Download or read book How You Can Profit from Credit Cards written by Curtis E. Arnold and published by FT Press. This book was released on 2008-06-06 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.
Download or read book Credit Scores Credit Reports written by Evan Hendricks and published by . This book was released on 2004 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly effect the financial standing of millions of Americans, few people understand them.
Download or read book Improve and Increase Your Credit Score written by Jason R. Rich and published by Entrepreneur Press. This book was released on 2013-02-08 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bestselling author Jason R. Rich joins forces with top credit experts and delivers an insider’s guide to credit. Revealing jaw-dropping secrets, strategies and tools, Rich and his team of industry insiders show consumers how to get out from under any credit crunch, and get back in control of their financial future. Reveals how to increase a credit score, remove incorrect and negative information from credit reports, rebuild destroyed credit, and ultimately, save hundreds, possibly thousands, of dollars every month! •Boost credit scores and overall rating •Work with collection agencies, creditors, and lenders to pay off debts and overcome past mistakes •Get the best rates on credit cards, auto loans, and mortgages and start saving •Avoid the most common financial and credit-related mistakes made by millions •Learn how to identify and avoid “credit repair” and “credit score boosting” scams •Use online solutions to better manage your finances and credit cards •And more Includes worksheets, exclusive interviews with credit experts and supplemental resources.
Download or read book Credit Scores Credit Cards written by and published by Silver Lake Publishing. This book was released on 2005 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit scores have become the golden keys to successful borrowing. But what does it all mean? This text describes how to make credit history, financial data, account information and other essentials strong and safe.
Download or read book College Success written by Amy Baldwin and published by . This book was released on 2020-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book From Here to Financial Happiness written by Jonathan Clements and published by John Wiley & Sons. This book was released on 2018-09-05 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Just 77 days to a happier, more prosperous life! From Here to Financial Happiness is the day-by-day guide for anyone dreaming of a better life. Whether you’re dealing with debt, uncertain about retirement or simply want to get a grip on your finances, this book can put you on the road to happiness with a simple 11-week journey. Just 5-10 minutes a day to think about money, your habits, your goals, and your dreams. What steps can you take today to get your finances on track? What bad habits, bad investments, and misconceptions should you let go of? This book is packed with 77 days’ worth of real, actionable guidance for getting your money right—for good. It’s not an investment scheme, not extreme couponing, not something else to add to your daily to-do list. Instead, it’s about changing you—and the way you handle and think about money—so you can start building the life of your dreams. The next 11 weeks will be a revelation: Some days you’ll learn about finance, other days you’ll learn about yourself. Many days, you will be given a concrete list of things to do—right at that moment—to start steering your financial situation onto the right path. Learn how to stack the financial odds in your favor Amass savings for retirement, the children’s college or that next financial emergency Change your perspective on money and its role in your life Get your financial house in order—and keep it that way A better life is possible. You do have the power to change things for the better. From Here to Financial Happiness is your personal roadmap to financial freedom.
Download or read book Credit Secrets Everything the Credit Card Companies Don t Want You to Know written by David Smallwood and published by Lulu.com. This book was released on 2009-06 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the ultimate guide to all things credit -- filled with secrets for improving credit scores and credit lines while moving toward a worry-free life.
Download or read book The Credit Card Guidebook written by Bill Hardekopf and published by Lulu.com. This book was released on 2008-08-11 with total page 163 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Credit Card Guidebook simplifies all the facets of the credit card industry. Learn how to find the right card for you; how to decipher the confusing Terms and Conditions of a card; how to get started with no credit; and how you can make money off your credit cards.This book is written by Bill Hardekopf, John Oldshue & Lynn Oldshue, the owners of LowCards.com, the #1 rated Internet resource for credit card information. LowCards.com simplifies the confusion of shopping for credit cards. It is a free, independent website that helps consumers easily compare all the credit cards offered in the United States in a variety of categories such as lowest rates, rewards, rebates, balance transfers and lowest introductory rates. It also gives an unbiased ranking and review for each card.
Download or read book The Smart Consumer s Guide to Good Credit written by John Ulzheimer and published by Simon and Schuster. This book was released on 2012-05-01 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most credit books promise quick fixes and easy solutions to bad credit, but the truth is there is no quick fix when it comes to credit. Your best strategy as a smart consumer is to understand your credit inside and out. Credit expert John Ulzheimer can give you all the tools you need to master the world of credit, before or after you get into trouble, and take the power back into your own hands. Topics covered include: • The difference between a credit score and a credit report • The best way to deal with collection agencies • How to monitor your credit report • Protecting yourself from identity theft • The impact of student loans on your credit score • How to opt out of unwanted credit card offers The Smart Consumer’s Guide to Good Credit answers all of your questions about credit (including the ones you didn’t even know you should be asking!) and yes, even explains the best ways to work toward improving a bad credit score.
Download or read book Getting a Credit Card written by Ann Byers and published by The Rosen Publishing Group, Inc. This book was released on 2019-07-15 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most people today must borrow money to buy a car, a house, or go to college. Borrowing with credit cards is a way of life in the modern world. Readers learn how to make credit work for them instead of falling into long-term debt. This invaluable guide covers secured and unsecured credit, how to calculate interest, understanding statements, choosing the right card, fees, billing cycles, minimum payments, balance transfers, and cash advances. Readers will learn about credit scores and credit reports, whether they are a good credit risk, and how to protect their personal information.
