19,178 Identity Theft Victims Per Day - Are You One Of Them?

Identity theft statistics are shocking. And we are told that it will only become worse, before it gets any better. Are you likely to be affected? According to recent studies, up to 7,000,000 people become identity theft victims each year, in the United States alone. That's over 19,000 cases a day, or 799... Read More

Credit Damage: Getting Compensated for Your Loss

Until recently lawyers for victims of credit damage had little possibility to collect for damages beyond medical treatment, lost wages and property loss. Insurance companies threw up their hands in sympathy, claiming victims can only be compensated for what can be measured - tangible goods and services. But, what happens when the victim... Read More

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days

In Less Than 30 Days. "What can you do to increase that set of three numbers on your credit report that can be so important with your financing?" I came across this question as I was surfing discussion groups the other day. Check out my answer: Dear Friend, Here are 3 steps I... Read More

To Repair Credit Is No longer Satisfactory - Learn How To Earn A Millionaires Credit In 30 Days...

To repair your bad credit does not necessarily mean that you now have a good credit, absolutely not. When most people have bad credit, they either purchase a credit repair book or seek a credit expert help. But before you do anything about your bad credit you need to understand few things that... Read More

4 Steps to Creating Good Credit

As a consumer you've learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.A bad credit history or bad credit... Read More

Beware of Falling Minimum Payments

If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don't be so quick to "jump for joy". What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a... Read More

Convenience Can Be Costly

You've just opened your credit card bill and attached to your statement you find a "convenience check" included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this "instant" money. A new summer wardrobe,... Read More

Credit Repair Scams

"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've probably seen these headlines and others just like it promising to clean up or "fix" bad credit. For someone who suffers from a bad or poor credit rating, these headlines are certainly an appealing offer.Imagine finally being able to buy that new car,... Read More

Debit Card vs. Credit Card, What Are The Differences ?

Ah, the "good old days". If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday. You had to get there before the teller lanes closed so that you could have your "cash allowance" for the week. Otherwise, if you needed... Read More

How Healthy Is Your Credit

There's only one way to discover the "health" of your credit. You need to examine your credit report. Your credit report is your "consumer identity" that potential lenders will use to judge your credit worthiness.Use these tips to give your credit profile the "tune-up" it needs for 2004.Tip #1- Check for Errors Your... Read More

Top 5 Credit Misconceptions

We have all heard the rumors?from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to provide you with the truth... Read More

Your Guide On Choosing a Credit Card To Suit You

Reach into your wallet or purse, pull out a card, swipe, and you're done. It is very easy to use a credit card. The problem lies in choosing a card ? and it has nothing to do with the picture on the front! Choosing a credit card that works best for you is... Read More

4 Steps You Can Take If Your Online Credit Card Application Has Been Refused

Help! I've Been Turned DownYou received an envelope in the mail with a great offer for a low interest credit card. You read all the details, even the boring small print and decided that this card fit your needs to a tee. You filled out the required forms and anticipated the day that... Read More

7 Surefire Ways To Repair Bad Credit

Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national 'disease.' And just what do people need that have a disease? They need a cure.Here are some sure-fire solutions to '... Read More

In The News:

Yahoo! News: Top Stories

A trader works on the floor of the New York Stock Exchange, November 20, 2008. (Shannon Stapleton/Reuters)AP - With no end in sight to economic bad news, President George W. Bush on Friday ensured that millions of laid-off workers will keep getting their unemployment checks as the year-end holidays approach.



Two people walk near the emergency entrance of George Washington University Hospital in the early morning hours of Friday, November 21, 2008 in Washington.Attorney General Michael Mukasey was taken to George Washington University Hospital after collapsing during a speech Thursday night.  (AP Photo/Lauren Victoria Burke)AP - Attorney General Michael Mukasey was conscious and alert early Friday — and took a get-well call from President Bush — just hours after he collapsed during a speech to a black-tie dinner.



A board on the floor of the New York Stock Exchange shows the closing number for the Dow Jones Industrial Average Thursday, Nov. 20, 2008.  Stocks have plunged again to levels not seen in more than five years as hopes fade that lawmakers will soon put together an aid package for U.S. automakers. (AP Photo/Richard Drew)AP - Wall Street found some relief Friday from a report that a pounded-down Citigroup Inc. might put itself up for sale. That prospect, along with the possibility that low prices will draw in bargain-hunters after two days of steep selling, sent stock futures sharply higher.



