Managing Credit

Your credit report and credit score is what tells the world how financially secure and responsible you are. More so than ever, your credit is of utmost importance. Potential credit offerings and interest rates are based on your ability to pay and your past credit history and now, potential employers are looking more and more at credit reports as a way to judge your level of responsibility. We here at PaydayLoansCashAdvance, are more than just a payday loan /cash advance company. We’d like to help you in managing your credit and getting the most that life has to offer with some of the following credit management articles.

Avoid Sneaky Credit Card Charges

Credit cards can be a useful tool for managing your budget and making larger investments, although you can easily end up spending much more than you bargained for. The extra cash you end up owing can come from a slew of sneaky credit card charges that credit card companies tack on for a number of items you may not have even considered. Read more

Bankruptcy – How to File

If you feel as though you are drowning in debt and do not see a light at the end of the tunnel, it may be time to consider filing for bankruptcy protection. Unexpected circumstances such as a medical emergency or the loss of employment can cause you to suddenly find yourself with no apparent way out of the mountain of bills that arrive in your mailbox each month. Read more

Choosing a Credit Counseling Company

When your credit gets out of control, it might be necessary to seek credit help to get back on track. Although you have many options available, credit counseling is a good choice because it can give you the tools you need to get your credit back under your control and maintain your good credit in the future. Read more

Clearing Errors from Your Credit Report

Credit report errors often occur and this can unfairly damage someone’s overall credit score and, in turn, make it difficult for them to borrow the money they need to live the life they deserve. If this has happened to you, we can offer a number of solutions to correct your credit report errors and fix your score. Read more

Credit Card Rewards – Get them Free

Just about every credit card out there offers some sort of free rewards program when you use and spend money with that particular credit card. These range from free hotel rooms to points that work as cash to airline miles to actual cash refunds for all the purchases you make. Read more

Disputing a Credit Card Charge

One of the more frustrating things you will probably have to deal with in your month to month financial life is disputing a credit card charge that should not be on your statement. This can occur for a number of reasons, but is usually when a company or person charges you for something they shouldn’t or that you don’t believe you should be charged for. Read more

Does Cancelling a Credit Card Affect your Credit Score?

If you are considering cancelling one of your credit cards, the effects that cancelled credit card can have on your credit score may surprise you. If you are not carrying a balance on the card, then closing out the account may seem like the most logical thing for you to do. Read more

How to Evaluate your Credit Score

Your credit score is one of the numbers that plays a significant part in your day to day life. In fact, this number can have a profound effect on all sorts of different decisions that you need to make throughout life. When you need to borrow money, lenders will take a look at your credit score as a risk assessment to determine if you are a reliable or risky borrower. Read more

Improving Bad Credit in Simple Steps

A credit evaluation is done by banks, insurance companies and lenders whenever you request a loan for a large purchase, such as a vehicle. The credit score will alert the lender as to how well you manage your finances, your income and if you pay your bills in a timely fashion. Read more

Making a Good Credit Score Great

Credit scores are not a mystery. Just about everyone is familiar with them. They’re based upon your spending habits, how much debt you owe, how you pay your bills, how long you’ve been paying and a number of other factors. Your credit score (or “FICO score”) often determines if you will be able to get a loan for a home or a car, as well as the terms and interest rate you will pay. Read more

Managing Joint Credit

It is not out of the ordinary to see married couples, individuals in committed partnerships and those in other family relationships utilize joint accounts and most importantly, joint credit. The difficulties involved in managing joint credit can be as complex as the relationships of the people involved. Read more

Safeguarding your Credit

The sad truth is that consumers are in constant danger of being scammed and ripped off by thieves who find ways to steal the personal information of unsuspecting victims. They use this information to receive loans, open bank accounts or get new credit cards fraudulently. The result is untold damage to the victim’s credit that can take years to repair. Read more

The Right Number of Credit Cards

Some tips for how many credit cards you should try to have and how you can best manage them. These rules are not the same for everyone but are good ones to go by when you are first getting into the credit card lifestyle. Read more

What Credit Scores Affect

Do you truly understand what your credit score is and what it actually affects? If you do not, you could be doing some serious damage to your financial reputation and not even realize it. In fact, many consider your credit score to be one of the most important numbers in your life. Read more

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