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Answers to FAQS On Credit and Loans
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Credit and Loans
How Does a Collection Notice Affect My Credit Score?
How can I obtain a copy of my credit report?
If my credit or debit card is stolen, am I responsible? Should I Purchase Insurance?
Does paying all my credit card bills in full improve my credit score?
What lowers a credit score?
Will closing old credit accounts increase my score?
Can an unpaid parking ticket or lost library book really lower my credit score?
Does a low credit score really affect how much I pay for car insurance?
What is a bad credit score?
How can I improve my credit score?
How do I dispute a credit card purchase?
What is a Fraud Alert?
What happens when a fraud alert is placed in my credit file?
How can I get a Fraud Alert placed on my credit file?
What should I do if the local police won't take an identity theft report?
What is a credit freeze?
Can a Credit Repair Company really improve my credit score?
What is a Promissory Note?
Why a Promissory Note is essential when lending money to a friend or relative?
What terms should be included in a Promissory Note?
Why all Promissory Notes should carry at least some interest?
What is Usury?
What is the maximum interest rate a credit card can charge?
What are amortized payments?
What is a Balloon Payment?