Lexington Law’s Credit Repair Services

By Michael McConachy  Jan, 07, 2012  

Credit repair is a serious undertaking. If you choose to work with a credit repair advocate, you need someone you can trust. Lexington Law is proud to have served our clients for two decades. Our core values include:

  • Excellence. At Lexington Law, our results speak for themselves. Our credit repair services have helped over a half-million clients work to repair their credit. Our accessibility, quality of service, and expressed client satisfaction are just a few of the traits that set us apart from the competition. To put interested parties at ease, we offer a free, no obligation consultation. Our staff will help you understand:
    • The positives and negatives of your credit report
    • The components of credit scoring
    • The importance of good credit
    • Ways to improve your score in everyday life
  • Integrity.

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The beneficial usage of rewards credit cards

By Admin  Jan, 07, 2012  

There is absolutely no doubt that the rewards credit cards can offer any individual additional benefits assuming they pick one that does not wipe out the incentives earned by charging high interest rates. Specific bonuses offered are very different, including cash back on the things you buy online to retail stores, air miles, gas and restaurant discounts or additional goods and services.

rewards credit cards
There are certain things you will need to look for when selecting a rewards credit card. Read more…

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A New Verizon Fee for Some Bill Payments

By Jasmine Pinschof  Jan, 03, 2012  

Our colleagues on the Bits blog have a post of interest to our readers, too. It says that Verizon Wireless plans to begin charging a $2 fee on Jan. 15 when customers use their credit cards to make a one-time payment online or over the phone.

The company, which calls the $2 charge a convenience fee, said that customers who make automatic monthly payments with their credit or debit cards or through their checking accounts will not have to pay the extra charge.

The company said it was encouraging people to use these free options, which also include sending a paper check or pushing money electronically to the company via your banks online bill-payment system. The fee also wont apply to one-time credit card payments made in a Verizon store.

Companies like being able to deduct monthly payments from subscribers accounts because they are guaranteed the money.

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Tips to Securing a Car Loan when you have Poor Credit Posted By : R.Anderson

By Michael McConachy  Jan, 01, 2012  

Tips to Securing a Car Loan when you have Poor Credit – By: R.Anderson

Finding car financing is easy when you have good credit but when you have poor credit rating, many institutions will not want to deal with you. Some lenders that are willing to take your case will charge you an arm and a leg when it comes to interest rates. This article will discuss the various options for finding an auto loan when you have bad credit and how to get a better interest rate.

Listing the Options
There are various places where you can try to find financing such as your local bank, the Internet, credit unions and your local car dealership. Although some of these sources such as your bank may not be able to provide you with a loan if you suffer from bad credit. Read more…

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Knowing University Student Credit Card Debt

By Oliver Dalrymple  Dec, 28, 2011  

Since the credit limit on university student cards is much less, the college student card debts could not rise to the levels it can for some other credit-based cards. Nevertheless, university student credit-based card debt is an even greater nuisance since lots of students happen to be in debt because of the loan theyve acquired for their schooling. Should they pass out of college with college student credit-based financial debt, they will have to payback not just the financial loan they taken for studies but also their university student charge card debt.

College student credit-based cards could be a good thing that will help university students make ends meet, or maybe they can be the start of financial difficulties.

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Do You Understand Your New Credit Card Agreement?

By Jasmine Pinschof  Dec, 16, 2011  

Last week we wrote about the U.S. Consumer Financial Protection Bureaus ongoing crusade aiming to simplify credit card agreements, even as the CFPBs own survey had found that consumers reported to be fairly satisfied with how the current, post-CARD Act, version is presenting the terms and conditions of these contracts.

As promised, the CFPB has now released its vision of a shorter, simpler credit card agreement and has posted it on its website for comments. Well, having reviewed CFPBs version and compared it to a generic agreement, my conclusion is that it is neither shorter, nor simpler, although it is made to look that way. Let me explain.

The bureau has split the credit card agreement into two separate parts.

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New Credit Score Provides more Insight into Consumers’ Financial Behavior

By Oliver Dalrymple  Dec, 12, 2011  

A new credit scoring system is being developed that aims to create a more complete depiction of a consumers financial standing, which will include payday loan applications, rental payments in collection and judgments for child support, phone bills, property tax liens, and utility bills, among many others.

CoreLogic, which was founded 1991, introduced the CoreScore credit report earlier this month as a means of giving lenders an opportunity to make better informed lending decisions, with the actual score coming in March of 2012.

All of the information included in CoreScore is publicly available which the major credit bureaus typically overlook as trivial or too complicated to track.

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CitiBank Credit Card Offers – DEC 2011

By Jasmine Pinschof  Dec, 10, 2011  

Despite news this week of CitiGroup, the parent of CitiBank, slashing close to 5,000 jobs in the upcoming months, its credit card division continues to flourish. Blaming the cuts on unprecedented market conditions, it appears the conglomerate is banking on several new credit card offers, including the Citi Thank You card. Here are a few more of the current offers and promotions, courtesy of CitiBank.

This credit card offer comes with several perks, including 40,000 Hilton HHonors bonus points after spending $1,000 in your first four months of opening your account. Wondering what that equates to in terms of hotel stays?

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