Credit Education 101
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Credit Education

We have categories a collection of articles that contain a wide variety of free information and advice about credit cards and credit card related topics.

Please be advised that all advice and information collected is intended only to help consumers by providing information for credit card related financial decisions. We recommend that you seek out professional advice whenever making any type of financial decision.

  • Credit Report

    • You can get credit report for free each year -

      There comes a time in life when you need to take a credit and the key to getting one is your credit report. Everyone needs a good credit report in order to get better terms with the bank or money lenders, but most of us don’t have a habit of … (more) August 22, 2014

    • Gain a Basics Understanding of Credit Report -

      For those who do not know a credit report, it is basically your report card on credit usage. Just like good scores on a report card are crucial for getting into a new school or college, a good credit score is important in ensuring lenders see you as credit worthy. … (more) June 2, 2013

    • Credit Report-the Tool to Know Your Customer -

      Credit report is a tool to know details of an individual s or a company s past borrowings and repaying. The report is published by credit bureaus and that report also includes late payments or bankruptcy by the individual or the company. Hence, the report is very important to keep the economy … (more) May 6, 2013

    • A Brief into Credit Reports and How to Understand Them -

      Analysing and fixing your credit score on your own requires ample knowledge. A credit report will provide a detailed description of the areas that has to be fixed. But there are many impending problems because not everybody understands the credit report. For those who are serious about correcting the credit … (more) October 22, 2012

    • What Constitutes Credit Report and How Do You Access It? -

      The Federal Credit Reporting Act, termed as FCRA, stipulates that all the consumers of the United States are eligible to access their free credit reports annually. The government has made provisions for such a free credit report to enable consumers prevent identify thefts, have equitable treatment while borrowing, and obtain … (more) September 30, 2012

  • Credit Score

    • Tips for repairing your bad credit score -

      It is extremely essential to keep an excellent credit score, particularly for those who have a poor credit history. A sullied and poor credit rating is both stressful and costly. It is because people who have a poor credit score can’t make an application for mortgages, loans, and even insurances. … (more) November 15, 2014

    • Simple Ways to Improve Your Credit Score -

      When you apply for credit, whether for a car loan, mortgage, or a credit card, the lenders will want to know the risk they are taking in lending the money to you. A credit score helps the lenders to evaluate your credit report, as it is a number that summarizes … (more) July 21, 2013

    • Link between Credit Score and Insurance Companies -

      Ever wondered how the insurance companies decide the payable premiums? Over the years, commercial banks have used credit scores to determine whether a client is a good risk. They use the credit scoring system to issue credit cards, auto loans and mortgages. In the recent past credit scores have found … (more) June 25, 2013

    • Credit Scores – What does it Mean? -

      Credit score is a three digit number (generally) used to determine if a person is able to get loan and also the amount of the loan that person can get from lenders. But the main intention to score is safety of lenders and avoiding bankruptcy. The lenders determine the credit … (more) May 14, 2013

    • How to increase the credit score -

      A lot of people have no idea what the credit score is; this is the reason why, in case they apply for a loan and don t obtain it, they are very shocked. If you have a bad credit score, you should not be shocked for not receiving the loan you … (more) January 15, 2013

  • Identity Theft

    • Seriousness of Identity Theft and Its Prevention -

      Identity theft is the stealing of your identify by another person by posing as yourself. Identity thieves resort to such identity thefts to access your financial resources and/or obtain credits or receive other benefits in your name. If such an identity theft occurs, it could seriously impact your life, since … (more) September 18, 2012

    • Identity theft prevention – Protecting your identity from the outside world -

      The identity theft has become a serious problem in the past few years. Those who don t know how to properly use their credit cards are vulnerable to all sorts of problems because there are people with solid computer knowledge who can steal your pin codes and thus, your money. Make … (more) April 27, 2012

    • Protecting from credit card identity theft -

      Identity theft is a major credit card issue and almost all credit card holders are apprehensive about sharing their credit card details online, while online shopping. You cannot really avoid giving in your credit card number to public domain of the internet, such is the reality of today s world, like … (more) March 22, 2012

    • Identity theft and the harm it can inflict upon people -

      Identity is incredibly valuable to people. It is a person s identity that distinguishes them from the rest and it is the person s identity that is the way they are known. There are many things that make up a person s identity. The appearance of a person is for one something that … (more) February 12, 2012

    • Avoiding identity theft when everything is lost -

      When cardholders face the seriously unfortunate situation of losing their credit cards, debit cards, driver s license, health insurance and other important cards all at the same time due to stolen wallets containing everything, the following steps must be considered to avoid identity theft. Cardholders must first cancel their credit cards. … (more) October 25, 2011

  • Debt Management Help

    • Five Wise Credit Resolution for 2015 -

      2015 is here, and it is time to say goodbye to the mistakes you made last year. To move on, you need to make the most out of the free credit report offered by the credit companies. Set new goals this year and make a new beginning to improve your … (more) January 15, 2015

    • Three types of most common identity thefts -

      Identity theft is probably one of the most common offenses around the globe today. The most detrimental aspect about this very fast rising crime is that anyone can become a target anywhere on the web when a person verifies his or her bank account, during a family vacation when … (more) November 2, 2014

    • Why should you use counseling agency to manage debts -

      Getting into debt is easy and people do it all the time, either by using credit cards or by taking bank loans. Most of us are not economic experts and tend to simply choose an option that seems the best at the time we need the money. Although debt … (more) August 16, 2014

    • How to manage with non-priority debts in business -

      Non priority debts are debts that the creditor cannot deny you like liberty or essential goods and services. Some of these debts will include: benefits overpayments, water and sewage payments, credit debts, parking payments, student loans, and even money lent from close friends and relatives. In business, a person cannot … (more) July 21, 2014

    • Managing business debts by avoiding late payments -

      Paying an invoice on time is something every business owner tries to do but not all can stick to this plan. The reasons for delaying can be the consequence of some unexpected expense or when the business sales are down. But this little habit can turn into everyday action and … (more) June 20, 2014

  • Credit Repair

    • How to repair and improve your credit -

      You must have seen these kinds of advertisements on TV, in newspapers or in internet- Do you have credit problem? We focus on credit repair , or With 100% guarantee, we will erase your bad credit loan. Or Create a new credit identity . You may get these messages in mail, email … (more) May 16, 2014

    • Repairing Your Credit – The Step By Step Guide -

      The credit score of every person plays a key role in the financial life. The reason behind is that the creditors always look at the credit scores to decide whether an applicant is actually eligible for the credit and if yes then at what rate of interest. So, in case … (more) May 14, 2014

    • Credit Repair after Bankruptcy -

      Repairing credit is not as easy a task as it has been advertised. You should remember that you cannot increase 300 points in a matter of time. It takes a lot of work and patience to get that. But, putting in the right tactics it is usually possible. Here are … (more) October 10, 2012

    • Easy credit repair tips you need to know about -

      If you want to enjoy an easy, unstressed life, you definitely need a good credit in order to achieve your goals in the shortest time possible. The bad news is that the credit report plays a very important role in obtaining a credit or a loan and damaging it is … (more) April 20, 2012

    • Is do-it-yourself credit repair possible? -

      Credit repair of fixing your credit report and improving your creditworthiness is a complicated issue, made even more complicated by the number of different scam companies offering complete credit card solutions. The Federal Trade Commission warns users of such credit card scams as these are simply methods to siphon your … (more) March 18, 2012