CREDIT REPORT
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Consumer Credit Report:
What's On It ---
KNOWLEDGEFINANCIAL.COM

In 1949 Diner’s Club launched the first charge-card
company. Fifty-five years later, Americans spend more
using credit cards than they spend with cash,
according to a study by Dove Consulting. With more
than $2 trillion worth of credit card transactions each
year, the creditworthiness of card users is an
increasingly important issue to creditors and
consumers alike.


While most people realize that their personal
creditworthiness is tracked on something called a
credit report, few know much about it or their scoring.
The score, known as a FICO score, was developed by
Fair Isaac & Co. to evaluate the likelihood that
consumers will pay their bills. FICO scores range from
a low of 300 (highest risk) points to a high of 850 points
(lowest risk) and are used as the deciding factor on
more than 75% of credit applications, according to
Equifax, one of the three major credit bureaus in the
United States. , nearly, OR OVER 60% of Americans had
a FICO score between 700 and 800.

In determining the FICO score, mathematical models
are used to analyze the data on an applicant’s credit
report, taking into consideration five factors: previous
credit performance, current level of indebtedness,
time credit has been in use, types of credit available
and pursuit of new credit.

What's on The Report and Why Should I Care?
An in-depth look at a credit report provided by Equifax
provides a good overview of the type of information
that can be obtained from any of the major credit
reporting bureaus. The Equifax report is divided into
seven sections.

The first section contains personal data, such as
current and previous addresses, social security
number and employment history. This is crucial data to
identity thieves, so be sure to protect it by making
sure this information is correct and accurate, and if
you discard it, shred thoroughly.

The second section of the Equifax report provides a
summary of the applicant’s credit history. It includes
the number of accounts (both open and closed) held
by the applicant, the type of accounts (mortgage,
installment, revolving, or others), the number of credit
inquiries over the last 12 months, the number of
accounts that are past due as well as those in good
standing.
Intuitively, it may seem like the more accounts you
have open, the higher your credit score will be, but
when it comes to credit, more is not necessarily better.

When financial institutions review your credit report
prior to approving a loan, they often assume that you
will use all of the available credit on your credit cards
and factor-in the monthly payments that would be
required to service that debt.

If you have a dozen credit cards, all with zero
balances, you might have no problem making a $2,000
mortgage payment each month, but the bank might
look at the situation differently. If the bank factors in
your ability to make monthly payments on a dozen
credit cards in addition to a $2,000 mortgage, your
creditworthiness may be diminished.

The third section provides detailed account
information. It includes the name, account type,
account number, date opened, balance and status of
every account on the applicant’s record. A breakdown
of each account provides payment history, date of last
activity and contact information for the credit issuer.

The section also includes a summary of past-due
accounts and accounts with a negative credit history.
If you disagree with any of this information, you have
the right to challenge it. Under federal law, the credit
reporting agency then has 30 days to respond to your
challenge. If your challenge is successful, the
offending information will be removed from your
report.

account when your FICO score is calculated. An
excessive number of hard inquiries have a negative
impact on your score. Soft inquiries are generated by
your current creditors checking on your status,
personally checking your own credit. Potential lenders
don’t see these inquirers when they review your credit
report, and these inquiries do not impact your credit
report.
credit card issuers reviewing your file to see if they
wish to extend an unsolicited offer and you
personally checking your own credit. Potential lenders
don’t see these inquirers when they review your credit
report, and these inquiries do not impact your credit
report.

The fifth section details any accounts that have been
turned over to a credit agency. If you failed to make
payments and any of your accounts were sent to
collection, information about the delinquent accounts
appears here. Similarly, the sixth section of the report
provides information about liens, wage garnishments
or other judgments that appear against you in federal,
state or county court records.

The seventh section of the report provides
information on how to dispute any of the information
on your credit report. When it comes to delinquent
accounts and other damaging information, the only way
to repair your credit is to wait. Despite the claims of
those late-night infomercials, once negative
information appears on your credit report, there is
little you can do to clear it up if the information is
truthful and accurate. The Federal Trade Commission
says such information remains on your report for
seven years, with several exceptions. Bankruptcy
remains on your report for ten years. Lawsuit-related
information remains until the suit is settled. To avoid
these problems, make all payments on time and don’t
ignore any issues that arise with creditors.

