How To Get Your Credit Score Before Applying For a Credit Card

tdkhjgioGiven the importantce of your personal credit report, you may be pleased to know that your entitled to receive a free copy of it annually from each of the three major bureaus which are Equfiax, Experian and TransUnion. You can view and print copies of you annual report from each of these major reporting agencies. After entering some personal data, you obtain all three reports even though each might have slightly different information. You’ll then be directed to one of the three bureas and after you finish verifying that you are who you claim to be you can continue to navigate to the reports from all of the agencies.

When you receive the reports, the best first step is to examine them for possible mistakes. Many people find minor errors on their reports. You can then submit a request to the reporting agency for a correction. Your reports do not actually include your credit score. The reason is that in 2003 it became the law that the three agencies provide a free report annually to each US citizen who requests a copy. This law did not say that the report would have to include your credit score. There is a fee of about $15.00 to view your score from FICO although you can also get it from the large three reporting agencies for about $8.00.

If you are interested in improving your credit score, there are a few

Tips to Avoid Credit and Debit Card Fraud

fgmfmgIn recent years, cash payments have become less frequent and digital methods have come to the fore. Because of this, it is now more important than ever to take preventative measures against credit and debit card fraud. As you can imagine, all of these methods are simple ones that everybody can take, but make no mistake, they cut the chances of card fraud considerably.

The first point I am going to make may seem obvious but it’s important to make sure that your credit and debit cards are kept in a safe place; this is especially important when you are in a busy place. Simple things such as ensuring the zip is done up on your purse or handbag can help reduce the likelihood of credit card fraud. You should also ensure that your cards are not exposed for any longer than necessary, the reason for this being that fraudsters can take pictures to obtain your card details.

Shredding can be another useful tool in the battle against card fraud. It’s a good idea to get into the habit of shredding anything that has your card number on it before you dispose of it. Where possible, this should be done using a crosscutting shredder to maximise the difficulty in reconstructing the documents. For extra security, it can be advisable to go as far as disposing of the remains in different bins.

Vigilance online is another essential in

The Advantages of Buying Cars on Finance

fjg,h,These days you can buy cars on finance readily. There are many different car finance products available. This means that people with different budgets and requirements should be able to find the right car loan for them.

Why You Should Buy cars on finance

You may be surprised to hear that buying cars on finance can actually work out to be cheaper for you in the long run. Currently there are many very good APR deals on the market. This means you could be better off leaving your savings in place earning you interest and borrowing money at low APR instead.

You can learn a lot by doing some research into the credit markets. Preconceived ideas about borrowing could well be preventing you from making the most of your money. It is important that you keep up-to-date with finance and make sure you understand the best ways to maximise your cash.

Shopping Around

Buying cars on finance is about knowing your options and being comfortable with both the car and the way you want to pay for it. You need to examine the current products on offer and make sure you are actively finding the best deals. You should never just accept the first offer that comes along. Car finance is a diverse market and the overall costs of car loans can vary dramatically.

Online Deals

Don’t forget to look online when you

How to Select the Money Loans

Do you have a job? Well, having a job is completely needed and we need to make sure that can get a job in our life. If we get a job, we can earn money in our life. Earning money in our life means that we can have the good life condition since we can complete the needs for our daily life. When we have the money for our living, we will be able to do many kinds of things that we really want to do. Besides, we also will be able to buy many stuff that we want to in our life. Do you want that? Everyone wants that and we need to do the work hard for that.

When you earn money, you need to use your money wisely. If you can use your money wisely, you can try to use it for any kinds of things needed in your life. You will be able to have the good financial condition. In this case, money management skill is needed so much. You will have the good financial condition so much if you can learn how to manage it. But if you are lack of money, you can ask the help of money cash loans too. You need to read the bad credit loans reviews before you determine which one of the money cash loans that you can ask for the help.

Here are some tips that you can do in order to

Binary trading

Here at we take our profession very seriously. What exactly is our profession? Binary trading. Throughout our period trading we have worked out some very effective strategies, some of them more profitable than others, but profitable none the less.

It was thus a huge shock to us to see our primary choice for binary trading being accused of fraud. There we were thinking, Opteck, fraud, and trying to put the two together. However we tried, we could not phantom how this could be possible. This leads us to our own little investigation. What we did uncover had been nothing short of amazing. Several members of the public had joined the platform recently believing it to be the key to overnight richness. Taking a look at various other binary trading platforms advertising themselves, it is not hard to believe that these new users have drawn their own conclusion about Opteck. Several of these users made a number of irresponsible trading decision, causing them to lose a substantial portion of their capital investment. This, according to us, is likely where these fraud allegations had started.

