Top 5 Reasons To Check Your Credit Report Regularly - Credit

Top 5 Reasons To Check Your Credit Report Regularly

#1 Make sure mistakes aren't hurting your credit.

Reviewing your credit report can help you avoid costly errors. In one
recent study, more than 50% of the credit reports checked contained
errors. Other studies have shown similar results with as high as a 70%
error rate. The most common error occurs when the information of another
person, with a similar name or account number, is recorded in your credit
profile.

#2 Track your history of payments.

Potential lenders want to see a history of timely payments before they'll
consider offering you a loan or credit. Check your report to see that your
payments are being reported accurately to the credit reporting agency
(CRA). A history of late payments will result in higher interest rates
being charged or having your credit application or a loan denied. Late
payments will also lower your FICO score.

#3 Protect against potential identity theft.

Identity theft has become the fastest growing crime in our nation.
Identity theft complaints jumped 75% from last year according to a recent
Federal Trade Commission report. The monetary loss from identity theft
crimes skyrocketed to a combined $53 billion in 2002! Accounts that appear
on your credit report that weren't opened by you could be a sign of
identity theft. Report any such occurrences to all three major credit
bureaus immediately and have them place a fraud alert on your account. The
three bureaus can be reached at:

Equifax 800-997-2493 www.equifax.com

TransUnion 800-888-4213 www.transunion.com

Experian 888-397-3742 www.experian.com

#4 Keep your inquiries to a minimum.

Make sure all of the listed inquiries were authorized. If there are
unauthorized inquiries, write to the credit bureau and to the company that
made the inquiry informing them that you did not authorize the inquiry and
to remove it from your credit file. Potential creditors can regard too
many inquiries within a short period of time (30-60 days) as a negative
and can result in the refusal to extend further credit.

#5 Stay on top of your credit without hurting your credit score.

A credit score, also called a FICO score, is a numerical grade given to
each consumer . Your grade or score is an analysis of your credit risk
based on your credit history. Credit scores range from 300 to 900, and
those with scores in the range of 640 to 700 are considered excellent
credit risks. Those with FICO scores below 500 are considered to have the
highest risk of defaulting on a loan and therefore most lenders won't even
consider them. Consumers with higher credit scores receive the best rates
and terms on credit and loans.

© 2004

Author: James H. Dimmitt
jimdim815@aol.com

James is editor of "To Your Credit" a FREE weekly newsletter to help you
manage your personal finances. You can subscribe to his newsletter and
also get a FREE copy of your credit report when you visit:
http://www.yourfreecreditreportnow.com

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If you intend to apply for a loan, you need to obtain your credit score.
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process easier and quicker.
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Credit card balance transfer involves using a credit card to pay off the
amount outstanding on one or more credit/store cards. The total debt then
moves to one card.
Why Does Your Credit Card Rate Keep Going Up?
Have your read your credit card contract through completely? Do you know
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Choosing a Credit Counseling Company
If you have considered credit counseling as an option to your financial
problems, then you are probably wondering how to choose from one of the
many credit counseling companies that are popping up left and right these
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Building A Credit Report Lenders Will Love You For
Will lenders really love you for having a good credit report score? Love
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forget that. But the lender's representative will love dealing with your
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Moving money from credit card to credit card to take advantage of interest
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Have you ever wonder about how to get good credit with spending alot of
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Establishing credit is one of the most important things you can do in
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Here's a dirty secret, today's "non profit credit counselors" are often
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There is a big difference between looking after your own finances while
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Chances are you've gotten your share of offers like this in the mail Bad
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One of the focus areas of my information is the absolute necessity of
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Tips For Getting Your First Credit Card - Credit

Tips For Getting Your First Credit Card

Most of us get a credit card on our name when we go to college or when we
are in our senior years of high school and all of us stumble into the same
types of difficulties when it comes to finding an issuer and managing the
credit card. Most banks ask for a prior type of credit history that most
of the time lacks and for some type of warranty that we will be good
payers. It is true, finding the right issuer and building a credit card
history is not easy, but it can be done.

When you apply for a credit card the bank will usually ask you questions
regarding your previous credit lines. Most young people do not have any
type of credit history and this makes the banks unable to positively
respond to their application.

There are two things that you can do to go around this problem. One is
looking for an issuer with a special offer, as there are many banks that
offer credit cards for people who are just starting their first credit
line. It is true that you will not have an extended credit line at first,
but if you prove to be a good-payer and a loyal customer to the bank, you
are likely to receive more credit line in time.

