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Score – definition of score by The Free Dictionary, definition of credit score.#Definition #of #credit #score

score

score

score

Score

Past participle: scored

score

score

there’s no score yet están a cero ; (in commentary) no se ha abierto el marcador todavía

there was no score at half-time en el primer tiempo no hubo goles

the final score was 4-1 el resultado final fue 4 a 1

we give each entry a score out of ten damos una puntuación or ( LAm ) un puntaje de uno a diez a cada participante

he missed a chance to make the score 1-1 perdió la oportunidad de empatar a 1 or de igualar el marcador a 1

with the score at 40-0 she has three match points con 40-0 a su favor, tiene tres bolas de partido

the score (= situation) what’s the score? ¿qué pasa?, ¿qué hubo? ( Mex, Chile )

you’ve got no worries on that score en ese sentido or aspecto no tienes por qué preocuparte

three score years and ten (liter) 70 años

they went five games without scoring a point en cinco partidos no consiguieron or no se anotaron un solo punto

to score 75% in an exam sacar 75 sobre 100 en un examen

if you answered yes, score five points si contestó “sí”, saca or suma cinco puntos

he’s certainly scored a hit with the voters/with his latest novel no cabe la menor duda de que ha impresionado a los votantes/ha tenido mucho éxito con su última novela

to score points off sb aventajarse con respecto a algn

her face was weathered, scored with lines su rostro estaba curtido y surcado de arrugas

no one has scored yet aún no ha marcado nadie ; (in commentary) aún no se ha abierto el marcador

he has failed to score this season no ha marcado esta temporada

that’s where he scores (over the others) (fig) en eso es en lo que tiene más ventaja (sobre los demás)

score

The score was three nil Le score était de trois à zéro.

What’s the score? Qu’est-ce qu’il se passe?

to know the score savoir ce qui se passe

to have an old score to settle with sb avoir un compte à régler avec qn, avoir un vieux compte à régler avec qn

to settle an old score with sb régler un vieux compte avec qn

to score 6 out of 10 obtenir 6 sur 10

Who’s going to score? Qui va compter les points?

score

score

score

there’s no score yet (Sport) finora nessuno ha segnato (un punto)

there was no score in the match (Sport) hanno finito zero a zero

to have an old score to settle with sb (fig) avere un vecchio conto da saldare con qn

to score 75% in an exam prendere 75 su 100 a or in un esame

to score a hit with sth (fig) far centro con qc

to score a hit with sb (fig) far colpo su qn

to score 6 out of 10 (in exam, test) prendere 6 su 10





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Economics, Johns Hopkins University, letter of credit.#Letter #of #credit

Department of Economics

Letter of credit

Economics

Academics

Student & Faculty Resources

Across Campus

  • Letter of credit

    Department of Economics

    • Letter of credit

    Faculty

    Featuring a world-class faculty and individualized attention, the doctoral program is the centerpiece of the department. Students share academic and collegial connections with their professors, who guide them through thought-provoking research and an intense curriculum.

  • Letter of credit

    Alumni

    Department of Economics alumni are leaders in their fields. Students are frequently appointed to esteemed academic institutions, think tanks, government research positions, and investment banks around the world.

  • Letter of credit

    Undergraduate

    At Johns Hopkins, the undergraduate study of economics offers students dynamic classroom interactions that explore important economic problems and provide the tools needed to address them—in theory and in practice.

    Department News and Announcements

    November 10, 2017

    Professor Ali Khan gave a seminar entitled “On Mathematics in the Human Sciences”

    Letter of credit

    Professor Ali Khan gave a seminar entitled “On Mathematics in the Human Sciences” on Friday, November 10. The seminar was sponsored by the Arrighi Center for Global Studies and co-sponsored by the Department of Sociology and Department of Anthropology.

    November 3, 2017

    Seventh Simon Newcomb Lecture November 1, 2017

    Letter of credit

    Faruk Gül, the Susan Dod Brown Professor of Economics at Princeton University, delivered the seventh Simon Newcomb Lecture entitled “Revealed Preference and Behavioral Economics”.

    October 27, 2017

    2017-2018 Ely Lecture Series October 23-26, 2017

    Letter of credit

    Professor Xavier Gabaix (Harvard), delivered the 2017-2018 Richard Ely Distinguished Lecture Series October 23-26.

    October 11, 2017

    Congratulations to our recent PhDs for defending their dissertations

    Letter of credit

    Congratulations to Alanna Bjorklund-Young, Dan Li, Yunting Liu and Sohini Mahapatra, who all successfully defended their dissertations!

    View Department News and Announcements Archive

    Job Market Candidates

    Letter of credit

    Chang Ma

    Thesis: Essays on International Finance and Regulation

    Upcoming Events
    Spotlight: Paul Decker

    Letter of credit

    Esteemed Alumnus Paul Decker

    Paul Decker, President and Chief Executive Officer Mathematica Policy Research (MPR), is a nationally recognized expert in policy research, data analytics, education, and labor policy. Decker received his PhD in economics from Johns Hopkins University in 1988. For three decades, he has been working to improve public well-being through the use of evidence to [ ]

    Center for Financial Economics

    The Center for Financial Economics’ founding mission to ‘bridge the gaps’ is uniquely well-suited to the times. Our students and faculty are in an ideal place to understand and shape the turbulent process now re-making finance.

    2017 Johns Hopkins University, Zanvyl Krieger School of Arts & Sciences

    Department of Economics, Wyman Park Building 5th Floor, 3100 Wyman Park Drive, Baltimore, MD 21211

    Mailing Address: 3400 N. Charles Street, 544E Wyman Bldg., Baltimore, MD 21218

    Email: [email protected] | Phone: 410-516-7601 | Fax: 410-516-7600

    Letter of credit





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    Watch, listen, and discover with Canada – s Public Broadcaster, credit bureau of canada.#Credit #bureau #of #canada

    Welcome to CBC.CA

    Presidents, dissidents, siblings spies: 7 assassination attempts using lethal poisons

    10 ways to improve addictions treatment, from someone who s been there

    I still see their faces : This 98-year-old painter reflects on his time in WWII

    Dragons Den: That s a ridiculous deal

    CBC News

    Trudeau s invite to East Asia Summit proof Canada s back, Freeland says

    The devil s in the details : D.C. s new Bible museum stirs controversy over links to prominent fundamentalist

    Woefully inaccurate Inuit population data overwhelming local agencies

    Stittsville residents throw Rosehill Expressway party to protest spike in traffic

    More from CBC

    A French teen finds the remains of 8 Canadian WWI soldiers in his backyard

    The story of Canada s First World War all-black military battalion

    Help me fly : Jane Channell turns tragic death of her boyfriend into Olympic inspiration

    He s going to hurt someone else : Poll finds 68% of health workers in Ontario assaulted in past year

    Try saying these tongue twisters 3 times fast for Tongue Twister Day

    My last name has nothing to do with my music : Noah Cyrus breaks out on her own

    WWI vet returns to Belgium 40 years later to dig up buried rum

    Teaching men to ask for consent

    Contact CBC

    Audience Relations, CBC

    P.O. Box 500 Station A

    Toll-free (Canada only):

    Services Info

    Accessibility

    It is a priority for CBC to create a website that is accessible to all Canadians including people with visual, hearing, motor and cognitive challenges.

    Closed captioning is available for many CBC-TV shows offered online.

    For air times of CBC-TV shows with described video, visit Accessible Media Inc. s Described Video TV Guide . (Described video is not currently available online.)





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    Top Credit Cards for Bad Credit In Canada 2017 – Secured – Unsecured, credit bureau of canada.#Credit #bureau #of #canada

    Top Credit Cards for Bad Credit In Canada Unsecured Secured Credit Card Options

  • Credit bureau of canada
  • Credit bureau of canadaFor people with impaired or no credit history, perhaps there s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you re looking for an unsecured, guaranteed approval, or secured credit card, there s an option that s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card make purchases online or over the phone and book travel reservations easily and securely.

    Top Credit Cards For Bad Credit

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Credit bureau of canada

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Credit bureau of canada

    Click Here To Apply

    IMPORTANT NOTICE! Peoples Trust has temporarily suspended issuing new credit cards. This is the message showing on their website:

    Peoples Card Services continually analyzes and refines its products to best meet the needs of our clients. While we work to reposition a number of existingand new products, we have decided to stop accepting new applications for the Peoples Trust Secured Card product effective July 31st, 2017.

    The Peoples Trust Secured Card program remains unchanged for existing cardholders who will continue to enjoy the same program benefits and use their card anywhere MasterCard is accepted.

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won t have to put any deposit or security against the card, and you re not required to have a bank account. It s a great alternative if you ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time use automatic payments if you can t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.





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    Online Doctors Notes and Fake Excuses, letter of credit.#Letter #of #credit

    A Fake Doctor’s Note / Excuse – How to Download

    Letter of creditThe use of a fake doctor’s note or letter to get free days off work or school is a growing trend. For starters, it is possible to obtain a fake hospital letter, medical report or doctor note from a real medical doctor, if he or she happens to be your friend. However, the idea of getting a free, fake doctors excuse online is regarded as the best and most preferred method by most people. When you fall sick and need a medical diagnosis from a doctor, the physician may advice that you take a bed rest. The doctor may also request the teacher or employer to give you some time-off to recuperate. The note from a doctor that gives the explanation is what we call the doctor’s note. However, if the online medical excuse is not coming from a doctor, the form is best described as a phony doctor’s note.

    Letter of credit

    Dr Note Mistakes – Where They Happen:

    Below is a list of mistakes that occur, when using a printable fake doctor’s note or hospital letter:

    Free Yourself From the Work Place

    Letter of credit In spite of the cover that a doctor’s excuse provides, there are several consequences associated with its use in the workplace. First, if you are using, free fake dr note repeatedly, you could easily be carried away by its success and consequently pay a big price when things go wrong. The consequences of using fake excuse letter at work include; suspension, demotion, lose pay and ultimately job dismissal. You could also get prosecuted by your employer for deception or forgery.

    Will a Fake Note Work Well?

    Whereas using a fake note from a doctor or hospital to skip classes may seem fun or even cool, the risks of getting caught could be detrimental. The consequences of using a doctor’s note at school are just as numerous as those of using the letter at the workplace. For example, if the school is suspicious that you are using a fake dr excuse, you can lose your grade, be detained or be suspended.

    It is important to first recognize that fake doctor’s note is not legitimate, even though it looks real. Because of the problems associated with using fake dr notes, it is important to ensure that you are well-acquainted with the consequences of using any fake dr notes. One way to do this is to go for a legitimate fakes such as that issued by a real doctor. There are several online sites that issue free and legitimate dr notes that can buy you some time.

    Letter of credit

    Make a Phony Note Work

    Since it is morally and legally wrong to use fake doctor’s note, employers are quickly learning about various fake online medical letters and other employee mischief via online forums, hospital insurance officials and workshops. Most sites that offer best or believable fake doctor notes and letter, offer these letters as novelty items which should not be used for any illegal purposes. This means the company or doctor selling the hospital letter or doctor’s note may not be held accountable for any legal procedures arising from the use of such letters. Critical factors such as one’s position in the company, how frequent the fake dr. form is used and one’s level of professionalism may affect how best or successful you use the fake dr notes. Having said that, a good number of companies that offer best fake dr notes online also provide necessary support to authenticate their offerings. Best trusted online companies may even provide money back guarantees to their customers.





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    Generate Valid Credit Cards Online, types of credit cards.#Types #of #credit #cards

    Credit Card Numbers

    Types of credit cards

    Want even more credit card numbers? Generate Credit Cards
    • 5396 4022 3216 0233
    • 5316 4307 9996 7986
    • 5497 3294 9973 5720
    • 5529 3193 8626 2112
    • 5138 1378 7359 5486
    • 3477 5522 4040 015
    • 3741 0823 7594 402
    • 3797 3430 1964 109
    • 3750 5729 9381 654
    • 3750 2681 4258 275
    • 6011 6412 6240 3376
    • 6452 3777 6945 4234
    • 6466 4092 7018 0869
    • 6473 6469 7561 7080
    • 6448 4470 6947 8576

    Credit card is a plastic card that fits easily in your wallet and allows you to make cash free purchases. There is a unique number embossed on each credit card and a limit of credit assigned. The user can buy services and goods with their card and pay interest on the money spent each month instead of paying the complete amount used. The unpaid amount of every month is carried forward to the next month and the interest is calculated accordingly. Most cards have an interest rate of typically 10% to 30%; it is advisable to check the interest rate before getting a credit card.

    Most cards privilege their customers with rewards and offer points on purchase from specific retail or online stores. There is also a yearly fees associated with certain credit cards, while there are free credit cards also available. The credit card issuer companies earn through interest paid by the user, yearly fees and late fees. They also charge retailers on each sale via credit card.

    Types of credit cards

    Front of a Credit Card

    Types of credit cards

    Back of a Credit Card

    1. Logo of the Issuing Bank
    2. EMV chip
    3. Hologram
    4. Credit Card Number
    5. Credit Card Network Logo
    6. Date of Expiry
    7. Name of Card Holder
    8. NFC Chip (Contactless)
    1. Magnetic Strip
    2. Card Holder’s Signature
    3. “Card Not Present” Security Code

    What are Credit Card Security Codes?

    Below is the information about various Cards and the location of the security code:

    Types of credit cards

    Credit cards use various types of security codes like CVC2, CVV2, CID, and CSC. MasterCard uses CVC2 and Visa uses CVV2, Discover and Amex uses CID (card identification number) and Debit Cards use CSC (card security code).

    There are different types of credit card frauds that can leave the user in trouble. We hope the below information is useful to you:

    • Stolen Cards – As the name suggests, the card holder is robbed of the card physically or card is poached from the mail before it reaches the card holder. User can immediately get the card cancelled by intimating the issuer company.
    • Duplicated Cards – Merchants put the credit card in a secondary machine for copying it. These machines are easily available as they are multi-purpose.
    • Application Fraud – This is similar to identification theft where a person files in the information of another person into the form using stolen or fake documents.
    • Account Takeover – the fraudulent person requests a change of address by using genuine card holders personal information and then at a later date reports that the credit card was stolen. The new card will be mailed to the new address and will be used by the thief.
    • Skimming – Payment receipts or account number or the security code of the credit card is copied to be used at a later time.
    • Carding – In this process the card is not used but its number is used to verify its validity.. Using devices like generators (hopefully not mine) the thief enters the card information on any site that uses real-time processing of transactions. If the purchase is successful it means the card is still good, and is sold off to other individuals who will perform the fraud. Typical price range for these cards is upwards of $50 dollars per card.

    Credit cards, debit cards along with gift cards and store cards all have a PAN (primary account number) and are created using the ISO/IEC 7812 standard. The number used is made up of four parts.

    1. Major Industry Identifier (MII) – this is the first digit of the PAN; Industries listed are Airlines, Travel, Banking, Petro, Helthcare, and Merchandising.
    2. Issuer Identifier Number (IINS) – the first six digits of a card number including the MII.
    3. The account number starts from the seventh digit to the second last digit, and can contain a maximum of 12 digits. The company issuing the card creates this number.
    4. The final digit is a check digit which can be figured out using Luhn’s algorithm. If you want to learn more about the validation of credit cards check out Credit Card Validation.

    Types of credit cards

    Types of credit cards





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    Compare Credit Cards, Check Your Eligibility, Experian, types of credit cards.#Types #of #credit #cards

    Compare credit cards matched to your credit information

    We are a credit broker and not a lender

    What kind of credit card are you looking for?

    We compare leading credit card providers

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    Purchase

    Credit cards with low rates on purchases can help spread the cost of buying things big and small.