A protester uses his shoe to strike an effigy of U.S. President George. W. Bush, in an expression of contempt, as thousands of followers of Shiite cleric Muqtada al-Sadr converged on Firdous Square in central Baghdad, Iraq for a mass prayer to protest a proposed U.S.-Iraqi security pact on Friday, Nov. 21, 2008.(AP Photo/Karim Kadim)AP - Followers of a Shiite cleric on Friday stomped on and burned an effigy of President George W. Bush in the same central Baghdad square where Iraqis beat a toppled statue of Saddam Hussein with their sandals five years earlier.



Local women sit on the banks of the Suez canal as a Suez Canal Authority pilot boat passes by in Ismailia, Egypt, Thursday, Nov. 20, 2008. Major shipping companies said that they are considering other options including avoiding the passage through the Suez Canal to avoid having to go through the Gulf of Aden due to increasing piracy risks - meaning longer, costlier trips around the southern tip of Africa. (AP Photo)AP - Somali pirates have collected more than $150 million in ransoms over the past year, Kenya's foreign affairs minister said Friday, calling on ship owners not pay when their vessels are hijacked.



In a Jun 27, 2008 file photo  Sen. Barack Obama, D-Ill., takes the stage with Sen. Hillary Rodham Clinton, D-N.Y., at a campaign event in Unity, N.H.,    President-elect Barack Obama plans to nominate  Clinton as secretary of state after Thanksgiving, an aide to his transition said Thursday, Nov. 20, 2008. (AP Photo/Elise Amendola/file)AP - President-elect Barack Obama plans to nominate Hillary Rodham Clinton as secretary of state after Thanksgiving, a new milestone for the former first lady and a convergence of two political forces who fought hard for the presidency.



In this  Monday, Nov. 17, 2008 file photo, Lavennia Coover of Decatur, Neb., who gave up her 11 year-old son under Nebraska's safe haven law on Sept. 24, 2008, testifies before the Judiciary Committee, during a public hearing in Lincoln, Neb., on bills that would amend Nebraska's safe-haven law.  Friday, Nov. 21 will likely be the last day parents can abandon troubled teens at Nebraska hospitals, but lawmakers aren't patting themselves on the back. Instead, they're vowing to make sure families can get help in a crisis. (AP Photo/Nati Harnik)AP - Lawmakers are poised to close a loophole that led to troubled teens being abandoned at Nebraska hospitals, but they aren't stopping there. Instead, they're vowing to make sure families can get help in a crisis.



In this Dec. 2, 2007 file photo, director Guy Ritchie and his wife Madonna attend a special screening of 'Revolver' in New York. A court schedule says Madonna and Guy Ritchie will be granted the first stage of their divorce in London Friday, Nov. 21, 2008. London's High Court lists 'Ciccone M L v Ritchie G S' as one of 16 cases listed for 'matrimonial and civil partnership causes for pronouncement of decree.'  (AP Photo/Evan Agostini, file)AP - The show-business marriage that began in a Scottish castle came to an end in a drab London courtroom Friday as Madonna and Guy Ritchie were granted a preliminary decree of divorce.



AP - When you gotta go, you gotta go. But for decades, when you had to go in the Roxbury Free Library, you really had to go — somewhere else, that is.

Pittsburgh Steelers safety Troy Polamalu (43) brings down Cincinnati Bengals running back Chris Perry (23) after a gain of 15-yards during the fourth quarter of a  NFL football game  in Pittsburgh, Thursday, Nov. 20, 2008. The Steelers won 27-10. (AP Photo/Gene J. Puskar)AP - Ben Roethlisberger and the Pittsburgh Steelers know exactly how to beat the Cincinnati Bengals — with or without Chad Ocho Cinco.



President-elect Barack Obama and Senator Hillary Clinton attend a campaign rally in Orlando, Florida, October 20, 2008. (Jim Young/Reuters)Reuters - Retired Marine Gen. James Jones emerged as a leading contender for White House national security adviser as President-elect Barack Obama worked on Thursday to assemble his foreign policy team.



