Free Credit Scores Thanks to Dodd-Frank Consumer Protection Act

19 Jul 2011 | by Billy Miller | No Comments »

On July 6th 2011 the Federal Reserve Board and the Federal Trademission issued final rules regarding the credit score disclosure regulations within Dodd-Frank.  These new rules serve to finalize the requirements of the Fair Access to Credit Scores Act of 2010 championed by Senator Mark Udall (D-CO), which will be part of the July 21, 2011 effective date of the Dodd-Frank Wall Street Reform and Consumer Protection Act.  Consumers will now enjoy unprecedented free access to their actual credit scores in most cases as defined below.

Credit score disclosure is required by lenders under these conditions;

- All consumers who apply for credit where a credit score is used to set the material terms of the credit account. (

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Calculate your credit card debts

15 Jul 2011 | by Admin | No Comments »

We all calculate our daily expenses, and so much in our mind every day. But what we don?t measure is the money we have to pay in easy installments. Usually, this is seen less often among people, to calculate their loan repayments also. Credit card debt calculator is just a device method where you can measure the monthly payouts. These payments can be broken down into components of the actual amount, principal, interest, other charges, etc.

With this we can very well see, how much interest we are giving on the actual amount which is loaned. The monthly payment is also then multiplied with the months of tenure, so when the loan will be completed. This helps us to easily understand how much percentage of extra money we are shedding each thirty days.

It can help us open our own eyes, and so we can repay more money back, to free ourselves from the interest charges which really eat our pockets out. Full Post…

Citi PremierPass® / Expedia® MasterCard – Elite Status Review

09 Jul 2011 | by Porfirio Hillman | No Comments »

The Citi PremierPass / Expedia MasterCard Elite Status is ideal for those who are seeking a travel rewards card and for those that use Expedia for their travel plans. The card offer 0% on purchases for the first 7 months and this card gives $100 off your first Expedia purchase.

  • Travel for less: Receive $100 off your first eligible purchase on Expedia
  • Earn up to 2x ThankYou Points when you book on Expedia
  • Earn 2 points for every $1 on select purchases and 1 point for every mile on any airline
  • Earn 1 ThankYou point for all other purchases
  • Get a complimentary companion airline ticket

This card offers 0% on purchases for the first 7 months. The standard variable APR is 16.24% and may vary based on changes to the Prime Rate. There is no 0% introductory rate on balance transfers with this card.

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What’s a Fake Check Scam?

09 Jul 2011 | by Billy Miller | No Comments »

Check scams have been around a long time but they still seem to be effective for the crook, since fake check scams is the number one telemarketing and Internet fraud scam. These scamse by mail, phone or email and usually involve wiring money back from a cashier check. These checks look real and the scammers are experts at making the request seem legitimate. Cashier checks are disposed of quickly, considered cash and can’t be traced; you cannot get your money back.

In this economy, it can be easy to fall prey to an easy way to make money. You need to be aware and alert. Keep in mind, it can take weeks before the bank determines that the check is counterfeit and will charge it back to you, even a cashier check. The bank could even close your account because of this.

There are many types of scams such as work from home, sweepstakes, mystery shopper, overpayment for internet purchases and friend in need of money overseas. Y

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