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Recognizing that Many Americans are Forced to Rely On Revolving Credit to Pay Monthly Bills, Causing Credit Scores and Loan Approvals to Decrease, New
Las Vegas, NV (PRWEB) May 2, 2008 -- Earlier this month, the Federal Reserve released the G-19 Consumer Credit report, showing that consumer credit has increased at an annual rate of 2.5%; however, the real eyebrow raiser is the dramatic increase in revolving credit (like credit card debt), which increased at an annual rate of 6%, bringing outstanding revolving totals to $951 billion, or $2,540 of credit card debt for every man, woman and child in the United States. This is aside from the $1.5 trillion in non-revolving credit, like auto loans, which equates to an additional $4,984 debt per person, and represents a .6% increase. As Americans stretch every dollar, a new website hits the Net that is dedicated to raising credit scores and lowering the interest rates available to today's struggling consumer.
This is particularly important as the current economic downturn forces record numbers of Americans to carry larger balances on their credit cards, using this revolving credit to bridge the gap between paycheck dollars simply to make ends meet, oftentimes not able to meet monthly payment requirements and stressing even previously healthy credit scores.
Pair all of this with softer retail sales, higher debt levels and lower home equity levels and the result is a shaky foundation for economic growth, making now the time to get personal finances in order.
For many Americans, this means working to pay down this credit card debt or fix credit (http://www.kashkats.com) to increase a credit score that is too low to qualify for credit or loans at a reasonable interest rate.
Yet, many people do not understand their credit score. And even fewer know that resources exist to help with credit report repair (http://www.kashkats.com/credit-repair), and there are legitimate ways to remove questionable credit listings that are untimely or unverifiable, and to remove judgments (http://www.kaskkats.com/judgment) or delete judgments (http://www.kashkats.com/judgment) altogether, effectively helping to raise credit scores, and even side-step bankruptcy.
Individuals battling credit score issues can consult a financial planner and develop ways to reduce your own credit card debt, working within the Fair Credit Reporting Act (FCRA), which grants consumer's rights to factual credit reporting, or turn to the Net's top online credit repair team, which boasts the legal removal of more than 3 million items including: collections, late payments, charge offs, liens, bankruptcies, repossessions, foreclosures, and judgments.
What's more, there is also a Free Credit Report (http://www.kashkats.com) that anyone can access, which details the nitty-gritty of credit scores, explaining how credit is assessed and scored, how this overall credit score is looked at by lenders and credit card companies, and how credit scores can be raised and protected from identity theft, making it an invaluable resource for anyone.
About KashKats.com (http://www.kashkats.com)
KashKats.com is dedicated to personal finance, focusing on credit repair solutions. Relying on the Fair Credit Reporting Act (FCRA), which outlines consumer's rights to factual credit reporting, KashKats.com provides up-to-date information on proven, reliable tools that can be used to remove questionable credit listings that are not accurate or verifiable. As lending options for consumers with poor credit continue to decrease, having a healthy credit score has never been more important. No one knows this better than KashKats.com site owner, Rene Tse, who was left homeless after a string of unfortunate events caused her own credit score to plummet to 400. Tse, determined to take back control of her life, used her earnings to hire a credit repair attorney to help her raise her severely damaged credit score. This relationship not only raised Tse's credit score, but taught her about individual credit scores and credit repair. Tse, passionate about the subject, now helps others facing similar credit challenges by bringing together all the resources needed, including regularly written informative articles, a user forum that provides ongoing support and the latest details on personal credit and credit repair, as well as tips on effective online credit management, all in a single place, serving to further minimize frustrations and maximize results at a time when individuals may be feeling most isolated and vulnerable.
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Before Applying for a Credit Card
Credit cards are one of the most convenient ways to purchase these days. With just a push of that standard and trusted credit card, you are able to do many things like shopping, buying your needs when there is no cash available, and even travel. No doubt, most of us today opt for credit cards. Its user-friendly feature is perhaps is biggest selling point plus, of course, the points you can earn from each use. In creditspeak, accumulating points means receiving a gift certificate or a money back perk at a later time. This means being able to purchase something for your personal pleasure.
Credit Scores and Loan Applications
Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs.
For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.
How To Choose Your New Credit Card
Choosing a new credit card is not just a personal choice. It's a lifestyle choice. There are hundreds of credit cards to choose from and savvy shoppers will want to choose credit cards that suit the way they spend and the things they want to do.
Battle Of The Cards: What To Look For When Applying For A Credit Card
Getting a credit card nowadays has definitely become a necessity. With today's fast-paced life, shopping convenience is the ultimate time saver in everybody?s hectic schedule.
It Is In Your Best Interest To Do The Math On Your Credit Card Interest
If you begin foaming at the mouth once a month when you receive your credit card statement, join the millions of Americans that are foaming along with you. There is a growing outrage at the seemingly endless journey towards eliminating the balance on your credit card and that is due primarily to the extravagant interest rates charged by credit card companies.
The Best Credit Card? The One That Fits Your Lifestyle
Finding the best credit card is not always as straightforward as you may think. Choose your new card to match your lifestyle. Find an offer with perks that you can use. Signing up for the wrong card can end up costing you money - one size does not fit all! Here are a few tips to help you pick the best plan:
Fix Your Credit History for an Improved Financial Standing
There are many things done in the past that we most definitely want to erase or forget completely. These can be some mistakes or shortcomings that we can only charge to experience.
Credit Counseling -- Why It Doesnt Work For Most Debtors
"Cut Your Payments in Half!" the headline screams. "Consolidate Your Bills into One Low Monthly Payment!"When you see ads like this, they are often from Credit Counseling firms.
How to find the best reward credit cards
Credit Card Reward Cards
Fraud - Would You Credit It?
Findings from a recent study by APACS show that the amount of overseas fraud exploiting UK debit and credit cards has hit a five-year low. However with ID fraud as one of the UK's fastest-growing crimes, this should not be a cause for credit card protection complacency.
Get A Credit Card Merchant Account
A card merchant account can put your business on the road to financial success. If your company is not yet accepting credit card payments, you are missing out on the powerful potential of this income stream. Many business owners who started taking credit card payments claim that their income has doubled while overhead costs have diminished. When you become eligible to receive credit card payments, you are likely to experience an increase in sales volume and chase fewer dud checks. To facilitate credit card payment, however, you will need to apply for a merchant account.
Climbing Out From Holiday Credit Card Debt
Every year you plan to avoid the credit card fiasco, and even make a wholehearted attempt to purchase all of your holiday gifts with cash. If you?re reading this article, chances are you ended up using your credit cards more than intended! Don?t despair though; there are some tried and true methods of fixing your holiday credit card slump that you can put into action right away. Here are some strategies to climb out from underneath the holiday credit card slump- and help you pay off those purchases quickly so you aren?t still paying for them by the time the holiday season rolls around again next year.
Ways That Credit Cards Can Lose Your Credit
Credit card holders are being ripped off now more than ever. A little education and some sound judgment will protect your card and your credit.
How To Choose A Credit Card To Meet Your Needs
Choosing the right credit card that is most suitable for your needs will take a little work, but it certainly will prove to be worthwhile in the long run. Whether you want it so that you don't have to carry cash with you, or you are a businessperson who is looking to have an accurate record of all business-related expenses, there will usually be one card that is a little more beneficial to your situation than others. Here are some things to look for to help you get that perfect credit card.
Understanding Business Credit Card Terms
Credit card terms are easy to learn and understand. Any one who owns a credit card or plans to get a credit card for the first time must be familiar with credit card terms. One must not apply for a credit card unless he is fully qualified with credit card terms, especially when it involves your business.
