<?xml version='1.0' encoding='UTF-8'?><rss xmlns:atom="http://www.w3.org/2005/Atom" xmlns:openSearch="http://a9.com/-/spec/opensearchrss/1.0/" xmlns:blogger="http://schemas.google.com/blogger/2008" xmlns:georss="http://www.georss.org/georss" xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr="http://purl.org/syndication/thread/1.0" version="2.0"><channel><atom:id>tag:blogger.com,1999:blog-3540992378908733418</atom:id><lastBuildDate>Thu, 05 Sep 2024 13:19:52 +0000</lastBuildDate><category>credit score</category><category>Credit Report</category><category>Debt Elimination</category><category>bad credit auto loan</category><category>Buying With Bad Credit</category><category>Debt Consolidation</category><category>Money Management</category><category>first time credit</category><title>Daily Living With Bad Credit</title><description>This site is dedicated to helping people with bad credit find information to help make their daily lives better.</description><link>http://dailylivingwithbadcredit.blogspot.com/</link><managingEditor>noreply@blogger.com (Proletariatof1)</managingEditor><generator>Blogger</generator><openSearch:totalResults>32</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-561601458844717930</guid><pubDate>Sun, 20 Jan 2008 19:56:00 +0000</pubDate><atom:updated>2008-01-20T14:04:35.830-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Credit Report</category><category domain="http://www.blogger.com/atom/ns#">credit score</category><title>You Need To Get A Copy Of Your Credit Report</title><description>If you know or think you have bad credit you really need to get a copy of your credit report. You have probably heard or read about websites offering you your credit report for free. There are quite a few of those around now. Did you know though that you are entitled to a free copy of your credit report every year regardless. This is required by the government. All you need to do is to contact the various credit agencies and request a copy. Now in most instances you won&#39;t receive and actual credit score number with your report. Having that number is probably the biggest reason to go through one of those free credit report sites. Here are a few sites to visit if you are interested in getting your report and score.&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://qdmil.com/click/?s=19231&amp;c=68311&quot;&gt;&lt;img src=&quot;http://qdmil.com/images/2756-68311-468x60.gif?s=19231&quot; style=&quot;width: 468px; height: 60px; border: 0px;&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href=&quot;http://nbjmp.com/click/?s=19231&amp;c=58580&quot;&gt;&lt;img src=&quot;http://nbjmp.com/images/1670-58580-468x60.gif?s=19231&quot; style=&quot;width: 468px; height: 60px; border: 0px;&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href=&quot;http://jrtux.com/click/?s=19231&amp;c=68338&quot;&gt;&lt;img src=&quot;http://jrtux.com/images/2757-68338-468x60.gif?s=19231&quot; style=&quot;width: 468px; height: 60px; border: 0px;&quot;/&gt;&lt;/a&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/you-need-to-get-copy-of-your-credit.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>17</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-6192232103284257696</guid><pubDate>Fri, 11 Jan 2008 20:26:00 +0000</pubDate><atom:updated>2008-01-11T14:46:26.099-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">bad credit auto loan</category><title>Bad Credit? You Can Still Get An Auto Loan!</title><description>Do you have bad credit? Are you looking to get out of your old ride and into something new? I know a lot of people that have poor credit that think they can&#39;t get an auto loan. Or they think they will have to have a co-signer and really don&#39;t want to have to ask someone. Well in many instances even people with bad credit can &lt;a href=&quot;http://nbjmp.com/click/?c=1122&amp;amp;s=19231&quot;&gt;Get aproved for an Autoloan now!&lt;/a&gt;. Granted you will pay more in interest than someone with stellar credit, but you don&#39;t have to get fleeced.&lt;br /&gt;&lt;br /&gt;You need to understand that you probably aren&#39;t going to go out and buy a brand new luxury vehicle. In fact realistically you should probably be looking at something 3-5 that has already seen the largest share of it&#39;s depreciation. You can find some great cars with pretty low mileage in the 3-5 year old category. The nice thing is that if you watch and have a little patience you can get some great deals. &lt;br /&gt;&lt;br /&gt;If you are looking to get a &quot;new to you&quot; vehicle it might be wise to get some financing before you head to the dealer. Many times the financing they get for you won&#39;t have the best rates or terms you could probably get. If you go in with your own financing in place you can always have them compete to get you better terms and rates. Here are a few places you can check out for bad credit auto loan financing before you go to the auto dealership.&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://nbjmp.com/click/?c=1122&amp;amp;s=19231&quot;&gt;Get aproved for an Autoloan now!&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://lwken.com/click/?c=59195&amp;amp;s=19231&quot;&gt;NEED A CAR? We can get you approved!&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://nbjmp.com/click/?c=9319&amp;amp;s=19231&quot;&gt;Apply for an Auto Loan Online - Bad Credit Okay! &lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://hjlas.com/click/?c=61598&amp;s=19231&quot;&gt;Good credit, bad credit, no credit, no problem - get a car loan today&lt;/a&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/bad-credit-you-can-still-get-auto-loan.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>2</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-5073539883065261376</guid><pubDate>Thu, 10 Jan 2008 18:59:00 +0000</pubDate><atom:updated>2008-01-10T13:09:20.370-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Buying With Bad Credit</category><title>Need a New Computer? Poor Credit - No Problem</title><description>Do you need a new computer but don&#39;t seem to have the money to buy one. Do you have poor credit? No credit? Well there is a solution for you. You can buy a new up-to-date computer even in your situation. You can even get a great new laptop. Living with bad credit doesn&#39;t mean you have to do without things. It doesn&#39;t mean you can&#39;t buy things. It doesn&#39;t even mean you can&#39;t get credit. You just have to know that you have to go about things in a little bit of a different way. That is what this website is here for - People like you.