Life Credit Cards

Archive for March 6th, 2008

What is a Credit Report?

And how do you get the most benefit from your 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 Trans Union, Experian, or Equifax. These credit bureaus collect and maintain information on the vast majority of Americans, but they are not affiliated with the government in any way. The credit bureaus are for-profit corporations that sell your personal information for money.

Magic Payday works with a network of lenders to provide quick and easy payday loans of up to $1,300. The network of lenders compete against each other to gain your business. This works to your advantage as you should receive a better rate and terms on your payday loan with this procedure.

Applicants can promptly be approved for a loan through a simple application process. Simply fill out the online application, and then speak with a loan agent to verify your information and the details of the loan. There are normally no documents to fax, but that will depend on your qualifications and the loan amount.

Secure Money Store works with a network of lenders to provide quick and easy payday loans of up to $1,500. While loans of this type are offered at high interest rates for those in a real financial bind and facing late fees or critical financial matters that must be taken care of fast the interest paid may well be less than the pentilities and inconvenence of not receiving a payday loan.

Applicants can promptly be approved for a loan through a simple application process. Simply fill out the online application, and then speak with a loan agent to verify your information and the details of the loan. There are normally no documents to fax, but that will depend on your qualifications and the loan amount.

IdentityTruth provides personal identity monitoring services that will alert you to personal data breaches and help prevent identity theft and resulting credit card fraud.

With the worldwide explosion in identity theft this is a valuable service that you may want to consider for your immediate protection. Clever crooks have become masters at using the Internet to gain consumers personal information that can be used to steal their identities.  It only makes sense to use a low cost service, like IdentityTruth, to protect you against identity thief around the clock, seven days a week.  It’s better than hiring a full time bodyguard to protect your interests.

LifeLock is an identity theft and credit fraud protection program that stops thieves before they have a chance to steal your identity. In the new age of cybercrime Lifelock offers a valuable needed service.

In recent years identity theft and credit card fraud have skyrocketed causing consumers and businesses billions of dollars a year. It’s better to be proactive in preventing identity theft rather than having to deal with the expenses and damage the identity theft and credit card fraud can bring. 

Unlike most other credit monitoring services that alert you after your credit has already been compromised, LifeLock places fraud alerts on your credit reports at the major credit bureaus including Equifax, Experian, and TransUnion. These credit report fraud alerts make it a requirement for any creditor that is accessing your credit reports to verify your identity before they can issue credit in your name.

Blue from American Express

Blue from American Express® is an ideal credit card for those with good credit who already have an established credit history and are looking for a card with access to a reward program.

Various American Express® services and benefits are provided with this card, such as purchase protection, auto rental insurance, a year-end financial statement, and various travel and emergency assistance services. As you probably know American Express is a world leader in travel and financial services as well as credit cards.

Cardholders also have access to Blue’s Membership Rewards Express(SM) program, which offers members the chance to earn points that can be redeemed for various services and products. The rewards program is by far one of the best reward programs offered in the credit card industry, due in part to the variety of rewards offered with no yearly limit and no expiration policy for earned points.

The CitiBusiness® Card, issued by Citibank, is designed for those with very good credit who are looking to maintain and manage all business-related expenses with one credit card. The use of the card provides the business owner with a convenient way to keep business and personal expenses separated.

The card offers many cardholder benefits such as up to $1,000,000 in travel accident insurance, auto rental insurance, and fraud protection. In addition, cardholders can take advantage of the various discounts offered at participating merchants and retailers (visit the Citibank website for full details).

This card has no annual fee, and it offers a reasonably low interest rate for purchases and balance transfers as compared to other business credit cards. There is also a very attractive 0% introductory rate available on purchases and balance transfers for twelve months.