Paying for Tution With Bad Credit History

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Bad credit history is caused by bad credit score. And this happens especially to college students who have more than one student credit card in their possession. But there is a way to fix this major concern, and that is through credit repair.

If you think canceling all your student credit cards will help, think again. It should be the last things to consider when you are facing bad credit score.

Tips to help you repair and improve your credit score

First is to make sure that you are paying your dues on time. No more excuses for late payments and over dues.

Talk to your credit card provider and ask for the best advice on how you can be able to pay your dues. Your card provider will be glad to help you especially if you are enthused and showing sincerity in paying your dues. Work out a payment scheme that will benefit you and your provider.

Obtain a copy of your credit report from all 3 credit bureaus. Make sure that all pertinent data are equal. If there are inconsistencies, you should file a report so the credit bureau can investigate the issue.

Under the US law, you are entitled a free copy of your credit report and you can request for a copy every 12 months. Take advantage of this opportunity each year and make it a habit.

* Avoid closing old student credit cards/accounts. Closing your inactive, problematic accounts will do you no good. It will only jeopardize your bad credit score further.
* When you come out clean after improving your credit score, maintain your regular payments, pay off your debt as much as you can without closing your account.
* Avoid applying for too many loans. Accumulation of loans will end you up in deep debt, and credit repair/improvement will be harder the next time.
* Avoid credit repair companies as much as possible. They charge too high for services you can do yourself.

Remember that you wish to keep a good credit history, so it is imperative that you keep your end of the bargain.

For Applicants With Bad Credit Scores

Credit card providers have established ways in providing students with bad credit scores the type of cards for their specific needs. A normal credit card won’t do you good at this time, but a specialized credit card for bad credit scores will fit perfectly but with a price.

* Unsecured Student credit card – This type of bad credit score card comes with very limited credit. This is a pricey way to obtain a student credit card as it comes with various fees and charges. Be careful when obtaining unsecured student credit card from unknown providers since most of them take advantage of the situation. Only avail from reputable sources.

Watch your spending and make sure all dues are regularly paid. Fees can add up without you knowing it, so it’s best to keep track of your payments.

* Secured Student credit card – This card is ideal for students who wish to repair and improve their credit scores. It works like a regular credit card but the credit limit is determined by your collateral.

You can obtain a secured credit card from major card providers such as VISA and MasterCard.

As always, it is imperative to maintain on-time payments. Be warned also that card providers forward their monthly reports to the credit bureau to update your files regularly to help repair your bad credit.

StudentCreditCards :: Jan.20.2008 :: Credit Card Offers ::
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Salaries for RN (Registered Nurses) Increase

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With gas prices on the rise many consumers are considering gas credit cards to help them save at the pump and perhaps even away from the pump. There are many different cards out there to choose from that will allow you to save on gas and many even offer other perks that make these cards more appealing now than ever before. If you are tired of paying for gas and feeling like you have been ripped off every time you drive away, one of these cards may help you feel a bit better every time you do fill up.

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Save on Fuel With Gas Credit Cards

There are a variety of fuel cards on the market today and the savvy consumer can benefit greatly by using the right one. These cards typically offer a percentage of cash back on gas purchases and many of them offer cash back on other types of purchases as well. While it’s important to take into consideration the interest rate, as well as fees and any other associated costs, it’s also important to assess your own individual needs before applying for gas credit cards.

One major consideration those thinking about applying for gas credit cards must think about is where they buy the majority of their gas. After all, even a card that offers a generous rebate program might not be worth it if you have to drive across town to get gas. Be sure and check the fine print because some gas credit cards offer a much higher rebate when you purchase gas from a particular station, yet still offer a nominal rebate when you purchase gas elsewhere.

Even those who don’t regularly use credit cards could benefit from gas credit cards because anyone who drives a car has to purchase gas and with prices so high, these rebates could really come in handy. In addition, many gas credit cards offer cash rebates on other purchases, such as groceries, restaurants, and car rentals. Just think – if you spend $300 per month on gas, a credit card that offers a 3% cash rebate would earn you $108 per year. If you pay your bill in full every month and don’t incur any interest, that $108 is free money, pure and simple.

Some gas credit cards offer points instead of cash rebates and once you accumulate a certain number of points, you can then redeem them for a gift card or other merchandise. These points can really add up when you charge gas, groceries, and household items on a regular basis. There are just too many credit cards that offer cash rebates and other perks to use one that doesn’t.

A typical household that regularly purchases the above items and charges them to a credit card with a lucrative bonus program such as this can earn a significant amount of cash back or other perks over the course of a year. Just be sure to read the terms and conditions and align the card’s program with your own needs in order to recoup the most advantageous benefits for your family. Taking the time and effort to plan your purchases in this way makes good sense and can ultimately add some bucks to your bank account.

StudentCreditCards :: Jan.17.2008 :: Gas Credit Cards ::
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