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Tag Archives: Credit

Protect Your Credit From an Angry Ex

Written by Dave Perry on July 7, 2013.

Breakups are tough enough, but if you shared a credit card or another account with your former boyfriend or girlfriend things could get nasty.

A scorned ex-lover might seek revenge by running up the balance on your joint credit card. Or, if they have access to your account information, they could drain your bank account. Worse, with your social security number, they could open accounts in your name.

After a breakup, it’s important to sever ties, especially financial ones. Sometimes that’s easier said that done. Still, do what’s necessary to keep your ex from ruining your credit.

Teaching the next generation to save their money can have a long lasting impact. Not only would it help todays youth not rely on credit to meet their financial goals, but it will also help to create a discipline around saving. At Georgia Power Credit Union, it is currently offering a Young Savers Accumulative Education Account with competitive savings rates of 1.15% APY.  A rate this good is just what todays children need to jump-start their financial goals and incentivize a saving habit.

Georgia Power Credit Union Youth Savers Terms and Conditions

The Georgia Power Credit Union Youth Savers account is open to anyone who is under 25 years of age.  The savings rate on this account is 1.15% APY, with a minimum balance requirement on the account is $100. Inte

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‘Can I get a credit black mark removed?’

Written by Oliver Laker on June 18, 2013.

CW

  • How to boost your credit rating

    23 May 2013

I have arranged for Equifax one of the credit reference agencies to write to you to offer you a complimentary copy of your credit file and to go through the file with you once you have this. It will then help you add a notice of correction.

Meanwhile here are some answers to questions others in a similar predicament might want to ask.

TRUE INFORMATION CANNOT BE OBLITERATED FROM A CREDIT FILE

Historical information will not be altered unless the lender agrees the data was incorrect. Information will go back six years or even longer.

WHAT CAN I DO ABOUT IT THEN?

However you can explain to a would-be lender or other interested party how the black mark came to be there via a note of correction.

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Credit cards for students

Written by Oliver Laker on March 1, 2013.

How to successfully apply for a student credit card Much like getting your drivers license or graduating with a degree, obtaining your first student credit card is an important rite of passage into adulthood. For this reason, knowing who the card providers are and how to successfully apply for a student credit card is vital to building up a good credit history.

Obtaining your first credit card as a student can be exciting – the ability to purchase goods at the swipe of a piece of plastic is convenient and can be an exciting thrill. Yet, with great power comes great responsibility, as the saying goes.

Required application criteria

Many of the banks in Australia have an easy enough eligibility criteria for students wishing to apply for a credit card. F

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The 7 Best 0% APR Credit Cards for November

Written by Dave Perry on February 22, 2013.

Balance transfers are an incredibly valuable way to suspend interest payments on credit card debt. But it is even better for cardholders to take advantage of interest free financing on new purchases before they begin to start paying interest. This November, credit card issuers are offering many products that feature 0% promotional financing on new purchases in addition to balance transfer offers.

Here is a rundown of the top 5 offers presently available.

Citi Simplicity & Citi Diamond Preferred

The Citi Simplicity card features 18 months of interest free financing on new purchases and balance transfers. There is no annual fee, late fee, or penalty interest rate for this card.

The Citi Diamond card offers the same 18 months of interest free financing on new purchases and balance transfers as the Simplicity.

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