&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://nbjmp.com/click/?s=19231&amp;amp;c=34881&quot;&gt;&lt;img style=&quot;BORDER-RIGHT: 0px; BORDER-TOP: 0px; BORDER-LEFT: 0px; WIDTH: 380px; BORDER-BOTTOM: 0px; HEIGHT: 200px&quot; src=&quot;http://nbjmp.com/images/1667-34881-380x200.jpg?s=19231&quot; /&gt;&lt;/a&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/need-new-computer-poor-credit-no.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-6859595281862498571</guid><pubDate>Tue, 08 Jan 2008 16:04:00 +0000</pubDate><atom:updated>2008-01-08T10:04:06.210-06:00</atom:updated><title>Prevent Identity Theft With A Few Basic Steps</title><description>&lt;div id=&quot;body&quot;&gt; &lt;p&gt;Identity theft is a severe crime that is spreading annually. If you are a victim of identity theft you might spend months, possibly years, attempting to mend a damaged credit history. An extremely ruined credit file could compromise your opportunities of acquiring a new job, a bank loan, insurance or even rental housing. It&#39;s even possible to be arrested for a crime you didn&#39;t commit if someone else has utilized your identity to break the law.&lt;/p&gt; &lt;p&gt;Unfortunately, several of the means that criminals utilize to snatch identities are beyond your control to shield against. Although it is seldom, even store clerks have been known to take advantage of their position to pass along information to identity thieves. There are a few actions you could take, nonetheless, that can make it more difficult for a thief to swipe your identity.&lt;/p&gt; &lt;p&gt;Protect Your Credit Card Number When Making Purchases&lt;/p&gt; &lt;p&gt;Subsequent to you making a purchase and your credit or debit card has been processed through a credit card terminal, investigate to be sure that the printed receipt disguises every number but the last four digits of your credit card account number (most likely there will be Xs in place of the 1st twelve digits). Some terminals continue to print receipts that show all sixteen digits of an account number, and may even consist of the date the card expires too. After your card is swiped, you are authorized by law to mask the 1st twelve digits of your account number on the duplicate of the receipt that the merchant keeps. Apply any marking pen that can do the task.&lt;/p&gt; &lt;p&gt;When you dine at a restaurant, it is especially vital to be sure that the 1st twelve digits of your credit card number are hidden on your receipt. You may be in the custom of endorsing it and then leaving the restaurant&#39;s copy on the table after your meal. A criminal could simply swipe the signed receipt prior to the waitperson coming back around to retrieve it from the table. Don&#39;t take any risks.&lt;/p&gt; &lt;p&gt;Do You Really Have To Offer Your Social Security Number?&lt;/p&gt; &lt;p&gt;Another important way that you could protect against identity theft is to withdraw from offering your social security number except under the circumstances that it is definitely necessary. Although you have to give your social security number upon applying for a loan or for a bank account, sometimes a business or an organization will need to utilize it as an identification number, only to identify you in their network. This is a common routine although the law says that social security numbers are not to be maintained as identification numbers. In this situation, use your judgment. There&#39;s generally an alternative if you question.&lt;/p&gt; &lt;p&gt;Eliminate Forms That Include Sensitive Personal Information&lt;/p&gt; &lt;p&gt;Invest in a paper shredder and apply it to terminate forms you are getting rid of which include personal information such as credit card numbers, social security numbers, telephone numbers and dates of birth. This is critical to do both at home and your place of employment. Identity thieves are not above sifting through people&#39;s garbage to discover valuable personal information that could help them obtain credit in someone&#39;s name.&lt;/p&gt; &lt;p&gt;If The Worst Happens&lt;/p&gt; &lt;p&gt;If you do turn into a victim of identity theft, take the following actions without delay:&lt;/p&gt; &lt;ul&gt;     &lt;li&gt;Contact your credit card companies, stop your accounts and ask to have new cards sent to you.&lt;/li&gt;     &lt;li&gt;Place a fraud alert on your report with any 1 of the three major credit bureaus. The other two will be informed automatically.&lt;/li&gt;     &lt;li&gt;Put in a police report. You might need it to show to creditors as evidence of the illegal act.&lt;/li&gt;     &lt;li&gt;Put in a complaint with the FTC, which preserves a filing system of identity theft cases used by law enforcement agencies for their investigations.&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt; &lt;div class=&quot;sig&quot; id=&quot;sig&quot;&gt; &lt;p&gt;Fred Hopkins is a 9 year consumer finance veteran, helping people prevent &lt;a href=&quot;http://www.mountaintopmtg.net/blog/identity-theft/lifelock-review-putting-your-life-information-on-lock-down&quot; target=&quot;_new&quot; id=&quot;link_83&quot;&gt;identity theft&lt;/a&gt; and protecting their credit.   He also posts &lt;a href=&quot;http://www.mountaintopmtg.net/blog/identity-theft/lifelock-review-putting-your-life-information-on-lock-down&quot; target=&quot;_new&quot; id=&quot;link_84&quot;&gt;lifelock reviews&lt;/a&gt;, in addition to the wealth of information on &lt;a href=&quot;http://www.mountaintopmtg.net/&quot; target=&quot;_new&quot; id=&quot;link_85&quot;&gt;http://www.mountaintopmtg.net&lt;/a&gt;.&lt;/p&gt; &lt;div&gt; &lt;p&gt;Article Source: &lt;a href=&quot;http://ezinearticles.com/?expert=Fred_Hopkins&quot; id=&quot;link_86&quot;&gt;http://EzineArticles.com/?expert=Fred_Hopkins&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt;   </description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/prevent-identity-theft-with-few-basic.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>1</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-3078348445328774675</guid><pubDate>Fri, 04 Jan 2008 01:31:00 +0000</pubDate><atom:updated>2008-01-03T19:31:07.705-06:00</atom:updated><title>Are Debt Settlement Companies Scams?</title><description>&lt;div class=&quot;article_text&quot;&gt;Along with the genuinely helpful firms, there are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey on debtors by promising relieved debt and empty their pockets forcing payment of outrageous fees. &lt;p&gt;For starters, scams are a fixture on Internet pages scattered through the net. From &#39;scamdicapper&#39; sites that &#39;highway rob&#39; bettors &amp;amp; gamblers of their wager earnings to false charity sites, the best debt negotiation companies are hard to come by.