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excharge.com Online Credit Card Applications

Helpful Credit Tips:


Few things in your financial life are as important as maintaining a good credit rating. When ever you attempt to borrow money for practically any reason you will quickly learn just how critical a good credit rating is for obtaining the best rate and terms.

When ever you finance money, whether it be for a mortgage, installment loan, or a credit card, it is very important  to make all your monthly payments on time. The credit bureau maintains a history record of how timely that you have paid back your creditors.

It is important not to become overextended by borrowing more than you can reasonably afford to repay or pyramiding your debt by using one credit card to pay another repeatedly.

Most credit reports contain some incorrect or outdated information. Check your credit report often for errors and dispute any problems that are found with the reporting credit bureau.

A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. There’s only one online source authorized to do so annualcreditreport.com. Beware of other sites that may look and sound similar. You can also request your credit report by phone, call 1-877-322-8228. You will go through a simple verification process over the phone and your reports will be mailed to you. Find out more from the Federal Trade Commission credit website.

Credit Repair
You don't have to wait for seven to ten years to clear your bad credit. It's entirely possible to repair your credit in a much shorter period of time. Thousands of people, including myself, have suffered from bad credit at one time or another in their lives. The best advice is to be proactive about your credit challenges. Contact the credit bureaus and challenge any incorrect or outdated negative information. You can repair your credit, and although it won't happen overnight you will see slow and steady improvement in your credit scores by following the credit repair tips you will find at http://www.excharge.com.

Credit Disputes
Have you ever been billed for merchandise you returned or never received? Has a credit card payment failed to be credited to your account? These errors can be corrected using the proper FTC dispute procedures. The Fair Credit Billing Act protects consumers from incorrect and unauthorized credit card charges. Learn more about your rights from the Federal Trade Commission's website or call: 1-877-FTC-HELP

Avoid identity theft.
Has your credit card or wallet been lost or stolen? You personal and credit information could be illegally used (identity theft). Don't let this happen to you, use our emergency contact list to notify the proper contacts immediately!



CREDIT TIP:

Credit card companies rely on information obtained from credit reporting agencies. Most credit reports contain some incorrect or outdated information. Check your credit report often for errors and dispute any problems that are found with the reporting credit bureau.

A recent amendment to the federal Fair Credit Reporting Act requires each of the 3 consumer credit reporting agencies to provide you with a free copy of your credit report once every 12 months. The only online source authorized to do so is annualcreditreport.com. Find out more from the Federal Trade Commission.

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