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    Balance transfer

    Transfer existing balances to a 0% interest credit card balance, usually for a small transfer fee.

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    Cashback Reward

    Cashback or reward credit cards give money back on purchases or offer incentives such as air miles.

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    Credit builder

    Credit builder cards can have higher interest rates but can also help increase your credit score.

    See your Experian Credit Score

    Types of credit cards

    Sign up to CreditMatcher for free, forever to get your free credit score and compare credit deals matched to your personal credit information.

    Types of credit cards

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    Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers.

    Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

    CreditMatcher is provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.

    Copyright 2017, Experian Ltd. All rights reserved.

    Types of credit cards





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    Between the Lines, ZDNet, lines of credit.#Lines #of #credit

    Between the Lines

    Larry Dignan and other IT industry experts, blogging at the intersection of business and technology, deliver daily news and analysis on vital enterprise trends.

    Larry Dignan

    Larry Dignan is Editor in Chief of ZDNet and Editorial Director of ZDNet’s sister site TechRepublic. He was most recently Executive Editor of News and Blogs at ZDNet. Prior to that he was executive news editor at eWeek and news editor at Baseline. He also served as the East Coast news editor and finance editor at CNET News.com. Larry has covered the technology and financial services industry since 1995, publishing articles in WallStreetWeek.com, [email protected] Week, The New York Times, and Financial Planning magazine. He’s a graduate of the Columbia School of Journalism and the University of Delaware.

    Zack Whittaker

    Zack Whittaker is the security editor for ZDNet. You can send tips securely via Signal and WhatsApp to 646-755-8849, and his PGP fingerprint for email is: 4D0E 92F2 E36A EC51 DAAE 5D97 CB8C 15FA EB6C EEA5.

    Stephanie Condon

    Stephanie Condon is a staff writer for CBS Interactive based in Portland, Oregon, covering business technology for ZDNet. She previously covered politics for CBSNews.com, as well as the intersection of technology and politics for CNET. Stephanie graduated with a B.A. in communication from Stanford University.

    Latest Posts

    Lines of credit

    IBM outlines 50 qubit quantum computing prototype

    IBM continues to make strides in its effort to commercialize quantum computing.

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    Nvidia’s data center business hits $2 billion annual revenue run rate

    The Volta ramp is just starting and deep learning and artificial intelligence with a dose of high-performance compute is driving some serious growth for Nvidia.

    Lines of credit

    Rimini Street reports 32 percent revenue increase in Q3

    Rimini recently merged with the investment company GP Investments Acquisition Corp in an effort to expand into broader services.

    Lines of credit

    Nvidia beats Q3 expectations as data center sales climbs

    Data center revenue more than doubled year-over-year, while all other segments saw growth as well.

    Lines of credit

    Equifax spends $87.5 million on data breach, more expenses on deck

    Equifax’s third quarter earnings and revenue weren’t all that bad considering its data breach debacle.

    Lines of credit

    Macy’s, Kohl’s feel brick-and-mortar squeeze as customers go online

    Both department store chains are struggling to increase same-store sales, but e-commerce is showing gains.

    Lines of credit

    Bitcoin Segwit2x hard fork suspended

    Without full community support, the fork will not take place.

    Lines of credit

    Intel hires AMD’s Raja Koduri to work on high-end, discrete graphics

    Koduri, who joins Intel in December, led AMD’s Radeon Technologies Group and oversaw the development of its Vega GPUs.

    Lines of credit

    Cornerstone OnDemand nets $300 million investment from Silver Lake, LinkedIn; reports strong Q3

    Cornerstone said the funds will bolster its e-learning content, give it more balance sheet flexibility and drive growth.

    Lines of credit

    Twilio sets revenue record in Q3

    The cloud communications company surpassed $100 million in quarterly revenue for the first time.

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    Square reports strong Q3 results

    Square’s gross payment volume, a key metric for the payments company, ticked up 31 percent to $17.4 billion.

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    Match Group’s Tinder emerges as cash cow courtesy of data science, dynamic pricing, paying off tech debt

    Match Group has a serious growth engine in Tinder and the monetization is just starting. Here’s a look at the moving technology parts.

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    Snapchat gets Android developer religion — better late than never

    It’s a bit of a headscratcher to hear Snapchat CEO Evan Spiegel talk about how Android development will be critical to global growth. Why didn’t Snapchat see this obvious fact sooner?

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    Nutanix announces new storage, compute services

    The new products support the company’s bid to manage distributed cloud environments for enterprises.

    Lines of credit

    Marissa Mayer subpoenaed to testify before Senate on Yahoo breaches

    The former Yahoo CEO only agreed to testify alongside current and former Equifax executives after the Senate compelled her to with a subpoena, according to reports.





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    Top Credit Cards for Bad Credit In Canada 2017 – Secured – Unsecured, credit bureau of canada.#Credit #bureau #of #canada

    Top Credit Cards for Bad Credit In Canada Unsecured Secured Credit Card Options

  • Credit bureau of canada
  • Credit bureau of canadaFor people with impaired or no credit history, perhaps there s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you re looking for an unsecured, guaranteed approval, or secured credit card, there s an option that s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card make purchases online or over the phone and book travel reservations easily and securely.

    Top Credit Cards For Bad Credit

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Credit bureau of canada

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

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    IMPORTANT NOTICE! Peoples Trust has temporarily suspended issuing new credit cards. This is the message showing on their website:

    Peoples Card Services continually analyzes and refines its products to best meet the needs of our clients. While we work to reposition a number of existingand new products, we have decided to stop accepting new applications for the Peoples Trust Secured Card product effective July 31st, 2017.

    The Peoples Trust Secured Card program remains unchanged for existing cardholders who will continue to enjoy the same program benefits and use their card anywhere MasterCard is accepted.

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won t have to put any deposit or security against the card, and you re not required to have a bank account. It s a great alternative if you ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time use automatic payments if you can t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.





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    Plagiarism Lines Blur for Students in Digital Age, lines of credit.#Lines #of #credit

    The New York Times

    Lines on Plagiarism Blur for Students in the Digital Age

    At Rhode Island College, a freshman copied and pasted from a Web site’s frequently asked questions page about homelessness — and did not think he needed to credit a source in his assignment because the page did not include author information.

    At DePaul University , the tip-off to one student’s copying was the purple shade of several paragraphs he had lifted from the Web; when confronted by a writing tutor his professor had sent him to, he was not defensive — he just wanted to know how to change purple text to black.

    And at the University of Maryland , a student reprimanded for copying from Wikipedia in a paper on the Great Depression said he thought its entries — unsigned and collectively written — did not need to be credited since they counted, essentially, as common knowledge.

    Professors used to deal with plagiarism by admonishing students to give credit to others and to follow the style guide for citations, and pretty much left it at that.

    But these cases — typical ones, according to writing tutors and officials responsible for discipline at the three schools who described the plagiarism — suggest that many students simply do not grasp that using words they did not write is a serious misdeed.

    It is a disconnect that is growing in the Internet age as concepts of intellectual property, copyright and originality are under assault in the unbridled exchange of online information, say educators who study plagiarism.

    Digital technology makes copying and pasting easy, of course. But that is the least of it. The Internet may also be redefining how students — who came of age with music file-sharing, Wikipedia and Web-linking — understand the concept of authorship and the singularity of any text or image.

    “Now we have a whole generation of students who’ve grown up with information that just seems to be hanging out there in cyberspace and doesn’t seem to have an author,” said Teresa Fishman, director of the Center for Academic Integrity at Clemson University . “It’s possible to believe this information is just out there for anyone to take.”

    Professors who have studied plagiarism do not try to excuse it — many are champions of academic honesty on their campuses — but rather try to understand why it is so widespread.

    In surveys from 2006 to 2010 by Donald L. McCabe, a co-founder of the Center for Academic Integrity and a business professor at Rutgers University , about 40 percent of 14,000 undergraduates admitted to copying a few sentences in written assignments.

    Perhaps more significant, the number who believed that copying from the Web constitutes “serious cheating” is declining — to 29 percent on average in recent surveys from 34 percent earlier in the decade.

    Sarah Brookover, a senior at the Rutgers campus in Camden, N.J., said many of her classmates blithely cut and paste without attribution.

    “This generation has always existed in a world where media and intellectual property don’t have the same gravity,” said Ms. Brookover, who at 31 is older than most undergraduates. “When you’re sitting at your computer, it’s the same machine you’ve downloaded music with, possibly illegally, the same machine you streamed videos for free that showed on HBO last night.”

    Ms. Brookover, who works at the campus library, has pondered the differences between researching in the stacks and online. “Because you’re not walking into a library, you’re not physically holding the article, which takes you closer to ‘this doesn’t belong to me,’ ” she said. Online, “everything can belong to you really easily.”

    A University of Notre Dame anthropologist , Susan D. Blum, disturbed by the high rates of reported plagiarism, set out to understand how students view authorship and the written word, or “texts” in Ms. Blum’s academic language.

    She conducted her ethnographic research among 234 Notre Dame undergraduates. “Today’s students stand at the crossroads of a new way of conceiving texts and the people who create them and who quote them,” she wrote last year in the book “My Word!: Plagiarism and College Culture,” published by Cornell University Press.

    Ms. Blum argued that student writing exhibits some of the same qualities of pastiche that drive other creative endeavors today — TV shows that constantly reference other shows or rap music that samples from earlier songs.

    In an interview, she said the idea of an author whose singular effort creates an original work is rooted in Enlightenment ideas of the individual. It is buttressed by the Western concept of intellectual property rights as secured by copyright law. But both traditions are being challenged.

    “Our notion of authorship and originality was born, it flourished, and it may be waning,” Ms. Blum said.

    She contends that undergraduates are less interested in cultivating a unique and authentic identity — as their 1960s counterparts were — than in trying on many different personas, which the Web enables with social networking.

    “If you are not so worried about presenting yourself as absolutely unique, then it’s O.K. if you say other people’s words, it’s O.K. if you say things you don’t believe, it’s O.K. if you write papers you couldn’t care less about because they accomplish the task, which is turning something in and getting a grade,” Ms. Blum said, voicing student attitudes. “And it’s O.K. if you put words out there without getting any credit.”

    The notion that there might be a new model young person, who freely borrows from the vortex of information to mash up a new creative work, fueled a brief brouhaha earlier this year with Helene Hegemann, a German teenager whose best-selling novel about Berlin club life turned out to include passages lifted from others.

    Instead of offering an abject apology, Ms. Hegemann insisted, “There’s no such thing as originality anyway, just authenticity.” A few critics rose to her defense, and the book remained a finalist for a fiction prize (but did not win).

    That theory does not wash with Sarah Wilensky, a senior at Indiana University , who said that relaxing plagiarism standards “does not foster creativity, it fosters laziness.”

    “You’re not coming up with new ideas if you’re grabbing and mixing and matching,” said Ms. Wilensky, who took aim at Ms. Hegemann in a column in her student newspaper headlined “Generation Plagiarism.”

    “It may be increasingly accepted, but there are still plenty of creative people — authors and artists and scholars — who are doing original work,” Ms. Wilensky said in an interview. “It’s kind of an insult that that ideal is gone, and now we’re left only to make collages of the work of previous generations.”

    In the view of Ms. Wilensky, whose writing skills earned her the role of informal editor of other students’ papers in her freshman dorm, plagiarism has nothing to do with trendy academic theories.

    The main reason it occurs, she said, is because students leave high school unprepared for the intellectual rigors of college writing.

    “If you’re taught how to closely read sources and synthesize them into your own original argument in middle and high school, you’re not going to be tempted to plagiarize in college, and you certainly won’t do so unknowingly,” she said.

    At the University of California, Davis , of the 196 plagiarism cases referred to the disciplinary office last year, a majority did not involve students ignorant of the need to credit the writing of others.

    Many times, said Donald J. Dudley, who oversees the discipline office on the campus of 32,000, it was students who intentionally copied — knowing it was wrong — who were “unwilling to engage the writing process.”

    “Writing is difficult, and doing it well takes time and practice,” he said.

    And then there was a case that had nothing to do with a younger generation’s evolving view of authorship. A student accused of plagiarism came to Mr. Dudley’s office with her parents, and the father admitted that he was the one responsible for the plagiarism. The wife assured Mr. Dudley that it would not happen again.

    CHEAT SHEET: Articles in this series examine cheating in education and efforts to stop it.





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    Earned Income Tax Credit, Internal Revenue Service, letter of credit.#Letter #of #credit

    Earned Income Tax Credit (EITC)

    The Earned Income Tax Credit, EITC or EIC, is a benefit for working people with low to moderate income. To qualify, you must meet certain requirements and file a tax return, even if you do not owe any tax or are not required to file. EITC reduces the amount of tax you owe and may give you a refund.

    If you claim the earned income tax credit (EITC) or the additional child tax credit (ACTC) on your tax return, the IRS must hold your refund until at least February 15 — even the portion not associated with EITC or ACTC.

    After you file your return, the best way to track your refund is Where’s My Refund? or the IRS2Go mobile app.

    Who Qualifies

    Do I Qualify for EITC?

    To qualify for EITC you must have earned income from working for someone or from running or owning a business or farm and meet basic rules. And, you must either meet additional rules for workers without a qualifying child or have a child that meets all the qualifying child rules for you.

    EITC Assistant

    Use the EITC Assistant to see if you qualify for tax years: 2015, 2014 and 2013. The EITC Assistant helps you find out your filing status, if your child is a qualifying child, if you are eligible and estimate the amount of the EITC you may get.

    Income Limits and Table

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    How Do I Claim EITC?

    You need to file a tax return to claim EITC. Find out:

    • the documents you need
    • the common errors to watch for
    • the consequences of filing an EITC return with an error
    • how to get help preparing your return
    • what you need to do if your EITC was denied in a previous year
    • how to claim the credit for earlier tax years

    Received a Notice

    I Received a Letter from IRS about EITC, What Should I Do?

    We send letters about EITC that may:

    • suggest you claim EITC if you do qualify
    • ask you to send information to verify your EITC claim
    • provide important information about your claim

    This letter/notice page lets you know what you need to do if you receive a letter or notice from us about EITC.

    Specialized Resources

    Visit EITC Central for tools and information specifically geared to IRS partners, community organizations, employers, government agencies and offices, and tax preparers.

    Missing Children

    The IRS is partnering with the National Center for Missing Exploited Children (NCMEC) to help search for missing children. For more information:





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    Credit Cards – Apply for Best Offers Online at, types of credit cards.#Types #of #credit #cards

    Credit Card Applications Online

    Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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    With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

    A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

    There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

    Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

    There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

    The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

    To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

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    Our Experts will be happy to answer all your questions!

    * See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

    * The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

    Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.





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    Top 2017 Credit Cards – $0 Annual Fee Credit Cards, RateCity, types of credit cards.#Types #of #credit #cards

    Credit Cards Compare credit card interest rates and deals

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    Carry out a credit card comparison to help find your ideal product

    The only way to find out which is the right credit card for you is to carry out a comprehensive comparison. For most people, the thought of wading through website after website is hardly appealing, which is why we offer a credit card comparison service.

    We can take a closer look at around 200 different products, before presenting you with the various options that meet the criteria you provide. It is then up to you to decide whether you want to focus on a rewards credit card, a balance transfer deal, or another type of credit card entirely.

    The different types of credit cards

    There’s no shortage of products to include in your credit card comparison. The one you choose will ultimately depend on what you want to use it for, and the perks you’ll receive whenever you do.

    There’s a wide range of card types available, with the most popular credit card types being:

    Although there are some other variables you will have to take into account, but these are some of the main categories you might want to consider. If you regularly use your credit card overseas for example, then this will be something you should factor into your credit card comparison.

