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Friday, 11 June 2010 15:58 |
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Tips & Tactics
• Be aware that credit cards offering a 0% introductory rate, often have interest rates that are higher than average after a certain period of time.
• Take advantage of travel incentives, payback rewards and other offerings when choosing small business credit cards. Depending on your needs, these advantages can sometimes outweigh a lower interest rate.
• Consider going local for business credit cards. The hometown bank that manages your business account may be more competitive than the national bank that just sent you an offer in the mail
Business Credit Card FYI:
The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 does not include any new protections for business credit cards. However, Bank of America has decided to apply some of the most significant protections from the CARD act to the business cards I have with them. Here's a list from my Clarity Commitment Summary letter:
BOA will no longer increase your rate on existing balances for late payments or other risk reasons.
BOA will always provide 45 days notice before we increase your rate for future balances.
Any amount you pay over the minimum payment will now be used to pay down your balances with highest APR's first.
BOA will no longer charge a fee for going over your credit limit.
Your payment due date will now be at least 25 days from the statement closing date printed on your statement.
Help To Acquire Commerical Credit Cards
We will work with you to help you acquire business credit cards. About 90% of our clients have some credit issues. There are a few options available, if you are willing to go the distance to do what is necessary to qualify.
Let me tell you the bad news.......
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Wednesday, 09 June 2010 22:40 |
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Step 1: Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of any documents that support your position. In addition to providing your complete name and address, your letter should identify each item in your report you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, "return receipt requested," so you can document that the consumer reporting company received it. Keep copies of your dispute letter and enclosures.
Consumer reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it is required to investigate, review the relevant information, and report the results back to the consumer reporting company. If this investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide consumer reporting companies so they can correct it in your file.
Do-It-Yourself Check-Up
Regardless of your credit history, financial advisors and consumer advocates recommend reviewing your credit report periodically for three important reasons: Read More |
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Wednesday, 09 June 2010 22:36 |
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One of the most powerful ways to increase your credit score is to add seasoned trade lines to your credit report. For years, this strategy has been known as shadowing or mirroring. As of late, it has become big business both on and off the net.
The technique of adding seasoned trade lines consists of having a person with a revolving line of credit (credit card) add you as a personal user to their account. When the credit card company reports to the credit bureaus the next time (they report every month), it will show that you now have that line as well. This trade line showing on your account now increases your credit score (sometimes dramatically).
What most people should be aware of is that you can not and should not just add yourself to anyone's credit card. There are a few factors that you should consider
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Wednesday, 09 June 2010 22:34 |
Corportate Fast Track finds out what people do with bad credit loans?
Most bad credit loan services serve people who want to purchase or refinance a house. Some bad credit lenders offer new and used car loans as well. At the very least, a person with bad credit can receive a personal paycheck advance loan. Leveraged correctly, this money can help a person to turn his or her financial status around. It is extremely important that people who seek out bad credit loans take plenty of time to research all the options and find out exactly what they will need to do to maintain timely payments
With the credit crisis, the financial industry is going through many changes and it is more difficult to find lenders that offer credit cards and bad credit lenders that can transform our financial lives. Helping people find reputable bad credit lenders for industry leading loans and credit cards. Many poor credit lenders are willing to take a chance on high-risk borrowers because it's just plain good business. Poor credit lenders consider a secured loan as a reasonably low-risk transaction, simply because of property which can be seized in the event of default and a myriad of miscellaneous fees that can up the ante.
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Wednesday, 09 June 2010 22:31 |
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What is the contrast between a secured and unsecured loan? Unsecured loans are moreover sometimes called personal loans or installment loans. Unsecured loans can be described as unsecured loans. When it comes to moderately little amounts of cash, one of the additional known types of unsecured loan is what is commonly called a payday loan
What are the benefits and features of an unsecured loan? Unsecured loans are an expensive, but more readily acquired, preference to secured loans for people who do not possess property which they are able to utilize as surety. Unsecured loans or unsecured money is further the perfect choice for students, private renters, council tenants and persons residing within housing association properties. Unsecured loans may be used to pay for other mortgages such as house loans, car loans, educational purposes, and myriad others.
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