Author: accurise credit

Banks, creditors and lenders all use your credit report as an indication of your financial standing. Unfortunately, it is quite easy to have a mishap in terms of your credit. Though some of these mistakes are unintentional, here is a list of items you should hope to never grace your report. Any delay in repairing your bad credit could cost you thousands of dollars that could be saved for your retirement, your child’s tuition, or that vacation you’ve always wanted. 1. Bankruptcy: Though filing for bankruptcy allows you to legally remove some, if not all of your debts from your open credit account(s). Each of the accounts reported on the bankruptcy file typically stays on your report for seven to ten years, or at least until you begin repairing your credit. 2. Debt collections: debt collections are listed as a “collection” on your credit report by a creditor after a period of non-payment. A creditor might even go as far as hiring a third party debt collection agency to try to collect the money you owe. 3. Foreclosure: defaulting on a mortgage loan will most likely lead to your home being auctioned off to recover the lost payment. Having an item like foreclosure on your credit report can seriously limit your ability to take out new lines of credit, as it stays on your credit report for seven years. 4. Charge-offs: not paying a bill for six months will result in your creditor adding an item to your credit report called a “charge-off.” Because of the lack of payment, your account is deemed as uncollectable and this item remains on your report for seven years. 5. Lawsuits or judgments: if you fail to pay a debt, a creditor could take you to court. If the final judgment is ruled against you, the outcome of the lawsuit will remain on your credit report for seven years. 6. Tax lien: whenever you don’t pay taxes on your property (including your home), the government has the power to seize your property and auction it off for the lack of payment. Even worse? If your home is foreclosed due to a tax lien, you are still responsible for the mortgage payment. Not paying this mortgage payment can worsen your credit history even more. Unpaid tax liens typically remain on your report for fifteen years, while paid tax liens remain on your report for ten years.

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Online Applications | Credit Cards for People With Bad Credit


Author: College Credit Builder

Compare the best credit cards for people with bad credit at As we all know, responsible credit card use can lead to a lifetime of low-interest rate loan opportunities. Notwithstanding a less than perfect credit record or minimal income, credit card issuers often give consumers a second chance to repair their credit history through the use of a secured credit card or a pre-paid credit card. This is an opportunity that should not be taken lightly, particularly in light of the enduring credit crisis which has made it difficult for many working people with good credit records to receive new credit cards, auto loans and mortgages.

Secured credit cards issued by Bank of America, Capital One and New Millenium are specifically designed for applicants with imperfect credit histories. Some of the features offered by these credit card issuers include:

• Credit Lines available from $300 to $10,000

• Set your own credit limit

• Build or reestablish your credit

• Save with a low non-intro variable APR, currently 14.9%

• Exclusive savings on featured deals

• Know you are protected with $0 fraud liability if your card is ever lost or stolen

During continuing economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – consumers with damaged credit records should be given an opportunity to re-build their credit. Responsibility, however, is essential. If you do not have sufficient funds to buy something now, you should consider saving until you can. Credit cards are most beneficial when you can afford to pay your balance in full every month. In these turbulent economic times, where credit is getting more difficult to come by, it is important to establish a strong credit profile by establishing credit early and maintaining a consistent payment history. Credit cards issued by Bank of America, Capital One and New Millenium are tailored for applicants with less than perfect credit.

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Eliminating the credit card bills and enjoying a debt free life

Having too many credit cards is one of the main reasons why the US people are floating into the sea of credit card debts. Such problems are increasing because the Americans are using the credit cards to make every purchase. However, they pay no heed to repay the credit card balance on time. It is very difficult to pay off the huge credit card bills on your own. In this situation, you may enroll with a credit card debt consolidation program and repay the outstanding bills with ease. You will be able to free yourself from the clutches of debt worries.

Credit card debt consolidation – Why should you choose this debt relief option?

Read on to know why you should choose credit card debt consolidation to wipe away your huge outstanding bills.