How That Information Impacts
Your Score
Factors such as payment history, the length of time an
individual has had credit and the individual’s
employment history all play a role in determining your
FICO score.
So, even though you may have an excellent source of
income and pay all of your bills on time and in-full, if
you don’t have a mortgage, car payments or revolving
debt of any kind, it is unlikely that your FICO score will
be 850.

Equifax cites late payments, or lack thereof, length of
credit history and the size of account balances in
relation to your credit limits as major factors that
impact your FICO score. Even if you pay off the full
amount owed on your credit cards each month, the
size of the bill has an impact on your score, as large
balances are frowned upon.



Check Your Credit---
KNOWLEDGEFINANCIAL.COM
If you are contemplating a significant purchase, such
as a second home or a substantial piece of property,
running a credit check on yourself is a good idea.

If you run the check at least 90 days prior to your
purchase, you should have plenty of time to address
any discrepancies that appear on the report.

While credit reports can be obtained from a variety of
sources, the three major credit bureaus in the United
States are Equifax, Experian and Trans Union.

Credit reports can be ordered
online and obtained instantly. The
cost of obtaining a credit report is less than $50 per
person. Keep in mind that each of these credit
bureaus operates independently, so you may need to
request a report from each of them to get a complete
picture of your credit history.

Conclusion
Despite the many advertisements that
promise to repair bad credit, prevention
is the best way to avoid credit problems.
Once negative information appears on your credit
report, there is little you can do to clear it up if the
information is truthful and accurate. However, over
time – generally about seven to ten years – this
information is removed from your credit report.

To prevent this type of damaging
information from getting onto your
credit report in the first place, as well as
to improve your chances of obtaining
future financing, be sure to make all your
payments on time and do not ignore issues that arise
with creditors.---KNOWLEDGEFINANCIAL.COM
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About Your Free Credit Report and Free Credit Score      -----

Your credit report is a snapshot of your credit at a particular moment in time. The reality is that
information is constantly flowing in and out of your credit report.

Credit applications, home and auto loans, payments, and even an address change or inquiry from a
prospective creditor all show up on your credit report – and affect your credit score.

Your credit score, although not a part of your credit report, is calculated based on the information in your
credit report.

Credit scores allow lenders to quickly make on-the-spot credit decisions based on a 3-digit number that
sums up your credit worthiness. There are many credit scoring models in use today; all are designed to
rate your likelihood to repay your debts.

When you order your credit report, you´ll also receive your current credit score as well as an analysis of
the factors affecting your score.

Credit history is the main determining factor of credit nowadays, but there are potential problems that can
work against consumers. Since some credit reports can contain inaccuracies serious enough to cause
consumers to be denied credit, a loan or even a job, keeping abreast of changes to your credit file is vitally
important.
Identity theft is also on the rise, now being the number one consumer complaint reported to the Federal
Trade Commission. One of the first places identity theft shows up is often on your credit report. Monitoring
your credit is one of the easiest and most effective ways of protecting your credit against errors and
fraud.     ------
FREE CREDIT REPORT    ----knowledgefinancial.com

Did you know that you have three credit reports, and these credit reports
are not necessarily the same? Your credit reports can contain different
information because lenders and creditors may report your accounts to
one or two of the three national credit bureaus who report data
independently. By checking all three of your credit reports, you can make
sure you are maintaining a healthy credit profile. And a healthy, active
credit profile can be
the key to obtaining low loan rates. This is because lenders use credit
reports to see how consumers have utilized their credit in the past.

If you have been responsible with your accounts and have been able to
pay your debts on time, then chances are you are doing well with your
credit.      -----KNOWLEDGEFINANCIAL.COM
Your Access to Free Credit Reports--

The Fair Credit Reporting Act (FCRA) requires each of the
nationwide consumer reporting companies — Equifax, Experian, and TransUnion
— to provide you with a free copy of your credit report, at your request, once every
12 months. The FCRA promotes the accuracy and privacy of information in the
files of the nation’s consumer reporting companies. The Federal Trade Commission
(FTC), the nation’s consumer protection agency, enforces the FCRA with respect to
consumer reporting companies.------------KNOWLEDGEFINANCIAL.COM

A credit report includes information on where you live, how you pay your bills, and
whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide
consumer reporting companies sell the information in your report to creditors,
insurers, employers, and other businesses that use it to evaluate your applications
for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate
Credit Transactions (FACT) Act, which established the free annual credit report
program.

Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central
website, a toll-free telephone number, and a mailing address through which you
can order your free annual report.

To order, visit creditreportKNOWLEDGEFINANCIAL  -- call                1-877-322-
8228        , or complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do
not contact the three nationwide consumer reporting companies individually. They
are providing free annual credit reports   1-877-322-8228      , and Annual Credit
Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting
companies at the same time, or you can order your report from each of the
companies one at a time. The law allows you to order one free copy of your report
from each of the nationwide consumer reporting companies every 12 months.

A Warning About “Imposter” Websites  ---KNOWLEDGEFINANCIAL.COM
Only one website is authorized to fill orders for the free annual credit report you are
entitled to under law — annualcreditreport.com. Other websites that claim to offer
“free credit reports,” “free credit scores,” or “free credit monitoring” are not part of
the legally mandated free annual credit report program. In some cases, the “free”
product comes with strings attached. For example, some sites sign you up for a
supposedly “free” service that converts to one you have to pay for after a trial
period. If you don’t cancel during the trial period, you may be unwittingly agreeing
to let the company start charging fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs
that purposely misspell annualcreditreport.com in the hope that you will mistype
the name of the official site. Some of these “imposter” sites direct you to other sites
that try to sell you something or collect your personal information.

Annualcreditreport and the nationwide consumer reporting companies will not
send you an email asking for your personal information. If you get an email, see a
pop-up ad, or get a phone call from someone claiming to be from
annualcreditreport.com or any of the three nationwide consumer reporting
companies, do not reply or click on any link in the message. It’s probably a scam.
Forward any such email to the FTC at spam@uce.gov.-------
KNOWLEDGEFINANCIAL.COM

Q: What information do I need to provide to get my free report?
A: You need to provide your name, address, Social Security number, and date of
birth. If you have moved in the last two years, you may have to provide your
previous address. To maintain the security of your file, each nationwide consumer
reporting company may ask you for some information that only you would know, like
the amount of your monthly mortgage payment. Each company may ask you for
different information because the information each has in your file may come from
different sources.

Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan — and
how much you will have to pay to borrow money. You want a copy of your credit
report to:   ---KNOWLEDGEFINANCIAL.COM

make sure the information is accurate, complete, and up-to-date before you apply
for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
help guard against identity theft. That’s when someone uses your personal
information — like your name, your Social Security number, or your credit card
number — to commit fraud. Identity thieves may use your information to open a
new credit card account in your name. Then, when they don’t pay the bills, the
delinquent account is reported on your credit report. Inaccurate information like
that could affect your ability to get credit, insurance, or even a job.

Q: How long does it take to get my report after I order it?
A: If you request your report online at annualcreditreport.com, you should be able
to access it immediately. If you order your report by calling toll-free                1-877-
322-8228        , your report will be processed and mailed to you within 15 days. If
you order your report by mail using the Annual Credit Report Request Form, your
request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to
receive your report if the nationwide consumer reporting company needs more
information to verify your identity.   ---KNOWLEDGEFINANCIAL.COM

There also may be times when the nationwide consumer reporting companies
receive a high volume of requests for credit reports. If that happens, you may be
asked to re-submit your request. Or, you may be told that your report will be mailed
to you sometime after 15 days from your request. If either of these events occurs,
the nationwide consumer reporting companies will let you know.

Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you’re entitled to a free report if a company takes adverse
action against you, such as denying your application for credit, insurance, or
employment, and you ask for your report within 60 days of receiving notice of the
action. The notice will give you the name, address, and phone number of the
consumer reporting company. You’re also entitled to one free report a year if you’re
unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your
report is inaccurate because of fraud, including identity theft. Otherwise, a
consumer reporting company may charge you up to $10.50 for another copy of
your report within a
12-month period.

To buy a copy of your report, contact:

Equifax:               1-800-685-1111        ; equifax.com
Experian:                1-888-397-3742        ; experian.com
TransUnion:                1-800-916-8800        ; transunion.com
Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts,
New Jersey, and Vermont already have free access to their credit reports.


