Credit Repair Guidance

How are Credit Scores Figured?

By Gregory Hamel

A credit score is a numerical measure of the risk a borrower presents to a lender, that is, the likelihood that the borrower will miss payments or default. In the U.S., the most common form of credit score is the FICO score, which is a calculation that weights different aspects of a borrower's financial and debt history in order to generate a number between 300 and 850. Higher FICO scores are ...

How Do I Cancel My Premium Membership Credit Card?

By Alicia Bodine

A premium membership credit card is no different to cancel than a regular credit card. A premium membership credit card offers you better deals and rewards. For example, if you upgrade to a Fashion Bug premium credit card you will receive more $10 off coupons in the mail. You will also be eligible to get 40% off of a purchase when regular card holders only get 30% off. Some credit card...

How Do I Increase My Credit Rating?

By Charlie Rainer Gaston

It seems as if every time you walk into a department store or national retail chain, there is a sign promoting a 10 to 15 percent discount for new credit card applicants. Never before has credit been so readily available to almost anyone--even people with less than stellar credit. If you want to increase your credit rating because of previous hardships and don't know if opening a new account...

What Are Health Savings Accounts?

By Heather Mark

Health savings accounts allow individuals to save for anticipated medical expenses, either in the future or at the present time, without incurring any tax penalties. They work in conjunction with high deductible heath plans (HDHPs) where the patient must pay high upfront deductibles. There are no income limits on health savings accounts and you don't have to prove you have earned income to...