&lt;/p&gt; &lt;p&gt;There are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey on debtors by promising relieved debt and empty their pockets forcing payment of outrageous fees.&lt;/p&gt; &lt;p&gt;As A Debtor It&#39;s Your Job To Be Careful When Getting Out Of Debt&lt;/p&gt; &lt;p&gt;Although hundreds of debt settlement companies scams are reported to the FBI by debtors and investigated by the Federal Trade Commission every day, there are some solid, bona fide debt settlement companies out there. Avoid the sketchy operations of scam companies by becoming acquainted with the best companies for debt negotiation.&lt;/p&gt; &lt;p&gt;Click on the menu choices on the top left for the best debt settlement companies listed at the bottom of each page. Only bonafide companies get rated.&lt;/p&gt; &lt;p&gt;The Debt Reduction Guide lists the internet&#39;s best companies known for catering to their debtors, many with a free debt negotiation plan without any obligation to join any service.&lt;/p&gt; &lt;p&gt;As with many businesses and operations, scam companies are as common as taxis in metropolitan areas. Discovering the top debt settlement companies and avoiding debt company scams is best achieved through solid research, thorough review of available resources, and the information splashed onto the pages of this debt negotiation and debt settlement site.&lt;/p&gt; &lt;p&gt;Remember, if you encounter scam companies or aren&#39;t sure of their legit status contact your Consumer Affairs or the Better Business Bureau, watchdogs against debt company scams and advocators of legitimate, truthworthy ones.&lt;/p&gt; &lt;p&gt;With a little legwork, sidestepping scam companies will become a dance.&lt;/p&gt; &lt;/div&gt; About the Author&lt;br /&gt; Anne Campbell Helpful experts providing all the usefull advice you&#39;ll need for debt reduction, credit card debt elimination, the best online consolidation loans, visit &lt;a href=&quot;http://www.kdebt.com/&quot;&gt;http://www.kdebt.com/&lt;/a&gt;   </description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/are-debt-settlement-companies-scams.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-4716937953373976535</guid><pubDate>Thu, 03 Jan 2008 15:00:00 +0000</pubDate><atom:updated>2008-01-03T09:00:08.101-06:00</atom:updated><title>Top 10 reasons to have your Free Credit Score Report</title><description>&lt;div class=&quot;article_text&quot;&gt;Your Free Credit Score Report is absolutely the most important piece of mind you need to have these days. How are you ever going to know what is being reported about you if you don&#39;t have a current copy of your Free Credit Score Report. Maybe you are applying for some type of loan and find out to your surprise that you don&#39;t have the credit score you really should have to get the best interest rates. I am going to give the top reasons why you should get a copy every 60 to 90 days. It is to most peoples surprise when they are told NO in regards to the following, or maybe someone stole your identity and you never knew about it. Here are the top reasons. &lt;p&gt;1. To get that new &amp;quot;Dream Job&amp;quot;. &lt;br /&gt; 2. To get the low interest rate credit card.&lt;br /&gt; 3. New Car &lt;br /&gt; 4. Identity Theft Protection &lt;br /&gt; 5. New House &lt;br /&gt; 6. Keep your current rates low on existing credit cards &lt;br /&gt; 7. Discover inaccuracies on your Credit Report &lt;br /&gt; 8. Because you were denied credit &lt;br /&gt; 9. Piece of Mind &lt;br /&gt; 10. An educated consumer saves money.&lt;/p&gt; &lt;p&gt;The previous list mentioned is so important because all of these items are part of our every day lives. If you are not on top of your Free Credit Score Report, you may not have got that new &amp;quot;Dream Job&amp;quot;. Most employers are now pulling your credit report to determine if you are a responsible person. Your Report will say a lot about your personal life. If you have a history of not paying your bills, your new employer may assume you don&#39;t show up to work on time. A Credit Report says a lot about an individual, and that is why most establishments are pulling your in-file. There is talk also about Medical facilities pulling your credit with there credit scoring system to determine the likelihood of you paying back your medical bills. Read more at Dallas Morning News. No matter what you do, or how cleaver we thing we think we are, they will find out your Credit Score.&lt;/p&gt; &lt;p&gt;Identity Theft is also another huge reason to have a current copy. Every 3 seconds someone gets there personal information violated. Once this happens to you it is a major on taken to get cleaned up. All of this could have been avoided if you had monitoring of your Credit Report set up. Believe me I see this all the time with clients of mine, someone stole there credit and they had no idea. I think this article pretty much covers why you should not delay anymore. Get your Free Credit Score Report today with monitoring.&lt;/p&gt; &lt;/div&gt; About the Author &lt;p&gt;About the Author: Mike Clover is the owner of &lt;a href=&quot;http://www.my720fico.com/&quot;&gt;http://www.my720fico.com&lt;/a&gt; . My720fico.com is one of the most unique on-line resources for free credit score reports, Internet identity theft software, secure credit cards, and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness.&lt;/p&gt;   </description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/top-10-reasons-to-have-your-free-credit.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-5001480612102054188</guid><pubDate>Wed, 02 Jan 2008 18:00:00 +0000</pubDate><atom:updated>2008-01-02T12:00:15.823-06:00</atom:updated><title>Car Loans And The Credit Market</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1252550&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252550&amp;m=280003&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252550&amp;m=280003&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1252550&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1252550&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;	   </description><link>http://dailylivingwithbadcredit.blogspot.com/2008/01/car-loans-and-credit-market.