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Each week, we receive dozens of comments on applying for loans and credit card. The most common question involves why a member was declined even though their credit score appeared high enough for approval based on the credit scores of other members.... More
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- October 28, 2009
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The influence of credit score on credit limit works on a feedback loop: credit score influences credit limit, and a consumers' total credit available, which is the sum of their credit limits, can impact a credit score up or down.... More
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- July 31, 2009
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A secured credit card can be a significant stepping stone in managing your credit health. There are many secured cards out there, so shop wisely, read the fine print, and - as always - use the card responsibly and pay on-time.... More
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- July 20, 2009
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The bottom line is that just because you have bad credit, it doesn't mean you should have to pay exorbitant fees. Be informed and make sure you compare products before you make your next financial purchase.... More
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- March 14, 2009
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Every credit score improvement article suggests that consumers should not have a high credit card utilization rate. (Defined as: total credit card balances / total credit card limits). Often the recommendation is the lower the credit card utilization rate... More
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- January 02, 2009
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Credit and credit scores have always been cryptic and difficult for to consumers to understand. Hopefully by demystifying the information, you can see how using credit wisely can go a long way toward building your financial health.... More
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- December 03, 2008
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Closing old and unused credit accounts on your credit reports can help you avoid unnecessary fees and guard against identity theft. It can also cause your credit score to drop if you are not careful.... More
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- September 25, 2008
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Everything college students need to know about getting and using their first credit card. You've seen the ads and been tempted by the giveaways - but how much do you really know about credit cards?... More
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- September 25, 2008
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Every year more than 1.5 million Americans file for bankruptcy for a variety of reasons. While bankruptcy has many negative effects, it does offer people with devastated finances a fresh start.... More
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- September 25, 2008
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We have all heard the rumors...from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to manage your credit.... More
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- September 25, 2008
