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The Cost Of Being A Writer
You are the only one who knows what being a writer means to you.
You are the only one who knows whether you consider it to be a career, or a pleasant hobby.
And .....
You are the only one who knows what being a writer means to you.
You are the only one who knows whether you consider it to be a career, or a pleasant hobby.
And .....
A credit card is a great financial tool. It can be more
convenient to use and carry than cash and it offers valuable
consumer protections under federal law.
At the same time, it's a big responsibility. If you don't use it
carefully, you may owe more than you can repay, damage your
credit rating, and create credit problems for yourself that can
be difficult to undo.
Chances are your mail is full of solicitations from credit card
issuers. How do you know if the time is right for a credit card?
Here's some important information that may help you determine
whether you're ready for plastic, what to look for when you
select a company to do business with, and how to use your credit
card responsibly.
Finding An Auto Loan With Bad Credit
Finding an auto loan online is easy regardless of you credit score. By simply completing a simple one page application hundreds of .....
Finding an auto loan online is easy regardless of you credit score. By simply completing a simple one page application hundreds of .....
Qualifying for a Credit Card
If you're at least 18 years old and have a regular source of
income, you're well on your way to qualifying for a card. But
despite the invitations from card issuers, you'll still have to
demonstrate that you're a good risk before they grant you
credit. The proof is in your credit record. If you've financed a
car loan or other purchase, you probably have a record at a
credit reporting bureau. This credit history shows how
responsible you've been in paying your bills and helps the
credit card issuer decide how much credit to extend.
Before you submit a credit application, get a copy of your
report to make sure it's accurate. It's available from the three
major credit bureaus:
EQUIFAX PO Box 105873, Atlanta, GA 30348; (800) 685-1111 (up to
$8 fee)
EXPERIAN (formerly TRW), PO Box 8030, Layton, UT 84041; (800)
392- 1122 (No charge)
TRANS UNION PO Box 390, Springfield, PA 19064; (216) 779-7200
(up to $8 fee)
Establishing A Credit History
Suppose you haven't financed a car loan, a computer, or some
other major purchase. How do you begin to establish credit?
First, consider applying for a credit card at a local store and
use it responsibly. Ask if they report to a credit bureau. If
they do - and if you pay your bills on time - you'll establish a
good credit history.
What Is A Credit Report?
Even if you have heard of a credit report, you may not know exactly what it is. If so, this credit report article is for you. Learning about your credit report is important in any campaign .....
Even if you have heard of a credit report, you may not know exactly what it is. If so, this credit report article is for you. Learning about your credit report is important in any campaign .....
Second, consider a secured credit card. It requires that you
open and maintain a bank account or other asset account at a
financial institution as security for your line of credit. Your
credit line will be a percentage of your deposit, typically from
50 to 100 percent. Application and processing fees are not
uncommon for secured credit cards. In addition, secured credit
cards usually carry higher interest rates than traditional
non-secured cards.
Third, consider asking someone with an established credit
history - perhaps a relative - to co-sign the account if you
don't qualify for credit on your own. The co-signer promises to
pay your debts if you don't. You'll want to repay any debt
promptly so you can build a credit history and apply for credit
in the future on your own.
A positive credit history is an asset, not only when you apply
for a credit card, but also when you apply for a job or
insurance, or when you want to finance a car or home.
If Your Application is Denied
If you're turned down for a card, ask why. It may be that you
haven't been at your current address or job long enough. Or that
your income doesn't meet the issuer's criteria. Different credit
card companies have different standards. But if you are turned
down by several companies, it may indicate that you are not
ready for a credit card.
If you've been denied credit because of information supplied by
a credit bureau, federal law requires the creditor to give you
the name and address of the bureau that supplied the
information. If you contact that bureau within 30 days of
receiving the denial, you are entitled to a free copy of your
report. If your file contains accurate negative information,
only time and good credit habits will restore your
credit-worthiness. If you find an error in your report, you are
entitled to have it investigated by the credit bureau and
corrected at no charge.
Getting the Best Deal
Getting That Car Loan: Simple Interest Is The Best
So heres the situation: you are buying a car but you dont know what type of auto loan offers you should go for. What should you go for?
The .....
So heres the situation: you are buying a car but you dont know what type of auto loan offers you should go for. What should you go for?
The .....
Fees, charges, and benefits vary among credit card issuers. When
you're choosing a credit card, shop around. Compare these
important features:
Annual Percentage Rate (APR). The APR is a measure of the cost
of credit, expressed as a yearly interest rate. Check out the
About the author:
Mark Daoust is the owner of <a href=