At we call a spade a spade and can guarantee you that these allegations are so far from the truth, it’s not even funny. We have made a career out of binary trading, lately solely using Opteck’s platform for our trading.

Fortunately for us, none of our binary marker brokers had ever defrauded us. We did however make the switch to Opteck as we thoroughly enjoyed the

Netflix, Tesla, and Major Airlines See Downgrades in First Week of July

Investors everywhere are distraught as Tesla Motors have seen their stock target price for the Model S series vehicles slashed early the morning of July 6th. The Tesla price cut wasn’t forgiving, either: originally priced at $212,000, the Model S series dropped down to a stock price of $190,000.

While Pacific Crest Securities (PCS) analyst stated the price drop was due to backward pricing on a supposedly affordable car, the price drop could be linked to a recent story dealing with a Tesla owner dying in an accident caused in part by a faulty autopilot system. Brexit may also influence the future of major corporations around the world, as reported by The Investor by JLL.

The Model S comes equipped with an innovative autopilot feature unlike any type of cruise control you’ve seen before. Instead of keeping hands at 10 and 2, the autopilot feature allows the car to change lanes and become self-aware of surrounding traffic. Within this cruise control-like feature, automatic steering is done through active sensors that use GPS monitoring for successful driving.

With the innovations Tesla has come forth with, the PCS analyst has admitted Tesla may be too ambitious price-wise for the product. Unfortunately, the Tesla Motors stock fell more than 2% earlier this week.

Netflix Downgrades in the First Week of the Month

Speaking of stocks, Netflix doesn’t look so hot right now, either. The Brexit issue has actually influenced Netflix growth in the United Kingdom

Great Features for Adding Space

Are you looking to improve a vehicle and aren’t sure quite how to do it? Well there are actually plenty of ways that you can improve your vehicle for a number of reasons. One of the most popular, however, is adding on space to your vehicle to make sure that it’s ready for anything that you may want to take with you. Whether it’s a vacation or just going to the grocery store, you want to be able to get all your things in the vehicle when you’re ready to go.

Roof Rack

Many vehicles can have a roof rack or some equivalent to one added to the top. A roof rack is just bars that go across the vehicle that you can strap something to. There are also boxes that can be put on the top of the vehicle to help you store smaller items that aren’t as easy to strap to the top of the car. You can pack these boxes easily and stick them up on the top of the vehicle or you can even just stack luggage and other belongings on top of the vehicle’s roof rack an strap them down so you don’t have to worry about them moving around.

Tow Hitch

If you want to tow something you can get a tow hitch added to the back of the vehicle so that you can add a trailer or other belongings. This means you could

Things that could actually hurt your credit score

Credit score is an important part of the financial responsibilities of any man. A good credit score can help you save a lot of money with respect to installments and interest rates. Remember the fact; better your credit score, the less you have to pay as interest rates. Hurting your credit score is not a good thing at all. Bankers, credit card companies and other loan companies evaluate this credit score to decide the risk of lending money to users. It is also very helpful in determining interest rates and credit limits. Certain things that can hurt your credit score are as follows-

Late payments

Late payments are one of the most important reasons behind a low credit score. Being late on credit card payments is a major drawback considered by bankers and credit card companies. A late payment on loans and credit cards is a big no-no for your credit score.  Always remember the fact that your credit score depends on thirty five percent of your payment history.

Numerous credit requests

This is second most important point that can actually hurt your credit score. Asking for too many credit requests is no good for your credit score. Applying for too many credit cards, mortgages, loans at the same time or frequently gives a wrong message to the credit bureaus and can considerably drop down your credit score.

Owing many credit cards

Owing too many credit cards do not show that you are financially very strong. This drops down your credit score to a great

Forex Trend Potential

It is difficult to determine the true value of organizations involved in carrying out various manipulations with the cash. Among these services is the most popular forex trading. The Internet provides an additional opportunity for making deals, even at great distances. But it has its own peculiarities, without taking into account that the definition of future directions in business development is simply impossible.

As the currency market affects its members?

For example, the client decided to open a transaction with a swap free trading This step can bring to the organizer of the monetary transaction bonuses to help to climb the career ladder, gaining fame and money. But the potential trend may change the situation in any direction. It is always important to monitor this indicator on the basis of the obtained in the study of market conditions, data and choose the best islamic forex account.

An important indicator of success!

Knowledge is a powerful advantage, allowing to bypass all the competitors, claiming the deal and all other participants in the successful forex trading Do not neglect the information, if you use it correctly and usefully.

