http://www.articleheaven.com en-us editorial@articleheaven.com What Are The Differences Between Unsecured And Secured Credit Cards? A secured card is a credit card that a cardholder "secures" with a deposit to ensure payment of the outstanding balance if the cardholder defaults on payment. Secured credit cards are... http://www.articleheaven.com/article_652577_72.html 30th September 2008 Why are credit card companies so eager to offer you 0% balance transfer to you? Why do they make it look so tempting to transfer that debt to there 0% credit card? What does someone in debt see when they are offered this amazing 0% balance transfer offer?... http://www.articleheaven.com/article_641420_19.html 18th September 2008 Bad Credit Warning If your credit is damaged, don't fall victim to a company that promises to be able to repair your credit for you. Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up you... http://www.articleheaven.com/article_631592_19.html 09th September 2008 Credit bureaus, also referred to as a credit repository, is an entity that gathers information about consumers' credit histories. Your credit history includes information concerning your identity, your payment habits, and your public record. Credit bureau... http://www.articleheaven.com/article_620586_19.html 05th September 2008 The multiple options available to consolidate ones debts can be quite confusing, credit counseling programs, debt settlement, debt consolidation loans, bankruptcy are just a few options available today. Trying to find the best option to suit your current ... http://www.articleheaven.com/article_617451_19.html 03rd September 2008 There are simple steps you can take to get yourself out of debt. Unfortunately they are not necessarily easy, but if you stick to them, you will become closer to debt freedom. Stop Borrowing Money Step one to escaping debt is to stop borrowing money... http://www.articleheaven.com/article_612283_19.html 01st September 2008 What is your debt to income ratio? Take your monthly fixed expenses and divide that by your gross monthly income (before taxes and deductions). The percentage should be greater than 36%, your credit score will be negatively affected because you are consid... http://www.articleheaven.com/article_607642_19.html 22nd August 2008 Many people now a days have severe financial difficulties. While bankruptcy is usually the last resort in a long road of financial pressures for many, others may declare bankruptcy a little too early, sometimes without even considering the bankruptcy alte... http://www.articleheaven.com/article_596212_19.html 13th August 2008 Managing Your Checkbook Do you know how to balance your checkbook? Do you have overdraft protection on your checking account or a debit card? Many consumers fail to properly manage their finances, and they do not understand the consequences of a misman... http://www.articleheaven.com/article_584862_73.html 22nd July 2008 Students did you know you are graded on more than the subjects that you are taking. During this time of your independence the use of credit cards will become part of your credit history. Later on in life other creditors will use this information to see wh... http://www.articleheaven.com/article_580414_72.html 18th July 2008 If you even know what that is then likely you are. If you are between 20-30 years old that pay for everything with a plastic card then you may be part of the Plastic Generation. You think the space in your wallet is for receipts not cash. This behavior... http://www.articleheaven.com/article_571597_72.html 07th July 2008 Newspapers, radio, TV and the Internet are filled with advertisements that offer to erase accurate negative information in your credit file. The credit repair scam artists who run these ads can’t deliver. Only time, a deliberate effort, and a plan to re... http://www.articleheaven.com/article_566148_19.html 30th June 2008 Below are some debt statistics that you may find interesting to read. * Almost one out of every 100 households in the United States will file for bankruptcy. * Out of all card holders within the U.S., 51% are females * 43% of U.S. familie... http://www.articleheaven.com/article_559817_19.html 20th June 2008