What are Credit Card Processing Merchant Services?

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Most Credit Card Processing Merchant Services charge a fee. The fee is usually a percentage plus a set dollar amount per transaction. For example, if the fee is 3% + $0.30 per transaction, the total f

It's Possible to Repair Bad Credit!

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To repair your credit, you must assert your legal rights as a credit consumer. But before you can assert your legal rights to improve your credit score, you must know your legal rights. For this we turn to the Fair Credit Reporting Act (FCRA). The FCRA is primarily concerned with the regulation of c

A Closer Look At Instant Approval Credit Cards

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Credit card applications these days have begun to provide clients with an instant approval feature. Meaning, the person applying for a credit card would easily know whether he or she is eligible for applying. This process of instant approval is basically used online or through the internet.

Credit Reporting Rules for Creditors

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In 1970 Congress passed the Fair Credit Reporting Act (FCRA), which contained many facets of law aimed at protecting the rights of consumers. Strict rules govern permitted purposes of credit reports, requirements for information in a credit report, disclosure of information and compliance procedures

How To Fix Your Credit Score

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Information about how I raised my credit score from 570 to 710 in just months.

What Happens After 120 Days of Non-Payment On a Credit Card?

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People often neglect credit card debt before other bills when they start to have financial problems. Most would argue that it is more important to pay for necessities like rent or mortgage, groceries and utilities. Credit card non-payment consequences are less drastic than being evicted, having your

How to Correct and Remove Negative Information From Credit Reports

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The strategies for correcting or removing bad accounts from a report usually depend on the type of account you want to have removed. Though, other factors such as the expediency of fixing your file can also influence which method you apply for particular accounts. However, you must be sure that you&

Credit Card Rights When a Cardholder Dies

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When a credit card user dies, what happens to the credit card and the debts incurred on the account differs depending on the circumstances of the credit card agreement. Though a person who used a deceased person's credit card may still be able to use the card after the card holder dies, this is not

Use Business Credit Cards For Building Business Credit

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One way to make your business flourish is by building business credit. It comes handy when you want to seek financial assistance to expand your business. One of the simplest ways to establish business credit is by using a business credit card.

What My Credit Score Means

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Many years back, I often wondered what the three-digit numbers on each of my credit reports meant. That was before I ever took classes in college. As I found out years later when I began working as a realtor, I realized that one's credit score is used as a simple assessment by decision makers e

What You Should Know About the Fair Credit Reporting Act

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The Fair Credit Reporting Act (FCRA) was passed in 1970, but in 2003 a very important amendment was added, the Fair and Accurate Transactions Act (FACTA). This is important if you want to maintain good credit.

Care Credit

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Care Credit offers healthcare financing through over a hundred thousand providers to help their consumers. Care Credit may be used for many different types of medical treatments. This is a card that can be used to pay for medical treatments, stretching out one large bill into a manageable, drawn out

Using the Services of a Credit Counselor

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However dealing with credit cards debt is not easy, paying off their balance is even more difficult. If we fail to do this in time, we are forced to pay high interest and put at risk our credit score. In such a situation we may have to use the services of a credit counselor.

What Does Credit Card Charge Off Mean?

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A credit card charge off is the counter action being implemented by the bank and bill collector after six months of non-payment. When this happens, the bank does not count it in their assets already and will report it as loss in their accounting records.

The Benefits of Prepaid Discount Cards

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Prepaid gas cards are quickly gaining in popularity because of recent astronomical increase in the price of oil which has resulted in high than anticipated gas prices. As economists grapple with the reasons why gas prices are going through the roof, people are reeling from the effects of what the me

What is the Check 21 Act?

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Check 21 is the common name for the Check Clearing for the 21st Century Act.It's new legislation that was recently passed by congress and made a law when signed by the President of the United States (remember "I'm just a bill" from Saturday morning cartoons).

Credit Cards Easy To Get

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Everyone wants a credit cards that are easy to get, preferably with no interest and great awards.To understand current trends in credit, it is necessary to look at the evolution of credit cards easy to get. For many people throughout the world, credit cards have become an important tool for personal

Student Credit Cards: Enjoy The Freedom

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Student credit cards are very easy to obtain and take care of all the needs of a student. The credit limit of the cards is limited but sufficient enough to take care of the students needs. Not only will this, by using the cards students get a first hand experience on managing their finances.

Credit Repair: Cleaning the Mess in Your Credit Report

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An important factor that plays an important role in maintaining a clean credit report is actually the contents of your credit report. The credit report is pretty much the story of your financial life, contained ...

How to Get an Unverified Debt Removed From the Credit Bureau

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Credit reporting agencies, also known as credit bureaus, maintain a file listing all of your debts and your payment history on these accounts. You have a right, under the Fair Credit Reporting Act, to dispute any piece of information on your credit report that you believe is incorrect. When the cred