Latest articles from My Credit Card Secrets (http://www.mycreditcardsecrets.com) http://www.mycreditcardsecrets.com 2008-11-22T03:36:37+01:00 text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/how-to-survive-in-a522.html Let’s face it, having credit is no longer a choice. “Don’t leave home without it” is more like “can’t buy a home without it.” Your credit now determines the neighborhood you live in, the kind of car you drive and, sometimes, even whether or not you get a particular job. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/like-it-or-not-a521.html Just when most people finish with school and can stop worrying about test scores, there’s a new kind of scoring that enters the picture. It’s called credit scoring. And, its impact on your financial future can mean more to you than a college degree. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/improving-your-credit-report-a520.html Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well. Whether it’s human error, out of date information or even mistaken identity, errors occur more easily than we’d all like to think. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/four-tips-how-homeowners-a519.html The absolute best time to prepare for a disaster is before it happens, here are easy steps you can apply to if your mind is trouble. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/guide-to-credit-terms-a518.html Listed below is a useful guide to credit card terms. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/types-of-credit-cards-a517.html There are a whole variety of different types of credit cards available which can make choosing the right one a very confusing experience. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/two-things-you-need-a516.html Another new use of prepaid debit cards come from the currency exchange companies, better known as remittance services. The usual remittance companies such as Western Union and MoneyGram are facing new competition from small companies who are targeting the immigration population by offering speed and convenience in sending money on-line using a bank account, a credit card or a PayPal account. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/collection-agencies-what-do-a515.html Collection agencies are businesses that collect past-due bills and accounts receivable for other persons or businesses in exchange for a fee. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/how-to-choose-your-a514.html If you are confused on selecting a credit card application read this article to gain insight on the best starting point for making your selection. Choosing a credit card should be based upon your credit history. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/do-you-want-to-a513.html These 3 tips can help you figure out how to get the best deal possible on your new credit card. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/7-consumer-credit-laws-a512.html You should be aware of these 7 credit laws when trying to repair your credit. Knowing these laws can and will make the difference between a poor credit score or a great 700+ credit score. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/five-reasons-to-a511.html There are tons of reasons why you should repair your credit score, but I'm just want to show you these 5. I'm sure you will understand why is important to have a 700+ credit score. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/fair-credit-reporting-act-a510.html The Federal Fair Credit Reporting Act (FCRA) is designated to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA) or Credit Bureau. Learn what the law says and repair your credit today! text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/identity-theft-they-a509.html We hear about the statistics of identity theft and sometimes forget those numbers represent an individual's life. One of those numbers just happened to be my business partner. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/tips-for-credit-card-a508.html Moving money from credit card to credit card to take advantage of interest free balance transfers and effectively borrowing money for free. But if you don't do it carefully it could end up costing you money. These tips will help you make the most of interest free balance transfers. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-cards-what-a507.html Many credit card lenders have a policy that allows them to increase your interest rate if you pay anyone late. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/choosing-a-credit-counseling-a506.html If you have considered credit counseling as an option to your financial problems, then you are probably wondering how to choose from one of the many credit counseling companies that are popping up left and right these days. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-counseling-basics-a505.html Credit counseling is an option you might want to consider if you are having financial problems. The stress can be overwhelming when you have creditors calling you daily to collect money that you simply don’t have. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-counseling-could-a504.html In the face of financial hardship, many seeking a responsible solution turn to credit counseling. Credit counseling is, all too often, the last stop before bankruptcy. That is, of course, not to say that credit counseling prevents bankruptcy altogether. text/html 2006-07-05T16:24:18+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/what-you-should-know-a503.html Credit counseling is a free service that many people with money problems have turned to in the face of financial ruin. Credit counseling companies negotiate with your creditors to reach financial solutions that benefit both you and your creditors.