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If you have credit challenge one of the best ways to reestablish good credit is through prepaid or secured credit cards. Responsible people that once had good credit can take important steps to better their credit score by using these two types of cards. They have become very popular by a growing segment of the population.

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How is Prepaid Credit Cards and Secured Credit Cards

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SECURED CARDS

Cardholders that use this method will deposit a sum that usually exceeds the stated credit limit established by the issuer. This serves to create a good payment record which is critical in rebuilding your credit rating. If payment is not made the issuer can take funds from the account and is protected. One might ask "if I have the funds, why use a credit card?" Remember, we are trying to improve our credit score and this is an excellent method to achieve that goal.

PREPAID CREDIT CARDS

A prepaid credit card is similar to a secured card but in reality is not a credit card at all. A prepaid credit card acts more like a debit card, funds are taken from a prepaid deposit. One advantage over a secured card is there is no preset limit. You may deposit any amount in the account and draw up to that amount. Repairing bad credit is the goal here and many issuers offer these cards because of their low risk. Set up fees and monthly fees may apply so survey the market. Watch the fee structure so you do not end paying a large percentage in annual fees. The fine print is sometimes over looked by a consumer but in this case it should be closely read.

These types of cards are excellent for responsible high school students and college students away from home. Spending can be controlled and the student has a leg up on establishing credit. Your son or daughter will be very thankful you helped them do this after they graduate and apply for a standard card.

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One of the most often asked questions about credit cards is 'what's the ideal number of credit cards to have?' The question is asked as if there is a magic number that will tell lenders that you're credit-worthy without hacking away at your credit rating because you have too many credit cards. The reality is not that simple.

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The ideal number of credit cards is a very individual thing. It depends on a combination of factors, including what type of credit card each one is, your monthly income, the amount of credit available to you and your history of making payments on your credit cards. According to the NS&I Quarterly Savings report issued in June, the credit card UK market is doing booming business, with 4.1 credit cards for every adult in the UK. So is 4.1 the magic number?

In most cases, say financial experts, the right number of credit cards is between 2 and 6. Of those, you should have at least one major credit card - Mastercard, Visa or American Express - as those are accepted nearly everywhere you go and are the most genuinely helpful in the case of an emergency. Other credit cards you may carry include a store credit card - which generally charge interest at whopping rates close to 30% - and a gasoline card. More important than how many cards you're carrying, though, is how much you owe on them.

One of the things that factors into your credit score is your debt/credit ratio. The credit bureaus compare how much credit you have available to you in relation to how much you're currently using. If you have one credit card with a credit limit of £1000 and you're carrying a balance of £500, then you're using 50% of your available credit. Is that good? That depends on the source of your information. Some lenders would consider 50% credit usage to be unacceptably high. For others, it's right in their target zone. The most conservative lenders balk at a debt/credit ratio above 25-30% of your available credit.

There are other reasons to limit the number of credit cards you carry as well. When you have one credit card, it's easy to keep track of your spending and your account due dates. Add a second credit card, and you're still all right - but what happens when your one credit card turns into 15 in your wallet? At that point, you're at serious risk of accidentally missing due dates out of sheer forgetfulness - and that will kick up your monthly charges, sometimes on more than just the affected card.

So what is the ideal number of credit cards? Here are some rules of thumb to help you decide if you have too few, too many or just enough:

1. Your monthly credit card payments should be no more than 25% of your monthly income.

2. If you've forgotten to make a credit card payment because you just MADE a payment - but it was to another company - you probably have too many cards.

3. If you can only make the minimum payments - and sometimes not even that - then you should consider consolidating some of your debts onto one credit card. UK companies offer many balance transfer cards that can help you consolidate your debts.

4. If you're not sure which cards are at or close to their limits, you probably have too many.

5. If your total debt is less than half of your total available credit, you're probably in pretty good shape.

There are some really good comparison sites where you'll find all the best deals on offer for any credit card UK companies offer. If you're looking for other credit cards, your first credit card, or a balance transfer credit card to reduce the number of cards that you carry, moneyeverything.com is the ideal first stop.

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Everyone makes mistakes. Those with not so good credit have made mistakes in the past. Because of irresponsible spending and unrestrained charging on credit cards the interest on the cards tend to catch up with the spender and cause billing nightmares for everyone concerned. However, even after all this a bad payer can still redeem himself from his dire situation by applying for unsecured credit cards.

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How is Unsecured Credit Cards - Rebuild Your Credit History

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Unsecured cards are cards offered by banks to help people with bad credit rebuild their credit histories. After a person with bad credit can find nowhere else to get credit because of a bad credit score, he can opt to clean up and start anew with a credit card that is unsecured. What makes this different from regular credit cards is that the charges and fees on the card are much higher, simply because the bank is taking a risk on giving a person with bad credit a credit line!

For those thinking of getting unsecured cards it is important to always check the fees that the bank will charge on your card monthly and make sure that you can make the payments. Do not get prepaid cards or catalog credit cards because these will do nothing to improve your credit history. Always pay your bills on time with at least the minimum monthly charge, or more. If you are diligent and cautious when using this credit card, you can be sure that you will be improving your credit score within a couple of months.

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Credit card skimming scams is an increasing phenomenon whereby a consumer's credit card is duplicated and used elsewhere without the clients' permission or knowledge. These types of scams are generally associated with organized crime syndicates who could not commit these scams successfully without the assistance of individuals in the retail sector. Credit card skimming is one of the single largest scams responsible for losses exceeding billions of dollars annually around the world.