  • Enjoy the interest rate being reduced – Most people fear to pay off the credit card balance because the credit card companies charge high interest rate on them. However, you may choose debt consolidation to eliminate the bills since the interest rate on your outstanding bills get reduced in this program. This will make the debt payments affordable for you.

  • Advantage of a single monthly payment – If you have several credit card bills to pay off, you may not be able to manage all the creditors at the same time. Thus, you may opt for credit consolidation since here your multiple debts are combined into one. You will have to make a single payment every month on all your debts in order to become debt free soon.

  • Improve credit score and become credit worthy – It may happen that you have missed out to pay off the bills. Also, there are situations when you make late payments. Your credit score will get hurt in these situations. Enroll with a debt consolidation program and try to pay down the bills as soon as possible. You may become credit worthy with time.

  • Properly negotiate with the creditors – You will have to negotiate properly with the creditors if you want to lessen the interest rate on your outstanding bills. For this, you need to have proper negotiation skills. Sign up with a debt consolidation program where by the company appoints a debt expert for you. With his negotiation capability, he will negotiate with your creditors and convince them so that they may agree to diminish the interest rate on the credit card dues.

Thus, if you are amongst those who cannot manage the debt payments, it would be best to choose debt consolidation and eradicate the credit card debts soon. It is advisable that you look for a good debt consolidation company so that they may help you sort out your debt problems soon. Once you become debt free, you will be able to live a relaxed life.

If you want to get some quality information on credit card debt consolidation then you may visit here:

Average Credit Score Tips

Average Credit Score Tips
The reliance of making transactions through credit has been widespread from the late 80’s. This way of completing transaction grew wider and wider to what it is today. This expanding reliance made the major bureaus employ a scoring system. However, this system was developed three decades even before it came into major use. In the late 1950’s, Earl Isaac, a mathematician, and an engineer, Bill Fair, formulated a system that rates a person financial performance.

Today’s system is being used more than ever since its formulation. This system is based on your performance when it comes to managing both your debts, both long-term and short term, and as well as your bills, and applications for credit cards. Much to the misunderstanding of most people, the scores that are being given by this system are not reviewed by creditors in terms of absolute figures. Instead, they review your score based on relative terms.

Meaning they decide whether they should give you a higher or a lower rate of interest based on your distance from the average credit score. The average score varies according to its scope of calculation (be it from country to country, city to city, or from state to state). This is to say that if the scope of calculation were just in the state of South Dakota, the average credit scores would be different, than it would be if the average would be calculated based on Iowa.

This is where knowing your own score and the average score comes in handy. By knowing your own score and by comparing it to the average, you will be able to budget your income. By doing this, you will also be able to determine whether potential creditors would say that you have a good credit score or not.

It would also help you determine how high or low your interest rate would be should you apply for a loan. A major misconception of most is that the average credit score is always computed by total score over the number of factors. Most of the time, the average score is the median of all the scores on a given state. Meaning, the average rating is the score where there would be equal number of people with higher ratings and lower ratings.

As of now, the latest reported national average credit score by FICO is 728. This means that if you have a rating of 728, there are some 50 million people with better scores than you are, and there are also 50 million people with lower scores than you have. As of 2008, the state with the highest average credit score is Minnesota with 721 and the lowest is from Nevada, with a score of 668.

Your credit score can easily be improved once you take the necessary steps. By requesting your free credit report you will be able to identify and correct errors, false information and inaccurate listings. This will clean up your report to ensure you have a good credit score.

Theres more where this came from. Check out additional ways to improve a credit score and learn how to get a good credit score.

Looking for even more useful hints and tips similar to this article? Check out our blog or hints and tips page for additional information that will improve your quality of life.

Credit Report Tips

Credit Report Tips

Improve your credit scores by correcting mistakes made on your credit report. Many errors can be fixed and help you on your way to improving your credit score.