Download or read book Credit Score Power written by Tracy Becker and published by iUniverse. This book was released on 2011-06-22 with total page 115 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit scores are a mystery to many American consumers. Even the most seasoned professionals are shocked to learn how easily their credit can be destroyed. In CREDIT SCORE POWER, author Tracy Becker offers insight into navigating the scoring system and focuses on how to help consumers keep their credit scores high. With more than twenty years of experience in the industry, Becker gives a simple and clear view of what makes and breaks fantastic credit scores. CREDIT SCORE POWER discusses the following: The credit bureaus and what they do Credit scores and the credit score process Methods for shopping for a mortgage Financial distress The secret to having the best credit Credit monitoring and identity protection Credit scores are an important aspect of consumers lives and can greatly affect the interest paid on loans and credit cards. The information presented by Becker helps people understand the system in order to have the best opportunity and highest savings in interest a credit score can offer.
Download or read book The Skinny on Credit Cards written by Jim Randel and published by RAND Media Co. This book was released on 2009 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Skinny on Credit Cards is the story of Billy and Beth, a typical American couple, as they struggle with the use (and abuse) of their credit cards. Our story also looks at their 18-year-old son, Jake, a college freshman who loves the idea of having his own credit cards. Through their experiences, we learn about the incredible convenience, heartache, and commentary generated by that little piece of plastic.
Download or read book First Credit Cards and Credit Smarts written by Ann Byers and published by The Rosen Publishing Group, Inc. This book was released on 2009-08-15 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses the consumer credit system and credit cards, including how to properly manage credit card interest, understanding credit scores, and the common pitfalls of credit card debt.
Download or read book Credit Scores and You written by Richard Johnson and published by Dog Ear Publishing. This book was released on 2011 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Credit Scores and You" is the definitive guide on how to create, maintain, or repair your credit score. Knowing how to get your credit score over 700 and to keep it there can save you tens of thousands of dollars over the course of your lifetime. The book is the result of the author's desire to give financial direction and inspiration to his two sons as they grew into young adults. His career in lending and the financial world has provided a keen understanding of what is required to build a solid financial base, and how vitally important an excellent credit score has become in business, and in day-to-day life. It shares real life experiences, and provides information on getting started in finances, handling money, and how to build your credit history. Learning about trade lines, the credit scoring system, and when to consider various loan products is discussed. How your credit history impacts what you do and what it can cost you over time is the essence of this subject. A good credit score involves much more than what it will cost for a particular loan product. Your credit score is considered when you apply for a job, when you are looking for housing, and how the insurance company views you as customer. That simple three-digit number has become more profound since the mid 1990's than ever before. Your credit score will determine whether or not you are approved for a loan product. In many cases it will also dictate how much you will pay in interest rates and fees. Excellent credit scores will open many more doors and save you money. A good credit score will also help you when applying for a job. Many employers will run a credit check along with a background check before they will consider a candidate for employment. High or low credit scores are considered a reflection on how an applicant may perform on the job. Insurance companies have their own methods for determining risk, and charge insurance premiums based on that data. Credit scores in recent years have become one of the factors that they look at on an insurance application. High or low credit scores can be one of the determining factors in what they charge. Having an understanding of the importance of a great credit score should not be underestimated. 'Credit Scores and You' will give the reader an excellent basis for getting on the right track toward financial wellness.
Download or read book Credit Data and Scoring written by Eric Rosenblatt and published by Academic Press. This book was released on 2020-01-21 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms illuminates the often-hidden practice of predicting an individual's economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective, the book also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory and data manipulation. Provides insights into credit scoring goals and methods Examines U.S leadership in developing credit data and algorithms and how other countries depart from it Analyzes the growing influence of algorithms in data scoring
Download or read book The Plastic Effect written by Polly A. Bauer and published by Coconut Avenue, Inc.. This book was released on 2012-12-14 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER 2013 ~ INDEPENDENT PUBLISHER LIVING NOW BOOK AWARD ~ GOLD MEDAL for best book in Finance/Budgeting. "The Living Now Book Awards celebrate the innovation and creativity of newly published books that enhance the quality of our lives and publicize the importance of these books to readers ." Do you have a credit card? Roughly 70% of adults in the U.S. do. In fact, Americans average 3.5 credit cards per person – that‛s a lot of plastic! Even with all that buying power in their wallets, most consumers have no idea the ways that they use (or misuse) their credit cards can affect their health, their relationships, and their credit scores. Many factors go into mounting credit card debt: impulse shopping, health emergencies, the loss of a job, marriage, divorce, a death in the family. With this debt comes stress, arguments, loss of sleep, inability to pay other bills, worry, health problems, crumbling relationships. Does any of this sound familiar? Increasing credit card debt and a lack of knowledge about how credit cards really work have created a new social phenomenon called The Plastic Effect. And if you have a credit card, The Plastic Effect can affect YOU. In this new book, internationally recognized credit card expert, Polly A. Bauer, CPCS and attorney Stephen Lesavich, PhD, JD, have selected 25 of the most common urban legends influencing the use and misuse of credit cards. The authors, as business leaders and credit card experts, walk you through these urban legends about how credit cards are used and misused, explaining what is true and what is likely to cause you trouble. You will get access to resources and additional information about each myth, tips from industry experts, and guidance that will help you use your credit cards more intelligently and effectively. You‛ll also learn how to understand your credit reports, improve your credit score and manage your debt in a way that puts the power back in YOUR hands. In short, this book will help you break free of The Plastic Effect."
Download or read book Top 10 Secrets for Managing Credit Cards and Paying Bills Successfully written by Therese M. Shea and published by The Rosen Publishing Group, Inc. This book was released on 2013-07-15 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most teens learn about managing credit and other financial matters from their parents. But with the average American family carrying more than $7, 000 in credit card debt, teens clearly need additional sources of information about personal finance. In this book, the author shares ten simple rules, or "secrets, " for managing bills successfully and avoiding the debt trap. With clear explanations, a helpful glossary, and fascinating financial facts, it can help teens build a foundation for a healthy financial future.