    The great credit card tradeoff

    Most of the time, there’s some major trade-offs you need to make when choosing a card. If you want low rates (a great idea if you don’t pay your card off), then it’s unlikely you’ll find card with rewards, and vice versa. You’ll also find that the card with rewards, frequent flyer points or perks generally come with higher rates and annual fees. Like many things in life, you can’t have it all in the one card, but by using our credit card comparison you can find some of the best deals if you choose your priorities wisely.

    Carrying out an interest rate comparison

    One feature of a credit card that can make a big difference to your final decision is the interest charged on balances. Simply put, when you spend money on a credit card, you’re essentially borrowing money from the company. If you don’t repay this amount on time, then you will be charged interest.

    This shouldn’t, however, be confused with the annual percentage rate (APR) that is charged by your provider. This is a key piece of information you should think about when performing an interest rate comparison.

    Instead, the APR is the yearly interest rate that is applied to your credit card. It’s not uncommon for providers to offer a different APR for any purchases you make, and a separate one for any balance transfers you carry out.

    When you carry out a credit card comparison, make sure you take into consideration any introductory rates that are on offer. Some companies will give a low rate credit card when you first open the account, which then shifts after a certain period of time.

    Understanding rewards credit cards

    If you plan on using your credit card on a regular basis, then it might be worth your while to look into one that offers rewards. Many of the biggest providers will give cashback on certain purchases, or allow you to accumulate points that can be used in certain stores.

    One of the most popular types of rewards credit cards are those that provide frequent flyer points. You’ll be awarded points based on the amount you spend, which can then be built up and eventually spent on flights with major airlines.

    If you are interested in rewards credit cards, then be sure to read the terms and conditions linked to these accounts. As with any financial product, it’s a good idea to be fully aware of what you are signing up for well in advance.

    Choosing your next credit card

    No matter what you want from your credit card, it’s essential to carry out an interest rate comparison and see which products are out there. If you do need more information on what’s available, then be sure to read the RateCity Credit Cards Guide

    It provides an insight into what the different types of credit card are all about, as well as handy tips to help find the right one for your specific requirements.





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    Alliant – An Online Credit Union for all your banking needs, lines of credit.#Lines #of #credit

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    33. Alliant Credit Union, Chicago, IL. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.

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    Top Credit Cards for Bad Credit In Canada 2017 – Secured – Unsecured, credit bureau of canada.#Credit #bureau #of #canada

    Top Credit Cards for Bad Credit In Canada Unsecured Secured Credit Card Options

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  • Credit bureau of canadaFor people with impaired or no credit history, perhaps there s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you re looking for an unsecured, guaranteed approval, or secured credit card, there s an option that s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card make purchases online or over the phone and book travel reservations easily and securely.

    Top Credit Cards For Bad Credit

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Credit bureau of canada

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Credit bureau of canada

    Click Here To Apply

    IMPORTANT NOTICE! Peoples Trust has temporarily suspended issuing new credit cards. This is the message showing on their website:

    Peoples Card Services continually analyzes and refines its products to best meet the needs of our clients. While we work to reposition a number of existingand new products, we have decided to stop accepting new applications for the Peoples Trust Secured Card product effective July 31st, 2017.

    The Peoples Trust Secured Card program remains unchanged for existing cardholders who will continue to enjoy the same program benefits and use their card anywhere MasterCard is accepted.

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won t have to put any deposit or security against the card, and you re not required to have a bank account. It s a great alternative if you ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time use automatic payments if you can t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.





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    What Types Of Credit Cards Can I Get, Experian, types of credit cards.#Types #of #credit #cards

    Types of credit cards

    Types of credit cards

    Also in this section.

    There are many different types of credit cards out there, so making sure that you’ve chosen the best one for you and your needs can be tricky.

    Often it depends why you want it – is it to spread the cost of a large purchase, to build up your credit history, or for emergencies if you’ve run of cash? Experian CreditMatcher helps you compare different cards so you can see what would work best for you. Don’t forget, we’re a broker not a lender.

    To apply for any credit card, you need to be over 18. Typically the lender will check your credit information through a credit reference agency such as Experian, and if you’re approved you’ll be given an interest rate and a credit limit based on your credit history and any other information the lender may have.

    What kind of credit cards can I apply for?

    Often known as ‘Gold’ or ‘Platinum’ cards, these are standard credit cards but may come with a higher credit limit or extra benefits such as travel insurance. You may need to pay an annual fee for one of these, and you’d probably need to have a good credit score too.

    A card that allows you to transfer an existing credit card balance, to one with little or no interest, typically for a small transfer fee. It’s quite common now to move credit card debt you already have to another card.

    These are interest-free cards that, as long as you make the minimum monthly payment, allow you to spend on the card without having to pay interest on the balance for as long as the promotional rate.

    These cards could be useful to help build you credit history and often have low credit limits to start with, and perhaps a high APR, but paying off the bill in full each month can help show lenders that you’re reliable.

    These credit cards allow you to earn money for everything you spend on the card, in varying amounts usually around 1-2%, with some higher limited period introductory rates.

    Store cards can be useful if you shop in the same shops or chains. They often come with higher interest rates than standard credit cards and lower credit limits, but usually have special offers for cardholders.

    Affinity cards (or reward cards)

    The credit card companies typically partner with other organisations to allow you to a) benefit a cause close to your heart every time you use it or b) benefit from customer loyalty by building up reward points or discounts.

    See your Experian Credit Score

    Sign up to CreditMatcher for free, forever to get your free credit score and compare credit cards matched to your personal credit information.

    Compare credit cards with Experian CreditMatcher

    Experian is a credit broker and not a lender.

    • View your credit card eligibility ratings based on your credit information
    • Know which cards you are more likely to be accepted for
    • You could save time with a range of providers to choose from
    • Pick from balance transfer, purchase and others

    Related articles

    Types of credit cards

    Understanding the loan landscape

    Types of credit cards

    Types of credit cards

    Understanding the mortgage landscape

    Types of credit cards

    How to choose your first credit card

    Types of credit cards

    Types of credit cards Types of credit cards Types of credit cards Types of credit cards

    Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers. Experian acts independently and although CreditMatcher shows products for a range of lenders it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

    CreditMatcher is provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.

    Copyright 2017, Experian Ltd. All rights reserved.

    Types of credit cards





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    Home Equity Loans and Lines of Credit – Bad Credit OK #no #credit #card #credit #report

    #home equity loan bad credit
    #

    Home Equity Loans and Lines of Credit

    6/26/15: Homeowners Brace for Cash Crunch as HELOCs Come Due

    During the height of the housing bubble, home equity lines of credit (HELOCs) were an extremely popular way for homeowners to tap into their home equity to fund a variety of purchases, such as home improvements and education expenses.В  In fact, $265 billion in outstanding HELOCs were originated between 2005 and 2008. (Source: Experian, May 2015)В В  Unfortunately, many homeowners who took out HELOCs during this time period now find themselves bracing for a cash crunch as these loans enter their repayment phases.В В

    What is a HELOC?

    A HELOC is a revolving line of credit based on the amount of equity in your home.В  With a HELOC, you can borrow what you need (up to the maximum allowed) when you need it (subject to any time limit on the borrowing period–typically 10 years). With a HELOC, you can use the line of credit while making interest-only payments.В В

    What is the repayment phase ?

    Once a HELOC enters the repayment phase, you can no longer borrow from the line of credit, and your option to make interest-only payments will end.В  Depending on the loan terms, you will be required to pay back the principal along with interest by making regular monthly loan payments over the course of the repayment period or by making a lump-sum/balloon payment.

    How does this impact borrowers?

    As HELOCs enter their repayment phase, borrowers could see a huge spike in their monthly payments.В В В  As a result, industry experts fear that this could lead to a rise in loan delinquencies.В  Even more troublesome is the fact that many HELOCs are on properties that are still underwater, leavingВ В  homeowners who wantВ  to refinance their HELOCs with limited options. (Source:В  RealtyTrac, March 2015)

    If you have a HELOC, what can you do?

    Many lenders have begun to contact borrowers toВ  alert them to upcoming changes to their loans.В  Others are working with borrowers who are having difficulty making payments.В  If you have a HELOC that is resetting, be sure to review your loan paperwork or contact your lender to find out more about the terms of your loan and what your new payment will be during the repayment phase of your loan. Find out what your options are.В  For example, if you have enough equity in your home, you may be able to refinance your HELOC.

    Home Equity Loans

    With a home equity line of credit, the lender establishes a credit limit, that you can access as you need (up to the limit), whenever you need it, by writing a check or using your credit card. Use our calculator to see how much credit you may qualify for.

    With a home equity loan (often referred to as a second mortgage), you borrow a fixed amount (typically no more than 80 percent of the equity in your home), which is transferred to you in full at the time of the closing. You must then repay that amount over a fixed term.

    Home equity financing uses the equity in your home to secure a loan. It is structured as either a loan or a line of credit.

    With a line of credit, the lender establishes a credit limit, which depends on the equity in your home and your ability to make payments. You can then access as much money as you need (up to the limit), whenever you need it, by writing a check or using your credit card. Generally, interest rates are variable and tied to an index. Your monthly payments will also vary, depending on your outstanding balance.

    With a home equity loan (often referred to as a second mortgage), you borrow a fixed amount (typically no more than 80 percent of the equity in your home), which is transferred to you in full at the time of the closing. You must then repay that amount over a fixed term. If you repay the loan, the lender discharges your mortgage. If you do not repay the loan, the lender can foreclose on your home to satisfy the debt.

    Tip: A home equity loan is more common when you have a single large expense, such as a tuition bill or a house remodeling project.

    The advantages of home equity financing include tax-deductible interest and, in most cases, a more favorable interest rate than on an unsecured, personal loan, because your home secures the loan.

    The major disadvantage of home equity financing is that your home is at risk because it serves as collateral for the loan. As such, the lender can foreclose on your home if you fail to repay the loan. In addition, you may have to pay closing costs and other fees in order to obtain the loan. However, many lenders may eliminate these costs in an effort to gain your business, so shop around.

    Credit Line Calculator





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    History of Credit Reports #free #credit #counseling

    #credit history report
    #

    Credit Reports Yesterday and Today

    How did all of this get started? In the very early days, when people bought things on credit at the general store, the store clerk wrote the purchase amount on a piece of paper that was then put into a cuff. A cuff was a paper tube that they wore on their wrist.

    Eventually, someone had the idea of collecting all of the information from these clerks’ cuffs and putting it together for other merchants to refer to before granting credit. The problem was, they only collected the bad information. The data also included character references, employment information, insurance information, and even driving records. There was no verification that the information was correct, and the customer had no way of knowing where it was coming from. The only groups that could access the information were lenders and merchants. These were known as mutual protection societies and roundtables. and their scope was limited geographically. This soon proved to be an inefficient way for businesses to protect themselves from bad debt.

    In the 1830s, the first third-party credit reporting agencies were established. They were one of the first businesses that were national in scope, and actually functioned much like a modern-day franchise. They were set up as a network of offices across the country.

    They differed from mutual protection societies in that they allowed anyone to access the credit information — for a price. These branches paid a percentage of their profits to their CRA central office in exchange for credit information from other locations. When the typewriter and carbon paper were developed in the 1870s, they discovered even greater efficiencies. The information that was accumulated was more widely available, more accurate, and covered a much larger geographical area.

    These new CRAs had to deal effectively with four groups: their subscribers, the consumers and businesses about whom they reported, their branch office correspondents, and the general public. Learning to work effectively with and keep these groups happy, as well as competing with other CRAs, helped form the agencies we know today.

    Information that makes up your credit report includes:

    • Personal identifying information – This includes your name, address (current and previous), social security number. telephone number. birth date, your current and previous employers, and (on the version you get) your spouse’s name may be included as well.
    • Credit history – This section includes your bill-paying history with banks. retail stores, finance companies, mortgage companies, and others who have granted you credit. It includes information about each account you have, such as when it was opened, what type of account it is, how much credit it includes (or the amount of the loan), what your monthly payment is, etc. If you’ve closed the account or the loan has been paid off, then that information shows up as well. If there were missed or late payments, this is where that appears.
    • Public records – Information that might indicate your credit worthiness, such as tax liens, court judgments and bankruptcies. This information is readily available from public records.
    • Report inquiries – This section includes all credit granters who have received a copy of your credit report. It also includes any others who were authorized to view it. In addition, lists of companies that have received your name and address in order to offer you credit are included. These companies don’t actually see your report, but get your name if you meet their criteria for an offer of credit, insurance or other product. This is where all of those pre-approved credit card offers come from.
    • Dispute statements – The report may also include any statements you’ve made disputing information on the report. Most credit bureaus allow both the consumer and the creditor to make statements to report what happened if there is a dispute about something on the report.

    Things that don’t appear on most credit reports include:

    • Bank account balances
    • Race
    • Religion
    • Health (although medical bills may show up as debts)
    • Criminal records
    • Income
    • Driving records

    There are different versions of credit reports available depending upon the requestor. The consumer version includes all of the above information, as well as a listing of all inquiries for the report. The business version includes all of the above information, but only the inquiries made by companies with a permissible purpose — this usually means someone with whom you have initiated business.





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    How Do I Apply for a Home Equity Line of Credit With Bad Credit? #canadian #credit #score

    #home equity loan bad credit
    #

    How Do I Apply for a Home Equity Line of Credit With Bad Credit?

    by Lynn Burbeck

    Home equity lines of credit can help homeowners with bad credit.

    Obtain a copy of your credit report to determine precisely how bad your credit score is. Reviewing your credit report will also give you an opportunity to look for inaccuracies which may be hurting your credit score. Inaccurate information can be petitioned by contacting the creditor directly or having the individual credit bureaus contact the creditors for you. Everyone is entitled to one free credit report every year from each of the three credit reporting agencies: Experian, TransUnion and Equifax.

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    How To Get A Letter Of Credit With Bad Credit #line #of #credit

    #how to get credit score for free
    #

    These types available as a result How to get a letter of credit with bad credit of web.

    Your real age, salary, take a trip people, and even pursuing ought to all sorts of things be taken out note.

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    The Cost of Having Bad Credit – Low Credit Score, Higher Interest Rates #consumer #credit #services

    #poor credit auto loans
    #

    Bad Credit Will Cost You More in High Interest Rates

    Having Bad Credit Means Higher Interest Rates Which Cost You More Money

    Last Updated: June 21, 2015

    Bad credit can cost you a small fortune over the course of your lifetime. Think of all the money you are spending on interest every month on your home loan, credit cards. and auto loan. If you have bad credit or a low credit score, chances are, you are paying double digit interest rates which translates into a lot of extra money spent every month.

    In this tight economy, lenders are getting more and more choosey on who they lend money to and at what interest rate. If you have a low credit score, they are going to hit you with a high interest rate whereas a person with excellent credit, is going to enjoy the benefits of low interest and overall lower monthly payments. Which person would you rather be? Tough choice – huh?

    Cost of Loans with Bad Credit

    To illustrate our point, let’s take two fictitious people, Ben and Sydney. Ben has a FICO credit score of 720, an excellent credit score, whereas Sydney’s FICO credit score is 650, a fair to poor credit score. Let’s look at a scenario where they are both buying a car for $20,000 on a 60-month loan.

    • Ben takes out a 4% interest loan, his payments will be $368.33 per month.
    • Sydney takes out an 18% interest loan, her payments will be $507.87 per month.
    • Sydney will pay $8,672.40 more for the same car.

    Now, let’s look at another example where Ben and Sydney buy a house for $150,000.

    • Ben’s interest rate is 5% and his monthly payments will be $805.23 per month.
    • Sydney’s interest rate is 10% and her monthly payments will be $1,326.36.
    • Sydney will pay $184,006 more for the same house.