Q: Should I order a report from each of the three nationwide consumer reporting
companies?
A: It’s up to you. Because nationwide consumer reporting companies get their
information from different sources, the information in your report from one
company may not reflect all, or the same, information in your reports from the other
two companies. That’s not to say that the information in any of your reports is
necessarily inaccurate; it just may be different.

Q: Should I order my reports from all three of the nationwide consumer reporting
companies at the same time?
A: You may order one, two, or all three reports at the same time, or you may
stagger your requests. It’s your choice. Some financial advisors say staggering your
requests during a 12-month period may be a good way to keep an eye on the
accuracy and completeness of the information in your reports.

Q: What if I find errors — either inaccuracies or incomplete information — in my
credit report?
A: Under the FCRA, both the consumer report­ing company and the information
provider (that is, the person, company, or organization that provides information
about you to a consumer reporting company) are responsible for correcting
inaccurate or incomplete information in your report. To take full advantage of your
rights under this law, contact the consumer reporting company and the information
provider.--------KNOWLEDGEFINANCIAL.COM


Tell the consumer reporting company, in writing, what information you think is
inaccurate.
Consumer reporting companies must investigate the items in question — usually
within 30 days — unless they consider your dispute frivolous. They also must
forward all the relevant data you provide about the inaccuracy to the organization
that provided the information.

After the information provider receives notice of a dispute from the consumer
reporting company, it must investigate, review the relevant information, and report
the results back to the consumer reporting company. If the information provider
finds the disputed information is inaccurate, it must notify all three nationwide
consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give
you the written results and a free copy of your report if the dispute results in a
change. (This free report does not count as your annual free report under the FACT
Act.) If an item is changed or deleted, the consumer reporting company cannot put
the disputed information back in your file unless the information provider verifies
that it is accurate and complete. The consumer reporting company also must send
you written notice that includes the name, address, and phone number of the
information provider.   ----KNOWLEDGEFINANCIAL.COM

Tell the creditor or other information provider in writing that you dispute an item.
Many providers specify an address for disputes. If the provider reports the item to a
consumer reporting company, it must include a notice of your dispute. And if you
are correct — that is, if the information is found to be inaccurate — the information
provider may not report it again.
Q: What can I do if the consumer reporting company or information provider won’t
correct the information I dispute?

A: If an investigation doesn’t resolve your dispute with the consumer reporting
company, you can ask that a statement of the dispute be included in your file and
in future reports. You also can ask the consumer reporting company to provide your
state­ment to anyone who received a copy of your report in the recent past. You
can expect to pay a fee for this service.

If you tell the information provider that you dispute an item, a notice of your
dispute must be included any time the information provider reports the item to a
consumer reporting company.

Q: How long can a consumer reporting company report negative information?
A: A consumer reporting company can report most accurate negative information
for seven years and bankruptcy information for 10 years. There is no time limit on
reporting information about crimi­nal convictions; information reported in response
to your application for a job that pays more than $75,000 a year; and information
reported because you’ve applied for more than $150,000 worth of credit or life
insurance. Information about a lawsuit or an unpaid judgment against you can be
reported for seven years or until the statute of limitations runs out, which­ever is
longer.

Q: Can anyone else can get a copy of my credit report?
A: The FCRA specifies who can access your credit report. Creditors, insurers,
employers, and other businesses that use the information in your report to evaluate
your applications for credit, insurance, em­ployment, or renting a home are among
those that have a legal right to access your report.

Q: Can my employer get my credit report?
A: Your employer can get a copy of your credit report only if you agree. A
consumer reporting company may not provide information about you to your
employer, or to a prospective employer, without your written consent.----
KNOWLEDGEFINANCIAL.COM
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What You Need to Know Before
Canceling or Replacing Your Life
Insurance Policies -

There can be many reasons why you may be
considering canceling or replacing your life insurance
policy. Before you do, here are a few things that you
should consider:

If you decide to replace your life
insurance policy, don’t cancel the old
one until you have received and
accepted your new policy.

Most people are unaware that
you’re allowed a “free look”
provision, which is a period of time
immediately following the issuance of a life
insurance policy, during which you may
cancel your policy with a full refund.

