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Yes, free instant credit reports online are marketing gimmicks! That's a tough statement but it is a fact. There is only one reliable source recommended by the U.S. Government for a free instant annual credit report. Only one! The rest are marketers trying to get you to sign up for services in order for you to get your credit report. All charge extra to get your credit score.

There are some key facts abut unsecured and secured credit cards that you should understand before deciding what type of credit card you need. More importantly, you need to know 6 differences that will determine which card you qualify for and how easy or difficult each is to get.

When we are looking for an instant approval credit card online we might be in too much of a hurry and our common sense goes out the window. We can be in too much of a hurry to read the fine print. We need to be very careful to whom we apply and the information we reveal. Identity thieves use instant credit card approval websites as a way of stealing our financial information. So, slow down, read the following 5 tips carefully, and pay attention to them.

Every business should ensure that they have a debt recovery plan. This usually involves scheduling in a series of letters, then phone calls and eventually taking legal action or handing an outstanding debt over to a recovery agency. The longer a debt remains unpaid, the greater the chance that it will never be paid.

Asset based loan refers to debt financing supported by assets as collateral or security for the loan. Ownership of the collateral transfers to the lender if the borrower defaults on the loan.

You would think that finding out what your FICO credit score is would be easily found in your credit burea report. But, if you have examined your credit report, your FICO credit score is nowhere to be seen. Is the credit bureau hiding it? Well, in a way they are because they want you to pay them for it. There is an alternative.

We all worry as to whether or not the $700 billion stimulus package is going to be our country's salvation. No one wants to be a skeptic as to how that money will truly be spent.

A Debt Management Plan is a good tool to overcome the stress of high debts. These debt management counselors provide with a tailor made plan that fits well with your personal credit needs.

In good times everyone takes risks as money is easily available. One tends to accumulate unsecured debts from personal loans, store cards, credit cards, bank overdrafts and endless other instruments available to any individual.

If you find it extremely difficult to manage your money, then you are not alone. Managing money is something that is not really that easy at times, for so many people. You do not need to feel ashamed if this sounds familiar to you