A credit report is a historical listing of all financial transactions you have had for the past five years. Every credit card you own or owned, anything you financed, all types of loans, defaults, late payments, serious credit infringements, and information on public record are all listed on your credit report. Call it your “report card” for personal financing information. And just like school, you get graded upon your performance or lack there of. But many times, the information listed is too old or inaccurate or just plain wrong; and only you can fix it.

An often overlooked aspect of your life is the management and maintenance of your credit history. Why? Because no one ever does it, no one ever bothers.

And yet, just like the all too often forgotten yearly physical, you should be checking and adjusting your credit report every year.

By ordering your credit report, you can see if there is any incorrect information in it and take steps to work with the credit bureaus to make changes to it.

The reason why should be obvious – ever been denied credit? Well, that denial was probably based upon your credit report! Here are just a few reasons to check your credit history at least once a year:

Identity Theft – that’s right, someone right now could be ruining your credit because they we able to steal your Id information. This is especially important if you have made purchases on the Internet or have recently been robbed. Just this alone should be reason enough to check your credit history every year.

Misspelled address information – always causes the red flag to go up.

Be sure all names, addresses and phone numbers are properly spelled. Removal of old history – your credit history should only go back 5 years. Maybe you had some problems several years ago but have since cleared up all debts – only the previous five years should be listed on your report. Judgment debts and Bankruptcy are usually listed for 7 years or more.

Disputes – credit and collection agencies are quick to report defaults but slow to list it as paid. Be sure and correct any disputes immediately Balance verification – make sure the balance is accurate and all accounts which are paid off do indicate it.

Credit applications – too many spells trouble to financing entities. Make sure you remove all erroneous applications. Note: If you have been car shopping recently, make sure to remove all applications – every dealer you visited probably ran a credit check on you.

When you are applying for a home mortgage, your credit report is the main body of information used to determine your ability to pay your loan. If you haven’t gone over your credit report and cleaned up any discrepancies, you are just asking to be “grilled” about certain issues and possibly denied.

Order your personal checks or business bank checks online and save yourself some money. Prices are up to 50% off regular bank prices. You have thousands of designs to choose from.

Strategies for Small Business Credit Simplified

Strategies for Small Business Credit Simplified
All existing commercial enterprises require a steady flow of finance to support its engines running. Meeting payroll, purchasing costs for devices, the launch cost body shops, is to increase supply and create entirely new products and expert services, or simply have the ability to repay Credit card debt certain set of circumstances that require cash. Working capital can be described as a strong indication of financial well-being of a business, good liquidity allows almost any commercial enterprise to meet its tax obligations, whether short or long term. A detailed study of the receivables and payables, as well as on property and sometimes even to existing products can really help to examine the capital flows of a business, and also find ways to reduce costs while n ‘ if not using both the business plan.

Not able to compensate in the short term is probably a recipe for disaster and also cause financial ruin, in addition to the business credit score business may suffer permanent damage, and this keeps your company for business loans solid during several days.

Company, which is not a strong cash flow, often due to the fact that it has hit an economic crisis or because the fund is linked to its trade receivables, could be used to finance or factoring companies to move away from danger. Capital, which has been obtained in this way is usually used to pay short-term debt, to have more stuff, produce new products and expert services, etc.

Loans for working capital to provide cash injection to promote the development of your organization, preservation and growth of their benefits, and allowing business owners to make investments that would otherwise be beyond their reach. These financing options are available in two versions: secured loans and unsecured loans for working capital. With secured loans for working capital, the owner of the company to use an asset, be it a house, stocks, shares of corporate stock certificates, etc. as collateral when, with unsecured loans, the owner of the company is required to use any kind of warranty.

Many companies offer loans for financing working capital these days, but, nevertheless, is related to your assets in cash you should definitely use invoice factoring, which is a useful method of using money, if your company has a lot of debt to junk, but consumers only to those who pay after 30 days or more. As working capital through invoice factoring company helps you to stop late fees and harmful to business credit reports, the rate of service charge, which is typically 1 … 3% of the spectrum.