If, however you cannot find an issuer that will give you a first chance
with credit lines, you will need to build a credit history yourself. You
can do this by getting credit cards from gas stations or from stores.
There are gas stations, as there are supermarkets and department stores,
which offer fidelity credit cards to their customers. Once you become the
owner of such a card, make sure to balance it wisely and after a couple of
months you can re-apply for a bank-issued credit card.

Actually, the most useful tips for those who get their first credit cards
now are not those about how to actually obtain the card but about how to
use it. Some happy card holders hit the shops as soon as they have the
little plastic card and spend much more than they can pay back. The banks
will never like that and there are no exceptions or grace periods only
because you are new.

All late payments count as bad credit and if you make such reckless
spending, you are in danger of having your credit ceased as soon as it was
approved. You will also be considered a "bad" client if you lose your
credit card or if you forget credit card information often. Avoid
carelessness when you deal with money and note down all the information
regarding your card and the transactions you have made with it.

Another good advice that all new card holders should follow is about
owning only one credit card in the beginning. This is a good idea because
it helps you get familiarized with the banking world, the card system and
it is also a test to see if you can balance money. After one year or so,
of good credit history you may apply for a second credit card; however, if
you've had payment problems it is wise to stick to that one single card
until you can correctly manage card-money.

It is always difficult for new-comers to break through in the baking
world, yet with patience and a bit of wits you can become the owner of a
new credit card. The difficult and tricky part begins when you start
balancing it. Keeping records of card information, of the transactions
made with it, remembering never to overspend or delay payments and
generally having a careful and wise banking-attitude will make you a good
client and a satisfied customer at the same time.

This article has been provided courtesy of CreditorWeb. CreditorWeb offers
great credit card articles available for reprint and other tools to help
you find the right credit card. You can also use our credit card
comparison tool to easily compare credit card offers from multiple issuers.

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Credit Card Companies Are Out for Your Money - Credit

Credit Card Companies Are Out for Your Money

You're probably thinking "Tell me something I don't know" but in this time
of low interest rates you might be thinking that you've got a great deal
since credit card interest rates are low. Wrong. Credit card companies
have a cutoff as to how low their interest rates will go.

So when interest rates are low for lending, that doesn't mean your credit
card rate will be low as well. If you don't know, or aren't sure, if your
credit card company has a minimum interest rate just look at the fine
print on your next credit card bill. If you can't read that small of
print, and most of us can't, give the customer service a call. If your
credit card company does have a minimum interest rate then I'd plan to
look around and go with the credit card companies that don't. Because when
the interst rates drop, you should get a break on your credit card rate.

The fixed rate on credit cards actually rose in the last twelve months.
Why? Because the credit card companies have been actually losing money due
to record numbers of delinquencies and bankruptcies. Those who can't pay
now for their purchases in the past are sticking their bill to the rest of
the credit card holders.

So you may think that you want to get that credit card insurance being
pushed by credit card companies that will pay your bill if you become
disabled or unemployed. Not so fast. The average payout on a credit
insurance policy is 30-50%. The National Association of Insurance
Commissions actually recommends a payout of at least 60%. Payouts for debt
cancellation and debt suspension is in the 1-3% range. That's definitely
not worth the premiums. Get enough regular life insurance and disability
insurance to cover your debt as their premiums are much cheaper and have
greater payouts.

Beware of a credit card company trick that I recently ran into. I mailed a
payment a week early but yet was still charged a late fee. Impossible I
say. I found out the payment had to be in the credit card company's
processing center by a certain time on the due date.

Think of my credit card payment making it's way through the mail, to a
P.O. box, then getting picked up, sorted, sent to the processing center,
opened and recorded. And this has to be done by a certain date on the due
date. Ouch. I suggest mailing in your payment at least two weeks early.

About The Author

Christine Breen is the owner of the website www.1stop-creditcards.com
which helps consumers learn about credit cards and find a card to work for
them.

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19,178 Identity Theft Victims Per Day - Are You One Of Them? - Credit

19,178 Identity Theft Victims Per Day - Are You One Of Them?

Identity theft statistics are shocking. And we are told that it will only
become worse, before it gets any better. Are you likely to be affected?

According to recent studies, up to 7,000,000 people become identity theft
victims each year, in the United States alone. That's over 19,000 cases a
day, or 799 cases an hour. Whichever way you look at it, these are
shocking figures. And with more and more people using the Internet, online
banking, and other hi-tech services, things aren't likely to improve any
time soon.

