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There are many ways that you can follow to get yourself out of credit card debt and, given the current economic situation, you really should find out fast which one will work best for you. Credit card companies nowadays are suffering from the economic slow down.They are particularly hurting from the high default rate of borrowers. What’s more, with the new credit card bill legislation looming in the distance, credit card companies are all for covering their risks as soon as possible. For you as
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My husband and I both know there is some padding in our checking account. Paying overdraft fees is a pet peeve of mine so I try to make sure we have a little more than we think. This month, we both used the debit card a few times and before we knew it, the padding was gone and we were well over our budget. I had to do a pricey and frustrating balance transfer from our savings to avoid an overdraft. I am very disappointed. This event led to the following changes: 1. More involvement by b
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Your credit report information can equal the distinction between a “yes” and a “no” on your next big buy or on your next charge card. This can be a large issue if you are planning an event such as a wedding. You try to get credit for that purchase of wholesale wedding favors and are summarily turned down! It’s terrible. We pretty much know what pieces of information are shown on the tell-all expose of our debt history. The basic information includes name, address, telephone number, socia
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A few days ago, the legendary and super talented pop icon, Michael Jackson, suddenly and inexplicably passed away at the age of 50 due to cardiac arrest. After a long and glorious (but controversial) entertainment career that spanned 40 years and included the world’s best selling music album of all time – “Thriller”, the self anointed King of Pop was finally laid to rest in peace. Perhaps it was his enormous talent or his seemingly gentle nature, but I have always managed to overlook his eccentr
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A. Nutt When businesses decide to apply for a merchant account, they must meet a number of requirements in order to obtain and maintain the account. The requirements may vary from bank to account, but there is a general list that new businesses should be aware of before applying for an account. A merchant account is a financial contract between a business and the bank that issued the merchant account. It is basically an open line of credit that is issued to a merchant by an acquiring bank.
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I am not a big fan of purchasing credit scores. I can understand why a lender would pay to get a calculation of your likelihood of defaulting on your loan, but if it’s based on our data, why do we have to pay just to see it? Even if I am declined for a loan, I can only see my report, not the numerical score that supposedly defines my financial life. There are plenty of “fake” credit scores out there, but there is no way to get your real FICO scores anywhere but myFico.com . If you
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Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance topics and many other things. Got a question? Ask it in the comments. You might also enjoy the archive of earlier reader mailbags . I’m 22 and I’ll be starting grad school in the fall. I have almost enough cash in the bank to pay tuition for my two year program (including the mandatory summer semesters), but I don’t have any additional cash fo
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This is a guest post by John of Mighty Bargain Hunter . If you like what you see here, please consider subscribing to his RSS feed . Americans collectively have well over a billion credit card accounts. Some of those accounts make the credit card companies very, very rich. I’m talking, of course, about those that belong to people that carry large balances every month. Since we’re all familiar with the evils of credit card debt, I thought I’d balance the discussion with twelve reasons why
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It can be extremely difficult to pay off your debt when you don’t know where to start. Prioritizing your various debts is a great place to begin to get debt-free and will also help you save the most money while you pay down what you owe. Prioritizing is simple; you simply need to take a good look at your debt and decide what’s important. Step One: Find out which is more important to you– a high balance or a high interest rate. The best way to pay off your debt is to save money while you do i
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The credit crisis has everyone worried about their financial stability. In this tough economic times, credit cards have become a vital life line for every American consumer. Thus, their worries about not being able to make the monthly payments and losing available credit is quite valid. It is also quite understandable why many American consumers are very interested in protecting their credit. However, one thing they should never do is get credit card protection. Here is why.American consumers ha
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