Yasir Samad is a head marketing and SEO consultant for Hilal Technology. Hilal Technology provides a wide range of SEO and website design services.

Secured Loans: Economic uphold for your thoughts

Secured Loans: Economic uphold for your thoughts

If you are in an economic crisis and require money for your expenses, which you cannot let alone like your electricity bills, hospital bills, educational fees and so on. At such point in life you have to have a loan of cash from your friends or relatives and get uncomfortable. Instead of getting uncomfortable you can take economic sustain from any lender. Secured loans are the finest option at such circumstances. With the convenience of this system, you can now enhance your economic location. They are meant to indulge all your crucial expenditures.

Secured personal loans can be given to any one and every one. People with poor acclaim olden times like a individual who has not paid his earlier loan sum or has been bank corrupted can also apply for secured loans. The only thing is that the borrower has to be a citizen of UK and has to provide with some kind of safety like his home, office or land or any of his possessions to the lender as a safety for the recompense of sum other than just a promise pay. There are many companies in the market willing to help any type of borrower who wants a UK. You can also take such loans to improve your business. Secured loans can truly become your economic sustain for your dreams.

The sum obtainable in this type of poor acclaim secured loans varies from 500 to 100,000. Depending upon the persons requires and the value of property mortgaged as safety by him or her. The duration to pay back the loan amount is from 1year to 25years.

From the lenders position of vision, the danger is very small as the loan is taken against a safety deposit make available by the borrower to the lender.

Therefore the charge of attention is also very small.  The individual opting for secured loans poor acclaim can lose the property if he fails to reimburse the sum. So to be at a safer side the person should pay on time.

The system for receiving such loans is very simple. The person just wants to go online, search for a good lender, fill a type and register himself for secured loans online. After the lender confirms all the information about the individual opting for the loan he approve the loan and the sum is directly transferred into the persons account. In this system no paper work is necessary and the individual does not have to go to the lenders office or stand in long lines this saves the precious time and energy of the borrower.

Mark Fulton is a professional in speculation and he is at present working with Secured and Unsecured Loans as a financial counselor. He has write many article for UK Financials secured personal loans, bad credit secured loan, secured loans bad credit, secured loans online, cheap secured loan UK, easy secured loans and other secured loans.

Development Of Green Carbon Credit

Development Of Green Carbon Credit

Green credit, how better to “adjust credit structure” to promote the “economic structural adjustment”? The new year, how best to go low-carbon? Industrial energy saving this year will focus on measures taken to ensure the goals? Water Pollution What new management action? This week the media had focused reports.

Development of green credit The credit support the local economy, how to give full play to the credit leverage to promote sustainable, cost-effective “green” growth? Financial Times, to develop green credit to “credit transfer structure” to promote the “economic structural adjustment”, Bank of China Henan branch has not only improved their asset structure, but also played a green credit leverage, a group of innovation, economy, energy saving features such as companies received support, and a number of scientific development zones and industrial clustering model was supported, green credit on the mode of economic development catalyst for change has been seen.

21 Century Business Herald reported that the banking sector in Sichuan cut into 4 categories of projects, efforts to optimize credit structure. Do not meet the key industrial restructuring and revitalization planning, and related industrial policies, according to the specified procedures for approval or approval of the project, in particular, explicitly state the deadline out backward production capacity, illegal approval, not approval before construction, construction of side edges projects approved not provide any form of credit support.

Said China’s financial network, Dongyang, Zhejiang Industrial and Commercial Bank of China branch “six strokes” steps to prevent credit risks of high growth, one of which is to grasp the credit policy and industrial policy, Environmental protection Policy convergence, adopting a “maintain pressure” of the credit policy, on the number of products in violation of national environmental policies and low competitiveness of enterprises and gradually withdraw.


the new network, Xinhua said the ICBC branch in Hainan Province to actively implement the “green credit” policy, the bank customer to conduct grading and classification in accordance with environmental management, environmental protection illegal business practice “one-vote veto” and environmental quality enterprises to increase credit support. If any of the stock of loans to meet the environmental requirements of the firm does not exit, there are environmental risks in a timely manner requests for corrective actions.