In fact, another research, a survey conducted on behalf of the Federal
Trade Commission recently, tells us that the situation is even worse.
According to the FTC survey report, 4.6% of the US population were
identity fraud victims last year - that's 10 million people.

According to the FTC figures, if someone fraudulently opens a new credit
card or another loan account under your name, on average you can expect
the dollar amount to go to about $10,200. That's just an average amount.

To clean up your name, and your credit rating, you will need to deal with
this experience. You can expect to spend between $500 and $1,200 of your
own hard-earned money cleaning up the mess. You can also expect to invest
between 30 and 60 hours of your time.

The above figures are just cold statistics. They say nothing about the
emotional trauma, through which you are likely to go when it happens to
you. It's all very well to read and hear about bad things that happen to
other people. It is quite different when the same thing happens to you, or
your loved one.

Is there anything you can do in order to protect yourself? There is. Quite
a bit actually. It's all based on common sense and, while there are no
guarantees in life, you will minimise the risk and make the life of an
identity thief a lot harder.

Funny thing about thieves. They don't like working hard. If you make it
hard enough for them, they will usually go away - to find an easier target.

One of the common-sense things you can do in order to protect yourself,
and your family, is to make yourself aware of the current scams that may
affect you.

The most infamous one at the moment is so a called 'phishing' scam. In a
nutshell it looks like this:

You get an email that looks like it was sent from your bank. They ask you
to log in to your online account and verify some of your details. For your
convenience, there is a link included right in the email. All you have to
do is click on it an log in. Don't ever!

The moment you click on that link and log in, the scam artists have your
login ID and password recorded. This will enable them to log in to your
account and within hours, or days, your account will be cleaned out!.

There are two common-sense approaches to deal with this.

First, you have to realise that your bank already has all the details they
need to operate your online account. If they didn't, you wouldn't be able
to open it in the first place. So, you can most likely quite safely delete
the email and forget about it.

Secondly, if you have any doubts as to the authenticity of the email, you
can get the bank's phone number from your local phone book and give them a
call. Tell them about the email you received and ask if they tried to
contact you. I bet they are going to be as surprised as you are.

And just remember: Whatever you do, never, ever, log in to your bank
account, or any other sensitive account for that matter, right from an
email. You already have the login link somewhere in your records. If not,
go to the bank's main page and look for an online login page.

What we covered today is just one of the things you need to do in order to
protect yourself from identity fraud. There are many more. Lack of space
doesn't allow me to cover more in this short article. You will find many
more tips at http://www.credit-report-a-z.com/articles.html. They are free
to implement and could save you lots of time and money.

Andrew Obremski is the owner of www.credit-report-a-z.com, a web site
devoted to information about credit reports, identity theft, debt, and
other personal finance topics.

Webmasters: Author's permission is granted to reprint this article,
provided that:

1. The whole article, including the bio info above, is reprinted intact.

2. All links are live and in pure HTML (no Javascript or redirection
allowed).

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hundreds of extra dollars per year-without ever knowing it! And if you're
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look at some of the most common credit card fees, and then talk about how
you can avoid them.
Which Credit Bureau Should I Use To Check My Credit Report?
There are three main credit bureaus in the United States; Equifax,
Experian and Trans Union. Each bureau collects your personal and financial
information which is then sold to lenders such as banks, credit unions,
credit card companies, mortgage and auto loan lenders.
Grants, Loans, Free Credit Cards And Credit Repair: The Whole Truth And
Nothing But The Truth
You got creditors calling you everyday. You could lose the car or house.
Maximizing Credit Card Rewards
In their quest to get you to sign up for their credit card, banks and
financial institutions are coming up with more and higher incentives to
entice you. Frequent flyer miles gave way to gas miles which opened the
door for cash rebates and reward points to be used at 'our fine member
merchants'.
Choosing a Credit Counseling Company
If you have considered credit counseling as an option to your financial
problems, then you are probably wondering how to choose from one of the
many credit counseling companies that are popping up left and right these
days. There really is not an easy answer to this dilemma but there are
some things that you can look for in a credit counseling company that
might make the decision a little easier.
Stop Credit Card Offers
You can stop receiving credit card offers in the mail! It's really easy to
do - just phone 1-888-567-8688 and follow the prompts and provide the
requested information including Social Security number, date of birth,
etc.Do this for every adult member of your household, including college
students.
How To Get Out Of Credit Card Debt
If you're like the average person, let me warn you ahead of time about
what I'm going to reveal in the next few paragraphs. You may be angry
after you finish reading this article about how you've been misled in the
use of credit card debt.
Can You Acquire Good Credit Overnight? You Bet
Your credit file may not reflect all your credit accounts. Although most
national department store and all-purpose bank credit card accounts will
be included in your file, not all creditors supply information to credit
bureaus : Some travel, entertainment, gasoline card companies, local
retailers, and credit unions are among those creditors that don't.
Have You Ever Opened a Checking Account?
Maybe some of you are saving it in your trusty piggy bank, under your
mattress or way back in a sock drawer. Although I'm glad that you are
saving, your money is not doing anything for you locked up in your house.
First Major Regulatory and Legislative Victory of 2005 for Creditors and
Consumers
Under the Fair Debt Collection Practices Act, collectors are not allowed
to disclose a consumers past due debt to anyone other than the debtor and
in some cases a spouse. The Telephone Consumer Protection Act would have
required collectors to identify the registered name of their business in
any pre-recorded messages to consumers or debtors.
What is a Credit Report?
Ever wondered what is a credit report? If you've ever applied for a credit
card, a personal loan, or insurance, there's a file about you. This file
is known as your credit report.
Choosing The Credit Card That Is Right For You
Credit cards represent an important part of our financial lives. Having
the right credit cards is essential and will make a big difference to your
finances.
Rebuild Your Credit the Right Way the First Time
If you are one of the millions of people out there with bad credit you
need to step up and start doing something to get yourself back into
credits good graces. Having good credit is the only way to assure that you
will get the best interest rates on any loans and credit cards that you
apply for.
Finding What is on Your Credit Report
A credit report is basically a file about you kept by lenders and banks.
As annoying as it may be, it's still perfectly legal for them to gather
all sorts of details about you.
Harassment of People in Debt by Creditors
HarassmentHarassment of people in debt by creditors or their agents is a
criminal offence under the Administration of Justice Act 1970. It is often
difficult to know what to do when you feel a creditor is not dealing with
your account fairly.
Bad Debt Recovery
Bad Debt IdentificationIdentifying bad debt is not as easy as it sounds.
But the earlier it is done, the better are chances of recovering it.
4 Steps to Creating Good Credit
As a consumer you've learned the importance of establishing a good credit
rating with your lenders. Whether you are shopping for a new home or auto,
or searching for the best deals on insurance, your credit worthiness will
be judged by your credit rating or credit score.

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Do you Know the Benefits of Checking your Credit Report? - Credit

Do you Know the Benefits of Checking your Credit Report?

Do you know why you should check your credit report?

Of course you do, because you have undoubtedly experienced one working in
your life!

No matter where you roam, your credit report follows you through life,
updating all aspects of your life: your employment, where you live, your
opened credit accounts, your closed accounts, your payment history, and
even public records on you.

In this country, a good credit history brings you benefits of all kinds--a
home mortgage, an apartment lease, an auto loan, or even more credit--with
ease.

Like a job resume, your credit file carries a lot of weight, that's why
you need to keep an eye on what it says about you.

Many options are cut off to you if you do not look "credit worthy" on
paper. A bad report can mean higher rates on loans and insurance. It can
also mean whether you get hired or promoted by a growing number of
employers who now use them in the evaluation process.

Even if you think you have a good credit standing and you pay your bills
on time, you still need to review your credit file for accuracy.

Studies have shown that credit files have an error rate as high as 70%,
often the result of simple human or computer error.

Sometimes these errors show you being late in paying your bills when you
are not. Your file might even leave out information that could sway a
decision in your favor. The most common error is where damaging
information of another person, with a similar name or account number, is
mixed into your profile.

Monitor your personal credit file so that you are alerted whenever
negative or derogatory items are reported against you.

A neglected credit file can lead to some major inconveniences in your life
in the future.

You should fix mistakes or remove any incorrect information as soon as you
find it. Errors that creep onto your report take time to correct. Catching
these mistakes when they occur helps resolve them faster.

When you improve your credit worthiness you can qualify for better rates -
which adds up to big savings for you.

Even if you think you have an unblemished past, checking your report lets
you know what a future lender or employer will learn about you.

If your credit report is less than perfect now, you can deal with
lingering problems effectively, and move towards a better credit standing
in the future.

A good credit rating means more money in your pocket and less out the door!

** Attn Ezine editors / Site owners **
Feel free to reprint this article in its entirety in your ezine or on your
site so long as you leave all links in place, do not modify the content
and include our resource box as listed above. If you do use the material
please send us a note so we can take a look.