    Long Term Affects of Bad Credit

    In our examples above, we showed you the short term affects bad credit can have a person. Sydney has to pay so much more for the exact same products as Ben, but what does that mean in the long run? Well, if they make about the same salary, the person with bad credit has less “fun” money at the end of the month. Money that could be spent on going out to dinner, taking a vacation, or maybe just investing it into a retirement account. When you have bad credit, more than just your wallet is affected. It affects your family, your well-being. and your overall quality of life.

    People who have bad credit can never seem to get ahead of the game because they are spending so much more for the same things. That is why is it so important to work on increasing your credit score and cleaning up your credit. Removing negative items, consolidating loans, paying off debt, and paying your debts on time are all things each and every one of us can work on each and every month. A little effort can go a long way.

    Ways to Get out of Bad Credit Hell

    Now that you see how much money bad credit can cost you, how do you get out of bad credit hell? It is really quite simple, but it will take some dedication on your part. Just think about all the money you are going to save for that vacation to the Bahamas and that should keep you pretty well motivated. Here are some basic tips:

    • Pull Your Credit Report – You need to see what is on your report before you tackle the problem. Our site contains many ways to get a free credit report or you can opt for a credit monitoring service which affords you a credit report and score.
    • Take Note of All Negative Items – Mark off all the negative items on your report and begin the task of disputing these. Our article on “Disputing Negatives with Original Creditor ” will show you the way.
    • Pay Your Current Accounts On Time – Start paying your open accounts on time and start paying them off. Consolidate them by taking out a low interest low and pay them off.
    • Open Some Different Lines of Credit – Your credit score will benefit from varied types of accounts and make sure to pay these on time and keep low balances on them as well.

    Once your credit score increases. you can then apply for loans with lower interest rates. Get rid of all those high interest loans and you will start to see some extra money in your pocket at the end of the month. Your Mai-Tai on the beach in the Bahamas is really not that far away!

    FREE credit summary & consultation from Lexington Law Just fill in the form and click “Start”. or call Lexington Law now 800.461.0524

    By clicking “Start” I consent by electronic signature to be contacted by Lexington Law and/or Credit Info, LLC about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number (dialed manually or by autodialer) and by email. This consent is not required as a condition to purchase services.





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    Sample Credit Report Dispute Letter of Explanation #mortgages #for #people #with #bad #credit

    #credit report dispute
    #

    Sample Credit Report Dispute Letter of Explanation

    All 3 of the credit bureaus now accept filing of disputes online, with Experian only accepting online submissions. To find out how to initiate a dispute online, click here.

    Tell the credit bureau in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position.

    You may want to enclose a copy of your credit report with the items in question circled. Send your letter by certified mail, return receipt requested, so you can document that the credit bureau received your correspondence. Keep copies of your dispute letter and enclosures.

    Your Address

    Your City, State, Zip Code

    Complaint Department

    Name of Credit Bureau

    Address

    City, State, Zip Code

    Dear Sir or Madam:

    I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

    This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

    Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

    Sincerely,

    Your name

    Enclosures: (List what you are enclosing)





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    Secrets of the 800 Credit Score Club #free #credit #score #wiki

    #how do you find out your credit score
    #

    Secrets of the 800+ Credit Score Club

    It’s a Catch-22. If you have bad credit, you pay more in interest on home loans. auto loans, credit cards and more, making it more challenging to make your payments, get out of debt and improve your credit score. On the other hand, if you have good credit, you pay less in interest, increasing the likelihood that you can manage your monthly payments, keeping your credit score high and in tact. The truth is, no matter what your credit score is now, you can achieve the platinum standard of credit—a score above 800—and nab yourself the best deals on life’s largest purchases.

    Never miss a payment

    I’ve never had a payment reported as late on my credit report. This is crucial to your credit score. Payment history makes up about a third of your credit rating. If you have a good score and miss just one payment, your credit score can suffer upwards of 110 points. Besides debt settlement, foreclosure and bankruptcy, a late payment is about the worst thing you can do to your credit score.





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    4 Dangers of Credit Card Cash Advances #get #your #free #credit #score

    #cash advance credit card
    #

    4 Dangers of Credit Card Cash Advances

    Cash advances can offer credit card users a smart and convenient way to quickly obtain cash. However, they can turn out to be a nightmare if you don t fully read the terms and conditions.

    Here are a few dangers to be aware of if you are considering taking a cash advance.

    1. Fees, fees and more fees

    2. Higher interest rates

    3. No grace period

    Unlike most credit card transactions, cash advances do not offer a grace period before interest starts accruing. Therefore, your balance will start to increase immediately after the transaction is processed.

    4. Facilitates poor spending habits

    Because of these hidden dangers associated with cash advances, it is essential to think twice and look for other options before using this method to bail you out of an unfavorable financial situation.

    Image: iStock

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    Get the latest tips & advice from our team of 50+ credit & money experts, delivered to you via email each week. Sign up now .

    Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

    Allison Martin is a copywriter and financial mentor. She specializes in educating individuals about personal finance through insightful and candid articles. Allison earned her Bachelor of Science and Master of Accountancy degrees from the University of South Florida. She also covers personal finance topics at Love to Know and Lifehack. www.allisonemartin.com More by Allison Martin

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.





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    10 Ways to Get out of Credit Card Debt #kredit

    #how to get credit card with no credit
    #

    10 Ways to Get out of Credit Card Debt

    When it s so easy to whip out a credit card every time you want to buy something, it s no wonder so many Americans are in debt. In fact, according to Creditcards.com. the average credit card debt per household with credit card debt is approximately $15,000. Add in high interest rates on owed balances of around 14%, and consumers often find themselves struggling just to make minimum monthly payments, let alone pay down any principal.

    Regain Financial Control

    But just because so many Americans have credit card debt, it doesn t mean you have to be among them. In fact, now is the perfect time for you to enlist some creative solutions to help you get out of credit card debt fast. Here are some options to consider:

    1. Spend less than what you earn and pay more than the minimum amount due on your credit cards. It seems so simple, yet many consumers fail to follow this basic advice. If you can t afford to pay for it now, don t buy it. Live within your means and divert those saved dollars to your card balances with the highest interest rates. Sending in anything beyond the minimum payment, while still fulfilling your other financial obligations, is one of the best ways to get out of credit card debt fast. (Learn how your credit card s interest rate and minimum monthly payments affect your bottom line using CareOne Debt Relief Services online credit card debt calculator .)
  • Avoid unnecessary expenses. Replace concert or movie tickets and dinner at a hip new restaurant with more frugal choices. For example, borrow a free DVD from your library, attend a high school sports game, and cook at home. If you can avoid any major cancellation fees, consider canceling your gym membership until you pay off your debt and try exercising outdoors or at home. Again, redirect those savings toward your credit card balances.
  • Boost your income . Obtaining a second job would place you among a growing number of Americans who moonlight to make ends meet, want to build their savings, or need to get out of credit card debt. Can you juggle two jobs or add part-time work to your career? Have you considered selling items you no longer need on Craigslist or eBay. Alternatively, think about hosting a yard sale. offer up your time by pet- or house-sitting, or turn your hobbies and interests into income as a music instructor, writing tutor, handyman, etc.
  • Use a debit card. According to a Federal Reserve Bank of Boston 2010 survey on consumer payment preferences, 80% of consumers own a debit card. If you fall within this category, using a debit rather than a credit card forces you to buy only what you can afford based on the balance in your bank account. If the money is not there, you can t spend it. This also prevents the risk of damaging your credit if you can t pay the bill.
  • Remember cash? Those small-dollar purchases you make using a credit card may not seem like much individually, but they add up when examined collectively. The next time you want to add a fancy latte or new video game to your shopping list, put the credit card away and buy only what you can afford using the cash in your wallet. Follow this advice, and those last-minute additions might not seem so necessary.
  • Review your budget OFTEN. Schedule a weekly appointment on your calendar to review what you ve spent during the previous week, ensure that any outstanding bills are paid on time, and identify upcoming expenses so you can plan to cover them. Schedule this time just as you would a doctor s appointment or business meeting, and you re more likely to perform these important budget reviews and manage your finances more effectively.
  • Call your creditors. If you ve been making consistent payments, call your card provider, and request an interest rate reduction or new monthly repayment schedule so that due dates fall after you receive your paycheck. Consumers who shift their payment due dates can often allocate their income more effectively and ensure timely payments. You have nothing to lose by requesting these concessions.
  • Consider debt consolidation. Despite your best efforts, if you re not getting out of credit card debt fast enough, contact a reputable credit counselor who can tailor solutions based on your needs. One possible solution, a debt management plan, consolidates your unsecured debt into a single monthly payment that you send to a debt relief company such a provider of CareOne Debt Relief Services, which distributes designated funds to your creditors. After you make a string of timely payments, the debt relief provider leverages that history to secure benefits to help you fulfill your obligations over time (e.g. interest rate reductions, late and over-the-limit fee waivers, and reduced monthly payments). Another plan, debt settlement. helps people who can t repay their debt in full and are facing bankruptcy. Under this arrangement, your debt relief provider approaches your creditors with an offer to settle your accounts for a portion of the amount owed. Your counselor can recommend the best strategy based on your income, financial goals, and extent of debt.
  • Plan for unexpected expenses. It may sound counterintuitive to suggest saving in an article about how to get out of credit card debt fast, but as you chip away at your debt, it s equally important to build a nest egg so you can handle unexpected events. For example, you could lose your job. suffer a medical emergency that prohibits you from working, get divorced. or face caring for an elderly parent. Even if your income is unsteady, you can still save when you make it a routine part of your budgeting process.
  • Set a realistic goal and reward. Calculate a date when you d like to pay off a credit card or bill and then enjoy a responsible dinner out or new item of clothing. The reward doesn t have to be fancy or expensive, but there s a psychological boost to be gained when achieving each milestone on the way to becoming debt-free.
  • Getting out of credit card debt is only half the battle. Yes, you need to follow these tips, but you also need to address through education and financial counseling how you wound up so far in the red in the first place so you can stay out of debt for good. Stick to your plan, or the plan provided by a reputable credit counselor, and you will achieve your goals and get out of credit card debt.

    If you liked this you may also like:

    Consumers seeking credit card debt solutions have various options, from balance transfers and debt consolidation loans, to professional help from a debt relief company if the problem feels too overwhelming to overcome on their own.

    Ten tough questions to ask to see if you are ready to make the commitment to getting out of credit card debt once and for all.

    For some people, understanding how to negotiate credit card debt may be a great first step for getting their finances back in order. You’ll have to contact your credit card company and know who to approach, what terms to ask for, and where to go if you need more help.

    Are you only paying the minimum payment each month? If you increased your payment amount every month by as little as $10, you could pay down your debt much faster.

    The average American spends more than half of their yearly salary on the three major expenses of housing, cars, and food. Take a look at the chart below for some eye-opening facts about how a 4-person American family with an average income after taxes of $89,803 spent the bulk of their yearly paycheck ($68,481) in 2009.

    Begin our online process to see your personalized savings.





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    Best Secured Credit Cards of 2015 #free #yearly #credit #report

    #best secured credit cards
    #

    The Best Secured Credit Cards of 2015

    I f you find yourself being turned down for unsecured credit cards, one of the options you have in obtaining credit comes from a secured credit card.  A secured credit card is different than an unsecured credit card because your approved credit limit depends on the amount of your initial deposit.

    Unsecured credit cards provide cardholders credit without having to put anything up for collateral.  Therefore, should the cardholder default, the process to recoup the funds is costly and time consuming.  A secured credit card on the other hand, works only when the cardholders deposits an initial amount of money to the card issuer.  That amount is the amount of credit the cardholder will receive and should a cardholder default, the issuer can simply draw from the deposited funds to cover the default. Secured cards generally come with unfavorable terms and high fees but we ve compiled a list of our favorite secured cards that offer good terms with very low fees.

    Speak Your Mind Cancel reply

    Advertiser Disclosure. This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. The credit card offers that appear on this site are from credit card companies from which doughroller.net receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Doughroller.net does not include all credit card companies or all available credit card offers.

    Disclaimer. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on our site may differ from actual numbers.See our Privacy Policy & Disclaimer for more details.

    Archives. You can explore the site through our archives dating back to 2007.





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    DR 142-How to Track All 3 of Your Credit Scores #credit #reference #check

    #all three credit scores
    #

    DR 142 How to Track All 3 of Your Credit Scores

    Y our credit scores are never more important than when you are about to buy a home. That pesky 3-digit number can lower or raise your interest payments by tens of thousands of dollars over the life of a mortgage. So it was no surprise when a reader named Kelly sent me the following email:

    I am looking to have my middle score at a certain number for a home purchase and would like to start monitoring before formally applying for the loan.

    Great topic and a great strategy when you’re planning to apply for a mortgage. By monitoring your credit scores in advance, you avoid negative surprises at application time, and give yourself time to correct errors.

    So what’s the best way to monitor your credit? We’ll look at some tools to help you do that. But first let’s cover some general information as it relates to credit scores.

    Listen to the Podcast on how to track all three credit scores

    Credit Scoring Basics

    It’s important to understand that you don’t have one credit score, but three. Actually, you may have as many as fifty, but the three most common and most used by mortgage lenders are issued by the three major credit bureaus:

    Mortgage lenders will pull the three scores from each of the reporting agencies. They do this because there typically are differences in the score from one agency to the next. These differences are the result of each of the credit bureaus having slightly different information on a consumer. Mortgage lenders use the middle score. So if my three scores are 770, 780, and 790, the lender will use 780 as my representative credit score for the purpose of the loan.

    A difference of even 20 points can mean a higher or lower interest rate. Mortgage lenders base credit on credit tiers. A 20 point difference could drop you from the 720+ tier down to the 700  719 tier, resulting in a 1/8 increase in the rate you will pay on a 30 year mortgage.

    For example, a a score of 730 might get you a rate of 4.00% in today s market. A score of 710 may result in a rate up tick to 4.125. On a $200,000 mortgage, that will increase your monthly payment from $955 to $969 a difference of $14 per month. While that may not seem like much, over 30 years that will add up to $5,040. That’s why it’s so important to monitor your credit scores before a taking a major step, like applying for a home mortgage.

    So what Kelly wants to do correctly is to track her middle score. How do you track all three?

    There are different ways to do this. Some options will cost money, while others are free.

    1. MyFICO

    The easiest, most reliable and most expensive way is through myFICO. which is run by Fair Isaac Corporation, the creator of the FICO score. You can subscribe to the service and monitor your credit reports from all three bureaus and your three FICO credit scores. One place, all three scores.

    The downside to this service is the cost. It s $19.95 per month, and there s a three month minimum requirement. So even if you just want to see a snapshot of your scores, you’ll have to pay a minimum of $60.

    If you’re going to buy a home, myFICO is an excellent way to monitor your credit and deal with problems before submitting a loan application, particularly as you get very close to applying for your mortgage.

    2. Credit Cards

    Several credit card companies now give you free access to your FICO Score. Discover, Capital One and Barclaycard are three credit card companies that do offer free credit score access. However, they don’t all provide your official FICO score, nor do they provide scores from all three credit bureaus. Typically, they’ll offer just one score.

    Capital One, for example, uses a non-FICO scoring model based on your TransUnion credit data. That said, the score is still a good barometer of where your credit stands and is an excellent tool to monitor your credit for general credit score range.

    Capital One’s scoring model is based on six categories:

    • On-time payments
    • Oldest credit line
    • Credit Utilization
    • Recent inquiries
    • New accounts
    • Available credit

    In each category, you’re score is based on A, B, C and D grades. You can also click on any category and run what-if scenarios. For example, you can look at what having no late payments for the next 12 months will do to your score. Or you can measure the impact of a late payment.

