America Talks Credit
Being Intelligent About Your Credit Score
Credit Intelligence is a touchy subject…let me tell you! It is absolutely amazing how many people pay no attention to their credit score, and therefore, may have bad credit and not even know it. If because of the economy, you have not tried to buy anything lately that required a loan, you may not be [...]
Debit Cards vs Prepaid Cards
Ever wondered what the real difference is between debit cards and prepaid cards? They both use your money, they are both easy to use, they are both easy to obtain. But think about it…if you use a debit card, the money is taken from your checking or savings account usually, whereas a prepaid card requires [...]
Welcome…
Welcome to America Talks Credit! We hope you’ll get involved on a regular basis, asking questions or contributing answers to today’s hot financial topics. We have prepared several categories to begin this conversation about the issues that concern you most today. But if you wish to see an additional category, please suggest it!
In record numbers [...]
Banking
The banking world has changed mightily in the past two or three years, as everyone on the planet knows! But what are the changes that most affect us at the street level? An example: before the banking crisis, a man I know had a $30,000 credit limit on his bank credit card. He had worked [...]
Credit Cards
Have you had this experience?: you have a nice little group of credit cards and you worked hard to get the limits up as high as you could. Whether or not you had used the credit, the bank just cut your limit down to a small amount that won’t help you now. Or worse yet, they cut down [...]
Credit Scores
Does anybody really know what’s happening with the three major credit bureaus? What is the new minimum credit score to get the best interest rates? Can anyone really provide their own credit repair without making things worse? Are there creditable companies out there to help me with discrepancies?
How can I get my credit score up? [...]
Banking
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Banking
The banking world has changed mightily in the past two or three years, as everyone on the planet knows! But what are the changes that most affect us at the street level? An example: before the banking crisis, a man I know had a $30,000 credit limit on his bank credit card. He had worked [...]
- More from Banking
Vehicle Loans
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Did you know…CARFAX is Changing Used Car Purchasing Habits
According to Carfax, their TV campaigns are changing the way people shop for used cars. Considered one of the most stressful things to purchase, a used car generally is a “crap shoot” unless you know a good mechanic who will help you check out the car physically. If you don’t, or if you are purchasing [...]
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Vehicle Loans
Ever heard that story “it takes money to make money”? Well when it comes to a loan, it’s hard to come by unless you have money…a savings account, income beyond your expenses, and a good credit score.
In this current economic climate, auto loans are hard to get. Personal loans are almost non-existant. What’s a citizen [...] - More from Vehicle Loans
Housing/Mortgages
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Housing/Mortgages
With the millions of people going through foreclosure now and in the recent past, it’s a wonder any of us can relax! You have to be asking yourself…what did I do to deserve this? Can I avoid foreclosure? Should I ask my lender to start foreclosure proceedings? How long can I live in my house [...]
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Credit Cards
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Debit Cards vs Prepaid Cards
Ever wondered what the real difference is between debit cards and prepaid cards? They both use your money, they are both easy to use, they are both easy to obtain. But think about it…if you use a debit card, the money is taken from your checking or savings account usually, whereas a prepaid card requires [...]
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Credit Cards
Have you had this experience?: you have a nice little group of credit cards and you worked hard to get the limits up as high as you could. Whether or not you had used the credit, the bank just cut your limit down to a small amount that won’t help you now. Or worse yet, they cut down [...]
- More from Credit Cards
Other Recent Articles
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Credit Scores and Your Rights, Part II
One of the little known laws to help you is the Fair and Accurate Credit Transaction Act (FACTA). This law is designed to stop abusive collection practices. In the collection world, there many unscrupulous people…their job is to get your money…fairly or otherwise. They must verify the transactional accuracy of the debt, and secure validation. [...]
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Credit Scores and Your Rights
Does it seem to you that the “deck” is stacked against you? Whenever we get into financial trouble, it seems like one catastrophe after another piles on us until our shoulders are bent under the weight of it. Added to that, as we all know, is the inevitable downward slide of our credit scores.
But are [...] - Archives: