BE THE BEST. Credit Repair - It Is Your Right to Improve Your Credit. Under the Fair Credit Reporting Act (FCRA) you have the right to dispute any information on your credit report that may be inaccurate or false, you have the right to make the credit bureaus into providing verification of the information they sell and print. This act allows you to resolve credit report inaccuracies and raise your FICO Score, but the process is detailed and can be very time consuming. 8226; O...
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Consumer Credit Rights - know your rights that influence your credit
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CREDIT AND CONSUMER RIGHTS. Check your personal credit report in seconds! Learn what factors can positively. Or negatively effect credit reports and credit scores. GET YOUR CREDIT REPORT HERE. The Fair Credit Reporting Act (FCRA). Is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application. Your rights under the Fair Credit Reporting Act:. You have the right to a free. You have a right to add a summary explanation to your credit repo...
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Will debt consolidation or credit counseling affect my credit score
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WILL DEBT CONSOLIDATION INFLUENCE MY CREDIT HISTORY? Beef up your credit score in 5 steps. We know more than ever about how credit scores are calculated. Learn how to cleanup your record, polish it to a new gleam and reap the financial rewards. By Liz Pulliam Weston (msn.com). So you've had a few problems getting the bills paid lately, and you-re wondering what you can do to repair the damage. The fix is in. For the uninitiated, credit scores are three-digit numbers increasingly used by lenders when eval...
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Credit Card warnings: Do not let Credit Card offers tempt you into getting into more debt
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Re: On credit card companies asking for account numbers over the phone. I got a call from a credit card company telling me that I've been approved for a credit card. Since I'm new in this country, I didn't quite get the name of the credit card company, it didn't sound familiar in the first place. They claim that they are affiliated with Bank of America (? I tried calling the customer service number they gave me but I couldn't get a hold of them. Bay Area Beach Council - (BABC). If you were mailed a certi...