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Credit Alliance Group has discovered that Banks and Collectors Have a New Twist on the Old Bait & Switch Tactic
The pitch goes something like this: “Mr. Smith, Here at XYZ collections our goal is to find a solution to your current debt owed that will work with you current financial situation. We have a solution that we are willing to offer you today that will make all parties involved happy. Our offer that is on the table for the next 30 days is to transfer your current balance over to a new credit card with a fixed 0% interest rate for the life of the debt. The best part is that you will be making a payment that you can afford and being a new line of credit it will help rebuild your credit score as you payoff you current debt!” Now here is the catch: In the fine print terms for the new credit card offer they have the right to sue the party to acquire the balance. Since the debt has been transferred to the new card the deb
Keep Your Excellent Credit Score with Credit Alliance Group
Most of America is under the belief system that having a high credit score is the most important thing in the world. In reality a person’s credit worthiness is made up of a few different items. Sometimes it's better to take a step back and look at your long and short term goals and compare all of your options.
How Does Debt Settlement Affect My Credit?
Effects of a Debt Management Program on your credit score.
Repairing Your Own Credit
According to the FTC, don’t waste your time and money with these quick credit fix companies that make those too good to be true claims. You are better off finding and learning ways to fix your own credit. It is the only way you will get a true guarantee!
The Importance of Your Credit Rating – More than Just a Number
For far too many Canadians, a credit score is some number that seems to move arbitrarily in different directions, impacting their ability to make large purchases or even to find work. It’s important to understand the mechanism behind the importance of your credit rating, in order to work towards improving it if necessary. This should not be a mystery. What many people don’t know is that they have a legal right to view their credit rating, which allows them to take their financial well-being into their own hands.
Mortgage Rates Canada - How Credit Scores Affect The Rate You Get?
There is an immense complexity that has enveloped mortgage rates in Canada over the past few years. One of such convolutions is the massive dependence of the Canadian market on credit scores for the procurement of a good rate of mortgage. Literally, the higher the credit score, the lesser will be the rate of interest. In fact, the disparity between a bad and a good credit score can raise the total loan cost by about 3%.

Your Credit Score is an Important Tool for Good Money Management Practices
Money management requires having good practice not only on your on hand cash, but also on your credit standing. In order to know how well you are doing, it is best you get an update on your credit score. This is because you will get to have a risk assessment through your credit score.
Financial Institutions Will Not Help Consumers With Credit!
This summer, after losing a significant source of supplemental income, backing out of a lease-to-purchase deal on a condo, and being in limbo regarding employment; I went into lock-down mode, and explored all possible ways to stay within my budget, protect my credit score, and prevent accumulating any new debt. This particular story is not even about the cumbersome fact that I, like many others, am completely "underwater" on my auto loan~this is about me trying to do the RIGHT thing in this Credit-Dependent Financial System we are living in, and getting nothing but sour grapes from a particular Financial Institution in Arizona.
CREDIT SCORES: WHAT AFFECTS IT AND HOW IT AFFECTS YOU
Credit scores are fickle and hard to predict. Credit scores are determined by analyzing credit records and are supposed to show a person’s creditworthiness. Since the score uses so many different factors, it is impossible to know for sure how much an action will raise or lower your score. Different actions will impact your score in different ways, and those ways can change based on your current score.

Business funding sources for today's business owner...
Yes and no. Yes if you have a strong personal credit score. No if you are typically under a personal fico score of 720. The banking industry has significantly tightened the credit requirements recently in the last 12 months. If you do maintain a strong credit score then you are in luck.

Don't Let A Credit Score Define Who You Are!
You're much more than a number, I'm sure, but today more than ever people are caught up in credit scores and what they mean. My job is to help people with credit reports and to help them raise credit scores, but lately I'm doing the Dear Abby thing on my office sofa. Here's a reminder of who you are and that a credit score doesn't define you!
HOLDING ONTO YOUR IDENTITY IN FINANCIAL CRISIS
In my speaking engagements lately, I’ve been talking to people about how to separate emotion from their finances entirely, and especially how to let go of the negative emotions - shame, fear, anxiety, blame and stress - that often come with debt.
Credit Card Debt Settlement - Top 5 Things to Know
Negotiating settlements is one of the fastest ways to reduce large portions of your credit card debt permanently. Although there are many companies advertising on radio and television to work for you in settling your credit card debt, it is possible to do it yourself without paying additional fees or a percentage of the amount you save to a third party. Here are five major points to keep in mind when settling your credit card debt.
Can I Get Business Financing with Bad Credit?
Had a tough time making payments on time, been through a divorce or had medical problem that affected your credit score? You may still qualify for a small business loan. This articles explains the ins and out of applying for a business loan with a poor credit score.
Effects of Bankruptcy - Not the American Dream
Anyone who has ever gone through the emotional pain and stress associated with bankruptcy will tell you that bankruptcy was not something they “planned” or considered to be a part of their future plans.
Changes to Your Credit Score
Veteran financial planner explains the new rules in regards to credit scores.

