|
FREE
CREDIT REPORT OFFER:
Sound
too good to be true? Well, we're convinced that
once you've tried the CreditCheck Monitoring
Service on a FREE trial basis, you’ll want to
continue with this vital service for staying on
top of your credit. But if you don’t, that’s
okay too--there’s no obligation and no
commitment. And your FREE credit report is yours
to keep!
Why
Check Your Credit Report?
To
stay on top of your credit, it is essential to be
aware of the contents of your credit report. Why?
Because checking your report is the most
convenient way to review your complete credit
history, and make well-informed decisions on all
your past, present and future accounts. Also, it's
a good idea to monitor your report for new
derogatory information and unauthorized accounts
that might affect your credit.
Studies
have shown that many credit files contain
inaccuracies, which could influence the approval
process when you apply for loans, insurance, or
even a job. Often the result of simple human
error, they can be caused by anything from a
clerical error to a computer glitch in which your
file is mixed with that of someone with a similar
name
For more
information Click
Here
|
UK
Credit Cards
Click Here!
|
Your
ONE-STOP
Credit Card Center
With Hundreds of credit
cards available nationwide, we've selected one of
the best credit cards available. For a complete
list of our credit cards available
Poor
Credit, No Credit, No Problem!
Get
a Credit Limit up to $7,500!
Re-Establish
Credit
For people
who want to establish
Or re-establish their credit
To Re-Establish Credit Click
Here
If
you live in the UK Click Here
Shopping
Tips
Keep these tips in mind when looking for a
credit or charge card.
- Shop around for
the plan that best fits your needs.
- Make sure you
understand a plan’s terms before you accept
the card.
- Pay bills
promptly to keep finance and other charges to
a minimum.
- Hold on to
receipts to reconcile charges when your bill
arrives.
- Protect your
cards and account numbers to prevent
unauthorized use. Draw a line through blank
spaces on charge slips so the amount can’t
be changed. Tear up carbons.
- Keep a record
— in a safe place separate from your cards
— of your account numbers, expiration dates
and the phone numbers of each issuer to report
a loss quickly.
- Carry only the
cards you think you’ll use.
We
know access to credit is important in today's
economy. We believe that if you need a credit card
you should be able to get one --even if you've
always thought it was hopeless because of damaged
credit. On the other hand, if you've been able to
keep an excellent credit rating we believe that
you should be rewarded. Please explore our various
credit card programs. One of them will be a good
fit for you. ..
We
believe in your access to credit cards. A credit
card makes life easier today. But casual or
negligent use of a card can cost you money. For
some people that can even lead to financial ruin.
Your
ONE-STOP
Credit Card Center
With Hundreds of credit
cards available nationwide, we've selected one of
the best credit cards available. For a complete
list of our credit cards available
Poor
Credit, No Credit, No Problem!
Get
a Credit Limit up to $7,500!
Re-Establish
Credit
For people
who want to establish
Or re-establish their credit
To Re-Establish Credit Click
Here
Establish
or Re-Establish Credit today.
These Credit Cards are
designed to offer you an opportunity to establish
a positive credit reference or to rebuild your
credit credit. Applicants must be 18 years
of age or older and must be a U.S. resident.
If
you have no credit or would like to rebuild your
blemished credit, this is the card for you! This
credit card is also a good solution for students
without a solid employment record. If you make all
your payments on time and pay substantially more
than the minimum due each month, you will be
eligible to receive a credit line increase. This
type of program is designed to allow individuals
to increase their annual credit line by
establishing credit worthiness with the issuing
bank. If
you have been turned down for a credit card in the
past, you could qualify to receive a MasterCard ®/Visa
®.
Regardless
of which credit cards you choose, the main thing
is to use them responsibly so you avoid
problems down the road. In addition, make
timely payments in order to keep those low fixed
interest rates. There is nothing worse than
raking up a credit card and then having the rate
go through the roof !!
-
If
your application for credit, insurance, or
employment is denied because of inaccurate or
incomplete credit information, the company to
which you applied must give you the name and
address of the reporting credit bureau.
-
There
is no charge to dispute mistakes or outdated
information on your credit record. Ask the
credit bureau for a dispute form and submit it
with any supporting documentation.
-
Bankruptcy
information can be reported for 10 years
No
Credit At All? Past Credit Problems? Current
Credit Problems including late pays, charge off,
judgments, tax liens, bankruptcy? We can help you
get a break by applying for Secured Visa or
Secured MasterCard! These Secured Credit Cards are
designed for people who have not established
credit, or have had past credit problems or
currently have credit problems.
Re-Establish
Credit
For people
who want to establish
Or re-establish their credit
To Re-Establish Credit Click
Here
What
Is the Outstanding Balance?
- Average
daily balance method including new purchases.
The balance is the sum of the outstanding
balances for every day in the billing cycle
(including new purchases and deducting
payments and credits) divided by the number of
days in the billing cycle.
- Average
daily balance method excluding new purchases.
The balance is the sum of the outstanding
balances for every day in the billing cycle
(excluding new purchases and deducting
payments and credits) divided by the number of
days in the billing cycle.
- Two-cycle
average daily balance method including new
purchases. The balance is the sum of the
average daily balances for two consecutive
billing cycles. One daily balance, that for
the current billing cycle, is calculated by
summing the outstanding balances for every day
in the billing cycle (including new purchases
and deducting payments and credits) and
dividing that total by the number of days in
the billing cycle. The other daily balance is
that from the preceding billing cycle.
- Two-cycle
average daily balance method excluding new
purchases. The balance is the sum of the
average daily balances for two consecutive
billing cycles. One daily balance, that for
the current billing cycle, is calculated by
summing the outstanding balances for every day
in the billing cycle (excluding new purchases
and deducting payments and credits) and
dividing that total by the number of days in
the billing cycle. The other daily balance is
that from the preceding billing cycle.
- Adjusted
balance method. The balance is the
outstanding balance at the beginning of the
billing cycle minus payments and credits made
during the billing cycle.
- Previous
balance method. The balance is the
outstanding balance at the beginning of the
billing cycle.
|
Application