    When I did this, I found that one 30 day late payment on my credit drops my score from 780 to 739. A 60 day late drops it to 727, while a 90 day late drops it to 718.

    Among large credit card issuers, Citi is slated to offer a similar tool in January, 2015. But curiously, Amex and Bank of America don’t offer it.

    Credit Concierge

    This is another free service. Like the credit card companies, it also uses a different scoring model, but similar to FICO. It’s based on TransUnion, just as Capital One is, so my score here was the same at 780. It also uses the same format and has the same features as Capital One.

    Credit Concierge doesn t require a credit card for the service, but you will need to provide your name, address, and social security number, and answer a few questions, to make sure you’re who you say you are. The score updates every 30 days.

    4. Credit Sesame

    This is also free, but it bases its data on Experian. Credit Sesame reports my score at 818. The app also shows broader financial information, such as the value of your home and debt-to-income ratios based on your estimated income.

    Just like with Credit Concierge, you have to provide your name, address and social security number and answer a few questions to make sure you’re who you say you are.

    5. Quizzle

    Quizzle is similar to the others, and also free of charge, but it’s based on Equifax. My score here was 807, so you can see that despite using many different credit score sources, they’re all in the same ball park on scores.

    Summary

    If you just want to monitor your credit scores on an ongoing basis, use the free options. Use the paid services only when you get close to getting a new mortgage.

    You can see all the credit score links listed in this post on this page How to Get Your Free Credit Score (with no credit card) .









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    Which Type of Rewards Credit Card is Right for You? #how #do #i #check #my #credit #rating

    #credit card types
    #

    Which Type of Rewards Credit Card is Right for You?

    Wise Bread Picks

    Everyone talks about rewards cards.

    We see them advertised on TV, plastered on the sides of buses, and stuffed into our mailboxes. In fact, we hear about rewards cards so often that they all begin to blur together. It s become a buzzword used describe nearly every card under the sun.

    Yet it s important to realize that rewards cards are not all the same. There is actually a surprising amount of diversity within the market, such that two cards you think are similar (based on surface indicators like the APR or annual fee) might be night-and-day different from one another.

    Compounding the problem is the fact that rewards cards are not tailored to individual consumers. They re created by marketing teams and designed to appeal to as many consumers in a homogeneous group (say, business travelers or students ) as possible. In short, the credit card companies don t really know you at all.

    That means it s your job to sift through all of the many rewards cards you could pick and find the one(s) for you.

    How Rewards Cards Changed the Rules of Picking the Best Card

    Picking the best credit card was relatively simple before rewards cards came into existence. The best advice could be summed up in one-sentence truisms like make sure your card is accepted everywhere or avoid annual fees (which is horrible advice when evaluating rewards cards) and, of course, look for the lowest APR.

    Credit cards were basically commodities, with very little to differentiate one from any other. Rewards cards changed all that by introducing new variables and rendering incorrect much of the standard credit card advice people followed before.

    4 Major Types of Rewards Cards

    First, you should understand that there is no such thing as a rewards card in general. Rather, there are cards that reward certain types of spending with certain types of perks or benefits. Brief summaries of each (as well as who should get which cards) are offered below:

    Airline Miles Cards

    Airline miles cards enable you to accumulate miles (or points) based on the flights you buy with the card. Over time (and with enough trips charged to the card) you can earn enough points to take entire round-trip flights for free.

    This card IS for you if. you already were a frequent air traveler and would be, with or without this card. In your case, an airline miles card is icing on the cake a way to get rewarded for what you already do and would have done no matter what. Even a high annual fee (say, $85) doesn t matter because you ll easily travel enough to earn it back and then some in points.

    This card is NOT for you if. you fly once or twice a year but love the idea of getting enough points for a round-trip flight just for signing up. What the stewardess didn t tell you is that after those initial complimentary points, you would need to spend tens of thousands of dollars per year on your airline miles card to earn another free flight. As SmartMoney reported in 2009:

    The Continental Airlines World MasterCard, for example, carries an annual fee of $85, and earns one mile per $1 spent. One mile is worth about a penny at redemption, so you’ll have to spend $8,500 just to offset the fee.

    Infrequent travelers are virtually assured of not spending enough for the fee to be worth it (never mind accumulating enough points for free trips!)

    Gas Rewards Cards

    It s no secret that gas prices have skyrocketed during the last decade. Sensing that consumers are feeling pain at the pump, credit card companies launched gas rewards cards which rebate anywhere from 3%-5% of the gas you buy on credit.

    This card IS for you if. you have a long commute, frequently drive for pleasure, and/or drive a gas-guzzler of some kind. If anything about your lifestyle results in having to buy lots of gasoline, gas rewards cards are an excellent way to be rewarded for it.

    This card is NOT for you if. you work from home, rarely drive for pleasure, and/or drive an extremely fuel-efficient vehicle. Personally, I m a horrible candidate for gas cards because I drive a diesel-powered Volkswagen that only needs to be filled up once or twice a month!

    Balance Transfer Cards

    Credit card companies are well aware of the widespread debt problems that today s consumers have. That s why balance transfer cards (which offer you a 0% APR for 6-12 months after transferring a balance) have become some of the most popular offerings from banks and credit card companies.

    This card IS for you if. you owe a staggering amount of money on one or more credit cards ($5,000-$10,000 or more) and believe you can pay a significant amount of it off during the 0% APR teaser period.

    This card is NOT for you if. you have little or no credit card debt and therefore have no strong reason to care what the APR is (neither for the first 6-12 months nor anytime after.)

    Cash Back Cards

    Cash back cards are the closest thing to a rewards card that can appeal to just about anyone. As the name implies, these cards reward you by refunding a certain percentage (usually around 2%) of all your spending. That means, for instance, that spending $2,000 on your cash back card will net you $40 at the end of the month simply for doing your spending on that card.

    This card IS for you if. you are comfortable doing most or all of your spending with the credit card so as to maximize your cash back reward.

    This card is NOT for you if. you hate using credit cards for anything other than when they re mandatory (such as booking a flight, rental car, or hotel room.)

    The common theme here is ignoring the marketing-speak of the credit card companies and focusing intently on what each card can offer YOU individually. By taking a careful inventory of your lifestyle and spending habits, you can select the card that will provide the most rewards for what you already do which is the whole point. Avoid the common mindset of impulsively signing up for a card that sounds good and then trying to change your behavior to benefit from it.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.





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    What Type of Credit Card Should I Get? #payday #loans #bad #credit

    #what credit card should i get
    #

    What Type of Credit Card Should I Get?

    There are a ton of credit cards out there, from credit cards for those with bad credit to rewards credit cards and beyond.  They are offered by a number of card issuers for a myriad of reasons.

    So that brings us to a tough question, “what credit card should I get?”  This depends on a number of factors, including your credit history and credit score. and also what you’re interested in.

    Some decisions will be determined by the credit card issuers themselves if you have less than stellar credit or insufficient credit history.  In this case, you may not have much say in what credit card you should get.  You may have to take whatever they offer, and even pay an annual fee to do so.

    Conversely, if you stay on top of your credit and keep your scores up, you’ll be able to apply for and receive nearly any credit card you wish.  So what credit card is right for you?  Well let’s break it down into categories.

    Credit Building Credit Cards

    This category, also known as bad credit credit cards, is applicable if you have an insufficient or poor credit history (why is my credit score low ).  Unfortunately, these types of cards are riddled with fees, such as annual fees, monthly servicing fees, credit limit increase fees, application fees, program fees, and other nonsense.  For that reason, it’s best to avoid these if at all possible.

    Secured Credit Cards

    Although most card issuers are pushing consumers towards the fee-based unsecured credit cards these days, you may be able to get a secured credit card instead.  This is basically a credit card where you provide cash collateral in return for a credit line.  So if you provide $500, your credit line will be $500.  Once you’ve proven that you can make on-time payments for a specified period of time, the bank or issuer may raise your limit or give you an unsecured line of credit.  Just make sure the credit card is being reported to the credit bureaus so you get, ahem, credit.

    Bank Credit Cards

    If your credit history is limited, or your credit score is poor, inquire about a bank-issued credit card instead.  This may be a better option than going with a high-cost credit building credit card or a secured credit card.  You can still build your credit this way, but without all the costly fees.  Chances are your bank will approach you about this type of credit card when you open a checking/savings account, as they know you have money.  These also serve as partial overdraft protection.

    Student Credit Cards

    Student credit cards are generally reserved for those with limited credit history, not bad credit history .  They often carry high APRs and limited credit lines, so they aren’t the most ideal.  However, recently many of them began offering rewards, including cash back, with no annual fee.  If you are a student with limited credit, this might be the choice for you.

    Platinum/Gold Credit Cards

    These credit cards are reserved for those with pristine credit and offer benefits such as extended warranties, car rental and travel insurance, travel assistance services, and zero liability for unauthorized purchases.  If you have good credit (what is a good credit score ), you should apply for one of these types of credit cards, as they offer more protection and value to the card holder.  American Express will actually extend a U.S. manufacturer’s warranty of less than five years by an additional year if you use an Amex card for purchase.  That s a good deal for your ailing laptop. Just watch out for sky-high annual fees as seen on the Platinum Card .

    Rewards Credit Cards

    Rewards credit cards are another benefit of having good credit, as you can receive cash back or other rewards for spending using your credit card.  My personal favorite is a cash back credit card, as it’s a no-nonsense money in your pocket type of deal.  While travel and hotel rewards can be enticing, you often get stuck paying an annual fee .  So they only make sense if you know you’re going to spend a lot on your credit card and use the rewards.

    Capital One offers airline rewards without an annual fee on some cards, though its popular Venture Rewards card does carry an annual fee.  Another popular fee-based rewards card is the Chase Sapphire Preferred card. which offers up to $625 in travel rewards as a mere sign-up bonus !

    However, many cash back rewards cards carry no annual fee, so you can bring in money without having to pay to play. The old American Express Blue Cash Card currently offers the best cash back out there. And the Chase Freedom $200 cash back bonus is unmatched for a fee-free credit card.

    Balance Transfer Credit Cards / 0% APR Credit Cards

    If you already have a credit card, but are looking to move an existing balance to a low APR credit card, this will likely be your best option.  Most credit cards have APRs in the teens, but if you have good credit, there’s an opportunity to move the balance to a new credit card with 0% APR or a super low fixed APR for the life of the balance.  This makes more sense than paying a high APR on a large balance.

    Both Chase and Discover are currently offering no fee balance transfer credit cards. a great deal if you ve got debt you need to pay off.  You avoid finance charges for a full year, making it that much easier to pay it all off!  They are limited time offers, so don t wait.

    Low Interest Rate Credit Cards

    The downside of many balance transfer credit cards is they carry a fee, often 3% of the balance or more, meaning you must make a hefty payment upfront that will accrue interest.  To avoid this, you may be able to transfer a balance without a fee to a credit card with a low, fixed interest rate.  See my article 0% APR credit cards vs. fixed rate credit cards to determine which is best for your unique situation.  There are also some 0% APR no fee balance transfer credit cards still available that provide the best of both worlds.

    So that’s it.  Hopefully this helps you decide what credit card to get.  As mentioned earlier, there are literally hundreds out there, so take your time and do your research.  Remember, it s okay to carry more than one credit card, so you don t have limit yourself if you need multiple cards for different purposes.  Just be sure to always read the fine print before applying!





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    What Different Types of Credit Cards Are Available? #how #to #check #credit #score

    #types of credit cards
    #

    What Different Types of Credit Cards Are Available?

    Welcome to My Personal Finance Journey. If you are new here, please read the “About ” or “First-Time Visitor ” pages to find out more about us. If you would like to receive free updates on articles like this by email, then sign up here  or you can subscribe to the RSS feed. Also, check us out on Twitter  or Facebook. Thanks for visiting! Keep on learning!

    Welcome to My Personal Finance Journey. If you are new here, please read the About or First-Time Visitor pages to find out more about us. If you would like to receive free updates on articles like this by email, then sign up here or you can subscribe to the RSS feed. Also, check us out on Twitter or Facebook. Thanks for visiting! Keep on learning!

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    Visterra Credit Union awarded Community Partner of the Year #how #to #get #your #credit #report

    #visterra credit union
    #

    Press

    Visterra Credit Union awarded Community Partner of the Year

    MORENO VALLEY, CA (June 9, 2014)   June 4, 2014, Visterra Credit Union, 23520 Cactus Avenue, Moreno Visterra Credit Union, a locally headquartered, full-service financial institution has been named the 2014 Community Partner of the Year by the Moreno Valley Salvation Army.

    The Moreno Valley Salvation Army held its 3rd Annual Appreciation Event on June 4th. The event, which was held at Moreno Valley Conference Recreation Center, recognized corporate and community partners. Visterra Credit Union was recognized once again as this year’s Community Partner of the Year for their dedication and community involvement in helping the Moreno Valley Salvation Army. Janet DuHaime, SVP/COO of Visterra Credit Union said, “We are extremely grateful to be the Salvation Army’s Community Partner of the Year for 2014. Our staff takes great pride in donating their time to local organizations and giving back to the communities they live and work in. It’s been a truly rewarding experience for all involved having those efforts recognized by this award.”

    Visterra CU is a full-service, not-for-profit-cooperative financial institution headquartered in Moreno Valley. With assets of about $335,000,000 and over 33,000 members, Visterra CU has over 60 years of sustained growth and success. Members enjoy surcharge free access to over 30,000 ATMs across the country as well as a complement of products and services expected of a major financial institution. Information regarding Visterra Credit Union’s accounts and services can be obtained by accessing their website at http://www.visterracu.org .





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    Unsecured Lines of Credit #free #credit #check #report

    #lines of credit
    #

    Unsecured Lines of Credit

    Line of Credit Features

    • Easily access your funds – simply use the supplied checks
    • Line is re-usable – use funds up to the established credit limit and, as you repay the outstanding balance, that amount is available to use again without reapplying for the line
    • Variable interest rate falls and rises with the New York Prime rate
    • Payments are based on a percentage of the outstanding balance and decline as you repay it
    • Quick approval and closing so that you have the money you need right away and convenient branch locations so that you can sign your papers close to home
    • Use INTRUST Personal OnLine Banking to view the real-time balance of your loan and make loan payments by transferring funds from another INTRUST account
    • No annual fee

    A line may be right for you if you:

    • Don’t know exactly what you want or how much money you need
    • Want to be able to access the money quickly and conveniently when you need it
    • Prefer the flexibility of a payment that falls as your balance falls
    • Want a variable interest rate that falls or rises with market rates (APR may vary)
    • Don’t wish to secure the line of credit with your home, as with a home equity line of credit




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    List Of Credit Cards In The Philippines Today – Think Rich. Be Free. #where #to #get #a #credit #report

    #pnb credit card
    #

    List Of Credit Cards In The Philippines Today

    A List of Credit Cards In The Philippines Today

    Having a credit card or two can be very helpful to a person s finances because of what credit cards offer, which is convenience. Convenience to pay for your purchases without using cash and to buy things you need in any parts of the world, as long as your credit card will be recognized by the merchant. To give you more convenience, I made this list of credit cards in the Philippines that you can freely use.