Thanks,
Mary

(c) Mary Arce - All Rights reserved

Mary Arce is a consumer advocate and author helping Americans solve their
credit problems and save massive amounts of money on mortgage and credit
card interest. WHY are some people getting RICH managing their debt?

My email address: wealth@1st-wealth.com
Website: http://www.1st-wealth.com

Article is also available by email - send blank email to:
checkreport@1st-wealth.com

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How To Avoid Becoming A Victim of Identity Theft
With identity theft statistics currently at an all time high, and
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Bankruptcy Myths Busted
The average American knows very little about bankruptcy. Most people
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SuperCharged Secret 3, Credit Card Utopia
TURBO-CHARGED KILLER RATE SAVING INFORMATION!Let's just take a brief
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Stop Struggling Because Of Poor Credit And Improve Credit Rating Now
Did you apply for a personal loan only to be turned down by a bank or
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There are many reasons why people need a loan and lenders turn people down
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Credit Cards Can Help You Get Out Of Debt
Your credit rating / credit score is based upon how you have dealt with
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I've Heard About FACTA; What Does It mean?
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Beat Credit Card Companies at Their Own Game!
Have you ever wondered how much money a credit card company makes? Have
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Congratulations college freshman! You're about to embark on one of the
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How To Use Your Credit Cards Wisely
Are you one of the thousands pulling your hair out trying to figure out
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Free Credit Reports - How to Maintain Your Credit Profile
Maintaining your Credit ProfileEvery consumer should be maintaining their
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We spend money every single day on many different types of products and
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Thinking of applying for a credit card with a reward program to help you
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Express is a great offer.

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Minimize your Risk for Identity Theft - Credit

Minimize your Risk for Identity Theft

Identity theft is the fastest growing crime in America. According to the
Federal Trade Commission, the number of identity theft incidents reached
9.9 million in 2003. These crimes are estimated to have taken the average
victim $500 and 30 hours to resolve.

From stolen credit cards to total identity kidnapping, these ugly and
prevalent crimes are hard to prevent and often difficult to correct.
Although it is hard to truly avoid becoming a victim of identity theft,
there are a few ways you can guard against this damaging crime.

1. Types of identity theft

Identity theft crimes range from purse snatchings to kingpin-style fraud
rings. The definition of identity theft is a crime in which an imposter
obtains key pieces of personal information, such as a Social Security
number, in order to impersonate someone else. Identity theft can occur
when someone takes your mail, steals your wallet or swipes your records
from an institution. Most cases can be resolved fairly easily if they are
caught early. Creditors and banks usually hold you responsible for only
the first $50 of fraudulent charges. The most serious cases of fraud can
take several years and many resources to resolve.

2. Preventative measures

In this world of smiling strangers, it can be tough to keep your identity
safe. The best security policy is to be aware of fraud and cautious about
where you share personal information. Check your account statements
carefully each month and keep an eye out for suspicious activity on your
credit report. A paper shredder can also be a powerful tool for making
sure personal information and pre-approved credit offers don't end up in
the wrong hands.

3. If your identity is stolen

If you suspect that your identity has been stolen, the first step is to
get all the facts about the damage. Become your own detective-search your
credit report and bank accounts for clues. Ask your creditors to
immediately cancel any fraudulent charges and consider putting a security
alert on your credit report. If the theft is serious, file a police
report. If fraudulent records start to show up on your credit report, send
letters of dispute to the reporting agencies with copies of documentation
supporting your claim. Signing up with a credit monitoring service will
inform you of changes to your credit. It may take a while to fully recover
the security of your accounts, but it's crucial that you don't let the
fraud escalate.

Get your credit report and score NOW!
(http://www.legalhelper.ws/credit-reports-online.aspx)

About The Author

Jeffrey Broobin is a free-lance writer on family and finance issues; his
main goal is to help people during their complicated period of life.
jeffreyb@legalhelper.ws

Website: http://www.legalhelper.ws

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The Simple $10 Debt Elimination Solution - Debt-Relief

The Simple $10 Debt Elimination Solution

Ask a friend what resolutions they made for 2004 and your bound to hear
them reply "Pay off my credit cards." Ask them how they planned on
reaching that goal and many of them will not have a clear cut answer.

The obvious first step to paying off credit card debt or paying down
credit debt load is to cut back or eliminate the use of your credit cards.
For some people this first step can often be the most difficult. If you're
used to spending freely with plastic and worrying about the consequences
later, it's difficult to break free from this "buy now, pay later"
attitude.

