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September 10, 2010

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What Are My Consumer Credit Rights?

Federal law carefully regulates how information about your credit can be used. The two most important laws for credit-active consumers are probably the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA).

How Should I Handle My Credit to Prepare for the Future?

When you apply for credit, the lender will undoubtedly check your credit report. The information in your credit history helps lenders decide how much credit and what interest rate you are eligible for. But what will they be looking for?

Getting the best deals

The process of applying for credit and succeeding in getting the deal you want is more complicated than just filling out a form. For optimal results, the process ought to involve strategic planning and smart management of your existing credit accounts to help you get the right credit card for your needs with favorable terms and the best interest rate possible.

Why your credit cards could be declined

Have you ever had a credit card come back declined, even though you knew you had hundreds of dollars left in available credit? If the answer is yes, you're not alone. This scenario can be very frustrating for anyone. So how does this happen and how can you avoid it happening to you?

Choose the right credit card for you

With so many different credit cards out there, it can be a real challenge choosing the right card for your unique situation. Keeping these general guidelines in mind can help you make sure your credit cards are working for you.

Auto buying

Before you step into that showroom, you owe it to yourself to do some research. And not just about gas mileage.

Home equity basics

Homeowners are increasingly relying on their homes and rising property values to increase their purchasing power. They are borrowing against the equity in their homes to pay down credit card debt and auto loans or even to finance vacations or renovations.

First-time home buyers tips

Every homeowner has been a first-time buyer once in their life, so you're not alone. But buying a home is one of the largest purchases you'll make, so how do you know if you're ready to take that next big step?

What Are My Consumer Credit Rights?