    If you re into getting your very first credit card or you re planning to get another credit card, then you came in the right place to find who or where you can get your credit card from. Here is a list of credit card providers in the Philippines and the following credit cards that they offer to their clients:

    1. Bank of the Philippines Islands (BPI)
      • BPI Blue MasterCard
      • BPI Gold MasterCard
      • Petron-BPI MasterCard
      • BPI Skymiles MasterCard
      • BPI Skymiles Platinum MasterCard
      • BPI Family Credit Card MasterCard
      • BPI eCredit MasterCard
      • BPI-Ayala Malls Amore Visa
      • BPI-Ayala Malls Amore Visa Platinum
      • BPI Edge MasterCard
    2. Banco de Oro Unibank (BDO)
      • BDO Classic MasterCard
      • BDO Gold MasterCard
      • BDO Titanium MasterCard
      • BDO Platinum MasterCard
      • BDO Shop More MasterCard
      • BDO-Forever 21 MasterCard
      • BDO-Bench MasterCard
      • BDO-La Salle Centennial MasterCard
      • BDO Blue from American Express
      • BDO American Express Credit Card
      • BDO American Express Gold Credit Card
      • BDO American Express Platinum Credit Card
      • BDO-Cathay Pacific American Express Credit Card
      • BDO-Cathay Pacific American Express Elite Credit Card
      • BDO Classic Visa
      • BDO Gold Visa
      • BDO Platinum Visa
      • BDO JCB Lucky Cat
      • BDO JCB Gold
      • BDO UnionPay Gold
    3. Metrobank
      • Metrobank Classic Visa
      • Metrobank Gold Visa
      • Metrobank Platinum MasterCard
      • M Lite MasterCard
      • M Free MasterCard
      • Metrobank-Toyota MasterCard
      • Metrobank Femme Visa
      • Metrobank-Robinsons-Cebu Pacific MasterCard
      • Metrobank Dollar MasterCard
    4. Security Bank
      • Security Bank Classic MasterCard
      • Security Bank Gold MasterCard
      • Security Bank Platinum MasterCard
      • Security Bank MasterCard Corporate Card
      • Security Bank e-Secure
    5. Maybank
      • Maybank MasterCard Standard
      • Maybank MasterCard Gold
      • Maybank MasterCard Platinum
      • Maybank Visa Classic
      • Maybank Visa Gold
      • Maybank Visa Platinum
    6. Land Bank of the Philippines
      • LandBank Classic Local Visa
      • LandBank Gold Local Visa
      • LandBank Classic International Visa
      • LandBank Gold International Visa
    7. Philippine National Bank
      • PNB Essentials MasterCard
      • PNB Platinum MasterCard
      • PNB Mabuhay Miles Essentials MasterCard
      • PNB Mabuhay Miles Platinum MasterCard
      • PNB MAbuhay Miles World MasterCard
      • PNB Visa Classic
      • PNB Visa Gold
    8. EastWest Bank
      • EastWest Everyday MasterCard
      • EastWest Classic MasterCard
      • EastWest Gold MasterCard
      • EastWest Classic Visa
      • EastWest Gold Visa
      • EastWest Platinum MasterCard
      • EastWest Dolce Vita MasterCard
      • EastWest Practical MasterCard
      • EastWest LaunsAutoGroup Visa
      • EastWest-Hyundai MasterCard
    9. Citibank
      • Citibank Classic MasterCArd
      • Citibank Gold MasterCard
      • Citibank Classic Visa
      • Citibank Gold Visa
      • Citibank Rewards MasterCard
      • Citibank Cash Back MasterCard
      • Citibank PremierMiles Visa
      • Citibank-Cebu Pacific Visa
      • Citibank-Rustan s Visa
      • Citibank-Mercury Drug Visa
      • Citibank-Shell Visa
      • Citibank Platinum Visa
      • Citibank-Megaworld Visa
    10. Hongkong and Shanghai Banking Corporation (HSBC)
      • HSBC Red MasterCard
      • HSBC Gold Visa
      • HSBC Platinum Visa
      • HSBC Advance Visa
      • HSBC Premier MasterCard
    11. Standard Chartered Bank
      • Standard Chartered Classic Visa
      • Standard Chartered Gold Visa
      • Standard Chartered Platinum Cash Rewards Visa
      • Standard Chartered Priority Banking Visa Infinite
      • Standard Chartered Manulife Visa
    12. Allied Bank
      • Allied Bank Essentials MasterCard
      • Allied Bank Premium MasterCard
    13. Bank of Commerce
      • Bank of Commerce Classic Visa
      • Bank of Commerce Gold Visa

    As you can see in the list of credit cards above, BPI, BDO, EastWest Bank, Citibank and HSBC are the ones offering a broad selection of credit cards for you to choose from and they are also the five of the best credit card providers in our country today.

    There s also a card that is very similar with a credit card but it s not on that list of credit cards because it s called a debit card. You might want to have one also. Fortunately for you, you can know more about debit cards by just reading this

    If you want to add any credit cards that are not in this list, then feel free to say it in the comments section below. I will be happy to add it here in this list of credit cards in the Philippines.

    Hello! My name is Mark and I’m the one responsible for this website. I’m just a person with enough knowledge about finance-related stuffs. You can know more about me by liking my Facebook Page. following me on Twitter or by adding me in one of your circles on Google+ .





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    List of Credit Card Companies – Networks: Differences, Contact Info – More #how #to #get #your #credit #score #up

    #credit companies
    #

    List of Credit Card Companies Networks: Differences, Contact Info More

    by Odysseas Papadimitriou. CardHub CEO | Apr 2, 2009

    The distinction between a credit card company (or issuer) and a credit card network is understandably confusing, but luckily it is simple to explain.  Credit card companies are the financial institutions (in most cases, banks) that issue credit cards to consumers and service their accounts.  Credit card networks, on the other hand, dictate where credit cards can be used and facilitate the payment process between credit card users, merchants, and credit card issuers.

    The trickiest part of all this is the fact that two of the world’s largest card networks – American Express and Discover – also issue credit cards.  In other words, credit cards on the Amex or Discover network are predominantly issued by American Express and Discover, respectively, while a card on the Visa or MasterCard network could be issued by a company like Capital One, Bank of America, Wells Fargo, but NOT from Visa or MasterCard.

    Below you will find additional information about the different roles that credit card companies and networks play as well as a scouting report of the largest and most popular players in this market.  This includes contact information for each card issuer and network as well as a breakdown of their performance in various CardHub studies and reports.





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    The Myth of a – True – Credit Score – US News #no #credit #credit #card

    #true credit report
    #

    The fact that consumers have more than one score often leads to confusion.

    Personal finance experts extol the benefits of periodically reviewing your credit report and score. In fact, credit reports are so important that federal law requires the three major credit reporting agencies to make credit reports available for free (see annualcreditreport.com for more details). While federal law generally does not require credit reporting agencies to give consumers their credit scores, there are many ways to get your score for free. And it’s consumers’ access to their credit score that has created a problem.

    Consumers can purchase their credit score in several ways. They can get access to their credit score from one of the three major credit reporting agencies when they get their credit reports. Consumers can also get their credit scores as part of purchasing either credit monitoring or identity theft protection services. And here’s the problem—the credit score consumers receive is not the same credit score lenders receive when evaluating an application for credit.

    The Dodd-Frank Wall Street Reform and Consumer Protection Act addressed this discrepancy. The Act requires the newly formed Consumer Financial Protection Bureau to “conduct a study on the nature, range, and size of variations between the credit scores sold to creditors and those sold to consumers by consumer reporting agencies that compile and maintain files on consumers on a nationwide basis… and whether such variations disadvantage consumers.”

    Last month, the CPFB released its first report on the differences between credit scores sold to creditors and scores sold to consumers. And the conclusion was eye-opening: “When a consumer purchases a score from a [credit reporting agency], it is likely that the credit score that the consumer receives will not be the same score as that purchased and used by a lender to whom the consumer applies for a loan.”

    There are several potential reasons why scores may vary:

    1. Educational Scores: The scores consumers purchase are often what the CFPB calls “educational scores.” While these scores may provide consumers with some indication of how potential lenders will view their credit worthiness, educational scores vary from the industry standard FICO score.

    2. Industry Scores: Even if a consumer purchases his or her FICO credit score, it may vary from industry specific FICO scores. Not all FICO scores are the same, and certain industries (e.g. auto and home loans) use variations of the FICO scoring formula designed specifically for those industries.

    3. Custom Scores: As if educational and industry scores were not confusing enough, some of the larger industries use custom formulas specific to their business. These scores typically start with a FICO score, and then make adjustments to the score based on a proprietary scoring formula known only to that company.

    4. Credit Reporting Agency Variations: The three major credit reporting agencies generally have different information on file for each individual in their databases. As a result, even if the same scoring formula were applied to the data on file, the credit reporting agencies would typically generate different credit scores based on the information they have on file. As a result, a consumer purchased credit score would likely vary from what a lender sees if the scores are generated from different credit reporting agencies.

    So just how big is the difference in scores? It’s that questions that the CFPB is studying. In conjunction with the credit reporting agencies, the CFPB is conducting a study to determine the scope of the variances between credit scores provided to consumers and those provided to lenders.

    To undertake this study, each of the three national credit reporting agencies will provide data on 200,000 consumers to the CFPB. The data will not include any information that could identify the consumer files selected for the study. According to the CFPB report, the “purpose of the data analysis will be to determine with greater precision and understanding the nature, range, and size of variations between the credit scores most frequently sold to creditors and those most frequently sold to consumers.”

    For now, however, consumers will have to accept that there is no “true” credit score. In fact, given educational scores, industry scores, custom scores, and variances in credit history among the three national credit reporting agencies, most consumers likely have many credit scores. And while educational scores can provide insight into the credit worthiness of a consumer, it’s best to take the score with a healthy grain of salt.

    DR is the founder of the popular personal finance blog, the Dough Roller , and author of 99 Painless Ways to Save Money .

    Corrected on 8/22/11: A previous version of this story misidentified the Consumer Financial Protection Bureau .





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    The Best Prepaid Debit Cards of 2016 #ford #credit #payment

    #reloadable credit cards
    #

    Prepaid Debit Cards Review

    by Eli McCormick

    The top performers in our review are Mango. the Gold Award winner; Kaiku. the Silver Award winner; and NetSpend , the Bronze Award winner. Here s more on choosing a prepaid debit card to meet your needs, along with detail on how we arrived at our ranking of these debit cards.

    A prepaid debit card is a debit card that you load with a set amount of money. It is not connected to a bank, but prepaid debit cards are partnered with major credit card companies, such as Visa and Mastercard, so you can spend your money anywhere that major credit cards are accepted.

    A reloadable debit card is a good option if you are looking to regulate your spending or manage your debt. Because there is a maximum balance and you control how much money you put on your card, you can never spend more than you have. They are also a good option if you want to give your children access to money but don’t want them to have a credit card.

    Prepaid debit cards are an option if you are unable to open a checking account or want to avoid bank fees. It is also an option if you want to avoid a high fee checking account. These cards do have fees of their own that you should be aware of. It’s also important to note that these debit cards have no effect, for good or ill, on your credit rating. For more information, please visit our learning center where you will find additional articles about prepaid debit cards .

    Prepaid Debit Cards: What to Look For

    Unlike regular debit cards, prepaid debit cards have no banks involved with them and are linked with credit cards companies and so can be used wherever you could use a credit card. There’s no interest with these cards, since you don’t have to pay anything back, but there are fees and charges. When evaluating these cards, we examined the fees as well as other features they offer.

    Prepaid debit cards include a variety of fees and costs. These include monthly service fees and fees for receiving paper statements. Some cards will waive the monthly fee if you make a certain number of transactions with the card each month.

    Prepaid debit cards can be used at ATMs, but the debit card provider often charges fees in addition to those charged by the ATMs. These include fees for withdrawing cash and finding out what your balance is. Some prepaid debit cards are part of ATM networks and have no fees if you use those ATMs. It’s important to be aware of these fees when signing up for a prepaid debit card. Most card providers include a fee schedule in the user agreements they post online.

    In addition to the basic functions of providing an alternative to paying with cash, many of the prepaid debit cards we reviewed had a variety of other features that made them stand out. All the cards we reviewed had basic features, such as online account management, text alerts and not having any credit checks. Many of the debit cards we reviewed also have smartphone apps that allow you to better monitor your account. The best of these prepaid debit cards contain features that make them a more versatile financial product. These features include savings accounts and rewards programs.

    Funding Options

    When you receive a prepaid debit card, it’s important to know what options you have for adding money to your account and what your daily deposit and spending limits are. All of the cards we reviewed allow you to have your paychecks directly deposited into your account, but other methods of adding funds varied from card to card.

    It’s important that you know what your card’s maximum balance is and also what limits there are on how much you can deposit and withdraw. These limits are usually spelled out in the card’s customer agreement, so it’s a good idea to read through that document before signing up for the card.

    Help Support





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    List Of Unsecured Credit Cards For Bad Credit #credit #rating #scores

    #unsecured credit cards for bad credit
    #

    List Of Unsecured Credit Cards For Bad Credit

    Credit Cards For Bad Credit

    June 29, 2012PRLog — Bad Credit MD, a free On-line information guide that helps people that have bad credit in the United States, Canada, Ireland, United Kingdom, India, South Africa, Australia, and New Zealand has compiled a list of financial institutions that are currently offering unsecured credit cards to people with bad credit. This detailed list can be viewed at http://www.badcreditmd.com/ unsecured-credit- cards/.

    The company believes that it is important for people with no credit or bad credit that currently

    have no open credit cards start to establish or re-establish a good track record of making payments on time. They also said that paying the account on time each month can help qualify consumers for a future automobile loan or home mortgage and could even help them land a new job.

    Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.





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    Summary Of The Fair Credit Reporting Act #how #do #i #get #a #free #credit #report

    #fair credit reporting
    #

    A Summary of Your Rights Under the Fair Credit Reporting Act

    The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W. Washington, DC 20552.

    • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.
    • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
      • a person has taken adverse action against you because of information in your credit report;
      • you are the victim of identify theft and place a fraud alert in your file;
      • your file contains inaccurate information as a result of fraud;
      • you are on public assistance;
      • you are unemployed but expect to apply for employment within 60 days.

    In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.

    • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
    • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
    • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
    • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
    • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
    • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore .
    • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
    • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
    • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore .

    States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:





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    State of Delaware – Office of the State Bank Commissioner – Free Credit Reports #easy #approval #credit #cards

    #freecredit report
    #

    Free Credit Reports

    On September 1, 2005, as a result of an Act passed by Congress, Delaware residents became eligible to receive a free credit report from all three credit reporting agencies: Equifax, Transunion and Experian. The site created for requesting a free credit report from the three agencies is www.annualcreditreport.com. You may request your free credit report on line or by calling toll free 877-322-8228. You may also download the free credit report form (requires adobe reader) and mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

    A credit report is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service. Credit reporting information is used by the agencies to provide a score that estimates the risk a company incurs by lending money or providing a customer with a service. Generally, the higher the score, the less risk the person represents. Checking your credit report and evaluating the various components of the report is an important tool you as a consumer can use to understand your financial history and improve your score. While the law allows for one free credit report from each of the three agencies every year, the package does not include your actual credit score. The free credit report is important for avoiding identity theft and as a way to check for errors on your report.

    Another question some residents have asked is whether it is better to order all three credit reports at once or space them out during the year. On the one hand, if you have never seen your credit report it may be wise to get a look at all three and review for any errors. On the other hand, if you have seen your report or if your credit is very strong, you may want to order one report from one agency and then come back in three or four months and order from another.

    One final reminder: asking for a report directly from a credit bureau never hurts your credit score. Each resident in Delaware gets three free credit reports each year at no penalty to your credit score.

    Brochures on Identity Theft

    A brochure from the Federal Trade Commission entitled Stop Think and Click (available in English and Spanish ) highlights seven practices for safe computing. The brochure also focuses on a web site called onguardonline.gov. which provides practical tips from the federal government and the technology industry to help you be on guard against internet fraud. Here are links to the top five web sites consumers can use to fight identity theft.





