CREDIT CARDS & LOANS
Establish a Good Payment History.
Taking on the credit reporting agencies and your creditors is not an easy task at all. There are tricks and solutions that you need to know to make the system work for you.
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Learn everything you need to fix your credit today. Remove bad from your report. Get all the forms and tools you need to repair your credit now! |  |
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This CD will help you understand how o live a life of a credit worthy consumer. It’s packed with all the things you MUST know to maintain your credit rating. |  |
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DOWNLOAD OUR CREDIT GUIDE 
Learn how banks analyze credit.
Understand the FICO Point System
Learn to create a Budget
Get a list of banks that like to say yes, regardless of your credit history.
Get use out of the 100 word statement.
Removing Bankruptcy
Discover the laws the creditors don't want you to know about.
Learn what advantages women have in the world of credit.
Understand what collection agency's aren't allowed to do
Discover the tricks the professionals use to eliminate negative markings.
Uncover the ways to put positive items on your credit record.
A few words fromfolks we’ve helped
“Wow, I was in debt and needed a lot of help getting my credit rating back...”
Allan
Scranton, PA
“My credit was in bad shape after my divorce but your guides helped me restore it myself...”
Georgine
Souix Falls, SD
getting a new credit card
Download our Guide and discover all the details online.
For a complete listing of credit card companies that offer secured, partially secured and unsecured credit cards at decent rates, be sure to download a free copy of "The Way to Good Credit" Guide!
The history of credit cards began in the early part of the twentieth century. The original credit card was offered to preferred customers of some exclusive hotels. Now credit cards are offered and used by almost everyone.
If you have used "plastic money" before, and found yourself sinking into debt, please be wary before using it again. You should use a credit card carefully. Interest rates on plastic money are much higher than on conventional loans. Since the 1986 Tax Reform Act, interest charges are no longer deductible. This should make you, the consumer, more aware of how much interest you are paying.Pay your balance as quickly as possible and try to avoid excess finance charges. Be aware of how much the convenience of your plastic money is costing you.
Applying for a credit card:
- Apply at a local retailer. These merchants seem to judge more by face value than credit history.
- Find out the requirements that will qualify you. This can be done by phone.
- Take care in filling out the application. Ask for two forms--one to use as a worksheet, the other to submit. Write neatly and be complete with all required information.
- A secured credit card is a good way to establish, or re-establish, a line of credit. A secured card is one that uses a savings account, or C.D. account, as collateral. This eliminates the credit card company's risk. Chances are if you have a negative credit history, or no credit history, this will be the only kind of plastic money available to you.
Remember, credit cards can entice you to overspend. You should use a credit card wisely, and for convenience only. Exercise good judgment, and prove your creditworthiness.
The Equal Credit Opportunity Act applies to credit card applications as well. Use your rights for equal opportunities.
More details and information regarding the credit cards and loans are available online in "The Way to Good Credit" Guide. We also include charts and graphs to help you create the budget that meets your lifestyle.