The free look period differs depending on
the terms of your life insurance contract or
the laws in your state, but is typically
between 10 and 30 days.

So if during this time you change your mind
about your new policy, you can cancel it
knowing that your old policy is still in effect.

If you feel that your current policy no longer
meets your needs, you may not have to
replace it.

Maybe you’ve been contemplating
upgrading your term policy to a permanent
life policy such as a whole life or universal
life insurance policy.

Or perhaps your permanent life policy death
benefit isn’t enough. Whatever the reason,
you may decide at some time that you need
a policy upgrade.

The fact is, you may be able to change your
policy or add to it to get the coverage and/or
benefits that you now want. Ask your
insurance professional about life insurance
riders or options that may be available for
you to increase your policy’s limits to meet
your needs.

Before you cancel life insurance because
you’re older and your health has changed,
premiums for a new policy will often be
higher.

Because insurance premiums are rated in
part on age and health, canceling your
policy and applying for new coverage at a
later date to, let’s say, save money, means
you could be paying even more for the
same coverage in the future. Moreover, if
your health has significantly changed, you
may be uninsurable and unable to get
coverage.

Deciding whether or not you no longer need
coverage or trying to trim your budget by
temporarily canceling your policy may not
be in your best interest in the long run.

The good news is that you may have other
options available. In all cases, check with
your insurance agent or life insurance
company before making any significant
changes concerning your existing life
insurance policy.

-
The information
presented in our
learning center is
designed to provide
a high-level
introduction to a
topic and is for
educational
purposes only.
We always recommend
you speak to a qualified
financial advisor or
insurance representative
about your individual
situation. -

========
Life insurance education
at your fingertips.
Life insurance is
complicated.

From understanding the
types of insurance
available to deciphering
exactly what each type
could do for you, there’s
a lot to learn about life
insurance.

We like to say that our
goal is to tear down
barriers like complexity
for our customers.
That’s why we created
the life insurance
education available here.

We want to ensure you
have the right
information to make
informed decisions about
your needs.

So whether you need to
educate yourself about
universal life or you want
to understand how the
underwriting process
works, we try to tackle
those educational topics
and help you get the
information you need.

More Educational Topics
Available.
Our life insurance
information and
education is just the
start of what is available
to you in our learning
center.
''All about credit
reports..

Free Credit Reports

KNOWLEDGE
FINANCIAL GROUP

Your rights to your
credit reports

Federal law requires each of the
three nationwide consumer credit
reporting companies - Equifax,
Experian and TransUnion to give
you a free credit report every 12
months if you ask for it.

They also make it easy to
accomplish many credit-related
tasks right from your computer.
Visit today to learn more.

Equifax // Experian // TransUnion
The Fair Credit
Reporting Act

KNOWLEDGE
FINANCIAL FROUP
(FCRA) requires each of the
nationwide credit reporting
companies — Equifax, Experian,
and TransUnion — to provide you
with a free copy of your credit
report, at your request, once every
12 months.

The FCRA promotes the accuracy
and privacy of information in the
files of the nation’s credit
reporting companies.

The Federal Trade Commission
(FTC), the nation’s consumer
protection agency, enforces the
FCRA with respect to credit
reporting companies.
''Credit reports and
scores''

KNOWLEDGE
FINANCIAL GROUP

What is a credit report? How do I
get and keep a good credit score?
Search or browse for answers to
these and other common
questions.

How do I get and keep a good
credit score?

There are no secrets to building a
strong credit score, but following
these guidelines should help: Pay
''How do I order my
free report?

KNOWLEDGE
FINANCIAL GROUP

The three nationwide credit
reporting companies have set up a
central website, a toll-free
telephone number, and a mailing
address through which you can
order your free annual report.

To order, visit annual credit report.
call 1-877-322-8228. Or complete
the Annual Credit Report Request
Form and mail it to:

Annual Credit Report
Request Service, P.O.
Box 105281, Atlanta, GA
30348-5281.

Do not contact the three
nationwide credit reporting
companies individually. They are
providing free annual credit
reports only through annual credit
report 1-877-322-8228 or mailing to
Annual Credit Report Request
Service.

You may order your reports from
each of the three nationwide
credit reporting companies at the
same time, or you can order your
report from each of the companies
one at a time.