A man looks at his bank book in front of a Citibank branch in Taipei November 20, 2008. (Nicky Loh/Reuters)Reuters - Euro zone demand is plunging and price pressures vanishing, business surveys showed on Friday, while central bankers weighed the bleak prospect of deflation.



U.S. Attorney General Michael Mukasey addresses the Commonwealth Club in San Francisco, California in this March 27, 2008 file photo. (Robert Galbraith/Files/Reuters)Reuters - President George W. Bush spoke with U.S. Attorney General Michael Mukasey on Friday and the top U.S. law enforcement official sounded well after collapsing during a speech, the White House said.



President George W. Bush delivers remarks to employees at the Department of Transportation in Washington November 18, 2008. (Jason Reed/Reuters)Reuters - President George W. Bush on Friday signed into law an extension of unemployment benefits, the White House said.



Demonstrators chant slogans during a rally at Firdos square in Baghdad November 21, 2008. (Ceerwan Aziz/Reuters)Reuters - Followers of Shi'ite cleric Moqtada al-Sadr marched on Friday against a pact letting U.S. forces stay in Iraq until 2011, toppling an effigy of President George W. Bush where U.S. troops once tore down a statue of Saddam Hussein.



Pedestrians walk past a Citibank branch in Singapore November 18, 2008. (Vivek Prakash/Reuters)Reuters - Citigroup Inc lost more than one-quarter of its market value on growing worries over whether it has enough capital to withstand billions of dollars of potential losses and despite new support from its largest individual investor.



President-elect Barack Obama on the phone with a potential voter during his visit to a campaign field office in Charlotte, North Carolina, November 3, 2008. (Jason Reed/Reuters)Reuters - Verizon Wireless said on Thursday that some employees had gained unauthorized access and viewed a personal cell phone account held by President-elect Barack Obama that is now inactive.



Six of the eight pirates handed over by British authorities to Kenyan police in Mombasa are seen in this frame grab November 19, 2008. The British navy captured the Somali pirates after the attempted hijacking of a Danish cargo ship in the Gulf of Aden on November 11. (Reuters TV/Reuters)Reuters - Dozens of Somali Islamist insurgents stormed a port on Friday hunting the pirates behind the seizure of a Saudi supertanker that was the world's biggest hijack, a local elder said.



US soldier searches for insurgents during a patrol of Afghanistan's Kandahar province in 2007. The National Intelligence Council (NIC) report is vague about the outcome of current conflicts in Iraq, Afghanistan and Pakistan.(AFP/File/Nicolas Asfouri)AFP - The use of nuclear weapons will grow increasingly likely by 2025, according to a bleak US intelligence report that warns that US global dominance is likely to weaken over the next two decades.



Iraqi Shiites protest in central Baghdad. Thousands of Shiite followers of the firebrand anti-American cleric Moqtada al-Sadr gathered in Baghdad to protest a security accord that would allow US troops to remain in Iraq until 2011.(AFP/Ali al-Saadi)AFP - Thousands of Shiite followers of the firebrand anti-American cleric Moqtada al-Sadr gathered in Baghdad on Friday to protest a security accord that would allow US troops to remain in Iraq until 2011.



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What Is A FICO Score?

A credit score is most commonly known as a FICO score. FICO... Read More

How To Save Money On Credit Cards

Some credit cards offer a cash advance option. But how good a... Read More

Recognizing the Signs that You Might Need Credit Counseling

Most families in America today have a credit card; some have two... Read More

The Truth About Credit

What you might not know about credit.Some people don't know about a... Read More

Watch Out For Credit Repairs

It is very easy to find a site that is neat, professional-looking,... Read More

Finding What is on Your Credit Report

A credit report is basically a file about you kept by lenders... Read More

Dont Trade Your Future for Todays DooDads

"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the... Read More

Credit Card Rates - Negotiating Rates with Your Credit Card Company

Ok, let's face it, everybody hates high credit card rates, and they... Read More

Top 7 Factors to Consider While Reviewing Credit Card Offers

Credit cards have migrated from being hip or convenience product into a... Read More

Credit Reports Inside and Out

The Credit Report is like your scorecard in the lending world. Every... Read More

Automobile Credit Report

When applying for a loan to purchase a car, the lender will... Read More

Is it Safe to Use Online Car Finance?

