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Credit Reports and Credit Scores
November 24, 2004 What Is a Credit Report? A credit report is a report from a credit bureau containing detailed information bearing on credit-worthiness, including the individual's credit history. A typical credit report includes the following: Personal information. ... more...

Are Authorized Users at Risk?
January 6, 2003, revised April 23, 2003 "In applying for a mortgage recently, I found that the interest rate quoted was for someone with poor credit, which surprised me. I have never missed a payment on a mortgage, credit card or other debt in my life. My credit report, however, shows ... more...

compare challenged credit related definitions

Annual percentage rate APR
Annual percentage rate (A.P.R.) Is a interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account ... more...

Regulation Z
Regulation Z, Reg Z A federal regulation requiring creditors to provide full disclosure of the terms of a loan including the terms of the loan and the annual percentage rate (APR). APR is a interest rate reflecting the cost of a mortgage as a yearly rate. This rate ... more...

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Get Free compare challenged credit Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Credit Basics: Choosing and Using Credit Cards
One of the most powerful financial tools that the modern technology has ever-produced is the credit card. And there is definitely no denying that a credit card is an extremely and overwhelmingly useful and powerful financial tool only if it used properly.This small and thin 'plastic' is now ... more...

Credit Cards for People With Bad Credit How to Avoid Getting Ripped Off
If you've had credit problems, then you've probably received offers for credit cards aimed at people with bad credit. These offers range from legitimate, to questionable, to outright scams. How can you tell the difference? The answer is to read the fine print, usually to be found in a document ... more...

Fixing Your Credit Score Doesn't Have to Cost You
Credit repair advertisements claim to guarantee a quick fix on your credit report. They promise for a fee (not always disclosed at first) to clean up your credit history so that you can qualify for a new home, car, insurance, a job, or premium credit cards. Before you sign up with one of these ... more...

Home Loans for Credit Challenged Borrowers
Just because you have negative items on your credit report doesn't mean you can't obtain a home mortgage loan. There are options for you. Bad credit is not the end of the world. It's true that getting a bad credit mortgage loan is not always the easiest or fastest mortgage loan out there, but you ... more...

Discover Free Credit Cards
There are a great number of people today that are looking into getting a credit card. Some of you may have heard of free credit cards and are very interested in getting one. The idea of free credit cards does sound enticing. If you would like to know about free credit cards, there are some ... more...

College Student Credit Card - Students Can Find The Right Credit Card
How can a student with limited income and no credit history get a credit card? By applying for a student card. Student credit cards require no income or co-signer. Usually these cards offer small credit lines with reasonable rates. By using one wisely, you can build your credit.What To Look ForWhen ... more...

How To Survive In A Plastic World, Qualifying For Credit Card
Lets face it, having credit is no longer a choice. Dont leave home without it is more like cant buy a home without it. Your credit now determines the neighborhood you live in, the kind of car you drive and, sometimes, even whether or not you get a particular job.Credit cards are great financial ... more...

Credit: Student Credit Cards 101
Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Students that have a credit card should learn how to take charge ... more...

The Advantages Of Department Store And Gas Station Credit Cards
If you are attempting to rebuild damaged credit, department and gas station credit cards may be a good solution. As opposed to bank credit cards, gas and department store cards are easier to be approved for and even if your credit is damaged, you may qualify. It is very important to use them ... more...

Discover the Best Credit Card Rates
Are you one of those people that really need a credit card, but you have no clue where to go? Are you interested in getting the best credit card rates available to you? Are you concerned with comparing credit card companies so you can see who actually has the best credit card rates? If you ... more...

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