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Should You Refinance a Mortgage to Improve Credit?
17 May 2004 "I have been approached by a lender to refinance at a higher rate in order to pay off debts and improve my credit score, which the lender says is 525. He says that in a few months when my credit rating is higher, I can refinance again to lower the rate. This ... 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...

credit card bills related definitions

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

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Get Free credit card bills 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...

Debt Consolidation and Personal Finances: Learn the Truth!
An inability to manage credit, growing debt and bankruptcy are all major problems today. On an average day, over 8,000 people file bankruptcy in the United States alone. The Internet is rife with companies that promise help and salvation; to the uninitiated, their words and assurances prey upon ... more...

Learn The 15 Debt Elimination Steps You Must Take Immediately!
What Everybody Needs To Know...Learn The Truth About Debt Elimination!Here`s how we have been taught to charge, charge, charge and promised Easy monthly payments by advertisers who seduce us into debt. So its no accident that the credit, finance and loan companies end up with most of our money, ... more...

Short Term Loans...are they right for you?
With less than a week before she was to receive her next paycheck, Roni was faced with a problem that millions of Americans experience at some point in their lives: bills that are due and not enough cash available to pay them. Faced with a dilemma of late fees and a lower credit rating, many ... more...

Getting The Best Deal On Personal Loans
A personal loan is a sum that any adult individual borrows to fulfill his financial requirements. There are many purposes for which any individual can take a personal loan. Personal loans can be used to provide funds to buy a car, pay for your dream cruise or that remote island escapade, buy a boat ... more...

Identity Theft More Tips on How it Can Be Avoided
Recent security breaches at several credit card companies continue to worry Americans, as stolen financial information can lead to identity theft. Identity theft occurs when someone obtains your Social Security number and/or other vital information and uses it to pose as you. By doing so, they ... more...

"Credit Repair Kit" Sound To Good To Be True? It Is.
A lot of people have bad credit. It is unfortunate that good people with good intentions are sometimes lured into credit card offers with outrageous interest rates or convinced to buy a new, overpriced car that they cannot afford. Sometimes, it is a stroke of bad luck. You may have recently lost ... more...

10 Tips To Prevent Credit Card Fraud
Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made.Impossible?Credit card fraud on the rise, so you need to treat your card and its information with extreme care.Here are 10 tips to help ... more...

Personal Vs Small Business Credit Card
Credit cards seem to have become a fad today. Almost everyone has a personal credit card today (a lot of people have more than one credit cards). Though most of the people use personal credit cards for what they are really meant for, some are unable to decide on when to use which type of credit ... more...

Debt Consolidation Primer Four Things You Can Do to Get Out of Debt
Problem debt is rampant throughout America. In addition to mortgages and auto loans, the average household in the U.S. has nearly $10,000 in credit card debt. As the major credit card companies have recently doubled their minimum payment requirements, now is a good time to outline the various ... more...

Debt Settlement Strategies
One of the most common social diseases remains dormant for a long time. And when it raises its head, it reveals its monstrosity slowly. What is the social malady? Think. More than a million Americans are affected by it. Yes, I am talking of the ugly disease known as debt. Most of us don't think ... more...

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