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Identity Theft Archive for 2009

  • Is asking for a lower credit card interest rate a good idea?

    by Ruth Racey

    Yes it is, just make sure you can pay the minimum fee using your current interest rate. Before the credit crisis, clients were encouraged to request lower rates as rewards for their consistency for paying on time. However, with the current mess the credit card industry is facing, that would … (more) October 22, 2009

  • Improving credit scores? It is never that easy.

    by Ruth Racey

    Making your credit scores better is not like a walk in the park. It usually takes a long time to demonstrate that you are responsible enough in managing your finances. These eight tips would surely help you.  Always pay your bills promptly. This is the easiest way to get … (more) October 21, 2009

  • How to prevent identity thieves from stealing your credit rating

    by Ruth Racey

    Checking your credit reports regularly should not be taken for granted. If you fail to monitor them, you are in danger of piling up your bills and letting your credit score plunge down the bottom of the barrel. Identity thieves are experts in manipulating clients’ accounts which can turn your … (more) October 20, 2009

  • Understanding the Factors that Make Up a Credit Score

    by Ruth Racey

    It is very important to understand the calculations done on your credit scores. However, be aware that the three major credit reporting agencies in the US use different procedures. As such, expect scores coming from each of these agencies to have slight differences. There are several factors to be considered … (more) October 19, 2009

  • Key Factors on Getting Yourself a Good Credit Rating

    by Ruth Racey

    Setting up a good credit score is important to have a stable financial future. Because of this, you would need to get out of your no-credit safe zone. Regardless of whether you are signing up for a huge loan or renting an apartment, attaching an impeccable credit history to your … (more) October 18, 2009