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    Quicken – Support – Terms of Service, Credit Score Supplemental #credit #cards #to #rebuild #credit

    #credit score for free
    #

    SUPPLEMENTAL END USER SOFTWARE LICENSE AGREEMENT TERMS

    These supplemental Terms of Use ( Terms ) are part of an agreement between the below-named Member ( Member or you or your ) and Intuit Inc. ( Intuit or we or us ).

    You have agreed to the terms and conditions of the Quicken End User Software License Agreement and now wish to enroll in the Quicken Credit Score. These Terms supplement the Quicken.com Terms of Use collectively, the Agreement which remain in full force and effect and apply to these Services.

    Subject to the terms of the Agreement, Intuit will provide the Quicken Credit Score and Monitoring Services ( Services ) to you. By clicking I AGREE, you indicate that you understand and agree to the Agreement s terms. If you do not agree the Agreement s terms, you will not be able to access or use the Services. Your continued use of Services constitutes your continued acceptance of these Terms.

    1. DESCRIPTION OF THE SERVICES

    The Services provide you with information and interactive tools which may help you manage your personal finances. These Services you select may include your credit report, credit score, monitoring or alert services, tools to help you better understand your options, suggestions, tips and other educational materials, and information about products and services that might be of interest to you. Services will be provided via our website, including via mobile applications, where available. Some Services will be provided through our third party processing agent, Equifax Information Services, LLC ( Processing Agent ). You may select from two types of Services, with features described below.

    (a) Quicken Free Credit Score Services The Quicken Free Credit Score Services is a free version of the Services available to Quicken customers. This service includes the following:

    • Quarterly single-bureau credit score with periodic updates and tracking as described on the website. The credit score provided to you is an Equifax credit score, based on a proprietary credit model developed by Equifax, which may use information in your Equifax, Experian and TransUnion credit files.

    (b) Quicken Paid Credit Score Services

    • Potentially key factors affecting individual users’ credit scores, credit score comparison to national norms and simulators to understand how specific actions might affect individual users’ credit scores.
    • Overview of the Credit Score Factors, educational content explaining which data items might affect your credit score.

    (c) Additional Quicken Credit Products

    Additional Quicken credit products may be made available to you on our website. Please review the specific features and associated fees before you purchase. Intuit does not guarantee that you will receive your free credit report information via the Services. You must satisfy our eligibility requirements. You may obtain your own report without the use of the Services. You have the right to a free credit report from AnnualCreditReport.com or (877) 322-8228, the ONLY authorized source under Federal law

    2. AUTHORIZATION

    You must be at least 18 years of age to use these Services, and you must be the subject of the credit report that you are seeking. You hereby authorize Intuit to do all of the following in connection with providing you the Services: (i) verify your identity and share with our Processing Agent certain non-public personal information about You, including Your Social Security Number; (ii) request and obtain your consumer credit report, including your score from our Processing Agent throughout the term in which we provide you the Services; such request constitutes written instructions in accordance with the Fair Credit Reporting Act ( FCRA ) and (iii) use and retain your credit information, along with the other information you have given us access to under the Agreement, to provide the Services and use with other Intuit services that include substantially similar functionalities as these Services. You agree that we may use and analyze your information as follows: (a) present you an overview of your credit profile including detailed information where available; (b) provide you with customized recommendations and general information about you; and (c) and other communication based on your information. Intuit may send you information via email, text or online display or other means of delivery in Intuit s reasonable sole discretion. We may also aggregate and evaluate your information to do statistical analysis to provide historical or comparative information and to improve Intuit products and services. We will obtain your prior consent if we use your identifying information for any other purpose not expressly permitted under these Terms. Please refer to Section 8 below for more information, including a link to our Privacy Policy.

    3. RESTRICTIONS

    You agree to provide true, accurate and current information. It is a violation of federal criminal laws to knowingly or willfully obtain information from a consumer reporting agency under false pretenses. You agree not to do any of the following: (i) violate any applicable local, state, national or international law, or any regulations having the force of law; (ii) further or promote any criminal activity or enterprise or provide instructional information about illegal activities; or (iii) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Services.

    Unless terminated earlier pursuant to the terms and conditions of the Agreement, the term of the Credit Monitor Product or Service you selected will continue for the period of time specified on Intuit’s website. Credit Monitor Products or Services may be valid for a limited term from the date of purchase, may only provide one-time credit information, or may retain your credit information for a limited term.

    5. CANCELLATION AND REFUND POLICY

    You may cancel your Credit Monitor Service membership at any time by calling customer service 1-866-373-7830 or at number identified on our website.

    (a) Monthly subscriptions: If you cancel a monthly subscription, you will continue to have access to the Credit Monitor Service until the end of the monthly period during which you canceled, at which point your access to the Services will cease. No refunds or credits will be issued.

    (b) Annual subscriptions: If You cancel an annual subscription you will continue to have access to Your Services until the end of the monthly period during which you canceled. You will receive a prorated refund for the amount outstanding. Furthermore, refunds or credits are not available for products that are charged a one-time fee.

    6. CUSTOMER SUPPORT

    Customer support will vary depending on the Services. Please refer to the Services website for information. For questions regarding your credit score or credit report, please contact the Processing Agent directly at https://www.ai.equifax.com. YOU UNDERSTAND AND AGREE THAT THE SERVICES DO NOT INCLUDE THE PLACING OF FRAUD ALERTS WITH ANY CONSUMER REPORTING AGENCIES. YOU MUST CONTACT THE CONSUMER REPORTING AGENCIES DIRECTLY IF YOU SUSPECT ANY FRAUD ACTIVITY.

    7. INTUIT IS NOT A CREDIT REPAIR COMPANY, CREDIT REPORTING AGENCY, BROKER OR ADVISOR

    (a) You acknowledge that Intuit is not a credit repair company or similarly regulated organization under applicable laws, and does not provide credit repair services. Where available, recommendations, tips and education materials are provided to you at no additional charge. The Services are intended to provide you with general information and assist you with identifying your options. The information is provided only to enable you to make your own choices about your personal finance, and is not intended to provide, legal, tax or financial advice. We do not provide any services to repair or improve your credit profile or score, nor do we provide any representation that the information we provide will actually repair or improve your profile. Consult the services of a competent professional when you need any type of this assistance.

    (b) You acknowledge that Intuit is not a “consumer reporting agency” as that term is defined in the Fair Credit Reporting Act as amended.

    (c) We reserve the right to consider, ignore, emphasize, or de-emphasize any relevant factors in our sole discretion to provide you offers about other products and services. We do not guarantee that you will receive offers or that you are will be approved for any particular types of products or services through your use of the Services. You are under no obligation to use any of the information provided through the Services. If you are interested in a product or service advertised via the Services, you must apply directly with the third party provider; their terms and conditions may apply. Intuit is not responsible for third party providers and their products and services.





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    Seven Types of Loans #loans #without #credit #check

    #credit loans
    #

    Seven Types of Loans

    By LaToya Irby. Credit/Debt Management Expert

    Welcome to About.com s Credit/Debt Management site, led by your guide, LaToya Irby. LaToya has been the credit and debt management guide since 2007. Read more

    There are many different types of loans you can take out. When you’re looking to borrow money, it’s important that you know your options.

    Open-Ended and Closed-Ended Loans

    As you make payments, your available increases allowing you to use the same credit over and over.

    Closed-ended loans cannot be borrowed once they’ve been repaid. As you make payments on closed-ended loans, the balance of the loan goes down. However, you don’t have any available credit you can use on closed-ended loans. Instead, if you need to borrow more money, you’d have to apply for another loan. Common types of closed-ended loans include mortgage loans, auto loans, and student loans .

    Secured and Unsecured Loans

    Secured loans are loans that rely on an asset as collateral for the loan.

    Unsecured loans don’t have asset for collateral. These loans may be more difficult to get and have higher interest rates. Unsecured loans rely solely on your credit history and your income to qualify you for the loan. If you default on an unsecured loan, the lender has to exhaust collection options including debt collectors and lawsuit to recover the loan.

    Continue Reading Below

    Conventional Loans

    When it comes to mortgage loans, another term “conventional loan” is often used. Conventional loans are those that aren’t insured by a government agency like the Federal Housing Administration (FHA), Rural Housing Service (RHS), or the Veterans Administration (VA). Conventional loans may be conforming, meaning they follow the guidelines set forth by Fannie Mae and Freddie Mac. Non-conforming loans don’t meet Fannie and Freddie qualifications.

    Loans to Avoid

    Advance-fee loans aren’t really loans at all. In fact, they’re simply scams to get money from you. Advance-fee loans use different tactics to convince borrowers to send money to obtain the loan. Once the money is sent (usually wired), the “lender” typically disappears without ever sending the loan.





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    Principles for the Management of Credit Risk – consultative document #credit #ratings

    #credit risk management
    #

    Principles for the Management of Credit Risk – consultative document

    Introduction

    1. While financial institutions have faced difficulties over the years for a multitude of reasons, the major cause of serious banking problems continues to be directly related to lax credit standards for borrowers and counterparties, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to a deterioration in the credit standing of a bank’s counterparties. This experience is common in both G-10 and non-G-10 countries.

    2. Credit risk is most simply defined as the potential that a bank borrower or counterparty will fail to meet its obligations in accordance with agreed terms. The goal of credit risk management is to maximise a bank’s risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or transactions. Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a critical component of a comprehensive approach to risk management and essential to the long-term success of any banking organisation.

    3. For most banks, loans are the largest and most obvious source of credit risk; however, other sources of credit risk exist throughout the activities of a bank, including in the banking book and in the trading book, and both on and off the balance sheet. Banks are increasingly facing credit risk (or counterparty risk) in various financial instruments other than loans, including acceptances, interbank transactions, trade financing, foreign exchange transactions, financial futures, swaps, bonds, equities, options, and in the extension of commitments and guarantees, and the settlement of transactions.

    4. Since exposure to credit risk continues to be the leading source of problems in banks world-wide, banks and their supervisors should be able to draw useful lessons from past experiences. Banks should now have a keen awareness of the need to identify, measure, monitor and control credit risk as well as to determine that they hold adequate capital against these risks and that they are adequately compensated for risks incurred. The Basel Committee is issuing this document in order to encourage banking supervisors globally to promote sound practices for managing credit risk. Although the principles contained in this paper are most clearly applicable to the business of lending, they should be applied to all activities where credit risk is present.

    5. The sound practices set out in this document specifically address the following areas: (i) establishing an appropriate credit risk environment; (ii) operating under a sound credit-granting process; (iii) maintaining an appropriate credit administration, measurement and monitoring process; and (iv) ensuring adequate controls over credit risk. Although specific credit risk management practices may differ among banks depending upon the nature and complexity of their credit activities, a comprehensive credit risk management program will address these four areas. These practices should also be applied in conjunction with sound practices related to the assessment of asset quality, the adequacy of provisions and reserves, and the disclosure of credit risk, all of which have been addressed in other recent Basel Committee documents.

    6. While the exact approach chosen by individual supervisors will depend on a host of factors, including their on-site and off-site supervisory techniques and the degree to which external auditors are also used in the supervisory function, all members of the Basel Committee agree that the principles set out in this paper should be used in evaluating a bank’s credit risk management system. Supervisory expectations for the credit risk management approach used by individual banks should be commensurate with the scope and sophistication of the bank’s activities. For smaller or less sophisticated banks, supervisors need to determine that the credit risk management approach used is sufficient for their activities and that they have instilled sufficient risk-return discipline in their credit risk management processes.

    7. The Committee stipulates in Sections II through VI of the paper, principles for banking supervisory authorities to apply in assessing bank’s credit risk management systems. In addition, the appendix provides an overview of credit problems commonly seen by supervisors.

    8. A further particular instance of credit risk relates to the process of settling financial transactions. If one side of a transaction is settled but the other fails, a loss may be incurred that is equal to the principal amount of the transaction. Even if one party is simply late in settling, then the other party may incur a loss relating to missed investment opportunities. Settlement risk (i.e. the risk that the completion or settlement of a financial transaction will fail to take place as expected) thus includes elements of liquidity, market, operational and reputational risk as well as credit risk. The level of risk is determined by the particular arrangements for settlement. Factors in such arrangements that have a bearing on credit risk include: the timing of the exchange of value; payment/settlement finality; and the role of intermediaries and clearing houses.

    Invitation to comment

    The Basel Committee is issuing this paper for consultation. Comments should be submitted no later than 30 November 1999. The Committee intends to release a final version of the paper once all comments have been considered. Comments should be sent to:

    Basel Committee on Banking Supervision

    Attention: Mr William Coen

    Bank for International Settlements

    CH-4002 Basel, Switzerland





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    PSECU – Business Lines of Credit #credit #score #report #free

    #lines of credit
    #

    Business Lines of Credit

    Apply

    Provide your business with ready cash for short-term business funding needs – increasing inventory, providing seasonal cash flow or taking advantage of unexpected savings opportunities.

    Choose Secured Line of Credit using your real estate as collateral or Unsecured Line of Credit .

    Secured Line Of Credit

    Collateral is required. This is an open-ended loan. Borrower may pay costs for third party verifications as necessary. LINES IN PERSONAL NAME(S). Borrow up to 80% of the appraised value, less any liens on the property being mortgaged. PSECU must be first or second lien holder. Minimum line amount $5,000. Interest only payment based on 10-year repayment. At the end of the fixed term, the balance will be due or may be refinanced for additional funds of $5,000 or more. A current personally titled residence, vacation home or investment (rental) property that is located within Pennsylvania may be used as collateral. Check with a qualified tax advisor to determine if the interest may be tax deductible. LINES IN BUSINESS NAME. Borrow up to 80% of the appraised value on loan amounts from $5,000 to $100,000. Borrow up to 70% of the appraised value on loan amounts greater than $100,000. PSECU must be first lien holder. Minimum line amount $5,000. Interest only payment based on 10-year prepayment. At the end of the fixed term, the balance will be due or may be refinanced for additional funds of $5,000 or more. A current residence, vacation home, or 1-4 unit investment (rental) property, mixed-use property or agricultural property that is located within Pennsylvania may be used as collateral. Check with a qualified tax advisor to determine if the interest may be tax deductible.

    Unsecured Line Of Credit

    No collateral is required for this open-end loan. Minimum line amount $5,000. Maximum line amount $50,000. Interest-only payment based on 10-year repayment term. At the end of the fixed term, the balance will be due or may be refinanced.

    Important Information About Business Lines Of Credit: For Sole Proprietors, the interest rate may vary monthly and the interest rate assigned may vary from 0 percent to 0.5 percent added to the prime rate as published in the Wall Street Journal on the last day of the month prior to the most recent full calendar month. For LLCs, Corporations, and Limited Partnerships, the interest rate may vary monthly and the interest rate assigned will vary from 0.5 percent to 1.5 percent added to the prime rate as published in the Wall Street Journal on the last day of the month prior to the most recent full calendar month. The maximum Annual Percentage Rate is 18 percent. The minimum Annual Percentage Rate is 3 percent.

    PSECU requires a payment each month a payment is due. The due date for lines of credit is the 16th of the month. If you make your scheduled, current billed payment on or before the 16th of the month, the payment will be applied to the interest billed and due. If you make your payment as billed, on or before the 16th of the month, and, make any additional payments before the 1st of the next month, that amount will be applied to the principal balance on the line of credit. A payment will be due on the 16th of the next month for the interest due, as scheduled.

    Business loans are available to businesses located within the State of Pennsylvania ONLY.

    Close

    Get a Business Line of Credit

    Current PSECU Business Account Owners, apply for a Business Line of Credit .





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    Personal Line of Credit: Secured Credit Line #car #finance #with #bad #credit

    #line of credit
    #

    Personal Line of Credit

    For everything from the everyday to the extraordinary

    A TD Canada Trust Line of Credit gives you access to the funds you need, when you need them. It can be used to finance anything from everyday purchases like gas, groceries and clothing to large ones like a new car or electronics. Our Line of Credit gives you automatic access to funds whenever and wherever you want them – up to $50,000.