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>2</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-4904873777470223484</guid><pubDate>Fri, 28 Dec 2007 16:20:00 +0000</pubDate><atom:updated>2007-12-28T10:28:24.598-06:00</atom:updated><title>Allowances For Your Kids That Really Work</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1252541&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252541&amp;m=279999&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252541&amp;m=279999&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1252541&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1252541&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;	   </description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/allowances-for-your-kids-that-really.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-8729620873416426979</guid><pubDate>Tue, 25 Dec 2007 21:21:00 +0000</pubDate><atom:updated>2007-12-25T15:21:32.878-06:00</atom:updated><title>Merry Christmas</title><description>I just wanted to say Merry Christmas to all of you. I hope you are enjoying this joyous day. Remember the reason for the season isn&#39;t presents, it isn&#39;t even to spend time with family. The reason is for the remembrance of the birth of Jesus. I know he wasn&#39;t born on December 25, but that isn&#39;t the point. This time of year remember the greatest gift ever given was God himself in the form of a little baby. When you open those presents remember that gift that was given over 2000 years ago. God bless you, your family, and your friends on the wonderful Christmas day.</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/merry-christmas.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-2537822721877869876</guid><pubDate>Mon, 24 Dec 2007 15:55:00 +0000</pubDate><atom:updated>2007-12-24T09:55:11.392-06:00</atom:updated><title>Credit Card Debt Solutions that Give You Financial Freedom</title><description>&lt;p&gt;If you&#39;ve got overwhelming financial problems staring you in the face there is a good chance that credit card debt is the primary reason. Are they nearly maxed out with outrageous interest rates and minimum payments that barely pay the balance down? Do you get the dreaded late fee that negates the payment you did send? If this is you then you are no different from millions of other people who are dealing with the financial burden of high credit card balances everyday.&lt;/p&gt; &lt;p&gt;Credit cards are the leading cause of financial hardship for most people and finding a solution for this type of debt is a high priority for those affected. Getting out of the credit card trap can be difficult because every bank and store sends out credit applications offering more and more credit with higher limits. It turns into a never ending cycle that encourages consumers to spend more then they make.&lt;/p&gt; &lt;p&gt;So what are the best credit card debt solutions you can use to get out of this cycle of debt?&lt;/p&gt; &lt;p&gt;The first solution to getting out of control credit card debt is simple; destroy the evil things. Burn them, shred them, or flush them down the toilet. You can&#39;t keep using them if they don&#39;t exist. This is an immediate way to take back control of your money because when you use a credit card you are using someone else&#39;s money. They in turn are making money through the interest rate they charge you for the use of their money. And that is the problem with borrowing money; in the long run it ends up costing you your future because you are always working to pay it back.&lt;/p&gt; &lt;p&gt;Once you have gotten rid of those credit cards and the temptation they offer it is time to get serious about paying off that debt. Some basic accounting comes in handy here. Get a pencil, a piece of paper, and all your past months statements. In a column write down the credit card name or bank issuing the card and then in subsequent columns write down the balance owed, the monthly minimum payment, the interest rate, and the interest being paid. Add each of those columns up and write down the total at the bottom.&lt;/p&gt; &lt;p&gt;Look at those totals closely. This is money that could easily stay in your control if that debt did not exist. Think about what you could do with that money if it wasn&#39;t going out the door every month. If it makes you mad so much the better because getting out of credit card debt is about attacking the problem head on.&lt;/p&gt; &lt;p&gt;Now you need a plan. The credit card debt solution that works best for most people is to list them in order from lowest balance to highest balance. While paying the minimum payments on all your other accounts attack the card with the lowest balance by sending any extra money you can afford out of your budget or scrape together to that credit card. The reason to doing it this way is simple; you&#39;ll be able to knock that one out in relatively short order and that will keep you motivated to jump to the next lowest and rolling the payment from your first card into the second. Just keep rolling down your list with the same determination and when you reach the card with the highest balance your momentum will roll right through it.&lt;/p&gt; &lt;p&gt;The best solution for dealing with credit card debt is to not use them. It is to easy to fall into the bad habit of using them to purchase those things you think you need. By avoiding that trap you can build a sound financial future that will allow you to live the kind of life you always wanted without resorting to their use. Make a life changing decision and take back control of your money from the credit card companies today.&lt;/p&gt; &lt;div id=&quot;sig&quot; class=&quot;sig&quot;&gt; &lt;p&gt;For more detailed information about how to successfully deal with &lt;a id=&quot;link_17&quot; target=&quot;_new&quot; href=&quot;http://debt-reduction-and-consolidation.home-choices-net.com/Credit-Card-Debt.html&quot;&gt;Credit Card Debt&lt;/a&gt; please visit the website &lt;a id=&quot;link_18&quot; target=&quot;_new&quot; href=&quot;http://debt-reduction-and-consolidation.home-choices-net.com/Credit-Card-Debt.html&quot;&gt; Debt Reduction and Consolidation by Clicking Here&lt;/a&gt;&lt;/p&gt; &lt;div&gt; &lt;p&gt;Article Source: &lt;a id=&quot;link_19&quot; href=&quot;http://ezinearticles.com/?expert=Andrew_Bicknell&quot;&gt;http://EzineArticles.com/?expert=Andrew_Bicknell&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt;   </description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/credit-card-debt-solutions-that-give.