To gain control of their careless credit card spending habits, some people
cut up their credit cards therefore making it impossible to use them.
Others lock up their credit cards or hide them in a safe place and vow to
use them only in an emergency.

The second step to paying down credit debt is to pay more than the minimum
balance due. Most credit card companies require a minimum monthly payment
of 2.5% of the outstanding balance. For example, if you have an
outstanding balance of $1100.00 on a credit card charging an Annual
Percentage Rate (APR) of 18.9% your minimum monthly payment would be
$27.50. It will take you 66 months or 5.5 years to pay off your balance of
$1100.00 making the minimum payments. The credit card company will make
$676.94 in interest from your use of their credit card.

Monthly payments are purposely kept low by the credit card companies so
that they can earn as much as possible from the interest rate charged to
you the consumer. Paying just the minimum payment will keep you tangled in
credit's web for years and years to come.

If you've been paying only the minimum due month after month, ask yourself
this question, "Do I have an extra $10.00 I could apply to this month's
payment?" I'm sure that most of us could find some way to come up with an
extra $10.00 for the month. Try cutting out a few cups of coffee or
lunches at your nearby fast food outlets and in no time flat you'll have
saved up the extra money that you need.

Now, it's time to unveil "The Simple $10.00 Debt Elimination Solution."
Take that extra $10.00 and add it to the minimum monthly payment above,
therefore making a payment of $37.50. By adding just that $10.00 a month
to your minimum payment, you'll trim 23 months or nearly two years off of
that credit debt! On top of that you'll save $277.00 in interest alone!
That's money you can put toward savings or paying off other debts. Imagine
how much you'd be able to save if you applied this same simple strategy to
each of your other credit card debts!

Paying down credit debt doesn't always mean having to make huge monthly
payments or sacrifices. It just takes some basic planning and a simple
effective strategy to make it work.

© 2004, www.yourfreecreditreportnow.com

About The Author

James H. Dimmitt. James is editor of "TO YOUR CREDIT", a weekly free
newsletter to help you manage your personal finances. Subscribe to the
newsletter by visiting http://www.yourfreecreditreportnow.com. He is also
author of "Identity Theft - How to Avoid Becoming the Next Victim!"
available at http://tinyurl.com/bc45; jimdim815@aol.com

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affect you further down the road.

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Debt Collectors: Men or Mice? - Debt-Relief

Debt Collectors: Men or Mice?

Who are these people anyway? They viciously harass you and call you bad
names. They embarrass you beyond belief by leaving detailed messages with
your neighbors and at your workplace. In extreme cases, they have been
known to stalk you!

Debt collection agencies are hired by your creditors to do their dirty
work. If they get you to pay, the debt collector usually gets a percentage
of what you owe, plus added fees. Some debt collection agencies buy your
debt from the creditor for a low fee and attempt to collect double and
sometimes triple what you owe on your original debt by attaching high
penalties, interest and other processing fees.

Basically, debt collectors make a living trying to scare and intimidate
you into paying your bills. They don't care that your finances are in
limbo because you have recently divorced or that your employer informed
you in the eleventh hour that you were being laid-off. All debt collectors
care about is that they will get a slice of the pie-if you pay.

Debt collectors convince themselves that you are a deadbeat, sitting on a
stack of cash and refusing to pay. By painting a negative mental picture
of you in their mind, they feel justified harassing you into paying a
delinquent bill. Most debt collectors are just downright mean, nasty,
heartless individuals who make a living scaring "the pants off" of people
who are simply broke and trying to survive.

One lady reported that after she vehemently tried to explain to an
unrelenting debt collector that she was recently divorced, underemployed
and didn't have the money to pay the $12,000 credit card bill her
ex-husband left her, the debt collector replied, "Look, fat lady, it's
obvious that you could stand to skip a few meals. Just send me your food
bill for one week to wipe out this debt!" The lady was horrified-not so
much by his remarks because she was accustomed to the debt collector being
rude to her on the phone-but by his comment regarding her size. How did he
know she was overweight? Had he been stalking her?

Debt collectors use many tactics to research you, especially if you owe a
large debt. Remember, their livelihood depends on how many people they can
get to pay overdue bills-the bigger the debt, the bigger their payoff.

Despite what debt collectors believe, most people are not faced with
buying a ticket to Tahiti versus paying their credit card bill. People who
are broke find themselves faced with real-life problems like putting food
on the table versus paying a credit card bill!