What Is A Credit Score?
A credit score is a number assigned to you to give a numerical assessment of your credit history. It is a three-digit number ranging from 300-900, 300 being the worst and 900 the best. This number is assigned by the reporting credit bureaus based on your past credit history
SPORTS FACILITY FINANCING IS EASIER THAN EVER
Describes why loans for sporting facilities can be easier to get and what are some of the ways to get such loans.
Ways to Obtain Financing to Buy a Franchise
Getting the required financing is the first step towards starting a franchise. Some traditional methods are getting financing from one’s own savings, asking for loans from friends, going for bank or SBA loans and one unconventional way is to go for loans from credit-cards.
FAQ's for Starting a Franchise
Here are 11 commonly asked questions that are asked by potential franchise candidates. Note that there are no standard answers for any question. Answers can vary dramatically from one franchisor to another. Please use this as a basic guide.

Small Business Loans With Bad Credit
It is possible to get small business loans with bad credit but it’s no easy task. Indeed, more than 80 percent of entrepreneurs with poor credit ratings who make loan applications find themselves being rejected. After all, lenders don’t just want to know that your business will be able to repay the loan. They want to see that you, personally, understand the principles of sound financial management. But before you get too worried, relax. There are steps you can take to improve your chances of being approved.

Small Business Loans Bad Credit
I’ve been asked this question what seems like a million times: Can I get a loan for my startup even though I have poor credit? Well, I’m not here to tell you that it’s not a problem – anyone can get a long. Quite frankly, that’s just not the case. As I’m sure you’ve found out by now, if you have a bad credit history, you’re at a disadvantage when it comes to getting that loan. But there is some good news. Small business loans, bad credit – the two can and often times do go together. I’m here to show you how.

You Can Refinance Your Car Loan
You can refinance your car loan. Get rid of that high interest rate auto loan for one with more favorable loan terms.
Personal Finance Loans
Having to borrow money is a scary thought for anyone. Nobody likes to admit they need the help or to be in debt to someone else. But, often times, we are left with no choice. Maybe your daughter is getting married and the price tag of her wedding is near the $30,000 mark. Or, maybe you couldn’t get a secured loan and you need to consolidate your debt. Whatever the reason, before you submit your application, there are a number of things you need to keep in mind.

7 Steps To Get A Loan For Your Business
Loans are a time-tested way of raising capital for your business. We would love to tell you that it is as easy as going to the bank and asking for money, but as you probably know by now it is quite the opposite. We wrote the following steps to help you raise the right amount of capital to get your business going.

Other credit score Related Articles

Why A Good Credit Score Is Important To Your Business
Whether you're in business or an individual, you should have an idea of what your credit score is, even if you're not currently applying for credit. Knowing your credit score and occasionally checking your credit reports also helps you protect yourself from identity theft and credit fraud.
Credit Card Debt Settlement - It may be worth sacrificing your credit score
We are taught through bank advertising and social pressure that a poor credit score suggests not only the loss of untold dollars due to higher interest rates on loans, but amazingly, that a high credit score makes you a “good” person and a low credit score makes you a “bad” person. Your credit score is a product, just like everything else advertised to you. It is not connected to your identity. And it won't cost you nearly as much money as you're made to think it will.
I Want To Improve Your Credit Score, But You Won't Let Me Help!
Credit score ignorance is just as bad as accumulating too much debt or not paying your credit cards on time. If you don't understand how your credit report score is calculated then you can't improve your credit score. read this brief primer and learn -- How do they calculate your credit score and who are "They"?
Business funding sources for today's business owner...
Yes and no. Yes if you have a strong personal credit score. No if you are typically under a personal fico score of 720. The banking industry has significantly tightened the credit requirements recently in the last 12 months. If you do maintain a strong credit score then you are in luck.

CREDIT SCORES: WHAT AFFECTS IT AND HOW IT AFFECTS YOU
Credit scores are fickle and hard to predict. Credit scores are determined by analyzing credit records and are supposed to show a person’s creditworthiness. Since the score uses so many different factors, it is impossible to know for sure how much an action will raise or lower your score. Different actions will impact your score in different ways, and those ways can change based on your current score.

Fico Score - What is it and How Does it Affect Me?
Your Fico Score, a.k.a. Credit Score, is important and there are many simple ways to improve it. We'll cover those in a minute but first, what is a good credit score? Do you know what your credit score is? Why does the finance company look at your personal credit but they tell you the financing will be in the business name? These are some common questions that business owners ask when it comes to understanding their Fico Scores.
Credit Alliance Group Explains FICO & Debt to Income Ratio Info
In the United States, a credit score is a number based on a statistical analysis of a person's credit files that represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, Trans Union, and Equifax. Debt to Income Ration is another factor when it comes to your credit score.
Improving Credit Score - Good Credit is Essential to any Business
Improving Credit Score - sound difficult? It's really not if you are willing to stay focused and be disciplined. Credit Repair Help is quite easy to do yourself if you know what to do and understand your Fico Score.

Your Fico Score Is An Important Piece of Information That You Should Always Know About Yourself
Your Fico Score, a.k.a. Credit Score, is important and there are many simple ways to improve it. We'll cover those in a minute but first, what is a good credit score?
Your Credit Score is an Important Tool for Good Money Management Practices
Money management requires having good practice not only on your on hand cash, but also on your credit standing. In order to know how well you are doing, it is best you get an update on your credit score. This is because you will get to have a risk assessment through your credit score.
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