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Getting Your Credit Score Back to a Healthy Number

Published by Nathan Y on May 15th, 2013

When you find that you have bad credit, it is important that you try to fix it as soon as possible. Having bad credit can keep you from a variety of financial opportunities and you want to take the time that you need to fix your credit quickly and as effectively as possible. Whether you have had problems getting your bills paid or you have defaulted on a loan, you should understand that you are not alone. There are millions of people in the United States that have bad credit and the frustration that you feel when dealing with a

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Using One or Two Credit Cards

Published by Steve H on July 20th, 2012

Credit cards are a vital part of the way we both spend and manage our money. They allow us to quickly do financial transactions with a single swipe of plastic, greatly streamlining the process for everyone involved. Credit cards are also used for the system of building and retaining credit over time. Lines of credit are essentially a contract between an individual and the lenders which they are taking out the line of credit from. The individual is able to pay a certain amount on the spot towards a purchase with the understanding that those funds will be paid back. Credit score

Tags: Building, Credit Cards, Using One or Two Credit Cards, build credit, credit, credit score, manage money

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Are Credit Unions A Better Option?

Published by Don M. on June 13th, 2011

All across the US, local credit unions are a trusted banking and loan option for customers. But since credit unions cannot operate with a motive for profit like traditional banks, some credit unions have made it a habit to keep cash flow steady by increasing payday loan fees for their customers. Last September marked a big change for credit unions who offer payday loans. The National Credit Union Administration raised the annual interest rate cap from 18% to 28% allowing credit unions to charge more for payday loans they offer. But some credit unions aren’t apparently satisfied with this increase.

Tags: APR, credit unions, myths about payday loans, payday loan rates, payday loans

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Get Ready For Next Month’s Debit Card Changes

Published by Don M. on June 16th, 2010

Banks are spreading the word that beginning next month, there is a new policy going into effect with debit cards. The policy was enforced to help stop customers from being hit with a bunch of expensive overdraft fees from using their debit cards for purchases or ATM withdrawals without sufficient funds in the account. Although the new policy is found to be pleasing by many who many have experienced an accidental use of insufficient funds in the past and had to deal with expensive repercussions; many are nervous about having to deal with angry card users when their cards get

Tags: banks, checking accounts, overdraft fees, prepaid debit cards

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5 Rules for Hard to Hack Passwords

Published by Tyler R. on April 13th, 2010

Is your password 123456 or the name of your favorite chocolate dessert? Chances are you are among the many millions of internet users who have passwords that are easy to crack. Taking a look at the statistics of hacked accounts confirms this theory. In an article published by Wired magazine, out of 10,000 Hotmail accounts cracked in the study, 64 had the password of 123456, another 42% of the passwords were lowercase only letters from a-z and only 6% mixed alpha, numeric and other symbols to create their passwords. However, you are in luck because there are a few simple

Tags: financial advice, netspend prepaid debit card, prepaid debit card

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2 More Banks Have Been Breached

Published by Jared W on April 5th, 2010

The number has hit 22, just in the year 2010, with two new Ohio banks debit cards being breached this week. The first Ohio breach occurred in the Cleveland, OH based National City Bank, which has transferred ownership to PNC Financial Services. The second break in security was with an Unidentified Third-Party lender of Fifth Third Bank and has caused the bank to replace affected debit cards in not only Ohio but Michigan as well. The first break was believed to be a small breach and a PNC spokesman says that they believe that the only consumers that were affected

Tags: bank, credit union, financial advice, investment, savings

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Loan Regulations that Just Don’t Make Sense

Published by Administrator on March 23rd, 2010

Why is it that people government just don’t seem to “get it” ? I realize some of the time they just get bogged down with so many things to do, so many people to schmooze, trips, bills to negotiate on, fund raising and such, but sometimes the things they do make me scratch my head and say “What ? “. For example, the latest legislation proposed in Wisconsin, as covered by JSOnline.com in the editorial “Rein In Payday Lenders”. When reading this editorial I had to try hard to overlook the slight of tongue which is essentially calling Payday Loan

Tags: consumers, legislation, wisconsin

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Shop Around: Choosing a New Bank May Save you Money

Published by Jared W on February 15th, 2010

Have you recently been accused of being a penny pincher or thinking too much about saving a few cents? That is perfect! In an economy that is ever shrinking and ever deflating, you need to be considering every penny and accounting for every dollar that comes out of your bank account. Do you know all of the fees that your bank or credit union are charging you? Do you know if they are all fees that apply to your situation? Is your bank or credit union insured by the FDIC ensuring that your money is safe and will always be

Tags: check cashing services, check city, check city location, money transfer, netspend prepaid debit card

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Credit Card Skimming: Protect Yourself

Published by Jared W on January 29th, 2010

Yesterday I wrote about the problems going on with Credit Card duplication with many banks around the country. Old National was added to that list of banks that have been hit by fraud, so it is now more important than ever for you to watch your cards and your finances to be sure you aren’t being hit by these thieves. In addition to these card copiers, there are card skimming machines that you may not know about as well. These are little machines that are either right above or below the actual credit card scanner that scan your card as

Tags: banks, cash advance, credit card skimming, free money orders, gold buying, money transfers, payday loans

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Free Checking set to Join Free Burgers and Toasters on the Yeah Right List

Published by Jared W on January 22nd, 2010

Free checking is a privilege that many Americans have taken for granted so long, that they now feel entitled to it. Some banks started offering free checking as a privilege for their service, but now most banks offer it as a service that many people now take for granted. However, now, free checking may be becoming endangered as banks feel heat from every side. The biggest impact on checking accounts is likely to come from regulations on overdraft protection fees. In July, banks will need permission from customers before allowing them to use their debit cards to spend more than

Tags: Check Cashing, checking accounts, prepaid debit card, prepaid visa card

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Archive for the ‘Credit Unions’ Category:

Getting Your Credit Score Back to a Healthy Number

Using One or Two Credit Cards

Are Credit Unions A Better Option?

Get Ready For Next Month’s Debit Card Changes

5 Rules for Hard to Hack Passwords

2 More Banks Have Been Breached

Loan Regulations that Just Don’t Make Sense

Shop Around: Choosing a New Bank May Save you Money

Credit Card Skimming: Protect Yourself

Free Checking set to Join Free Burgers and Toasters on the Yeah Right List

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The Cash Advance Pundit!

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