The potential of all trades – always consists of several so-called scenarios for future successful forex trading development. In some cases, changes in forex rates not for the better. But the data predicted by experts, able to:

– Insure against making the wrong decision,

– To ensure the success of the transaction,

– To become a guarantor for maintaining the financial stability of your personal profile.

Flaws in the

Never Ever Swipe A Credit Card Again

One of the best methods to save cash online is by using a virtual charge card. With this service; you still get the exact same sponsorship from your bank, however without the have to disclose your real credit card number. It is the best means to secure your personal info online. As opposed to typing in your actual card number when buying online; you type in a “virtual” or “artificial” number. The virtual number is connected to your genuine card number and secured by computer encryption.


There are several reasons virtual credit are more functional to make use of. One of the main reasons is that you don’t have to rely on protection from the business who you conduct deals with. An additional fantastic quality about these is that they restrict the possibility of identification theft. Virtual card numbers are just useful online and only by the holder. An additional added advantage of the virtual card is the capability to limit acquisitions used it.

These cards likewise allow the individual to verify on-line payment accounts such as PayPal and to activate Google awards accounts.Visa both offer their specialized versions of virtual ; called EntroPay. Sending and getting money is much easier and convenient through this service. Virtual numbers are released out when at first signing up for the service. Online investments can be made immediately after the sign up process is finished. There are additionally no security deposits and annual interest fees with

Role of Credit Reporting Agencies in Our Life

Credit reporting agencies, in simple terms, are the credit bureaus that are responsible for collating all your credit information and coming out with your report. Your report will contain credit score which is starts from 300 points to 900 points. This scoring system is based on your credit history and highlights everything from how regularly you have repaid your previous loans, card bills, telephone bills, house rent and even library bills.

The credit reporting agencies get hold of all this data through data furnishers that basically consist of lenders and banker who have given you credit at some point of life. The importance of credit bureaus in the west is enormous but in its Indian counterparts, it is still at a very nascent state because here people are not even remotely aware of how influential their score can be.

To put it simply, the better the points are, the more money you will save in your account. You will realize this when you approach a bank for a loan. The bankers will cross check your credit points and if they find it to be satisfactory, then chances are that they will lower the rate of interest of your loan. And if you have a poor score, your loan might be altogether rejected. To know your score you can apply online also.

Just log in to the official website of CIBIL, sign up, fill the form, make an online payment of Rs 470 and you will have your get online report in your given

Can You Still Get A Car Loan When You Have Bad Credit

Just because you have poor credit, doesn’t mean that you can’t qualify for a car loan- it just means that it will be a little harder to do so. Luckily, there are options and routes that you can take that will dramatically increase your chances of receiving a car loan even if you do have bad credit. In this article, we are going to talk about some of the more prominent steps that you can take in order to make this happen.


First Step – Know Your Credit Score

The first step that you should take is checking your credit score. The reason why is because you don’t want to walk into a dealership and have false expectations about what you can and can’t qualify for. You should never take someone else’s word regarding your credit score and it’s always best to see it with your own eyes. Start off by going to AnnualCreditReport.Com and pulling up your three reports for free.

You can then visit a website called and see your credit score as well, but you may need to pay a few extra dollars. One of the main reasons why you want to check your credit score using different sites is because you want to make sure that the information you’re looking at is accurate and consistent. For example, if one website shows a higher credit score than the other then it would be a good idea to inquire about this.


Find Out What You’re Missing By Just Using a Debit Card

Everyone has to spend some amount or the other in terms of funds on a daily basis. Be it for travelling, purchasing items or even paying off bills, you will need cash in some form of the other. To ease the burden of carrying a lot of cash all the time, different banking cards with different functions were created. A debit card is one such banking card that allows users to access their funds anytime they need it. While this banking card does offer a number of services and features, there are others, like a credit card, for example, that offer other features as well. We will help you, first by tell you what you can use it for and what you cannot use it for.

Read on. It may surprise you.

First, let us know the offerings of a debit card:

This offers convenient access to your funds. You can easily use this to pay your expenses if the shop has the necessary swipe machine. The amount will be deducted directly from your account when you use it. Anytime you have to make a transaction with this, you will be asked to log in with a pin code. This pin must be kept to yourself. Thus, in such a manner, your funds will protected and accessible, especially when you are making any financial transactions. If you have signed up for alerts, you will get an immediate alert with each transaction you make via your phone or your email id. You can use

Shop Smart With Prepaid Debit Cards

The changing trends in shopping and paying of bills are credited to the emergence of the plastic money. People from all over the world are engaging in smart shopping by eradicating the use of currency notes and using plastic and electronic forms of money in their place.

