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Bankruptcy Alternatives

Post date: October 03, 2008

Credit card debt is a very actual problem today. According to financial experts, about 40% of US families spend more money than they earn. A bankruptcy can be a very tempting proposition to eliminate your nerve-racking debt and get back on their feet. However, this solution can have a devastating effect on your FICO score. That's why it is better to look for other financial alternatives before going through Chapter 13 or Chapter 7 bankruptcy. Read about the main ways to avoid bankruptcy in our article and give your financial situation a little more thought.

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Credit Card Debt Consolidation

Post date: September 19, 2008

Debt consolidation is an excellent remedy for people who have a significant amount of debt distributed on two or three plastics. Basically, it means moving all your balances onto a single less-costly plastic. Thus you will have only one payment rather than several ones to bother about. A lower APR will help you reduce your borrowing costs and speed the process of paying off your debt. Read about 3 main steps that you need to take in order to choose the right balance transfer credit card and make a profitable deal.

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Threats to Credit Score

Post date: September 05, 2008

Working hard to maintain your FICO score positive? Then pay a close attention to all your ongoing bills and fines! You are likely to know that late or missed credit card payments can leave a black mark on your credit report for years to come. But now, even your Internet provider, local librarian or municipal governments can lower your FICO score! A number of organizations and businesses that share data with credit bureaus is constantly increasing. Here are common little-known things that can be dangerous for your credit score.

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Business Credit Card Management

Post date: August 22, 2008

If you are running your own business, you know how difficult it can be to keep all the plates spinning at once. Not matter whether your company is large, small, or you are just a one man band, there are so many things to keep in mind that it is easy to feel overwhelmed. Even though you can delegate many duties to your employees, the ultimate responsibility for your company lies on your shoulders. If you want to make the situation easier, consider applying for a business credit card. Our article will tell you how they can streamline your operations if you use them wisely.

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Credit Card Interest Rates

Post date: August 08, 2008

APR, or an annual percentage rate, often matters the most when you decide what credit card to apply for. It is the strongest indicator of your financial charge. Nobody wants to pay a high APR. However, there are more types of interest rates than just "low" and "high". You can often find a credit card that comes with several different APRs: an introductory interest rate on balance transfers, a variable APR on purchases and a high default interest rate. If you want to apply for the most beneficial offer, it makes sense to find out what these interest rate types mean.

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