People’s Network in the news analysis that the commercial banks to pay more attention to the credit of strict control on the high energy consumption, high pollution industries with excess capacity and low-grade corporate loans.

Southern Metropolis Daily said the bank credit this year, the China Banking Regulatory Commission to insist to maintain clear control, strict control of high energy consumption, high emissions and loans to industries with excess capacity in promoting economic restructuring to optimize credit structure.

Water environment moves more The new year, around the water pollution control on new measures taken? Hefei Evening News said, “will become victims Chaohu lake shore treasure”, Hefei will use two years, full implementation of lake silt pond and lakeside solid base to build the project. By clearing the lake bottom sludge, and further control lake pollution. The newspaper also said, Hefei water management will be “a river a policy”, each river will have flood control prescription.

Guangzhou Daily reported, Dongguan and Shenzhen to become the border Shima biggest victims of transboundary pollution, address cross-regional environmental pollution control, key is to strengthen interregional Cooperation .

Heilongjiang Daily News reported in Heilongjiang, Songhua River pollution control remains a top priority, Heilongjiang Province, will explore the implementation of ecological compensation system for the Songhua River water to the unit of provincial cities, major river boundary section in water quality assessment of water pollutants in excess of target cities in the pilot ecological compensation withheld. And full implementation of “One River a policy”, the implementation of river management, “River (above) long system.”

Chongqing Morning Post reported that the water pollution caused by wastewater discharge is not only a coal-fired power plant emissions of nitrogen oxides may also lead to nitrogen deposition, resulting in eutrophication. Chinese Academy of Engineering, Tsinghua University, Professor Hao Jiming called coal-fired plants should speed up the nitrogen oxides, heavy metal more integrated pollution control, not just make the sky bluer, and let the water clearer.

I am an expert from China Products, usually analyzes all kind of industries situation, such as dvd recorder liteon , lightscribe dvd drives.

Secured Loans-Terminate huge fiscal emergency

Secured Loans-Terminate huge fiscal emergency

Financial budget can be destroyed due to the arrival of hasty financial adversity. If you fall in an immediate financial situation and you require huge amount of funds, get applied with secured loans. Thus, to overcome your unwanted financial issues, this can be the ideal loan option. This is a secured form of loan that let you fetch huge amount of money on the basis of some valuable physical asset.

To find the easy and instant financial solution at one place, go online. There are myriad lenders that offer free loan quotes. You can make a thorough research and grab the finest deal of all. Making comparisons and little negotiation with the lender will let you grab the finest deal of all. Just fill a simple and short application form with few required details. The money will be there in your account within least possible time after you get approved.

To grab the assistance of secured loans, you are required to place collateral as a sense of security against the loan amount. Collateral may include your home, property, real estate, automobile, shares, valuable goods or documents. Lender takes the possession of your asset unless you repay the money back. The loan amount that you are allowed to avail with this loan is huge that can be varied from £5000 to £75000. It has long duration and can be repaid with reimbursement period of 10 to 25 years. Many huge expenses and desires can be fulfilled with this amount such as:

-Purchase a new car

-Debt consolidation

-Bank overdraft

-Higher education funding

-Go for exotic vacations

-Wedding expenses

-Start a business etc.

Plus, your adverse credit status due to some past credit mistakes is also not a problem.

Bad debt loans can be available to you without any apprehension. However, lenders accept the application of all borrowers whether they hold a good credit status or imperfect credit records. But it may charge you little higher rates. You can make a better approach with a proper analyzation of World Wide Web. It can be considered as a perfect deal for overcoming the difficult time in simpler manner.

