Taperman articles

41: How Do You Dispute An Error On Your Credit Card?
Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next?...

42: How To Avoid Free Credit Scams On The Internet - From Shirley Dipace
The government passed a law that allows every citizen to get a free annual credit report a few years ago. This law states that they can get their credit history because of the recent increase in identity theft. This free credit report is easily available online and will give you reports from all three of the credit reporting agencies. A credit score is not going to be provided in this instance for you to view....

43: Comparing Credit Cards and Choosing the Card for You
All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks....

44: What Can I Do To Improve My Credit Score?
Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application....

45: Credit Repair Scams: The Warning Signs
I am sure that you have seen the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:...

46: Credit Insurance: Is It Right for You?
The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question....

47: Divorce and Credit–Are You Liable?
Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards....

48: What Do You Do If Your Credit or Debit Card is Lost or Stolen?
Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen....

49: The Real Steal - Credit Card Loss Protection Offers
If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection....

50: Your Debts and Debt Collectors
You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors....

51: Your Credit Billing and Electronic Fund Transfer Statements
With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit....

52: Your Credit and Your Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment....

53: Equal Credit Opportunity – What Can Creditors Do?
Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed....

54: Credit - You Have The Right To...
Know your rights - your credit rights. There are laws to protect you - but - you have to know the law....

55: Applying for Credit – A Regular Catch-22
We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house....

56: Poor Credit
If you have poor credit, you might feel the journey is impossible. It is possible to get a credit card if you have poor credit, but it may come at a costly fee. In most cases, people with poor credit or current debt problems often believe there is no escape....

57: How To Build A Solid Credit Rating From Scratch
Building a solid credit rating from scratch is not as difficult as one might think. The reality is that you can establish a decent Credit Score in as little as 3 months and have a solid rating around the 12 month mark. From that point, if you maintain proper borrowing habits, you can have an impeccable rating for the rest of your life....

58: Things to Watch out For When Applying for a Credit Card
It would be nice to think that all credit card issuers are fair and just, however, such is not the case. Not all credit cards are the same, nor are those that issue them. Many try to take advantage of of an unsuspecting public. Below are a few pointers to look out for when applying for a credit card....

59: Understanding the Ins and Outs of nYour Credit Score
As recent as a few years back, the term "Credit Score" was not very commonly used in our society. Today, however, due to a number of factors such as increase Identity Theft and mass media marketing campaigns there are very few who are not aware of the term Credit Score. The goal of this article is to add understanding on the personal to the recognition of that term....

60: Credit Report
Credit report is like a personal diary of a person. It�s like your financial condition, provide information about where you live, work, your pay, how you pay bills. If you pay bills on time of after due date. Your past information like if you have filed for bankruptcy, have been arrested or sued over last 10 years. All your information is complied by these companies called Consumer Reporting Agencies (CRA) or Credit Bureaus, and sold to businesses on request....