Most of the businesses and utility providers accept debit and credit cards for payments, thus making the entire payment process very convenient. Moreover, internet banking has made things easier and a person need not leave the comforts of his/her home in order to pay bills, order food from restaurants or to shop for electronics, clothes and almost anything of daily need.

With such great importance being laid on the use of plastic money, the providers of these cards and services have come up with a better alternative – The prepaid card. A prepaid card is just like the traditional card, but it is different in the fact that you need to load it with money before using it for purchases and you can only use up to the amount loaded into the card. Such a card helps in keeping a check on your shopping expenses and also removes the requirement of different credit and debit cards, which makes managing all of them quite difficult.

Get the best prepaid debit cards of 2014:

If you’re looking for a good service provider who can give you a great deal with your prepaid card, then you can consider searching the best prepaid debit cards of 2014. By searching for them

Get Online MasterCard Prepaid Debit Cards With Ease

Since the MasterCard prepaid debit card don’t have any conditions or commitments they are more favored by individuals for acquiring.


With the Mastercard prepaid debit card you can make the buy effectively from anyplace and it can likewise be effortlessly stacked at whatever time. A lot of people retail locations and at any areas the MasterCard prepaid card will be acknowledged. There is no requirement for cash or money to pay while utilizing MasterCard prepaid platinum card.

To get online Mastercard prepaid debit cards you just have to apply at websites of reputed firms. Such cards help us from robbery of cash and make us in more secure positions amid flying out to inaccessible spots. There is some little measure of charge made by a few organizations for utilizing Mastercard prepaid card whereas a few organizations won’t charge whatsoever. By utilizing MasterCard prepaid card you can profits these points of interest.

Unlike the conventional card the Mastercard prepaid debit card is not connected to the ledger. These offices make purchasers agreeable when making significant acknowledges, for example, for autos, amid inn reservation or amid online buy of materials or books. This office ought to be made worthy by the organization furthermore ought to have financial records. It is paramount for the foundations to acknowledge this office and it is additionally essential to have a financial records.

This has made the Mastercard prepaid platinum card to be effortlessly open in taking in anyplace

Prepaid Debit Card or Credit Card – Which One to Choose and Why

Prepaid debit cards have a lot more advantages over credit cards, as well as some limitations too. Both of them are “plastics” that let you purchase whatever you want to. The transactions made via prepaid debit cards are very safe and convenient, as there is no need of carrying cash with you. Both the cards are widely accepted all across the globe by online stores, restaurants, and other shopping stores. The main difference between these two is that using a credit card is a form of borrowing for paying, whereas with a debit card, it’s your own money that you spend which is deposited to your card’s account. Therefore, you have “prepaid” for your purchase, be it shopping, travelling or paying your own bills.


What Debit Cards can do, but Credit Cards Cannot?

Debit cards let you deposit your own money into an account and spend whenever and wherever you feel like. On the other hand, in the credit card, you cannot deposit any sort of money in your account, you can only use credit and then pay a bill at the end of a month. In addition, for purchasing a credit card, you need to show that your income is beyond initial collateral deposit, so that you can develop a good payment history. In debit cards, there are so issues of showing your income statements. You can even set up a direct deposit to your debit card for all or part of

Debit Cards Your Key to Cashless Transactions

Cashless transactions are increasingly becoming important in today’s times. More and more people are making use of their debit or credit cards for various transactions on a daily basis. It has become the most convenient method for transactions. There are different types of credit cards which are available at different interest rates by banks. These cards provide a person with electronic access to their bank accounts (either a saving accounts or a checking account) and are quick methods to make payments of large amounts. They are instant and can also be used at ATM’s (Automatic Teller Machines) where a person can withdraw money.

Most of the cards use VISA or MasterCard network providers which are universally accepted across the world. In India, there are four major network providers. These include VISA, VISA Electron, MasterCard and Maestro. These cards often have certain details printed on it such as a person’s full name, expiration month and year of the card and the 3 digit CVV code which is a security number.

These cards make it extremely easy for people to make payments online through differing shopping portals and websites such as Flipkart, eBay, etc. you can book movie or concert tickets online or even your flight tickets.

Certain debit cards which are specific to certain countries and can only be used within those. International Debit Cards which can be used globally across the world. These provide travellers with easy ways to make payments when they travel overseas.

When you get a debit card you are issued

Getting Access to the Direct Debit Scheme

The Direct Debit scheme has been around since 1970 and over the last fifteen to twenty years has grown in popularity to become the preferred method of payment for regular bills, subscriptions and even business to business invoices.

