Author Archives: Gary Antosh

In today's world, it is common for most people to have at least one credit card. It allows for ease and speed, when shopping in a store or online. Merchants will more than likely accept many types of credit cards, allowing you to get what you need. Continue reading →

Be honest with yourself. There are some problems related to credit that are complicated and need very sophisticated answers that often take many months or even years to solve. If, however, your problems are only "on the surface", there are some things that you can put into place to see some immediate results. Continue reading →

Credit rating has the same, if not greater, degree of significance as do other aspects related to credit cards. For each time you use your card, it is noted by the provider. This enables them to sent accurate statements but is also used to create a picture of your payments over a period of time and if you have exceeded your limit. This information is circulated to the credit bureaus and your credit rating is decided. The rating is adjusted when necessary on a regular basis. Other credit providers can access this information and so can you. Continue reading →

Are you fed up with having to travel all around town, dealing with high-pressure salespeople or sifting through junk mail trying to work out which credit card offer is the best for you? If this is the case, you are with many others and now it is possible to avoid all that trouble because you can go online and obtain quotes on credit cards that are guaranteed. It is incredible how misleading many of the letters are and indeed so is the degree to which the salespeople twist the truth. Even some of the advertisements online are misleading regarding their claims that they are able to offer "guaranteed approval" for credit cards. Continue reading →

A successful credit dispute letter can remove negative credit items from your credit report and increase your overall credit score quickly. In fact, when you talk to a credit counselor about boosting your credit scores, often the first thing he'll do is look over your report for things he can write a dispute letter about and get removed. This is the fastest, easiest, and most effective legal way to raise your credit score. Continue reading →

I had a relative graduate from college recently, and I've been thinking about the things young people should know before their parents cut them loose into the world. Continue reading →

Just about every college student possesses and uses at least one credit card. Most of these students use them carefully and see them as an opportunity to build a good credit rating. There are, however, a significant number of students who find themselves in difficulties and with a debt that has to be repaid once they are in the position to earn money. It is important that those students who have use of a credit card learn to use it wisely and that they learn to manage their finances very early on. The earlier a student learns the responsibilities of credit card ownership, the better. These cards that were once considered only for the privileged wealthy minority have become a "birthright" of all students. Continue reading →