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-7970982644911473352</guid><pubDate>Mon, 24 Dec 2007 02:57:00 +0000</pubDate><atom:updated>2007-12-23T20:57:17.073-06:00</atom:updated><title>How To Dig Out Of Debt</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1252556&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252556&amp;m=279997&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252556&amp;m=279997&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1252556&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1252556&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;	   </description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/how-to-dig-out-of-debt.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-2247331891012097885</guid><pubDate>Sat, 22 Dec 2007 18:00:00 +0000</pubDate><atom:updated>2007-12-22T12:00:12.208-06:00</atom:updated><title>Year-End Moves For Investors</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1252389&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252389&amp;m=280006&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252389&amp;m=280006&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1252389&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1252389&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;	   </description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/year-end-moves-for-investors.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-4205303519172115025</guid><pubDate>Thu, 20 Dec 2007 19:02:00 +0000</pubDate><atom:updated>2007-12-20T13:33:30.530-06:00</atom:updated><title>Year-End Tax-Saving Moves</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1252329&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252329&amp;m=280004&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252329&amp;m=280004&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1252329&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1252329&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;	   </description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/year-end-tax-saving-moves.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-4042592032971204735</guid><pubDate>Wed, 19 Dec 2007 17:00:00 +0000</pubDate><atom:updated>2007-12-20T13:25:09.943-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">credit score</category><title>Beef Up Your Credit Score</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1252539&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252539&amp;m=279995&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1252539&amp;m=279995&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1252539&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1252539&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;	   </description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/beef-up-your-credit-score.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-7210862693047964265</guid><pubDate>Tue, 18 Dec 2007 02:44:00 +0000</pubDate><atom:updated>2007-12-17T20:50:15.599-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Money Management</category><title>Year End Finance Tips</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1274023&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1274023&amp;m=279993&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1274023&amp;m=279993&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv1274023&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1274023&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/year-end-finance-tips.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-7472505406161520066</guid><pubDate>Fri, 14 Dec 2007 17:23:00 +0000</pubDate><atom:updated>2007-12-14T11:41:12.802-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Debt Consolidation</category><title>Should I Use An Agency For Credit Card Debt Settlement?</title><description>Some people like to deal with their credit card debt all by themselves. However, some people do use credit card debt settlement agency. There can be various reasons for going for a credit card debt settlement agency. Some people use a credit card debt settlement agency because they are not comfortable in dealing with credit card debt settlement by themselves. Some go for a credit card debt settlement agency because they don’t have the time to do the research and evaluate options for credit card debt settlement. Others just want professional advice and hence they contact credit card debt settlement agency.&lt;br /&gt;&lt;br /&gt;Whatever be the reason for employing a credit card debt settlement agency, a good credit card debt settlement agency would surely be of help. However, it’s important that you select a good credit card debt settlement agency. Do not fall for ads of credit card debt settlement agencies that promise to wipe off your debt overnight. No credit card debt settlement agency or anyone else can do that. You should select a credit card debt settlement agency which has verifiable credentials or a credit card debt settlement agency that you know has a good reputation.  &lt;br /&gt;&lt;br /&gt;If some friend has been through this process previously, they might be able to recommend a credit card debt settlement agency to you. Sometimes you will find ads that promise impossible things and ask you to call a telephone number that’s a premium line. So beware, or else you might end up paying heavy phone bills that would just add to your debt. Some credit card debt settlement agencies might be having a very low fee but no reputation. These are again the credit card debt settlement agencies that you should avoid. However, once you find a reputable credit card debt settlement agency, do not try to hide debt related information from them, no matter how bad your debt it. That is another reason for looking for a reputable credit card debt settlement agency. If the credit card debt settlement agency is not a reputable one, you would not be able to trust them; and trust is very important here otherwise you will neither be able to tell them the full story and nor follow their advice. &lt;br /&gt;&lt;br /&gt;That said, it’s important to note that no credit card debt settlement agency will be able to help you if you are not ready to help yourself. So, follow the advice given by credit card debt settlement agency and practice good spending habits. &lt;br /&gt;&lt;br /&gt;What was started as an online store, has turned into a growing collection of internet resources on subjects ranging from Network Marketing, Investing, Health, Travel and Credit Cards. Visit &lt;a href=&quot;http://www.mjesales.com&quot;&gt;http://www.mjesales.com&lt;/a&gt; for our store or &lt;a href=&quot;http://www.articlesnatch.com&quot;&gt;http://www.articlesnatch.com&lt;/a&gt; for more articles.  For instant access to over 20 free ebooks, visit our &lt;a href=&quot;http://www.mjesales.com/articles/ebooks.htm&quot;&gt;free ebook page&lt;/a&gt; now! &lt;br /&gt;&lt;br /&gt;Submitted with &lt;a href=&quot;http://www.after5webdesign.com/&quot;&gt;AD Submitter&lt;/a&gt;.&lt;br /&gt;&lt;br /&gt;Article Source: http://leadarticles.com</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/should-i-use-agency-for-credit-card.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-6935795165520556927</guid><pubDate>Fri, 14 Dec 2007 17:16:00 +0000</pubDate><atom:updated>2007-12-14T11:17:31.002-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Credit Report</category><category domain="http://www.blogger.com/atom/ns#">credit score</category><title>Free Equifax Credit Report</title><description>Equifax credit report agency is one of the three FCRA Company found in 1899. The Equifax credit report is provided by Equifax agency. Equifax has evolved into a leader in enabling and securing global commerce, brining buyers and seller together from all over the world. &lt;br /&gt;&lt;br /&gt;The Equifax credit report provides host of solutions which have been made keeping consumers in mind. This helps consumer to empower with all the information, access, educations, and other valuable benefits? &lt;br /&gt;&lt;br /&gt; Equifax bureau has been tracking credit report. Equifax credit report gives you all the record of your all past credit payment history and information from the creditors you have done business with.&lt;br /&gt;&lt;br /&gt;Equifax has a good reputation through a commitment to protecting the privacy and confidential records of my credit history sent to them by creditors like Visa credit cards.  Equifax promotes the accuracy and privacy of all the information’s in the files of the nation reporting consumer companies. &lt;br /&gt;&lt;br /&gt;Equifax credit report brings business and consumer together. Along with other credit report companies they form the most popular national report agencies. The majority of your auto and home equity lenders loans are approval based their decision by your credit report score. To get the low interest rate the key is your high and good credit score. &lt;br /&gt;&lt;br /&gt;Under Fair Crediting Act (FCRA) Equifax provides you a copy of your credit report at your request once in every 12 months and if don’t received you can take an action. Equifax online sites help many to get their credit report online. One has to fill their online forms with all the correct information and receive your credit report with in a day. With all the correct information fill the form if not your form will get rejected. &lt;br /&gt;&lt;br /&gt;Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website &lt;a href=&quot; http://www.free-yearly-credit-report.info/&quot;&gt; Free Yearly Credit Report &lt;/a&gt; . For more details please contact at annajosephs@gmail.com &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;This article is written by Anna josephs, writer of the website &lt;a href=&quot; http://www.free-yearly-credit-report.info/&quot;&gt; Free Yearly Credit Report &lt;/a&gt;. This article is published only for the educational and information purpose.&lt;br /&gt;&lt;br /&gt;Article Source: http://leadarticles.com</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/free-equifax-credit-report.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-8956426289211970887</guid><pubDate>Fri, 07 Dec 2007 21:16:00 +0000</pubDate><atom:updated>2007-12-07T15:18:01.056-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Debt Elimination</category><title>5 Ways To Get Out Of Debt Faster</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv801277&quot; width=&quot;400&quot; height=&quot;320&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v801277&amp;m=262753&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v801277&amp;m=262753&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;400&quot; height=&quot;320&quot; name=&quot;swfclipv801277&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv801277&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/5-ways-to-get-out-of-debt-faster.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-4446215026717171066</guid><pubDate>Fri, 07 Dec 2007 21:09:00 +0000</pubDate><atom:updated>2007-12-07T15:15:40.653-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Debt Elimination</category><title>Avoding A Holiday Credit Crunch</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipv1090319&quot; width=&quot;351&quot; height=&quot;551&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1090319&amp;m=262751&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=v1090319&amp;m=262751&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;351&quot; height=&quot;551&quot; name=&quot;swfclipv1090319&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdv1090319&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/avoding-holiday-credit-crunch.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-6755733120244304876</guid><pubDate>Mon, 03 Dec 2007 05:53:00 +0000</pubDate><atom:updated>2007-12-02T23:54:45.147-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">first time credit</category><title>Your First Credit Card</title><description>You&#39;re off to college and you&#39;ll soon run into a situation where you may need to take out a loan. You may be able to take a payday loan or cash advance if you have a job and can pay the money back fast. You may eventually need to get your first credit card to get through tough times and emergencies. Bigger loans, such as for a house or car, may require up to eight years of good credit history. Therefore, the time to start taking care of yourself financially is now, while you&#39;re in college. Sometimes credit cards and loans are the first step towards learning financial responsibility. Most students are simply inexperienced and may need a little guidance.&lt;br /&gt;&lt;br /&gt;It used to be that very few students had credit cards or qualified for loans. Lack of credit history, income and irresponsibility were insurmountable barriers when students were looking for loans and credit cards. Now days, credit card companies are realizing that college students can be their best customers. Student credit cards can be very easily obtained and require little steady income and little or no credit history.&lt;br /&gt;&lt;br /&gt;Building your credit is very important at this age, but you can also really hurt your credit and pay for it for years to come. Be smart and learn financial responsibility by being responsible. Don&#39;t take risks with your credit and stay on top of your budget.