Budgeting for Holiday Travel and Entertainment - Keep Holiday Expenses Under Control (December 04 2007)         - Kara Schumann

What comes to mind when the Christmas season is near? Gifts, entertainment, travel—anything and everything that necessarily requires you to shell out your hard earned cash. For most people, it can mean overusing their credit cards. At least 54% of people are still paying off the previous year’s Christmas well into the next year. If you don’t want to be included in those statistics then here are some budgeting tips to keep your holiday travel and entertainment expenses under control.

Restore Your Credit History with Bad Credit Credit Cards (October 07 2007)         - Rachael Wimbley

It's not a secret that bad credit score makes it more difficult to get a credit card, but with a little searching you can find a card available for nearly everyone.

Balance Transfer Credit Cards Help to Improve Your Financial Situation (September 25 2007)         - Julia Maupin

Balance transfer credit cards can be valuable for those who want to reduce their credit balance, to save money on interest payments, and to get out of debt faster.

Why Minimum Payments On Your Credit Card Deals Are Rising? (September 14 2007)         - Jessica Donnelly

Is increasing minimum payments positive or negative? People are sure that even disadvantages of this change may become advantages. Positive sides can be found in every situation. And this event is not an exception.

Credit Card Aiming Environmentally Concerned Customers (September 05 2007)         - Wendy Drews

Making an affinity credit card deal, you can donate to non-profit organizations concerned with protecting the environment and fighting the global warming. However, if you want to show your love to nature, you need to pay high interest and fees.

What Is a FICO Score and How Do I Make It Work for Me? (July 23 2007)         - claim this article

Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co., a California-based company that developed the credit score, the FICO score is the most widely used scoring method to determine credit worthiness.

What Is A FICO Score? (July 23 2007)         - claim this article

A credit score is most commonly known as a FICO score. FICO stands for Fair Isaacs Corporation. It's a company that developed the credit scoring software used to evaluate your credit worthiness.

Credit Report Hassles (July 23 2007)         - claim this article

There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not get a job because their credit report was awful? Thousands and how many do you think realized that that was the reason they did not get a call back? I would venture to say a big fat zip. Credit counts for everything nowadays and it is only going to count for more in the future.

4 Steps to Creating Good Credit (July 23 2007)         - claim this article

As a consumer you've learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.

Good Credit is King, When Qualifying for Mortgage Programs (July 23 2007)         - claim this article

If you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan. If you have outstanding credit, though, you are in the proverbial driver's seat, when it comes to selecting your loan program. Be sure to find a good mortgage consultant, and carefully explain exactly what you need. Here are just a couple of "outside-the-box" programs that come in handy for some people but require excellent credit ratings.

Bad Checks, Bounced Checks, & NSF Checks (July 23 2007)         - claim this article

Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.

Convenience Can Be Costly (July 23 2007)         - claim this article

You've just opened your credit card bill and attached to your statement you find a "convenience check" included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this "instant" money. A new summer wardrobe, a nice dinner and tickets to a concert, a weekend getaway.

Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure (July 23 2007)         - claim this article

Let's face it, if you are facing the possibilities of losing your home due to a foreclosure and you think that you may never be able to purchase another home anytime soon. Keep reading.

The Right Way To Credit Repair (July 23 2007)         - claim this article

If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.

What Is the Fair Credit Reporting Act and What You Should Know About It (July 23 2007)         - claim this article

The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you?

All About Balance Transfers (July 23 2007)         - claim this article

What is a balance transfer?

A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or loan to a credit card with a offer interest rate (usually 0%) for a set period. It does not have to be the entire amount. The card receiving the balance will an interest rate for a set term, normally 6 months, but can be 9 months or even a year. Take a look at the current balance transfer deals currently available at www.search4-credit-cards.co.uk/balance_transfers.html. This will give you a flavour of the typical kind of deal available.

Credit Repair Kit Sound To Good To Be True? It Is. (July 23 2007)         - claim this article

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 your job or been involved in an accident that made you unable to work which in turn also made you unable to pay your bills. Whatever the case bad credit can follow you for a very long time and repairing your credit is no easy task. You may have seen advertisements claiming to be able to repair your credit for only a small fee. Some advertise credit repair kits for anywhere from $10.00-$20.00. This may seem like a small price to pay to have your good credit reinstated. But beware, the price is often much higher. Jail time or high fines are the price you must be willing to pay since these scams are illegal.

When You Are Eligible For A Free Credit Report (July 23 2007)         - claim this article

By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that:

Low Interest Credit Cards: A Thing of the Past? (July 23 2007)         - claim this article

With interest rates rising, low or zero percent credit cards may soon become a thing of the past. However, the wise shopper can still secure a low rate by carefully shopping around. Here are some ways you still get a bargain rate card:

Credit Suicide (July 23 2007)         - claim this article

Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups". There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a source to determine levels of risk for lending money? and the Fair Isaac Company is where it lies. (Note: Fair was one of their last names? doesn't necessarily denote fairness.)