Solve your debt in 5 days or less!

the only other benefits you get with premium cards are 
travel insurance and the extra protection if your card is 
lost or stolen. Since by law, you are only liable for up to 
$50 if your regular credit cards are lost or stolen, the 
zero liability you are getting from premium cards is hardly 
worth the extra money. 

Women And Credit

Many women complain about not having any credit. Those 
complaining are those who REALIZE that they do not have 
credit, single women or divorced women, specifically. 
However, there are many married women who have no credit 
because financial matters are handled by their husbands, and 
they are not even aware that they are without any type of 
credit rating. This is a large problem in America today. 
Divorce seems to be the predicament that taunts women in 
search of their own good credit ratings. Either the wife did 
not have any of her own credit during the marriage, or the 
credit she shared with her husband took a bad turn during 
the divorce. 
The key to your credit success, regardless of your marital 
success, is that you build your own "sole and separate" 
credit. There are many benefits to be gained. First, in the 
event that the marriage does not work out, each spouse may 
part with their own credit. If the wife was always on time 
with her payments and the husband was poor with his payment 
schedule, they should be able to part ways with her credit 
intact. 
Another good reason to have separate credit is in the event 
a financial tragedy comes your way, leaving you with no 
alternative but to file bankruptcy. It might be possible 
that one partner could file while the other remains clear. 
If your husband currently has all the credit, have him place 
you on his accounts as a "sharer" of the account. You want 
to be sure you share the account but not the contractual 
liability. This way you will NOT be responsible for his 
errors. If it does show as a negative on your rating, you 
will be able to dispute it as you did only share the 
account. If the account is in good standing, work on getting 
it on your credit rating as you may take the responsibility 
for the good rating. For men in similar situations, try the 
same method. 
If neither the wife or the husband have any credit, then 
both would sign the account as "joint" in privileges and 
contractual liability. Continue this process until you both 
have enough credit to get credit singularly. Then, as your 
new sole and separate accounts begin to get established, 
start closing the joint accounts you once shared. The 
purpose of this is to establish your credit as "sole and 
separate". 
Consider also the use of a joint checking account. A clean 
checking history is very helpful in building credit, 
however, be wary if your spouse is particularly neglectful 
when maintaining a checking account-the end result could 
cause more harm than good. 


How to obtain an $800 Loan By Mail - Interest Free!

If you are like most of us, then sometime or another, you 
will probably need to obtain a loan. If you can obtain one 
through a bank or commercial lending institution, then you 
don't really have any problems. Sometimes, however, banks 
and loan companies will not lend money that you may need. 
The Hebrew Free Loan Society, located at 205 East 42nd St., 
New York, NY 10017, will make a loan to people in need - up 
to $800. There is no interest on the loan, and it is 
scheduled to be repaid over a period of one year. Two 
endorsers are needed. Write to them for complete details. 


The Secrets Of Credit Repair 
A Consumer Guide to Real Credit Repair 
Lexington Law Firms
Chapter One: The Secrets Of The Credit Bureaus 
What is a Credit Report? What Kind of Information Appears on 
a Credit Report? How Long Will Negative Information Stay on 
my Credit Report? How does Bad Credit Affect a Mortgage? Can 
I See My Credit Report? How Much Bad Credit Does it Take for 
Me to be Denied Credit? Who Looks at My Credit Report? 10 
Favorite Myths about Bad Credit What is a Credit Report?  
Whenever you apply for any type of credit or financing, a 
credit report is pulled from at least one of the three major 
credit bureaus. While there are hundreds of smaller credit 
bureaus around the country, virtually every credit bureau is 
affiliated with either TRW, Trans Union, or Equifax. These 
credit bureaus collect and maintain information on the 
majority of Americans, but they are not affiliated with the 
government in any way. The credit bureaus are for-profit 
corporations and they sell your personal information for 
money. They receive your personal information through the 
same lenders who grant you credit.  
The credit bureaus have agreements with each of these credit 
grantors that require the credit grantor to inform the 
credit bureau of everything that occurs in your relationship 
with the credit grantor. If you make a late payment, the 
negative credit listing is quickly reported to at least one 
of the major credit bureaus and is added to your credit 
history. Credit reports are not just a record of how you are 
currently managing your credit accounts. Credit reports are 
histories of everything you are doing with your credit now, 
and everything you have done in the past.  
The credit bureaus gather this information, list the 
information on your credit report, then sell it to other 
credit grantors whoosh to see your credit history before 
they decide to lend you money. The credit grantors who 
review your credit are especially interested in any negative 
credit. If you have shown any tendency to pay late, or to 
disregard your financial commitments in the past, the 
creditors' computers will immediately reject your 
application. Exactly like when you were in grade school, 
your credit report is your financial report card to the 
world.  
What Kind of Information Appears on the Credit Report? 
Merchant Trade Lines These include all regular credit lines, 
such as department store cards, auto loans, mortgages, and 
credit cards. If there is any history of late payment, or if 
the trade line was included in the bankruptcy, charged off, 
or put into repossession, the listing will be considered 
negative by all credit grantors. Collection Accounts When an 
account is referred to collections because of delinquency or