&lt;br /&gt;Credit card companies target students for many reasons and you should be aware before you take the plunge. First off, they know that students generally haven&#39;t learned how to manage their finances effectively, and they&#39;ll make a lot of money off of late fees and unpaid balances. Students are generally unaware of rates and they may not take the time to read and understand all of the fine print in the credit card or loan agreement. They may not notice that they are being charged certain fees, such as annual fees.&lt;br /&gt;&lt;br /&gt;Students are more easily convinced to apply for credit cards and loans. Sometimes they apply because they really need them, but sometimes they do just because they can. Credit card companies will set up booths with free t-shirts and other give-aways that entice students to apply for credit cards that they don&#39;t need. You may not have the self-control that it takes to only use your credit card for real emergencies once you have it in your hand. They also know that historically, students have used credit cards for shopping and dinner out with their friends. These spending habits are hard to break and you can get into trouble fast. Students tend to use the same card for years after they receive it.&lt;br /&gt;&lt;br /&gt;You can build a good financial history by using your credit wisely and responsibly. Make all of your payments on time and always pay more than the minimum. Shop around before applying for any student credit cards or loans. Look for the plan that most closely meets your needs and fits your lifestyle. When you build good credit, you&#39;ll reap the benefits for years to come.&lt;br /&gt;&lt;br /&gt;About the Author: Bob is an Online Marketing Strategist of paydayone.com, a company that can provide a [http://www.paydayone.com]payday loan or [http://www.paydayone.com]online payday loans to individuals.&lt;br /&gt;&lt;br /&gt;Article Source: http://EzineArticles.com/?expert=Bob_Guy http://EzineArticles.com/?Your-First-Credit-Card&amp;amp;id=834046</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/12/your-first-credit-card.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-7504738520054447756</guid><pubDate>Tue, 06 Nov 2007 00:03:00 +0000</pubDate><atom:updated>2007-11-05T18:05:12.105-06:00</atom:updated><title>Dollar Holds At New Low</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipt957646&quot; width=&quot;600&quot; height=&quot;600&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=t957646&amp;m=206595&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=t957646&amp;m=206595&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;600&quot; height=&quot;600&quot; name=&quot;swfclipt957646&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdt957646&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/11/dollar-holds-at-new-low.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-2253131103400853097</guid><pubDate>Sun, 14 Oct 2007 06:00:00 +0000</pubDate><atom:updated>2007-12-14T11:15:55.220-06:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">credit score</category><title>How To Get Your Credit Score For Free</title><description>Want to know how to get hold of your Credit Score for free?&lt;br /&gt;Here you’ll find some tips and advice from an attorney. &lt;br /&gt;&lt;br /&gt;The first thing to know is that you need to be truthful, but&lt;br /&gt;still cover over the bleakest part of your finances and&lt;br /&gt;accounts. Go into detail on any sickness, discharge, accidents,&lt;br /&gt;recovery and back taxes. &lt;br /&gt;&lt;br /&gt;When you need to consider a bankruptcy, consider carefully. It&lt;br /&gt;is best if you don’t incur any other debt or credit after&lt;br /&gt;declaring, because if you do, you may not be able to discharge&lt;br /&gt;them in bankruptcy. Moreover, do not reveal where you are&lt;br /&gt;working or where you bank. You don’t want this information to&lt;br /&gt;cause you trouble should someone get a judgement against you —&lt;br /&gt;by providing this information you’ve made their task much, much&lt;br /&gt;simpler. &lt;br /&gt;&lt;br /&gt;Cleanly answer the questions and queries but make no other&lt;br /&gt;comment. Rather than sending a check from your bank, get a money&lt;br /&gt;order or cashier&#39;s check so as to protect the name of your bank.&lt;br /&gt;What you want to do here is make your Credit Score zero. When&lt;br /&gt;you want to consider an attorney, always bear in mind that&lt;br /&gt;though an attorney carries influence and can do a fine job, they&lt;br /&gt;cost a lot of money. In addition, do not hire one unless you are&lt;br /&gt;indebted a great deal and have a sensible chance of a very fine&lt;br /&gt;deal. &lt;br /&gt;&lt;br /&gt;If you do have to pay a lawyer, sometimes what you set aside in&lt;br /&gt;arrangement is what you lose in the end. And when you are&lt;br /&gt;contacted by more than one creditor for the same debt, it almost&lt;br /&gt;certainly means the debt was sold a second time and you have&lt;br /&gt;avoided the first collector very well. In other words, you’ve&lt;br /&gt;made yourself hard to get a hold of, so the debt has been able&lt;br /&gt;to get incredibly old debt already. Moreover, many secondary and&lt;br /&gt;tertiary collectors at this phase might be willing to accept&lt;br /&gt;40-55 cents on the dollar and probably even less. When the&lt;br /&gt;collector agrees to resolve for less, be sure it is also&lt;br /&gt;designated on your credit report and statement. &lt;br /&gt;&lt;br /&gt;In addition, you may have tax complication on the debt owed.&lt;br /&gt;And any write off of $500 or more is considered profits to you&lt;br /&gt;the consumer. The creditor will send you and the IRS a form&lt;br /&gt;towards the end of the tax year. So get out of your debt any way&lt;br /&gt;you can. If at all possible, struggle to work out a repayment&lt;br /&gt;plan to get out of your debts. And if it so happens that the&lt;br /&gt;interest rate is too high, and you can’t practically get out of&lt;br /&gt;debt for the next 5 or 6 years, you might want to consider&lt;br /&gt;credit counseling.&lt;br /&gt;&lt;br /&gt;About the Author: Stu Pearson has an interest in Business and&lt;br /&gt;Finance related topics. To access more information on&lt;br /&gt;http://www.infactual.com/category/business/ or on&lt;br /&gt;http://www.infactual.com/2006/04/21/credit-score3/, please click&lt;br /&gt;on the links.&lt;br /&gt;&lt;br /&gt;Source: http://www.isnare.com&lt;br /&gt;&lt;br /&gt;Permanent Link: http://www.isnare.com/?aid=50292&amp;ca=Finances</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/11/how-to-get-your-credit-score-for-free.