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Credit Counseling

Today there are hundreds of companies claiming they are credit counseling agencies. While it is rare and must first be sought, these companies are legitimate businesses and do not carry any false advertising promises or charges made by their promoters. For less than a year, you also did not require any form of proof, provided […]

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The Consumer Credit Protection Act protects you.

Be aware that there have been many scams and thefts perpetrated because of credit card misuse. With the right consumer protection insurance, the government can protect you. So don’t be misled by credit card companies’ claims that your credit history is subject to fraud. The truth is, no one can legally guarantee that your credit […]

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Identity Thief

When it comes to identity theft a lot people do not fully understand the effects it carries. Identity theft can even cause the loss of your job. The credit card companies are taking a big risk by offering ‘new’ credit cards, to get you to sign up. People are just starting out and have probably […]

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Credit Card Companies Can Have Different Economic Ranges

The United States is a country of over $6 trillion worth of credit card debt. As a result of this enormous debt, credit card companies offer consumers different income levels. Thus, consumers have different opportunities to achieve financial freedom. Unfortunately, banks that provide credit for consumers are also those that abuse their inherent market power […]

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Credit Card Debt and Your FICO Score

If you have a credit card debt, applying for credit is simple and you must have found a method to pay off your debt. It is not the end of the world if lenders will take this approach at your expense. How Much Debt Should I Pay When you are dealing with a large amount […]

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Financial Disadvantages of Credit Cards

Let’s face it; getting a loan is a huge step in terms of financial freedom. But, it also entails the risk of having your house or car repossessed if you don’t take your house to court and pay the amount due on time. While most people who are financially able to afford to pay their […]

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Credit Card Consumer Rating Act of 2006

Inquiring consumers are encouraged by the law to ask for ratings from the consumer reporting companies on the charges they accrue or charges that accrue late or on other charges or on unpaid installments and on the lesser amounts that are included in the rating. Generally, the consumer reporting agency or a third-party agency would […]

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Credit Transfer Debt Consolidation: Debt Management

Each month, credit card companies gather all the information that is available about you that can guide you. These companies may use the information in your statement, on their billing statements and on online forums. The time period is a factor, as well. An individual will have to give his or her account history, the […]

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Free Cash Back Credit Cards – Which You Might Want to Consider?

If indeed you decide to apply for a free credit card, you must consider you need to have control over your spending or you become a victim of credit card theft. No one is above making some changes and you need to make sure he or she is working within the parameters of your account […]

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Instant Credit Card Advice

It’s all down to our money. Everyone seems to have been persuaded by the popular advertising of instant credit cards. You want a credit card now and get presented with rewards and rewards. You won’t give up overnight fast approval. ‘Yes, I’ll be sure to offer discounts, even rewards. Then, a question comes to mind. […]