Latest articles from Financial Help with credit counseling,Low Interest Rate Credit Card,and Credit Card Apply (http://www.financial-helps.com) http://www.financial-helps.com 2008-11-21T19:36:27+01:00 text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-card-dirty-tricks-a526.html There are many of us that have been badly stung by credit card companies that have charged exorbitant fees to use their credit cards. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/the-ghost-of-expected-a525.html Here, Cratchet, what do you think you’re doing? Uh, er, leaving sir. Leaving? It’s 5 minutes to the hour. Shall I dock your pay accordingly. Uh, er, no sir. No sir? Well it’s back to work for you the... text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/how-to-prevent-fraudulent-a524.html What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies? Customer wants to pre-pay for a year; Domain Name Registration for 5 years or more; Orders using free email address... text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-card-shocker-a523.html Have you ever looked at your credit card statement? I’m not talking about just making sure that all the transactions are correct. I’m talking about looking at the finance charges. I daresay that so... text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/how-to-deal-with-a522.html If you want to keep the goods you should ask the creditor to agree to a payment arrangement with you. The creditor is most likely to accept if you can afford the full monthly instalments plus something towards the arrears. If you can't make the full payments, the creditor may agree to reduce the payments, but usually by a small amount and only for a short time. In certain circumstances you may be able to go to court and ask to pay less than the full monthly instalment and extend the length of the agreement. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/bailiffs-amp-council-tax-a521.html Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf of your local council. They try to take your goods away and sell them, usually at auction, to raise money to pay the debt. The process they have to follow to say they want your goods is called ‘distraining’ or ‘levying’ text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/it-is-in-your-a520.html Credit card interest rates are out of sync with interest rates in general. Find out why it costs you so much to pay off that credit card. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/tackling-bad-credit-a519.html We often hear about credit history and how it affects ones chances of qualifying for a loan. What we do not know are the reasons that make or mar the credit history. Through this article we have tried to explain the reasons for bad credit and how we can escape them. Some of these are controllable like arrears that can be minimised by a change in the spending pattern. Others like divorce are uncontrollable. Read the article for a better management of credit. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/understanding-your-credit-score-a518.html Understanding your credit score can help you improve it, which can result in better rates on loans. In this article, you will learn the basics of interpreting your credit score and what actions you can take to improve it. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-reports-why-a517.html Your credit score is a lot more than just a number, and it is used by all manner of businesses for all kinds of reasons. Here is what you should know about your credit score. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-suicide-a516.html Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, “the three screw-ups”. There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a source to determine levels of risk for lending money… and the Fair Isaac Company is where it lies. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/can-credit-search-entries-a515.html Every time a lender checks your credit history from your credit file (i.e. each time you apply for a loan), your credit-file will have a record of this. These records are known as search entries. Too many search entries could well be a major factor in being declined for new credit. Here are some tips to ensure this does not happen to you. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/free-credit-reports-a514.html Every consumer should be maintaining their credit profiles to ensure the highest scores possible and prevent cases of identity theft. Don't be a victim! text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/figuring-out-the-ever-a513.html Ever wonder why your credit score went up or down drastically in the matter of a few days? Find out what items effect your credit and how to manage your credit effectively. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/different-ways-to-borrow-a512.html There are many different ways to borrow money. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/dont-trade-your-future-a511.html “Easy Low Down Monthly Payment,” “Buy Now Pay Later,” “You Deserve the Car Today and We Can Finance It for You,” & “Spend Today, 0% APR until Next Year!” We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/how-does-a-creditor-a510.html Tired of being denied credit? It's time to take control of your finances for good! text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/making-sense-of-the-a509.html If you've ever applied for a credit card or loan, you’ve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it’s well worth your time to be sure that you understand what your credit report says about you. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/your-credit-card-may-a508.html Do you know what your credit card is truly costing you? Many people assume that they do, but aren’t familiar with the hidden fees that many credit card companies are charging. In fact, if you don’t keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year—without ever really knowing it! text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/rate-tarts-losing-ability-a507.html Credit card introductory period offers due to be phased out following massive losses by providers.