The Requirements For Providing A Good Credit Card Application Report

The business credit card has a high efficiency when it comes to granting, obtaining, and expending loans. There are application forms that must be filled by the applicant who applies for business credit card and it can be done with the use of internet. The customer is granted a line of credit that he can access and expend when he/she is in need. Some of the customer possesses good records of credit history. The limit for the credit will automatically rise then; the increase of the loan amount will be attained by exerting much effort....more

Pyrex & Pennies: Big Purchases and Bad Decisions

Now that we're in our 30s, my husband Kyle and I would like to buy a home at some point in the near future. I want a space I can make ours (read: I want to rip down cabinets, build things into walls, etc.), and we are desperate to have enough outside space for a chicken coop and garden beds so we can grow a good portion of our own food. ...more

Why Having Bad Credit Probably Saved My Financial Life

Look. I will be the first one to tell you -- as someone who is attempting to repair her very damaged credit -- that trying to fix credit is much harder than I ever thought possible. I had collections on my credit, for very small amounts, mind you, that I have been trying to remove for literally years. I am talking $100 for a library book, people. But my bad credit goes back all the way to the ripe old age of 19. ...more
@tattoomommie I am so glad to hear that!!!more

Wth Cosmo,wth indeed.

Taking Advantage of Sandy: Bank of America Uses Storm to slash credit lines

Helping those affected by superstorm Sandy has become the new marketing strategy for the financial sector. From E-bay to Paypal to the mega banks whose ruthless and reckless behavior drives the Occupy Wall Street movement, everyone is claiming to help residents in New York, New Jersey, and Pennsylvania deal with the financial burden created by the storm's aftermath. Unfortunately with some companies this is much more hype than substance, a way of trying to smooth over the feathers of so many of us hurting due to the Great Recession. ...more

Denied! Stand up for stay at home moms, dads, caregivers

This post is by Ashley Boyd of MomsRising.org. It generated some great conversations via Twitter and Facebook, so we wanted to share with our networks and hear your thoughts too.Denied. That’s the response Holly McCall of Virginia received when she recently applied for a credit card. ...more

Is It Worth It to Have a Decent Credit Score??

Recently, we put our house up for a short sale to rent a townhouse closer to work and college. Half the people I talked to about it were, "good idea, will definitely save money, sounds great." The other half were pretty upset, stating such things as, "It is your duty to pay for the house, you are throwing everything away, you are going to drag your credit score into the ground and it will be very difficult to bring it back up." So I ask myself: Is it worth it to have a decent credit score? Why?...more
I will definitely say the my buying a house, at 10%-15% down, at an early age, in a bad ...more

I Hope You Didn't Think You Were a Person or Anything

Credit card companies have been told to stop issuing cards to people who do not pull in an income. On its face, this ruling seems to make sense. People who don't make any money shouldn't have the responsibility of having to pay credit card companies back for their consumption needs. Behind that face, however, the issue is so much deeper. Behind that face are women and men who stay home to take care of their kids while their spouses work, providing the more disposable income....more

More people need to find their voice and speak out against the Fed's ruling. The Fed needs to ...more

How did I get here? -- Filing for bankruptcy

As anyone who is facing bankruptcy asks:  How did I get here?It's fairly easy for me to see the chain of events that lead to here.It started in college, which credit cards equaled money. I knew better, but I'd never tasted the punishment of it. I figured it wouldn't be that big of a deal. I got out of college, and found all my paychecks going to pay back my debts. I'd gotten myself in deep enough that no one would even give me a consolidation loan to make it easier for me to dig my way out. ...more

Sacrifice

Ice cream dates were out the window. Eating steaks was also out the window (poor Josh). Lunch? That's what you make each night and pack into a bag so you can take it to work with you. Not in a fancy, cool lunchbox (unless you already have one), but in one of those plastic bags from the grocery store. And you reuse the plastic bag every day until it has jelly smeared down the side of it (cause you're packing PB&J -- or its equivalent -- every day). Our food budget was $40 a week, combined, for the majority of those 3 years. ...more

This is a great article, I can do this and have, my car is a compact, paid for and 9 years old. ...more