Online car finance is convenient. You can apply over the net and... Read More

Common Credit Score Myths

A lot of credit score myths about fico score ratings get spread... Read More

Avoiding ID Theft and Credit Fraud

Article excerpted from the new book, "How to Do Space Age Work... Read More

How to Avoid Credit Card Late Fees

Everyone hates late fees and being late will cost you dearly these... Read More

Credit Damage: Getting Compensated for Your Loss

Until recently lawyers for victims of credit damage had little possibility to... Read More

Consumer Credit Reports

A consumer credit report is a factual record of an individual's credit... Read More

Do You Know The Top Five Credit Card Mistakes?

When you're dealing with credit cards, you're playing with fire. Unfortunately, there... Read More

7 Surefire Ways To Repair Bad Credit

Do you have a poor credit rating? If so, you are one... Read More

Free Credit Reports - How to Maintain Your Credit Profile

Maintaining your Credit ProfileEvery consumer should be maintaining their credit profiles to... Read More

Good Credit Is a Necessity for Everyday Living

Most of us want a good credit report to obtain vehicle financing,... Read More

Credit Repair Myths and Facts

There are no secrets to repairing your credit. Many shady credit repair... Read More

Credit Scores and Loan Applications

Keep Your Credit History Clean - Remove A Negative Credit Record From... Read More

Credit Card Security Advice

Which of the following is the biggest threat to your credit card... Read More

Bad Checks, Bounced Checks, & NSF Checks

Negotiable instruments like checks and drafts have become an indispensable part of... Read More

Credit Report ? Check Yours Regularly - and for Free

In the twenty-first century, there are few documents that have a greater... Read More

Restore Your Credit Rating And Reduce Your Debts

Your credit rating affects many areas of your life. Opening new credit... Read More

Making Sense of the Information in Your Credit Report

If you've ever applied for a credit card or loan, you've probably... Read More

Special Credit Information for Married Couples

If you are married, establish separate credit accounts.Try to finance real estate... Read More

Credit Card Debt: How To Control It

A lot of people spend more money than they can afford to... Read More

Credit Cards - The Top 3 Things You Need To Know

Today there are so many different credit cards available, student prepaid, low... Read More

Learn How to Improve Your Credit Score

Having a damaging credit record can hurt you in many ways. It... Read More

How to Improve Your Credit Rating

So you got into debt, had problems but you got yourself back... Read More

Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards

Secured Credit Card is similar to a prepaid credit card since the... Read More

Why Your Credit Score is Important

Your credit score can either haunt you or reward you. It all... Read More

The Credit Card Surprise That You Need to Look Out For

Companies that issue credit cards want to make a profit. No one... Read More

Good Credit -- Essential for the Prospective Home Buyer

Credit is a funny thing. It can be a useful tool in... Read More

Credit Counseling: Could it Work for Me?

In the face of financial hardship, many seeking a responsible solution turn... Read More

Fair Credit Reporting Act: What You Should Know About It?

The Federal Fair Credit Reporting Act (FCRA) is designated to promote accuracy,... Read More

Establishing Credit ? What You Need To Know Part 1

Establishing credit is one of the most important things you can do... Read More

When You Are Eligible For A Free Credit Report

By Federal law, you are entitled to one free credit report per... Read More

A Summary of the Fair Credit Reporting Act

This summary of the Fair Credit Reporting Act will explain what you... Read More

Credit Cards For People With Bad Credit Scores

Sometimes life lands you in a situation that causes your credit to... Read More

Taking Control of Your Credit History

Your credit history is important; in fact, in this day and age,... Read More

Lower Your Credit Card Interest Rate Now!

With today's credit card companies, there are many opportunities to get your... Read More

Bad Debt Recovery

Bad Debt IdentificationIdentifying bad debt is not as easy as it sounds.... Read More

Credit Cards or Store Cards - Which Is Better?

Introduction In this article, a presentation is made of the differences between... Read More