Money Managing Videos

Understanding your credit report is SO important! By knowing how to read your credit report, you can fight chargeoffs, bankruptcies, and repair your credit! Learn more at chargeoff.net .

Credit cards for college students are a great way to build up good credit early on and to develop good personal financial habits. Pay off credit cards quickly as a student to avoid building up too...

Becoming a credit card broker involves making arrangements with various banks to earn commission by directing customers to those credit cards. Understand what it takes to become a credit card...

Becoming a credit card merchant requires being as low a risk as possible so that processing companies will offer their services. Find out how to get accepted to offer this form of payment to...

Accepting credit cards as payment requires finding a company who will do the processing for each transaction. Build good credit as a business to ensure a reliable processing company with helpful...

Using credit card frequent flyer miles is best done when the balance on the card can be paid off within the first billing cycle after a major purchase. Avoid paying interest on frequent flyer...

A credit score is calculated through considerations of payment history, duration of credit history and how much new credit has been assumed. Discover how to calculate credit scores, and how much...

In order to boost a credit score, make payments on time, leave old credit open and have a good mix of credit cards and loans. Raise a credit score by showing good credit management skills with...

In order to obtain credit, people must be in good standing with a credit card company or build credit by getting and maintaining a number of low-ceiling cards. Find out how to establish good...

The first step to fixing bad credit is obtaining a credit report, which often have erroneous information on people who have a similar name or social security number. Challenge the information from...

An important part of monitoring credit is asking credit bureaus to put a fraud alert on a credit report to keep someone from stealing a social security number and the credit history associated...

A credit card is based on a line of credit as determined by the credit card company, while a debit card is tied to the amount of money in a bank account. Decide whether to get a credit card, which...

Many banks, such as Capitol One and First Premier, will issue credit cards to people with bad credit, though these cards have high rates and low spending limits. Revive credit after bankruptcy by...

A certified credit counselor must pass state and national exams to obtain a license in order to help people with credit problems, such as credit card debt, by reducing payments or account...

Most lenders will give business credit to individuals with good personal credit. Some lenders will offer a loan to a business once the applicant provides personal information on the loan...

The rate of credit card interest was often set when the applicant signed the paper work to obtain the credit card from the credit card company, lender or bank. The payments reflect how much the...

Corporate credit is based on the credit rating of a business. Banks will often extend a business loan based on a strong personal credit rating, which allows that individual to act as a guarantor...

A line of credit can be extended to a business or an individual based on the equity of the property put up as collateral. Learn how the rates of monthly payments for a line of credit are...

Home Equity Lines of Credit (HELOC) involve a bank loan which becomes the second loan behind a first mortgage, with a payment rate determined by the loan amount, not the entire line of credit....

Raise a credit rating by getting a copy of all three credit bureau reports and disputing any duplicate or bad accounts. Improve credit scores by contacting creditors and making sure all good...

Consolidate debt by contacting a financial institution for loan opportunities or looking at existing credit cards with lower interest rates. Lower monthly debt payments through debt consolidation...

Ways to consolidate credit card debt include using balance transfers and contacting a credit union or bank for loans. Condense credit card debt, but read any disclosures regarding balance...

In order to remove judgments from a credit report, they must first be paid off. Remove paid judgments from a credit report by contact the credit bureaus with advice from a certified public...

Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips...

Ways to recover from debt include creating and sticking with a budget and not incurring new debt. Get on the path to being debt free with the help of a non-profit consumer credit counseling agency...

Each state has different regulating standards for credit counselors, but make sure the agency is affiliated with the AICCCA or NFCC. Choose a credit counselor that has a clean report with the...

Fixing bad credit involves getting a copy of all three credit bureau reports and addressing any errors by writing letters to each bureau about the situation. Correct bad credit issues by building...

Good ways to get out of credit card debt include not using cards and quickly paying down cards with smaller balances. Stay out of credit card debt by throwing away enticing low interest-rate...

When choosing a credit counselor, be wary of agencies that use aggressive tactics and always get written disclosures. Find a credit counseling agency that is a member of the AICCCA with tips from...

Increasing a credit score can be done by making payments on time and keeping credit balances 30 to 40 percent of their overall limit. Enjoy a higher credit score by not closing out smaller credit...

Repairing bad credit starts by contacting the credit bureaus and having duplicate or old information removed from a credit report. Fix low credit scores and reports by working with creditors and...

Use a credit card to save money by transferring any smaller balances to a higher-limit card with a low interest rate. Avoid struggling with credit card minimum payments by consolidated balances to...

Ways to live within your means and get out debt include creating a budget and eliminating frivolous spending habits. Eliminate debt by contacting a consumer credit agency when living beyond means...

Certain factors should be considered when negotiating better credit card deals, such as interest rates, annual fees, damage waivers and special introductory rates. Find out how to negotiate a...

Settle credit card debt by negotiating affordable repayment terms and asking for discounts. Avoid credit collection companies and learn to settle credit card debt with tips from the vice president...

Getting a free credit score is as easy as checking on Web sites and applying online. Get a free credit score with tips from a vice president of a bank in this free video on credit counseling.

To get a lower interest rate on credit cards, make sure to pay all bills on time and negotiate with the company. Shop around and get the lowest interest rate on credit cards with tips from the...

To increase your credit score by a 100 points or more, pay your bills on time, dispute inaccuracies on credit reports and pay off credit card balances completely. Increase your credit score with...

Simple actions, such as minimizing credit card use and negotiating interest rates, can help eliminate credit card debt. Try using a debit card instead of a credit cart and get out of debt with...

Establish credit by having a friend or relative add you on to their credit card or setting up a co-borrower line of credit. Learn about secured credit cards and begin establishing credit with tips...

Find the best credit card rates by using Web sites that describe the introductory rate, annual fees and interest rates on various credit cards. Learn more about finding the best credit card rates...

Repair a bad credit reporting rate by negotiating payment plans with collectors and challenging inaccuracies on the credit report. In addition, consider a credit repair company when fixing a bad...

Dispute credit report inaccuracies, whether it's fraud or human error, by alerting the credit reporting agencies with the appropriate documentation. Discover more about disputing credit report...

Repair your own credit by receiving your credit score, highlighting derogatory charges and negotiating payment plans. Repairing your own credit can be very difficult so let the vice president of a...

There are many websites that will check a credit score; however, be careful not to give too much personal information online. Learn what Web sites to trust when checking credit card scores with...

When choosing a credit card, factors include reward points, low interest rates on cash, annual fees and low introductory rates. Discover more about choosing credit cards with tips from the vice...

Use Web sites to get the address and phone number of credit reporting agencies, and contact them through the mail or telephone. Learn about the three main credit reporting agencies from the vice...

Using specific Web sites, apply for a credit card that has low introductory offer rates, low long-term rates and no annual fees. Apply for the perfect credit card with tips from the vice president...

Apply for a credit card with bad credit by getting a friend or relative to add you as an authorized user, fill out a co-borrower application or get a secured credit card account. Reestablish...

Break a credit card habit by ceasing all credit card charges and using a debit card. Stop paying interest and end the credit card cycle with tips from the vice president of a bank in this free...