By Michaela Davila
When used appropriately and paid off consistently, credit cards can be a real asset. However, they can also be a hindrance, especially for a person who has a hard time controlling his spending habits. Whether you need help with self-control, or your card has simply been lost or stolen, there may be a time when you need to cancel it. Each type of card is different, so there's a specific...
By M. J. Kelly
Your credit report from Equifax reveals personal information that allows creditors to judge whether you are credit worthy. Your ability to obtain a credit card or a mortgage depends on how responsible you have been with your credit over time. Request and read your credit report from Equifax at least once a year to ensure that what your creditors see is accurate. The tips below will help you...
By Love to Write
A short term loan or payday loan is typically a loan that has to be paid back within 7 to 30 days. There are several payday loan companies in Ohio such as Think Cash, Magnum Cash Advance and Check into Cash. These types of loans are available to those who are struggling to make ends meet or need cash for emergencies. The one benefit to this type of loan is that there is no credit check---this...
By Paul Bright
While under financial duress, you may consider selling your home to either use the profits to make ends meet or reduce debt. But if the real estate market is in a low and your home's value is considerably less than what you owe, you might consider doing a short sale. It's important to understand what a short sale can do to your credit report. If you decide that you are no longer going to ...
By Casey Lognion
When someone steals your credit-card number, it is considered identity theft, even if they don't use the credit-card number. Once a thief has a valid credit-card number, it becomes easier for him to steal your full identity and open credit accounts in your name. If you discover that your credit-card number has been stolen, take quick and thorough action. When you get a new credit card, write ...
By Barb Nefer
Statistics show that more and more teenagers are getting credit cards, often while they are still in high school. By their sophomore year in college, the vast majority of teens have their own cards. This trend can lead to some negative consequences for youngsters who don't plan for the long term. Although teenagers cannot legally open a charge account until they reach the age of 18, many...