Can you lie about income on credit card applications? Is it illegal? Can you get in trouble? This is a great question to consider. When applying for your first credit card, you usually want a great rate, and also a high credit limit, right? So people often feel the temptation to lie (or exaggerate) their […]
When Should You Buy A New Car?
There comes a time in everyone’s life when you must part with your current vehicle and buy a new car, truck, or SUV. Perhaps it will happen when you graduate nursing school. Or maybe you are just tired of driving around a clunker. In either case, nearly all nurses (or humans for that matter) will […]
Carrying a Credit Card Balance Hurts Credit Score?
Does Credit Card Balance affect your credit score? Can carrying balances actually hurt your credit? Credit cards are a necessity for anyone who wants to maintain good credit. Those who wish to own cars, homes, or property must figure out how to use credit to their advantage so that the balances do not harm their […]
Is it Better to Use a Credit Card or Debit-ATM Card?
Is it better to use a credit card or debit card? To use the ATM Debit card or Credit card, that is the question isn’t it? In today’s electronic world, many people have both an ATM bank Debit card and a credit card. So which one should you use when shopping? Here is a quick […]
4 Year CD: Four Year Certificate of Deposit
4-year CDs are a common length deposit account offered by many banks and other financial institutions. Four year cds can be a great investment for those wanting a low-risk (almost no risk) investment with a guaranteed return of interest income. This type of CD length is longer than many other lengths offered by banks, and will […]
What Are Credit Checks, Anyway?
Credit Check: What are credit checks anyway? Maintaining good credit is important for consumers who want lenders to extend credit to them. There is no getting around good credit to ensure the best interest rates on loans. It is no secret that those with the best credit scores receive the best rates on their loans. […]
Jumbo CD Rates: How Jumbo Certificate of Deposits Work
Jumbo CD Rates–Investing large amounts of money offers to best financial options when it comes to investing money into CDs. Any financial advisor will advise their clients to take this approach to investing. It is understandable that not everyone has large amounts of money to invest. Well, once the money they save grows, they can […]
Does Cancelling a Credit Card Hurt Your Credit Score?
Does cancelling a credit card hurt your credit score? Many people often fear that cancelling that credit card they no longer use will harm there credit score. So what is the truth? Should you cancel that old unused card, or keep it? Here is the low-down: Does Cancelling a Credit Card Hurt Your Credit Score? […]
How to Make Money with Credit Cards
It seems that almost everyone has a credit card these days, right? They are so much easier to use than cash or checks. But what many people don’t realize is that using your credit card loans can even be used to MAKE MONEY! First, let’s start with the basics, and then get into the more […]
How Your Credit Score Affects Buying House
How Your Credit Score Affects Buying a House Purchasing a home is a huge investment. For many people the purchase of a home may be the largest investment that they will ever make. There are many factors that determine whether consumers receive a loan to purchase their homes. Lenders want reliable borrowers as customers for their home loans. […]
How Can I Start to Build Credit with No History?
I Have No Credit History–How Can I Start Building Credit At times, having no credit may be just as burdensome as having bad credit. Lenders do not want to lend money to consumers who have not established credit. It may be very hard for them to determine if the lender will repay the loan or […]
7 Ways to Prevent Credit Card Identity Theft
Credit card identity theft–could it happen to you? Millions of people have their credit compromises each year. Identity theft is a common problem that can happen when least expected. Going to grocery stores, restaurants, banks, and hotels can put customers at risk of becoming a victim of identity theft. Just about any situation can result […]
CD Beneficiary Terms: What are Certificate of Deposit Beneficiary Terms?
CD Beneficiary Terms–What you need to know: Some investors may purchase CDs so that those that they love can be provided for after they die. It is common for certificate of deposit investors to set up beneficiaries on their accounts. CDs provide financial stability for the beneficiary that they may not have been able to give themselves. […]
Establishing Credit History from Scratch
Establishing credit history from scratch is a very important step to building a solid consumers’ credit history. It is no secret that lenders lend money to those who have proven their creditworthiness to lenders. Some lenders have no established credit, but it doesn’t mean that consumers cannot build their credit for the future. Consumers can build credit fast […]
Why You Should Check Your Credit Annually
Some people do not ever bother to check their credit report until it is too late. Consumers who want to receive credit at any point in their lives should begin checking their credit well before they apply for lines of credit. The only way that consumers can know where they stand on the credit ladder […]
How Important Is Your Credit History in a Background Check?