Mike Tom is a regular contributor to finance related websites, which provides information and advice on any type of loan like bad debt loans, pay day loans, unsecured loans and secured loans. For further information log on

Cheap Secured Loans- Offers Huge Funds

Cheap Secured Loans- Offers Huge Funds

The barter system was very famous in olden days. But this mode of exchange could not work for much time because the value of the commodities exchanged was not of the exact value. Now days you can pay the exact price of the goods purchased.Cheap secured loansare a bit similar to the barter system as you can finance yourself if you deposit any of your belonging to the bank.

This allowance shows concern towards the people who are finding it difficult to manage their growing expenses. Thus, these expenses are taken care of if they fall in the range of £500 to £100,000. The specified time limit that the authorities of the bank have permitted for the repayment is 1 to 25 years.

Cheap secured loans are based on the rule that the cost of the asset deposited has to tally with the sum that has been borrowed. The system of attaining this fund is just to fill in the application form and deposit the property or the asset papers to the bank. You will be evaluated on the documents you have deposited to the bank.

You have to please the terms that have been mentioned in the contract to gain Cheap secured loans. Your charges for interest rates are extremely less, since you have the risk of your belonging.

The process of attaining is not tuff. You can also apply this fund by using internet as online banking is very famous today.Cheap Secured Loans is a loan which will risk your asset or your property just for the formality.

Your belonging will be returned to you immediately after you have cleared the debts.

Andrew Scott, is an expert author of finance articles for which offers affordable payday loans in UK with easy repayment terms with cheap rate of interest by applying Cheap secured loan online.

Buy a Motorhome With a Secured Loan

Buy a Motorhome With a Secured Loan

A secured loan can be used for almost any purpose, ie home improvements, debt consolidation, consolidation, holidays, a wedding, a car, etc.

If you are considering making a large purchase and you are a homeowner, a secured loan could very well be the best way to fund this.

With the good weather here,some people may well be thinking of purchasing a motorhome which gives you year after year of happy holidays. With the cost of a motorhome costing from about £30,000 to over £100,000 a secured loan could be your answer to finance this purchase.

The repayment period is usually from five years to twenty five years, and therefore you can arrange monthly payments to suit your pocket.

A secured loan takes about three weeks to arrange and so take care that you make your application about four weeks before you require the funds.

The reason for this time scale is that you must be provided first of all with a copy of your credit agreement, after which you must be given at least an eight day consideration period before a credit agreement is posted to you to sign.

Another benefit of using this means to purchase your motorhome is that you will have cash in hand to negotiate a better deal and could even buy from a private individual rather than from a dealer which would be less expensive.

If you do take out a secured loan to purchase your motorhome you will have years of pleasure on the open road in your home from home.

You can enjoy holidays all year round in a motorhome. Nowadays most of them have heating for the colder weather and air conditioning for those warm balmy days.

A motorhome is an excellent way to see remote areas such as the Scottish Highlands and Outer Isles in Northern Scotland.

Surely a wonderful trip thanks to your secured loan.?

Or imagine driving along the beautiful South of France through St.

Tropez, Monaco and Menton on the border between France and Italy

Then continue along the Mediterranean Coast through Ventimiglia,San Remo, Diana Marino right down to Civitavecchia, and down the coast near Rome. You could then continue down the coast towards Naples and then the beautiful Amalfi Coast. The Amalfi drive takes you along what many believe to be the most beautiful scenery not only in Italy or Europe but in the entire world.

Can a secured loan really buy such joy?yes it can. I magine seeing all this beauty from what is almost the comfort of your own home. This Amalfi drive takes you past absolutely magical villages which appear to be barely clinging to the steep cliffs above the very blue sea. Pop into Sorrento, park your motorhome and enjoy watching the world go by as you enjoy some of the delicious locally caught seafood, or simply a glass of wine,or even sip an espresso in one of the many bars.

Take a walk down to the Marina Grande and watch the fishermen as the come intothe harbour. Watch the locals haggling over the price of the fish and shellfish which have only come off the boats.

Treat yourself to a meal at one of the excellent restaurants.

Then saunter back to your motorhome for a good sleep

Imagine all this pleasure thanks to releasing the equity in your home with a secured loan.