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 2008-11-21T21:42:00+01:00 text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-report-how-a466.html Most consumers are aware that they have something known as a credit score. Few know what factors are used to create that score. Here are some details. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/home-loans-repair-a465.html There are companies that offer to “fix” problems on your credit report. Here’s what you need to know to fix the problems yourself. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/manage-your-credit-wisely-a464.html Getting your first credit card is a big deal and all young people look forward to it with bated breath. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/what-does-your-credit-a463.html What is a credit score and how is it calculated? Learn how to maintain a decent credit score. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/warning-free-credit-report-a462.html A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months. However, a new form of phishing, is manifesting itself even before access to free credit reports is available for all Americans. You need to be careful that you are on the official website to request your report. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-report-secrets-do-a461.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. Even if you’re not interested in obtaining credit, your credit report can impact other areas of your life. Potential employers view your credit report to assess your trustworthiness as an employee. Landlords frequently check the credit reports of their tenants before allowing them to sign or renew their lease. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/identity-theft-monitor-a460.html Those at risk for identity theft have a new tool at their disposal. The credit bureaus will allow you to monitor your credit activity. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/which-business-credit-cards-a459.html Learn which credit cards are the best... text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/cash-back-vs-rewards-a458.html So you have decided on that a credit card company should be lucky enough to gain your custom. But with a credit history as good as yours what credit card do you apply for? Will it be the cash back credit card or that reward credit card with special incentives? Ah, the sweet rewards of using credit! .. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/avoiding-college-credit-card-a457.html Explains how new college students can avoid credit card traps. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/finding-and-applying-for-a456.html We are bombarded daily with ads for credit cards and loans of all types. How do you sift through the garbage to the real deal? This article sorts through the various credit offers to help you make an educated decision. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/common-credit-score-myths-a455.html These are the most common myths about fico score ratings that can cost you credit score points if you fall for them. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/10-signs-you-may-a454.html Learn what to look out for before it's too late. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/cutting-credit-card-costs-a453.html This article contains useful tips to cut credit card costs and save you money. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/restore-your-credit-rating-a452.html Your credit rating affects many areas of your life. Opening new credit accounts, buying a home or car, getting a new job, and receiving discounts on insurance rates are just a few of the things that are impacted by your credit score. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/how-your-credit-history-a451.html Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/credit-repair-how-to-a450.html If you're having financial problems and your creditors are threatening drastic action, there are things you can do to turn things around and make them at least reasonably happy. This article details the things you can do and how you need to document your efforts... text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/understanding-the-function-of-a449.html What is Credit? Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit rating. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/debt-collection-agencies-a448.html Debt collection agencies are often a viable option for receiving payment on overdue bills. Here you can earn how debt collection agencies work and what to look for in reputable debt collection agencies. text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/what-does-your-credit-a447.html Like it or not, your credit report has a lot to say about you. It helps credit grantors and even human resource professionals determine your personal character.