How Important is Credit History in a Background Check? More and more employers are conducting background checks on their potential employees. This recent trend has seen a significant increase in the past few years. Employers want to know that their potential employees are capable of balancing their personal finances and their job responsibilities. It is […]
How to Close a Certificate of Deposit CD Account
Closing a Certificate of Deposit (CD) Account–Introduction CDs are great investments for investors saving for their futures. Whether the future is next month or next year, investors trust CD accounts as a reliable way to reach their goals. When the time comes to make those dreams come true, investors must begin the process to receive […]
Fix Your Credit Report After Identity Theft
Fix Credit Report After Identity Theft–How to repair your credit after identity fraud. More and more people are becoming victims of identity theft each year. Many people do not know that they are victims until they check their credit reports. There is hope after identity theft. Consumers must take the time to fix their credit […]
How to Get a Free Credit Report Online
Free Credit reports are vital element for consumers who want to maintain their excellent credit history. Credit reports are detailed reports of credit accounts, payment history, credit limits, available credit, and so forth. Any information related to past and present credit can be found on the credit report. Many people do not know it but […]
How to Build Credit the Easy Way
Easy Credit: Having credit is necessary in today’s economy. Everyone should try to get their credit as high as they possibly can. Do not listen to what others may say about using credit. Many people do not even own a credit card because of the stigma that comes with owning one. No credit or bad […]
How Long Do Balance Transfers Take?
Transferring balances is quite common these days. The idea of receiving lower interest rates, restored credit, and additional benefits may be quite enticing. You must become aware of the various aspects of balance transfers to determine if this solution will potentially be beneficial or detrimental to your present and future creditworthiness. How Long Does the […]
Is Credit Score or History More Important?
Credit Score VS Credit History Knowing what information is on a credit report is very important. Consumers with a good credit score and good credit history have a huge advantage over other consumers with a less than perfect credit score and credit history. The credit score and credit history are two very important factors that […]
3 Ways to Get Out of Credit Card Debt Fast
How to get out of credit card debt fast: If you have a high balance on your credit card rates, and the usual sky-high interest rates, it can take FOREVER to pay off. Trust me–I know! I once purchased a car for $10,000 on a credit card, and I soon found myself in a tight […]
List of the Big Credit Reporting Agencies
Credit Reporting Agencies: List: The credit reporting agencies are in place to make sure that all consumers have their credit information reported on their credit reports. The credit reporting agencies have the responsibility of keeping the information for all customers who receive credit from lenders who report to these agencies. One of the most interesting […]
Add-on CDs: What are Add-On Certificate of Deposits?
Add on Cds: What are add on cds anyway? Introduction: Although CD rates are low right now, they are still wonderful investments that are reliable and safe. Investors want to get their money’s worth out of every investment so that they can earn as much money as possible. Some CD options offer investors a great […]
Liquid CDs: What Are Liquid Certificate of Deposits?
Liquid CDs: What Are Liquid certificates of deposit? Certificate of deposits have become one of the safest ways to invest money. Traditional CDs are an alternative to savings accounts. The rate of return is good and they come with low risks to investors. Traditional CDs cannot be cashed in before the maturity dates without incurring cd […]
CD Types: What Are the Different Types of Certificate of Deposits
CD Types–it seems there are so many types of Certificate of Deposit investments to choose from these days. With so many choices in CD account types, it can be frustrating or even confusing for inexperienced investors. Even so, it is very important to understand the different types of CDs available. By learning about the different […]
3 Month CD: Three Month (90 Day) Certificate of Deposit
3 Month CDs are a common length offered by many financial institutions. A three month CD account is an agreement between the investor and the financial institution to invest funds into a CD account for a 3 month (90 day) period. 3 month cds can be a great way to earn interest on funds safely, without […]
What is a Good Interest Rate on a Credit Card?
What is a good interest rate on a credit card? That’s a great question since credit cards are notorious for their sky-high interest rates! After all, the interest rate can and does affect how much money you will waste on interest. But many people aren’t sure what a “good interest rate” really is when first […]
What is a Prepaid Credit Card?
Prepaid credit cards help those who wish to establish or reestablish credit. These credit card types are for anyone. College students, adults, and anyone else can enjoy the benefits of a credit card without the hassle of owning a traditional credit card. Whether a person’s credit is good or bad, a prepaid credit card is a […]
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