Providian Credit Cards
Anthony Harris asked: You may have received an offer in the mail to apply for a Providian credit card. Why should you follow through? Simply put, this is a chance to get a 0 apr credit card online. With no interest for a trial period, you can pay out your balance transfers without accruing any [...]
Raising My Credit Score – 5 Ways
Jed C. Jones Ph.D. asked: Your credit score follows you wherever you go: when you move, when you change jobs, and when you apply for a new credit card or get a new loan.The big three credit reporting agencies are Equifax, Trans Union, and Experian. They all use the same formula to calculate your score, [...]
Clean Bad Credit – 3 Simple Ways To Repair A Bad Credit History
Joseph Crutchfield asked: I suppose when you first decide to clean up your bad credit history and look at your credit report for the very first time, you become a little overwhelmed. The reports themselves can be a little confusing to read. Even more so when blatant mistakes are littered throughout. Plus, if you have [...]
Credit Report & Repair Scams
Stu Lieberman asked: Newspapers, radio, TV and the Internet are filled with advertisements that offer for a fee to erase accurate negative information in your credit file. The credit repair scam artists who run these ads can’t deliver. Only time, a deliberate effort, and a plan to repay your bills will improve your credit history [...]
Credit Bureaus Explained
Jeremy Zongker asked: A Credit Bureau, also known as a Credit Reporting Agency or Consumer Reporting Agency, functions as a central repository of credit and collection records, payment history and certain legal information on consumers and businesses. These records are sold to credit grantors and lenders whenever a consumer or business applies for credit. The [...]
Computer Financing With Bad Credit
Daymon Hoag asked: You’ve got a good job, steady income, pay your bills on time, yet can’t even get financing for a candy bar. Many people find themselves in this very situation after unexpected unemployment, divorce, or bankruptcy. Maybe you haven’t been able to establish a line of credit at all, good or bad. So [...]