    A Line of Credit also gives you competitive interest rates and a flexible financial option that puts you in control.

    A TD Canada Trust Personal Line of Credit can also be a great choice if you’ve planned to supplement your home’s power sources with renewable energy.

    Apply for a personal line of credit and gain the credit you need to finance your goals.

    More flexibility. More control.

    Instant access to your money
    • Make cash withdrawals at TD Canada Trust bank branches
    • Add your Line of Credit to your TD Canada Trust Access Card and use it at merchants and automated banking machines (ABMs) worldwide 2
    • Transfer funds to and from your Line of Credit using EasyLine telephone banking or EasyWeb Internet banking
    • Write a Line of Credit cheque, free to order and no additional fee to write
    Competitive interest rate options
    • Competitive variable rates based on TD Prime Rates
    • Transfer balances from high interest credit cards to your line of credit with a Balance of Account Transfer (BOAT)

    Use the Fixed Rate Advantage Option at any time to lock in all or a portion (subject to minimums) of your credits balance at a fixed interest rate with fixed payments

    • Online, by phone or at Green Machine ABMs
    • Review account status and recent transactions with detailed monthly statements
    • Transfer balances to and from other TD Canada Trust accounts
    • Make your monthly payments in a branch, at the ABM or even online

    Get your official account statements online today!

    Online Statements are now available through EasyWeb. Like paper statements, these documents are acceptable for tax and legal purposes and can be saved to your computer or accessed on our secure site for up to 7 years going back to January 2010 and onwards. Sign up for or Log into EasyWeb to turn off paper statements today!

    Use your home’s equity to get lower rates, higher credit and added payment flexibility.

    With a conventional HELOC. you can utilize up to 80% of the equity in your home and make monthly payments of as little as interest only.

    Peace of mind for pennies a day.

    Line of Credit Critical Illness and Life Insurance can help your family and estate avoid debt by paying the outstanding balance on your TD Canada Trust Line of Credit.

    You only pay for the amount of insurance you need, based on your average daily TD Canada Trust Line of Credit balance. If there’s no balance, there’s no charge.





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    Lines of Credit – Educators Financial Group #sears #credit #card

    #lines of credit
    #

    Lines of Credit

    Juggling student loans, credit cards, and other debts and daily expenses can sometimes feel overwhelming. But it doesn’t have to be. Working with the education community since 1975, Educators Financial Group has a trusted history of providing financial solutions to help teachers and educational workers lighten their debt load.

    Consolidating your high-interest debts into one low-rate line of credit through Educators Financial Group has the potential to save you thousands of dollars in interest!

    With no fees to set up, and a maximum borrowing amount of $50,000, the unsecured option is perfect for those looking to consolidate multiple high-interest credit cards/loans into one low-interest option. Minimum monthly payment is based on a pre-set payment plan over a 5-year term. While a little higher than the secured rate, the unsecured rate still equals big savings when compared to department store and most big bank credit cards and lines of credit. As of today our Unsecured Line of Credit rate is 3.85%.

    This option provides you with the benefit of the highest credit limit available to you; based on the security of equity in your home (up to 80% of its value), interest-only payments monthly, and a lower interest rate than you would get from the unsecured line. As of today, our Secured Line of Credit rate is 2.85%.





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    List of Credit Card Companies: The Top 10 for 2015 #low #interest #credit #card

    #credit card companies
    #

    List of Credit Card Companies: My Top 10 for 2015

    by CreditCardGuru

    With a new year upon us, it’s always a good idea to whip out the wallet and see if there are any cards which should be added (or subtracted) from it. Credit card companies are always changing – either for the better or for the worst – and here are my thoughts on who the 10 best currently are.

    Chase has always been a good company, but they’ve really improved their performance the past 3-4 years. Several new product launches AND major improvements to their rewards/benefits. Here are the top 3 reasons I am placing them at the top of my list right now.

    • Caters to the most people. Cash back? Travel rewards? Balance transfers? They do it all.
    • Large selection of cards. Between all them (both their own and co-branded) they have over two dozen. During the past year their most popular have been (1) Freedom (2) Sapphire Preferred (3) Slate .
    • Rich travel rewards. AmEx used to dominate this space, but with Chase’s latest improvements to the Sapphire Preferred and airline cards, they’re now tied with AmEx.
    • Excellent customer service. In the mid ‘00s they were only average, but now they stand out from the crowd. I have several of their cards and during the past couple years whenever I’ve called, I’ve gotten a well-trained and helpful US-based customer service reps.

    Based on their purchase volume (amount spent by their cardholders) Chase rose to be ranked as the #1 largest issuer in the US, with a 17% marketshare at mid-year 2014 according to The Nilson Report .

    2. American Express

    AmEx isn’t for everyone. All of their cards require excellent credit and they don’t do balance transfer deals, making them less attractive to anyone who carries a balance. But if you’re after cash back and travel perks, consider one (or a couple, like I currently have).

    • Best for travel benefits. Depending on which airlines you fly, sometimes the travel rewards from Chase will be better. But when it comes to travel benefits, it’s hard to beat what AmEx gives you.
    • Purchase protection and extended warranty. This benefit (with different names) is found on AmEx as well as other credit cards. However, I find that AmEx has the most consumer-friendly policies for these.
    • Lucrative rewards on most cards. Not all of their cards are a home run, but ones like the Blue Cash Preferred and Gold Delta SkyMiles are just too good to pass up.
    • Legendary customer service. Not much to say here, their reputation speaks for itself.

    Because their customers tend to be more affluent, did you know that American Express has the highest marketshare (based on purchase volume) among US credit card companies? 25% of the money spent on credit cards is spent with AmEx cards.

    3. Discover

    They’ve come a long ways in a short time. Here’s why I have one and think you should to:

    • Now over a 90% acceptance rate. This isn’t the Discover of the past. Now they are accepted by over 90% of US merchants who take credit cards.
    • Up to 5% cash back. The rewards on non-category spending is 1%, but for the categories you can earn 5% cash back!
    • 100% US-based customer service. Their credit cards only use US call centers.

    Beginning in 2013 they consolidated their cards and now only offer one, which is the Discover it. I use it myself. Go here to check it out. It is also available in a version for students .

    4. Capital One

    Capital One has made huge strides over the last several years:

    • Lucrative rewards. Their Venture is one of the most popular on CreditCardForum.
    • Different types of cards. From secured to travel rewards, they have ‘em.
    • Wide acceptance. Since they issue Visa and MasterCards, they have better acceptance than Discover and AmEx.

    Their marketshare is just just over 9%.

    Citi recently came out with its Double Cash card, which earns them an honorable mention on this year s list. If they keep this product around they may even climb higher, but Citi s been known to dilute their reward programs after the fact when things seem to good to be true.

    • 0% offers. In this category, Citi consistently ranks well for having good deals.

    Citi’s marketshare is around 12%.

    6. US Bank

    This is the second time I’ve them on my top 10 list. Why? Because they finally gotten competitive with their rewards and have continued to enhance their offerings.

    • Issues one of the best cashback cards. The recently launched US Bank Cash+ was one of most talked about cash back programs on CreditCardForum last year.
    • Their travel card is competitive. For the right type of spender, the FlexPerks Travel Rewards is the best in class.

    Their marketshare is listed at 4%.

    If you’re not familiar with USAA, they are a financial services company that caters to those in the military (as well as their families).

    • Low standard APRs. Some of their rewards are a disappointment. but the standard (non-promotional) interest rates found on their credit cards are among the lowest you out there.
    • Military benefits. A couple of their cards give you special perks while you are deployed (1) reduced interest rates for up to a year, (2) no foreign transaction fees while deployed, (3) some finance charges during deployment will be rebated.

    USAA has a market share of only 1.5%.

    8. Barclaycard

    Barclays is a European company, but they issue several credit cards in the US.

    • Niche airline cards. Barclays manages the cards for a few specialty carriers like Virgin America and Frontier.
    • Low or no annual fees. This is unusual for airline cards, but that’s the way they do it.

    Their market share is around 2%.

    9. First National Bank of Omaha (FNBO)

    Don’t be fooled, they’re not just for people who live in Nebraska. FNBO cards available from coast to coast.

    • Competitive rewards. Two of their cards offer above-average rewards.
    • Good customer service. When I wrote a review about them and called customer service to ask questions, the rep was helpful and US based.

    They’re among the top 15 largest US issuers, however their exact market share hasn’t been published recently. But by my calculations, it’s probably around 1.5%.

    10. Bank of America

    They re among the 5 largest credit card companies on this list.

    • Rewards are a mixed bag. Some of their cards use WorldPoints and as you can read about here. they’re redemption value can be low. However some of BofA’s cash back cards are respectable.
    • Decent 0% offers. Are they the longest on the market? Definitely not. But they’re not the worst I’ve seen either.

    BofA’s market share is around 14%.

    Why aren’t Visa and MasterCard on the list?

    They are only payment networks which are used to process transactions. This is why they are not listed, because they don’t issue cards. You can get Visa/MCs thru most banks, including many on the above list.

    Written or last updated January 23, 2015





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    Lines of credit #starter #credit #cards

    #lines of credit
    #

    Term Loans and Lines of Credit

    Flexible Credit Solutions

    MANAGE BILLS ONLINE

    Deposit and loan products are offered by Associated Bank, N.A. Member FDIC, Equal Opportunity Lender and Equal Housing Lender. Loans subject to credit review. Associated Banc-Corp and its affiliates do not give tax or legal advice. Consult with your tax and/or legal advisor for information specific to your situation.

    Non-deposit investment products, insurance, and securities are NOT deposits or obligations of, insured or guaranteed by Associated Bank, N.A. or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE.

    Associated Bank has over 200 locations throughout Illinois, Minnesota and Wisconsin. Find a location near you. Have a question? Contact Customer Care seven days a week, 24 hours a day, 365 days a year at 800-236-8866. Commercial Banking clients can call our dedicated customer care line at 800-728-3501.

    Associated Banc-Corp All Rights Reserved.





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    How to Get a Business Line of Credit #apply #for #credit #card #with #no #credit #history

    #line of credit
    #

    How to Get a Business Line of Credit

    Hi there, you can call me Scott. I’m Director, Client Solutions at Momentum Factor and I’m based in Austin, Texas Area.

    As a result of seasonal credit demands, entrepreneurs frequently encounter difficulties managing their cash flow. This is especially true of business startups during their early stages of development when they have not diversified enough to generate a constant positive cash flow. Once inventory has been purchased, it’s necessary to ride out the cycle until accounts receivable have been collected. Without sufficient working capital, a serious cash flow problem could develop. These types of cash flow problems have forced many entrepreneurs to close down businesses that were making money on paper, but just ran out of cash.

    Lines of credit accommodate the seasonal credit demands of your business along with ups and downs in your cash flow. They also enable you to purchase inventory in anticipation of future sales. Discuss establishing a line of credit with your bank at the beginning of your relationship. If you are just starting your business, the bank will probably not grant a credit line immediately.

    A line of credit is a standard service provided by many banks that serve small businesses. Getting the loan approved depends on the business’s ability to repay and/or the personal assets of the owner — for example, a second mortgage on a home, assignment of stocks and bonds, or assignment of the cash value of life insurance policies.

    Banks will extend a secured line of credit to most startup ventures once the business is operational. The line may be unsecured if the business can demonstrate consistent earnings, an excellent capital position, and multiple sources of repayment. Traditionally, banks will commit a specified maximum amount of funds from which you are permitted to draw on as needed. You have the right to repay and re-borrow during the agreed-on time, which usually will not exceed a year. You pay interest only on the outstanding principal (the primary benefit of a line of credit versus a conventional loan).

    In addition, the bank needs to know how you will repay the line when your first source of repayment does not come through. Bankers look for enough elasticity in your operations to accommodate temporary reversals in adverse situations. What happens when you discover that your inventory is not selling as projected? What secondary sources of repayment are available?

    Banks may also require you to pay down your line of credit when you have not followed your payment schedule, even though the total amount of money that you borrowed is not due for several more months. Banks do not like to approve lines of credit for use in managing cash flow. Instead, lines of credit are intended for cyclical borrowing needs at identified pay-down intervals. A failure to pay back the money on schedule indicates a potential problem in your ability to manage cash.

    Smart Tips for Establishing a Line of Credit

    The bank will mostly likely require the owner’s personal guarantee of repayment in order to issue a line of credit to a new venture. If your personal credit is poor, you may have a difficult time getting conventional financing until your company has a demonstrated history of positive cash flow.

    If your business is relatively new and the bank is not satisfied with the primary and secondary sources of repayment, it may ask for personal collateral from you to secure the loan.

    If the venture is a partnership or corporation with more than one principal, the bank will most likely collateralize the loan from all the principals involved to obtain a line of credit.

    As with any loan, you must present reasonable financial documents that follow standard accounting practices to obtain a line of credit.

    Unless you are a well-established business, you must provide pro forma cash flow documents that demonstrate your ability to pay back the money. Pro forma balance sheets and income statements will also be required.

    If you are able to successfully establish a line of credit, use it wisely. It may be tempting to spend it because it’s available, but that money comes at a price; if you use it for non-essentials or for capital expenditures rather than just cash flow stability, you may find it unavailable when you need it. Understand where a line of credit fits in your financial strategy and stick to it.

    Scott Social Media Allen is a 25-year veteran technology entrepreneur, executive and consultant. He s coauthor of The Virtual Handshake: Opening Doors and Closing Deals Online, the first book on the business use of social media, and The Emergence of The Relationship Economy. His latest venture, NFN8 Media , maintains a growing portfolio of niche content and community sites. He enjoys working with entrepreneurs and serves on the advisory board of several startups.





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    How To Get A Letter Of Credit With Bad Credit #unsecured #credit #cards #to #rebuild #credit

    #letter of credit
    #

    Issues will How to get a letter of credit with bad credit come everyday but to beat this you can t finance answer.

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    Who Started the progress Approach?One of the first activities of your National government ended up being hash out that loan modification program for Ough.

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    Greenville Branch of Guardian Credit Union in Greenville, AL #creditreport

    #guardian credit union
    #

    Greenville Branch of Guardian Credit Union in Greenville, AL

    Routing Number for Guardian in AL

    A routing number is a 9 digit code for identifying a financial institute for the purpose of routing of checks (cheques), fund transfers, direct deposits, e-payments, online payments, etc. to the correct bank branch. Routing numbers are also known as banking routing numbers, routing transit numbers, RTNs, ABA numbers, and sometimes SWIFT codes (although these are quite different from routing numbers as SWIFT codes are solely used for international wire transfers while routing numbers are used for domestic transfers). Routing numbers differ for checking and savings accounts, prepaid cards, IRAs, lines of credit, and wire transfers. Usually all banks have different routing numbers for each state in the US. You can find the routing number for Guardian in AL here.

    ABA Routing Number: Routing numbers are also referred to as “Check Routing Numbers”, “ABA Numbers”, or “Routing Transit Numbers” (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers Association (ABA). This number identifies the financial institution upon which a payment is drawn. Routing numbers may differ depending on where your account was opened and the type of transaction made. Each routing number is unique to a particular bank, large banks may have more than one routing number for different states.

    Fedwire Routing Number: Fedwire Transfer service is the most expedient method for transferring funds between business account and other bank accounts. It is used for domestic or international transactions in which no cash or check exchange is involved, but the account balance is directly debited electronically and the funds are transferred to another account in real time. To complete a wire transfer, the sender must provide his bank name and account number of the recipient, the receiving account number, the city and state of the receiving bank and the bank’s routing number.





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