Latest articles from My Credit Card Secrets (http://www.mycreditcardsecrets.com) http://www.mycreditcardsecrets.com 2008-11-21T22:13:29+01:00 text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/how-you-can-avoid-a622.html To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take. The most important one is to ask periodically for a copy of your credit repor... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-report-and-correction-a621.html The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/have-you-checked-your-a620.html As a young student I feared getting bad grades because I didn’t want any bad marks on my “permanent record.” Get an “F” in fifth-grade science and it goes in your record. Act up in Mrs. Brown’s class... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/when-you-are-eligible-a619.html By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1. You are unemployed and seeking employment in the next 60 days... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-enhancements-seven-tips-a618.html What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand what can be done to reduce the risk of a credit transaction in the eyes of the provider. Never accept a credit rejection without considering credit enhancements. Here are a few tips on credit enhancement to help guide you in approaching the credit process: text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-repair-myths-and-a617.html There are no secrets to repairing your credit. Negative items can be removed from your credit report and you can do it yourself right now. text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-report-disaster-through-a616.html How Mistaken Identity could land even those with perfect credit in bankruptcy court! text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/building-your-credit-history-a615.html Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit without having a good credit history. So, it is important to start building your credit history when you're young. text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/top-5-reasons-to-a614.html #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. Ot... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/keep-your-credit-history-a613.html The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. But very often your ... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/minimize-your-risk-for-a612.html 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 ha... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/do-you-know-the-a611.html 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 thro... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/tips-for-getting-your-a610.html If you are looking to apply for your first credit card, this article can save you time and money. text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-card-companies-are-a609.html 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... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/avoiding-credit-card-traps-a608.html The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folde... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/how-to-choose-a-a607.html Choosing the right credit card can be difficult. However, if you think about how you plan to use the card, you can make a decision that you will be able to live with for the long run. text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/the-advantages-of-credit-a606.html There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed t... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/10-tips-to-prevent-a605.html Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made. Impossible? Credit card fraud on... text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-reporting-agencies-a604.html Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near future, it's a good idea to obtain a copy of your credit report. text/html 2006-07-05T16:24:51+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/gateway-to-successcredit-cards-a603.html Credit cards are a form of credit that is so accessible these days, that we can take a card out as easily as going into a shop as buying a newspaper, the only difference is that once you have paid for your paper it is paid, but a credit card is a form of credit that is that we can at later stages.