credit reports

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Finally! Free credit scores on horizon

Card Insider: One financial reform passed by the Senate would allow you to see your credit scores -- not just your reports -- if they were used against you. Free access to your credit scores may be just around the corner. The financial-reform bill that the Senate passed last week includes an amendment that would give individuals the right to see their scores if those numbers were used against them in a financial transaction. In other words, if you were denied a mortgage or insurance, or had to pay more for either one because of your credit, you'd get to see the score that was used to make the decis...

CreditCardsGuru on June 7, 2010 1

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An Overview Of Your Credit Report and Score

Card Insider: Did you know that all your credit card payments – and non-payments – are compiled into a single document known as your credit report? Did you also know that the information in this report can be given a numerical value called a credit score? Your credit report and credit score are the two primary methods that creditors and lenders make a credit decision about you. When you apply for a credit card, either your credit report or credit score (or both) are checked to see if you have a history of late payments on credit cards. Mortgage lenders check your credit report for previous loan defau...

CreditCardsGuru on May 24, 2010 0

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How to Negotiate with Credit Card Companies

Best Cards: How to negotiate with credit card companies? Consumers may be interested in negotiating with credit card companies for the sake of reducing credit card debt or for reducing the interest charged on the balance that is invariably carried over by the card holders to the ensuing month. Since these scenarios are very different, the willingness of the credit card companies to consider negotiations with the card holder also varies. How to Negotiate with Credit Card Companies to Lower Interest Rates? A customer, who has been regularly paying-off at least the minimum balance on h...

Card Expert on December 14, 2009 0

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Be Wary Of Identity Thefts By Closely Monitoring Your Free Credit Report

Best Cards: A free credit report gives you a clear picture of your financial standing. It determines your eligibility to get loans to buy that house of your dreams or that car which you always wished to own. Besides focusing on your credit card balances and the timely payment of your loans, a free credit report also highlights any discrepancy in your credit status. It is very important that you keep yourself abreast of your account balance on a regular basis. This could also help you to skim out any anomaly in your credit report caused by the fraudulent attempts of identity thieves. These identity thie...

Card Expert on November 23, 2009 0

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Is your credit card issuer unfair?

Card Insider: Federal regulators use these guidelines to determine whether card companies are following the law or employing deceptive or unfair practices. Ever wonder whether a credit card issuer's offer to you or treatment of your account is, in a legal sense, unfair or deceptive? If it is, your lender could get a civil penalty ranging from $11,000 to more than $1 million per violation, per day. Whether you get reimbursed and by how much depends upon the regulator involved and state and federal rules. The Federal Deposit Insurance Corp. has detailed how to detect unfair or deceptive cred...

Card Expert on November 12, 2009 0

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