Keep in mind that debt collectors are no different than you are. As the
saying goes, "they put their pants on one leg at a time." They cannot
physically harm you and the mental abuse they throw at you can be easily
avoided (visit www.brokemansurvivalguide.com)

A.M. Harris is he author of The Broke Man's Survival Guide: 50 Clever
Strategies to Use When You Are Unemployed, Underpaid or Just Dead Broke
and Can't Pay Your Bills. Visit http://www.brokemansurvivalguide.com for
more information.

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What Is A FICO Score? - Debt-Relief

What Is A FICO Score?

Your FICO score or credit score as it's commonly called is a very
important calculation that can control whether or not you are eligible to
receive credit and if eligible the terms you can receive credit under.
Failure to understand the impact this score can have on you future
purchasing power and lifestyle can be disastrous. This article will break
down all the information you need to know regarding your FICO score.

As I mentioned above the FICO score is a numerical score that is based on
your financial history as collected in your credit report. Creditors can
use this number to evaluate whether or not you are able to pay a loan back
on time. The higher the score the more likely you are to pay off a loan on
time and the less of a credit risk you pose.

The FICO or credit score ranges are broken down as follows:

720-850 - This represent the best score range

700-719 - Able to obtain favorable financing terms

675-699- This is still a decent score range

620-674 - May have trouble obtaining favorable credit terms

560-619 - May have trouble obtaining credit

500-559 - Time to improve your score

Your credit score is broken down into 5 distinct categories each with
their own importance based on a percentile. The 5 categories and the
percentage they represent I relation to your credit score are as follows:

Payment History - 35%

Amounts Owed - 30%

Length of Credit History - 15%

New Credit - 10%

Types of Credit Used - 10%

Your payment history contains information on credit cards, retail
accounts, installment loans, finance company accounts and any mortgages
you may have had. It also details any past due accounts and the amount
owed on hem. You will also find bankruptcy information as well as other
adverse information in regards to your credit history. This is why it
warrants a 35% piece of the pie.

Your amount owed is generally speaking the amount owed on any accounts you
currently have and number of accounts with balances. Note that it has a
large impact (30%) on your credit score. The length of your credit history
details when accounts were opened and the last activity on those accounts.
New credit shows the number of recently opened accounts by the type of
account and number of account inquiries. Finally the type of credit used
is a snapshot of what types of financing you have held.

Other information that is included in your credit report but has no
bearing on your FICO score includes your race, age, where you live and
your sex and employment information. Although the FICO score doesn't use
these factors the employment information may be used by other companies
and creditors to help in their decision making process.

There are three major credit-reporting agencies - Equifax, Experian and
TransUnion that have your credit information on hand. Each of these credit
bureaus maintains their information separately, which can cause the
financial data to be slightly different among the three of them. Most
experts agree that in order to get the best snapshot of your financial
history and credit worthiness it is a good idea to request a report from
each of the reporting agencies. It is also highly recommended that you
actually review your credit report once a year in order to identify and
correct any errors before they cause any future potential problems when
you apply for credit. Recent changes in the laws no allow for consumers to
request 1 free credit report each year in order to look for any such
errors.

Here is the contact information for each of the three reporting credit
bureaus:

Equifax: (800) 685-1111, www.equifax.com
Experian: (888) 397-3742, www.experian.com
TransUnion: (800) 888-4213, www.transunion.com

As you can see your FICO Score is a very important number that represents
your financial trustworthiness in the eyes of creditors. Failure to
properly monitor it could cause you future headaches when it comes time to
apply for any form of credit.

Timothy Gorman is a successful Webmaster and publisher of
Debt-Relief-Solutions.com. He provides more debt relief, consolidation and
credit repair information that you can research in your pajamas on his
website.

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Is There Any Way To Get Out Of Debt? - Debt-Relief

Is There Any Way To Get Out Of Debt?

In this era where we are bombarded daily with commercials on television,
radio, billboards, through email, not to forget the flyers slipped under
the car's wiper blades while shopping at the mall, it's no surprise that
so many of us find ourselves endlessly in debt to the services and
products offered by others. How can we refuse, when we're baited with the
juicy orange carrot of '0% APR' up to a certain amount or for a specified
time, or 'no money down' and 'easy installments' of just so much per month?