The law allows you to order one
free copy of your report from each
of the nationwide credit reporting
companies every 12 months.
Take a Deep Breath - Keep Calm - Read
On & Read More To Learn More..

Knowledge Financial Group Has
Excellent , Gorgeous & Exceptional
Information For you!!
=====
Knowledge Financial Group is a
success web library for entrepreneurs,
traders, investors, professionals &
business people, in reality K.N.G. is for
everyone. Learn What You Want - When
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Here at Knowledge Financial
Group - knowledgefinancial.
com,  we are firm believers in
financial education, financial
knowledge and financial
literacy.
----------------------------

Even the best
entrepreneurs
experience debt from
time to time.
So remember these tips before your next
investment:
How To Deal With
Business Debt
Debt is often seen as an ugly word. On one hand it
can be the single biggest factor that brings your
business down if you are not careful.

It can also be the vehicle that propels your
business to new heights.  
There is a delicate balance in how, when and why
you would consider using debt.  Not all debt is a
bad thing.
----------------
List all debts. Do you
know all of debts you
currently have? This may seem like
a loaded question but most business owners
struggle with this. As a real estate investor your
day consists of looking for new deals, networking,
finishing rehab projects and dealing with whatever
else comes your way.

There is little time allocated to staying on top of
your debts. The best way to deal with debt is to
acknowledge it. Start by making a list of all the
debts you have.

You may need to pull a copy of your credit report or
look at your bank statements to refresh your
memory. Just one late payment can cause your
credit score to take a hit.

Before you figure out a game plan to deal with debt
you need to know exactly what you are working
with.
----------------------
Good debt vs. bad debt. As we
mentioned in the opening not
all debt is bad debt.
There are times that taking on new debt is a savvy
move. An example of this may be adding on debt to
get a direct mailing campaign off the ground. Any
debt that is used to add value to your business or
increase revenue can be seen as good debt. Bad
debt is taking on credit that does nothing to grow
your business.

Fancy furniture for your office or a three day
vacation is examples of bad debt. You will pay for
these items long after you finish using the good or
service. In a perfect world you will pay down any
debt as soon as you generate revenue from the
product.

-------------------
Payment plan. Once you know
when all of your accounts are
due you need to make a plan
to pay them. The best way to handle this is
by setting up automatic payments through a
dedicated account. Many people don’t like this
because they never know exactly how much they
have in their account at any given time. An
alternative is to make a calendar when each item is
due and how you are going to pay it.

Every time income enters the business you should
think about paying debt. You don’t necessarily
need to wipe all of it away in one shot but you can’t
keep piling it up. When you have surplus capital
you need to pay down as much of your debts as
possible.
--------------------
Understand cost of
credit. When is the last time you read the
fine print of your account statement? What you may
find is often alarming. For starters your interest
rate can be anywhere from zero to 18% based on
your credit history and score.

The interest is compounding meaning that your
monthly payment is only knocking down a fraction
of your balance owed every month. On a card with a
high balance of $1,000 you will make payments
three or four times that over the life of the card.

This underscores the reason you
need to pay down your high interest
rate cards as quickly as possible. Even
though it may seem like a foreign language you
need to examine your next monthly statement.
--------------------
Keep your eyes open. The
credit card industry is a billion
dollar industry. All you need to do is turn
on the TV for twenty minutes and you are likely to
see at least one credit card commercial.

You shouldn’t be so quick to dismiss every credit
card mailing you receive. Some of these are filled
with opportunities to transfer high rate and balance
cards to low introductory rates. Like anything else
you need to read the fine print but some of these
transfers can save you hundreds of dollars every
month.
All it takes is a couple of
seconds to glance at a mailing or postcard
you receive in the mail. Before you quickly toss
them in the trash take some time and give them a
look.
---------------------
Controlling your debts often
equals a successful business.
This isn’t always easy at times but is the best thing
you can do.  Dealing with debt can be draining at
times but everything can change for the better in a
matter of just a few months
Custom Search
Custom Search
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- Knowledgefinancial.com to
improve your professional lifestyle.
----------
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'' Increase Your Knowledge In Insurance.  
Learn Everything You Want About: Life
Insurance -

'' Term Insurance -

'' Whole Life - / - / Annuity ''

'' Universal Life...

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