Latest articles from My Credit Card Secrets (http://www.mycreditcardsecrets.com) http://www.mycreditcardsecrets.com 2008-11-22T02:03:48+01:00 text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/beginners-guide-to-credit-a542.html Everyone has to start somewhere when it comes to credit. This guide will educate the beginner on what they can do to build a solid credit score, and learn good financial habits for life. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/why-does-your-credit-a541.html Have your read your credit card contract through completely? Do you know when it is okay for your creditor to raise your interest rates? If you are not sure about how and when your rates can be affected over the life of your contract you should take a few minutes to read your contract thoroughly from beginning to end. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/pitfalls-of-the-credit-a540.html The credit industry if rife with pitfalls. If you have ever owned a credit card you probably already have learned this the hard way. If you have not owned a credit card previously you should definitely learn all you can about these convenient little suckers (literally) before you commit to any contract. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/rebuild-your-credit-the-a539.html 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. If you have bad credit you may not even get approved, then what? If you applied for a loan it was probably for a good reason, if you don't get what on earth will you do? text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/are-you-the-only-a538.html Identity theft has become an epidemic. Millions and millions of purses and wallets are stolen everyday and many of them are not just taken for the money inside. Thieves can use your credit cards to buy whatever they want to and whose credit does it ruin? text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/what-you-need-to-a537.html You hear people talk about credit reports all the time but do you know what they are really all about? Well, if you have ever been turned down when applying for a credit card or a loan it is high time you learned all about your credit report and how you can get it working for you instead of against you. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/5-things-your-credit-a536.html Credit Cards can bankrupt you if you let them run away from you. The various Credit Cards companies are in it for profit so they will not generally alert you to things you can do to save yourself money. Here are a few secrets that the card companies try to keep to themselves... text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/5-ways-to-prevent-a535.html These payment tips and strategies will show you how to prevent late credit card payment fees. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/learn-the-truth-about-a534.html Identity theft is the fastest growing crime in America, according to a recently released FTC study. Did you know that the term “identity theft” did not exist until just a few years ago? It is a recent phenomenon that is causing a great furor around the world. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/what-is-a-fico-a533.html A credit score is most commonly known as a FICO score. FICO stands for Fair Isaacs Corporation. It’s a company that developed the credit scoring software used to evaluate your credit worthiness. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/5-steps-you-can-a532.html There are always some companies that have past due invoices and can’t seem to get them paid. They might be quietly waiting to get paid not wanting to contact the client for fear of appearing “desperate”. Sometimes a big part of the problem is no response, it is bad enough when you are not getting paid, but when orders keep coming in and you are not getting any acknowledgement to your collection efforts, you just can’t keep processing orders. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/trying-to-land-a-a531.html This article contains information about how employers may use credit reports in hiring decisions. Readers can find advice about how to handle the validity and privacy of their credit reports. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/repairing-your-credit-score-a530.html Raising your credit score can be a long a arduous process. Here are some tips that should help guide you through the process. Plus, the how to guide to clearing derogatory marks on your credit score. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/which-credit-card-a529.html Bewildered by the sheer variety of debit cards and credit cards? text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/ups-delivers-the-goods-a528.html Well now we add CitiGroup and UPS to the Identity Theft corporations who have allowed Americans identity to be lost. Each time we have another identity theft case, we find larger and large numbers being lost. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/how-to-protect-yourself-a527.html In the high tech world of today, credit card fraud is an ever increasing problem. By 2005 it is estimated that the online payment industry will capture $12.5 Billion in revenue. This is up over 20% from 2004... text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/watch-out-for-credit-a526.html It is very easy to find a site that is neat, professional-looking, and one that offers a free three-agency credit report and free credit report without a credit card. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/10-ways-of-reducing-a525.html Identity theft and identity fraud are terms referring to types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/understanding-your-rights-under-a524.html It wasn’t all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control? text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/all-is-fair-in-a523.html Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what’s on your credit report?