Before we know it, we're in debt. We have credit card payments, consumer
loan payments, car payments, a home mortgage, and only enough money coming
in to pay the minimum amounts each month. Then, we start noticing a
different set of ads being directed at us from every marketing angle
imaginable. Get a home equity loan and pay off your credit cards, some
suggest. Start your own home business using our 'unique, proven' system,
and all your financial problems will be gone before you know it. But, are
these really the solutions that most of us so desperately need?

Far too many of us are as quickly bought by these financial rescue ads as
we were bought by the ads that inspired us down the road to financial
trouble. And, when we've tried more than one and found ourselves still
dealing with monthly minimum payments or even possibly just finding
ourselves deeper in debt for having tried so many systems, we end up
asking ourselves what were doing wrong. Some who are financially
struggling do take the route of taking a loan to pay off the loans already
made with others, and get the instant gratification of available credit
all over again. Or building a home business that does generate a positive
return of some sort, giving them more financial freedom to spend freely on
themselves and their loved ones. But, by doing this, are we really
resolving the problem? And, what about those that don't have or want these
options - regardless how many happy testimonials from clients are shared?

Not everyone owns a home or, for the ones that do, may be leery about the
idea of taking out a massive loan to pay off many smaller loans. Not
everyone wants to start a home based business, they just want the freedom
that comes with not having a lot of debt every month. And, most
importantly, the quick fix solutions to life's financial troubles doesn't
give any insight into how we got ourselves into this financial situation
in the first place, and how to avoid it now that we have the spending
capital that comes with available credit again. So, for the many of us who
are seeking a genuine solution to our financial woes, what is the answer
we're looking for?

The answer may be a lot closer than we think. It first starts with
developing awareness of where our paychecks are going and to whom. Yes,
the ol' balance sheet thing, where we keep a detailed log of our spending
activities. And, where we determine by simple addition just how much we
presently owe to those who have loaned us money for life pleasures and
necessities. Now that we know where we actually are, we can now determine
just where we want to be. But, just doing this doesn't solve the problem.
Rather, we've managed to illuminate it, so what do we do from here?

For starters, get the financial knowledge that we so desperately need to
stop the growing cycle of debt building, and start eliminating the
troublesome debts that consume our paychecks month after month.
Fortunately, this knowledge is not that hard for us to find, if we know
where to look. There are non-profit organizations advertising on
television and radio that are devoted to helping people consolidate there
debts, and this is a start. Other sources require a purchase of there
educational media or encourage membership in their organization for a
nominal fee, and the information provided can be more than worth the small
investments if the teachings are taken seriously and applied to one's real
life budget.

Maybe the solution is literally as simple as the way one teacher on the
subject puts it: "If you don't want to make the hole that you've dug for
yourself any bigger, then stop digging!" Sure, this may mean having to do
without some of the latest technological gadgets, or having to discipline
yourself into putting a small amount of the monthly paycheck into a
savings account. But, any step that will allow us to keep more of the
money we've worked so hard for is a step in the right direction. Then,
comes the focus on eliminating the burdensome debts that are already
weighing us down. And, it may take awhile. But, isn't the freedom to do
what we want with our money worth the effort and time?

After freeing ourselves from the obligations to creditors and banks, the
money once spent on debts needs to go somewhere. Maybe it's now time to
consider investing this money into stocks or real estate or, possibly,
even a business that in time will generate a positive return on our money.
This, too, will require some education into the what and how of making
wise investments. But, the information is as readily at hand for those who
are ready as the solutions to relieving debt.

Then, comes the need to assure ourselves that we won't fall back into the
monthly drag of giving away our money to the advertisers that so
diligently entice our attention. Resisting the urge to buy into costly
items is one way of dealing with this. But, in a land of prosperity such
as ours, is it really necessary to live frugally? There may be yet another
way. How about buying the assets that will generate an income that we can
then spend on these desired possessions?

Not necessarily a novel or new concept, but.... How many of us struggling
monthly with debts ever considered the possibility that we really have the
opportunity to reach this point? Regardless our present status in life,
what can we really achieve with just a little awareness, thoughtful
planning, and the knowledge of what to do and when to do it? For those who
are seriously looking, there is a way out of debt. And, though each
person's situation may be slightly different, the steps that are outline
above have been used and proven to be effective by countless individuals
who live financially happy lives. Just check out their ads!

Joseph T Farkasdi is the President of JtseF, Inc. and is a member of the
Financial Freedom Society. He is an entrepreneur who is committed to
helping others achieve the financial lifestyle they desire. For more
information on eliminating debt, visit http://www.jtsef.com/financial.htm.

GettingOutOfDebt@jtsef.com

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