Consumer Credit

The 'Responsible lending' survey carried out by CRIF and Efma examines the strategies put in place by lenders in 16 European countries in reaction to the economic crisis, and pursue an approach based on responsible lending.

Although credit cards are a part of almost everyone's life, the amount of debt that you can accumulate can quickly outstrip your ability to pay. Responsible credit card use has its advantages but the disadvantages can be financially crippling.

How I manage my credit cards,personal finance options, pay off debt, avoid high interest. Consumer credit also gives tools and information you need for personal financial decisions. How long do credit card purchases take to be (Paid in Full)?

In this article, we discuss the pros and cons of consumer credit cards on personal finance.

All in one explanation on different types of inquiries and how they affect consumer credit.

'Credit card debt' is that evil that is rolling like a snowball mnth to month 'Credit card debt consolodation' is often regarded as a real solution for treating credit card debt.

What is consumer credit as an economic indicator, and what does it tell us about our economy?

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Many people do not know their consumer credit rights under the law. This is a guide on how to not be intimidated by bill collector phone calls and protect your rights and sanity under the Fair Debt Collection Practices Act (FDCPA).

Credit cards are one of the most common forms of consumer credit in the U.S. However, they are extremely controversial.

While some of the laws involved differ from our neighbours across the pond, the basic “do’s and don’ts” apply no matter in which country or continent the work is done.

Everyone wants to be happy; even the crankiest person yearns to be happy sometime, but how happiness is attained can, in some cases, cost money. That's because when some people get sad or depressed or are having a really bad day, they go shopping.

If you've never heard of FACTA, don't be surprised. Although the law has many ramifications for most people, it is not well known or well discussed. Below you may read about FACTA, FCRA and some of the applicable provisions.

If you have managed to absolve yourself of certain debts, or if you had an asset reacquired by the lender, you may receive in the mail a form 1099-C, Cancellation of Debt. What does this mean, and is my cancelled debt taxable?

It is important to evaluate whether purchasing on credt is a good idea for you. Credit cards have many benefits, but they can also be an easy way to accumulate debt. This article will discuss the benefits and detriments of using a charge card.

With financial burdens getting heavier and heavier on the shoulders of the masses, it may be time to evaluate the weight of a few common choices that affect consumer credit. No doubt the credit card is amongst the most common financial tools.

A foundational summary of the benefits derived from proper credit use, and the dangers derived from poor credit use.

Using a credit card can be good for your personal finance health, or lead to its ruin.

Credit cards are neither good nor bad in themselves; they are a personal finance tool which must be manged and used wisely. Here are a few tips to help decide when and how to use credit cards.

Having worked in customer service for a credit card company for 2 years I know first hand what it can do to someones life...and I myself even fell victim knowing the full consequeces!

Repaying debt is a simple thing, except when it is not. Discover the ins and outs of the debt and collection industry and clean up your credit, by knowing what to pay off and when to pay it.

How closely do you look at your credit card statements? If you don't take notice of whether your bank is jeopardising your personal security, you could find credit card fraudsters taking a keen interest in your mail.

Credit card debt can do a lot of financial damage and make its mark on your credit report, but did you know it could also affect your health? Here are five ways credit card debt can be hazardous to your health and tips for overcoming your health problems.

The first thing you need to do is to assess yourself. It is important to know your exact financial situation. To do so, you can request credit report from any of the credit reporting agencies. The report costs about $10 but you can get one for free.

What is a free credit score report? It's a constructed document (saved in data systems) made of the following facts concerning a persons individual credit merit as well as credit debt reimbursement history.

The Credit CARD Act of 2009 created a loophole that allows credit card companies to continue to apply consumers' credit card payments in an unfair manner.

The credit card debts are result of unrestricted expenditure and the standard of living that most Americans used to have. The economic recession has cut short their earnings and so they are unable to repay their debts.