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Improve Your Credit Score Before Buying a Home

Before starting the home buying process, do a little homework on your credit report.

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Improve your credit score

What does Credit Score mean? A measure of credit risk calculated from a credit report using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use. Lenders may use a credit score to determine whether to provide a loan and what rate to charge.

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How Credit Card Balance Transfers Can Affect Your Credit Score

Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer. This seems like a logical thing to do, right? I ...

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How To Improve A Low Credit Score

Do you have a low credit score? If your credit score is below 700, you may not qualify for some of the best interest rates on credit cards, loans or mortgages. This means that just by having a credit score of 695, instead of 725 (just an example), you may end up paying thousands more in interest on any new credit you are granted, which you can avoid by just taking some simple steps to increase your credit score before applying for a new personal loan, auto loan or mortgage...

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Bad Credit Credit Card – How To Increase Your Credit Score With Credit Cards

Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you dont have too many credit lines open or otherwise hurt your credit. Pick A Good Card Credit card companies offer several different types of credit cards for consumers. You can find student programs that require no co-sign...

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Should I cancel my unused credit cards?

Though having one or more credit cards with you is an easy way to get some money urgently, remember your unused credit card can affect your credit scoring.

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Unsecured Debt Consolidation – Pros & Cons

Unsecured debt consolidation lowers your rates, helping you to pay off your debt sooner with one easy payment. You can also reduce your monthly payments. However, consolidating your short term loans can temporarily lower your credit score. You may also be tempted to use your paid off accounts, creating a bigger financial problem. Lower Interest Rates And Payments Consolidation loans and debt management plans (DMP) can both lower your rates. Home equity or personal loans...

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The Best Credit Card – Shopping For A Credit Card

Credit cards are just like any form of credit, you should shop around to find the best deal. Depending on your situation, you may want to find a card with low rates, a reward program, or a 0% APR for transfers. Make sure you look at several credit card companies to find the best deal for you. Comparing Programs Credit card companies offer several different types of incentives to entice you to open an account with them. These rewards can save you money or earn you trips ...

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Business Credit Cards Can Make You Money

Small business owners, more than any other credit card users, are in the best position to profit from their use of credit cards. Profit from credit cards? The idea may seem foreign, if not preposterous. However, the truth of the matter is simple: if you use your business credit card wisely and open a high yield savings account, your credit card can easily make you a few hundred dollars a month. Let's begin by discussing the types of small business credit cards on the marke...

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Best Car Loan Rate How To Get The Most From Your Credit Score

Your credit score is the most important factor to getting the best car loan rate. Many shoppers make the mistake of going to the car dealership and applying for a loan before checking their credit report and score. By checking your credit score ahead of time, you will know where you stand before seeking a lender. If you have an excellent credit score, you should expect the best car loan rate possible. Do not expect the lender to tell you that you could save money by applying ...

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Mortgage loans Obtaining Mortgage Loans Depends on FICO scores

Mortgage loans - Obtaining your loan depends on your FICO scores. Four tips to improving your score. Get pre-approved for a loan.

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7 Tips on Preventing Identity Theft

In the course of the day, you do many activities that put your personal information at risk - from writing a check at the store to charging merchandise in person or over the phone. You may not think twice about these transactions, but others might.

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Tax Season – Time for Scams

As tax season draws irresistibly closer, the scam artists are polishing their latest techniques. This article should help you keep an eye out for these nasty individuals.

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Tax Season Time for Scams

As tax season draws irresistibly closer, the scam artists are polishing their latest techniques. This article should help you keep an eye out for these nasty individuals.

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Debt Consolidation Solution How To Know What Your Solution Is

If youre struggling with debt, you may find that debt consolidation could be your solution. There are a few basic types of debt consolidation, and familiarizing yourself with their primary features will help to choose the best debt consolidation solution for your individual financial situation. Debt Consolidation Programs In some circumstances, the best debt consolidation solution is to find a good debt consolidation program. Providers of this service will negotiate wi...

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

Bill Consolidation Company Basics

Bill consolidation companies handle payments for your accounts and lower your rates. They can also negotiate waivers for late payment fees. Before signing up with a company, you will want to compare rates and terms. You also need to monitor your payment statements to be sure there are not errors. Helping Your Get Out Of Debt Bill consolidation companies, also known as debt management plans or DMP, eliminate your short term debt within five years. They also lower your in...

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

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 solely for the purpose of rebuilding your credit. If you overspend or misuse the cards you could easily wind up with credit difficulties again.

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group

9 Tips on Applying for a Second Mortgage

People usually apply for a second mortgage or home equity loan when they need money for debt consolidation, to pay large expenses or for home remodeling and home improvement. What type of mortgage loan you select, depends on your needs, but the application and approval process is similar for both. These nine tips will help your loan process be as hitch-free as possible. Consider the second mortgage terms, pre-payment penalty for early pay off, and of course the interest rate & closing costs.

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Posted by: Personal Finance & Financial + Banking Global Articles WebSite.WS | GVMG - Global Viral Marketing Group



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