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The Dangers of Holiday Credit Applications

The day after Thanksgiving marks the beginning of the busiest shopping season of theyear, Black Friday through year’s end. Many consumers will spend more at retailersbetween Black Friday and the end of the year than they spent during the previous 47weeks. The retailers will see us coming and they’re armed with “20% off” offers if […]

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Why Are Credit Card Interest Rates Still Rising?

According to a survey released in October 2011 by CreditCards.com the average creditcard interest rate is now close to 15 percent. This is up roughly 1 full percentage pointfrom the average interest rate on new credit card accounts from the same period inOctober 2011. The question is, why are interest rates continuing to increase on

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Credit Reports and Employment

Section 604 of the Fair Credit Reporting Act allows employers to pull credit reports forthe purposes of pre-employment and continued employment screening. The practice,while widely criticized by consumer advocates, is still very popular with some 60 percentof employers either pulling credit reports for all of their applicants or at least some ofthem, this according to

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Can I Improve My Credit Scores By NOT Paying Off My Credit Cards?

In the world of credit restoration there are a lot of very effective methods for improvingyour credit scores. One of the most effective credit score improvement strategies is topay off your credit card debt. In fact some people would argue that paying off credit carddebt is the most actionable way to quickly improve your credit

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