Getting access to the Direct Debit scheme is a challenge, particularly for small to medium enterprises with low to moderate turnover and new start-ups where there is only a short trading history. Generally businesses in this position find that when approaching their bank to obtain a Service User Number to use the Direct Debit scheme, they are met with a flat refusal, or onerous conditions such as holding a significant deposit on account as collateral.

The reason for the difficulty in obtaining sponsorship from a bank to use the scheme is because of the risk that the Direct Debit Guarantee. People and organisations who use Direct Debits to make payments are protected by the Guarantee which puts a great deal of power into the payer – If an error occurs with a Direct Debit, either with respect to the amount or date, an immediate full refund can be claimed back from the bank.

This is great in terms of consumer confidence in the system, and this confidence helps bolster consumer take-up, however the Guarantee adds uncertainty to the organisations and sponsoring banks collecting payments. Indeed, there is no time-limit or monetary limit built into the Direct Debit rules, so a payer could quite easily ask the bank to reclaim a single payment or a sequence

Advantages of Debit Card

1. Prepaid card

Debit card acts as a type of prepaid card. It is so, since it already has a sufficient amount of cash balance in its holder’s bank account. It permits to carry on the value of the transaction (i.e. purchases) to the extent of available balance in its holder’s bank account.

2. Nominal fee

Bank issuing a debit card charges an annual fee for the issuance and maintenance of card. This fee charged is very nominal in nature. Generally, bank charges the fee on a per annum or yearly basis. Such a fee gets automatically debited (deducted) from the debit-cardholder’s bank account.

3. Alternative to cash

Debit card acts as an alternative mode of payment for executing various cash-related financial transactions. It can be used for the purchases of goods and receipt of services. In its presence, there is no need to carry a large amount of cash. Thus, it helps to avoid carrying huge amount of cash while traveling and minimize risk of loss due to theft, damage, etc.

4. Immediate transfer of funds

Debit card ensures immediate transfer of funds in the merchant’s or dealer’s bank account. Such a transfer of funds takes place almost instantly at the moment of purchases of goods and receipts of services. With its use, there is no need to visit bank office premise and do a manual transfer of cash in the merchant’s or dealer’s bank account.

Thus, it saves precious time and gives ease, safety, and comfort to its holder in his or her finance-related activities.

5. Instant

The Ins and Outs of Asset Finance

When starting a small business, you will need to acquire certain assets. With cash flow being one of the many challenges of new businesses, you will most probably be worried about affordability as once off payments for the purchase of expensive equipment are often not an option. In those cases, asset finance is a great solution and there are several options to choose from, depending on your business requirements.

Lease agreement or instalment sale agreement

With asset finance such as lease agreements and instalment sale agreements you can break down the payment of your assets in monthly chunks which enables you to invest in assets with minimal impact on your cash flow.

The lease agreement explained

When you enter into a lease agreement, you pay for the use of the asset. Asset leasing usually does not require you to pay a deposit which makes it an attractive option for business owners. Lease agreements can have different time frames, anywhere from a month to a couple of years. One of the advantages of leasing is that you can renew the contract after it ends and return the asset to the bank, or you may be offered to purchase your asset.

Another advantage of leasing is that you will always have access to the newest version of the asset which is great when you require machinery that needs regular updating in terms of features, or if you require a vehicle that you want to change every few years. As soon as the lease agreement comes to an

Career in Quantitative Finance

Making a career in quantitative finance usually means getting hired by an asset management firm, a specialized software development firm or an investment bank. You will have to have to start your journey from any one of the business types mentioned above even if you have set better goals for yourself.

So, what exactly you should do to become a quantitative finance expert as far as your education is concerned? The list below will tell you about the kind of academic qualifications you should have for becoming a qualified quant.

Like any other respectable profession, you’ll need an undergraduate degree. The degree should be preferably in computer science, engineering, physics or mathematics. Whatever might be the course, it should have a mathematical component.

If you want to get a better paid job, we would suggest you to get a postgraduate degree in the same subject you studies during graduation. Getting a post graduate degree is even more important for individuals who want to make a career in quantitative finance, but has not studied any of the four subjects mentioned above during graduation. For those people, there’s always an option of studying computer science or computer applications when doing masters.

You can also do your maters in financial engineering. This subject is directly linked with quantitative finance and will educate you about all the significant areas of this field including stochastic calculus, probability/measure theory, derivatives pricing theory, and a range of programming languages.

If you don’t have enough time to study or wait more before you