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>56</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-4338357654584889823</guid><pubDate>Sat, 22 Sep 2007 23:52:00 +0000</pubDate><atom:updated>2007-12-14T11:15:16.130-06:00</atom:updated><title>How To Get A Car Loan With Bad Credit</title><description>You need a new car, but you don&#39;t have the best of credit. However, even with bad credit it is still possible that you can get an auto loan. By knowing the options available to you, you can also save thousands of dollars.&lt;br /&gt;&lt;br /&gt;By going online you can compare auto loans from all competitors in one place without the hassle of phone calls. You can also shop for loans from the comfort of your own home without feeling under pressure. In addition, you won&#39;t have to wait for hours at the car dealership for loan approval.&lt;br /&gt;&lt;br /&gt;&lt;div 5px 5px;” style=&quot;”display:block;float:right;margin:&quot;&gt;&lt;br /&gt;&lt;iframe border=&quot;0&quot; frameborder=&quot;0&quot; marginheight=&quot;0&quot; marginwidth=&quot;0&quot; height=&quot;240&quot; src=&quot;http://rcm.amazon.com/e/cm?t=cmasmonpag-20&amp;o=1&amp;p=15&amp;l=st1&amp;mode=books&amp;search=bad%20credit%2C%20credit%20repair&amp;fc1=000000&amp;lt1=&amp;lc1=3366FF&amp;bg1=FFFFFF&amp;f=ifr&quot; style=&quot;border:none;&quot; scrolling=&quot;no&quot; width=&quot;468&quot;&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&lt;br /&gt;&lt;br/&gt;&lt;br /&gt;&lt;br/&gt;&lt;br /&gt;1. Find out what your credit situation is like before shopping. Find out what your credit score is, depending on your number it may not be wise to get an auto loan. If you don&#39;t think you should get an auto loan then simply save up the money so you can pay cash. With bad credit auto loans you may have to pay up to twenty-nine percent interest. By considering this you can end up paying double for your new car. In this case saving money would be the better way to go.&lt;br /&gt;&lt;br/&gt;&lt;br/&gt;&lt;br /&gt;2. You will get a better deal on new cars if you wait until the end of the month to make the purchase. This is when the dealerships give the big incentives to the salesperson. Therefore this gives them an incentive to give you an auto loan even if you have bad credit. &lt;br /&gt;&lt;br/&gt;&lt;br/&gt;&lt;br /&gt;3. If you can find someone with good credit who is willing to be a co-signer then your chases of getting an auto loan will increase. However, the co-signer must have excellent credit since they would be responsible for making the payments on the car if you can&#39;t. &lt;br /&gt;&lt;br/&gt;&lt;br/&gt;&lt;br /&gt;4. Make sure you monthly income is at least twelve hundred dollars. No more than twenty percent of your income should be put towards an auto loan payment. This wouldn&#39;t allow you enough extra money for living expenses. This can also be combined income if you are married&lt;br /&gt;&lt;br/&gt;&lt;br /&gt;&lt;div 5px 5px;” style=&quot;”display:block;float:left;margin:&quot;&gt;&lt;br /&gt;&lt;br /&gt;&lt;iframe border=&quot;0&quot; frameborder=&quot;0&quot; marginheight=&quot;0&quot; marginwidth=&quot;0&quot; height=&quot;250&quot; src=&quot;http://rcm.amazon.com/e/cm?t=cmasmonpag-20&amp;o=1&amp;p=12&amp;l=st1&amp;mode=books&amp;search=bad%20credit%2C%20credit%20repair&amp;fc1=000000&amp;lt1=&amp;lc1=3366FF&amp;bg1=FFFFFF&amp;f=ifr&quot; style=&quot;border:none;&quot; scrolling=&quot;no&quot; width=&quot;300&quot;&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;/div&gt;&lt;br /&gt;&lt;br /&gt;&lt;br/&gt;&lt;br /&gt;5. Look into first time car buyer programs online. Some of these online programs will make it easier for you to get your car.&lt;br /&gt;&lt;br/&gt;&lt;br/&gt;&lt;br /&gt;With the ease of new online tools you can simply do a search for bad credit auto loans. You will get many resources and tools that will help you choose the right auto loan for you. Always remember to do your research first before applying for any bad credit auto loan. By researching and selecting the right loan you will save both time and money when buying your new car.</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/08/how-to-get-car-loan-with-bad-credit.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-1641653900565243298</guid><pubDate>Tue, 28 Aug 2007 02:38:00 +0000</pubDate><atom:updated>2007-08-27T21:38:44.078-05:00</atom:updated><title>Is Washington Doing Enough In Credit Crisis?</title><description>&lt;div id=&quot;cubeDiv&quot; style=&quot;position:relative;&quot;&gt;&lt;span style=&quot;position:relative; z-index:2;&quot;&gt;&lt;object classid=&quot;clsid:d27cdb6e-ae6d-11cf-96b8-444553540000&quot; id=&quot;swfclipt642730&quot; width=&quot;600&quot; height=&quot;600&quot;&gt;&lt;param name=&quot;allowScriptAccess&quot; value=&quot;always&quot; /&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=t642730&amp;m=90942&amp;v=1&quot; /&gt;&lt;param name=&quot;base&quot; value=&quot;.&quot;/&gt;&lt;param name=&quot;wmode&quot; value=&quot;transparent&quot;&gt;&lt;embed src=&quot;http://www.thenewsroom.com/mash/swf/cube.swf?a=t642730&amp;m=90942&amp;v=1&quot;base=&quot;.&quot; wmode=&quot;transparent&quot; width=&quot;600&quot; height=&quot;600&quot; name=&quot;swfclipt642730&quot; allowScriptAccess=&quot;always&quot; type=&quot;application/x-shockwave-flash&quot; pluginspage=&quot;http://www.macromedia.com/go/getflashplayer&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;span id=&quot;voxAdt642730&quot; style=&quot;position:absolute;z-index:2;&quot;&gt;&lt;/span&gt;&lt;/div&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/08/is-washington-doing-enough-in-credit.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-3540992378908733418.post-964291848252267894</guid><pubDate>Wed, 07 Mar 2007 21:43:00 +0000</pubDate><atom:updated>2007-03-07T15:46:11.084-06:00</atom:updated><title>Jewely purchases for people with Bad Credit</title><description>Crown Jewelers offers a, no credit check, Zero down credit program for people with challenged, less than perfect or no credit. We do not pull a credit report for credit approval.&lt;br /&gt;&lt;br /&gt;Check it out &lt;a href=&quot;http://www.crownjewelers.com/CreditProgram.asp?gclid=CKCw1aDR44oCFQGPWAodJkW-2w&quot;&gt;here.&lt;/a&gt;</description><link>http://dailylivingwithbadcredit.blogspot.com/2007/03/jewely-purchases-for-people-with-bad.html</link><author>noreply@blogger.com (Proletariatof1)</author><thr:total>1</thr:total></item></channel></rss>