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How is Credit Card Skimming Scams

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How these scams are committed

Fraudsters have developed devices, able to read and store the information at the back of a credit card on the magnetic strip, when the card is swiped through the device. These skimming devices comes in various sizes and shapes and have been built with the aim of extracting information from the magnetic stripe of the credit card and storing it onto the device.

Syndicates typically approach individuals employed in the retail sector, accepting payment from clients. These individuals are offered attractive remuneration for their services and are simply asked to swipe a clients' credit card through the device before or after processing the payment. These individuals are generally paid for the number of credit cards they swipe through the device on a daily basis. In general syndicates prefer to target employees of restaurants. Syndicates would, on a daily basis obtain the skimming device from the person it was given to, and provide him / her with a new device for the next days' work. After obtaining the device, the syndicate would download all the credit cards' information from the device to a computer. From here the syndicate are in a position to transfer the information to a new card's magnetic strip, now having a cloned or duplicated credit card.

The more organized syndicates would often have the equipment required to fake a specific banks' credit cards' colour and designs ensuring they can operate successfully in public presenting the card as means of payment.

The lesser organized syndicates who does not have the required equipment would need to rely on other criminals employed in the retail sector who would assist in accepting the credit card payment where a blank card is presented and swiped.

Fraudsters also recently started creating skimming devices in the shape of a card slot of an Automatic Teller Machine. This device will then replace the actual card slot of an ATM, recording all information on magnetic stripes of cards placed into an ATM.

Protecting yourself against these scams

1. When presenting your credit card as means of payment it is always advisable that you accompany your card and keep your eyes on it at all times. Do not allow a waiter or other employees take your card away from your supervision.

2. When placing your card into an ATM slot, ensure that there are no signs of tampering.

3. If your bank offers a real-time electronic alert service, whereby you can be informed of all transactions on your account, you should sign up for this service. You will be in a position to identify fraudulent transactions immediately or soon after they occur.

4. Always ensure that you have your credit card in your possession. If your card is not in your direct possession, ensure that your card is locked away safely.

Follow us for online hacks preventing.

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Anytime you can make a purchase of good and services and do not pay interest it is to your advantage. You are using other peoples money, OPM, and it gives you a leg up. The disadvantage is paying off that debt in the future. The key is to use the opportunity to your advantage and not end up paying your hard earned dollars in interest payments.

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How is 0% Credit Card Offers - Good and Bad

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The Good

Paying no interest gives the purchaser leverage with their funds. Many issuers offer this rate and it simply takes a little investigative work to find a good card. It is a simple task to go on line and see multiple offers for 0% APR. This is a wise move for a family that needs to micro manage their funds. A family can float debt for a time and use this credit line to get through a rough time in their personal budget.

If you are currently carrying a balance on a standard card at 12% to 18%, look for an offer on a balance transfer card. Most of these cards offer 0% on the transfer balance from 3 to 12 months. This can give you immediate relief on an existing balance. The key is to budget your funds and get this balance paid off before the introductory period is over.

The Bad

In spite of the good intentions one may have there are some traps along the path. First and foremost is to avoid being in the position that makes you carry a balance on your credit card. We have all had an emergency arise and being here can happen to anyone. Life seems to have a way of sneaking up on us now and then.

Transferring your balance to another card is a good strategic move if you find yourself in a bind. Making this move too often can have a negative influence on your credit rating. Opening and closing credit cards is not favored by credit reporting agencies. Be careful about doing this too often.

Credit card issuers that offer this 0% rate will usually limit the time. Most offers are between 3 and 12 months. Take note of the time frame. If you apply for a balance transfer card you may 0% on the balance but you will pay interest on any new purchases.

There is both good and bad for 0% credit card offers. Using these cards is wise but be aware of the fine print and use a budget to get it paid off during the time allowed. Compare some of these offers.

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In many instances, through no fault of our own, we get a less than perfect credit rating. We can lose our jobs, have lay offs, have an unexpected medical emergency and find ourselves in a tight spot. These situations and numerous more are common to so many today. Do not give up! Any one can recover and get a good credit rating. There are many credit cards that can help you recover a good credit rating. Here are a few tips on how to achieve that goal.

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How is Poor Credit? Bad Credit? I Still Need a Credit Card!

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1. When applying for a card read the fine print.

2. Check the annual fee. Some cards have a fee and some do not. Compare offers and try to get a card with no fee.

3. The APR can sneak up and bite you. This is the interest charged so be aware of what will happen if you carry a balance.

4. Use discipline when using your card. Charge items that you will pay for in your regular budget. Then pay it off at the end of the month. Remember, your goal is to reestablish your credit. According to the credit bureaus this on time payment is very important.

5. Secured cards are a good option. These cards are secured by a deposit made by the card holder into an account specifically for that card. These cards are also great for first time card holders with no credit or students.

6. Some cards have maximum limits. Some as low as 0, Rebuilding your credit will take some time so be patient.

7. Be sure to check the annual fee charges. If your maximum limit is only 0 and your annual fee is 0 it may not make good sense to apply for that card.

There are many offers to choose from but be aware of the fine print. Use common sense to make decisions about your choices. Be a disciplined purchaser and use the opportunity for your benefit.

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If you have a felony on your record, you know how difficult it can be to obtain a job. Luckily, there is a service that exists that enables people with criminal records or people who are otherwise unable to get a job to earn money.

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How is Do You Have a Felony? Learn About the Jobs You Can Do Now!

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These services are called "GPT" websites or (Get-Paid-To) sites. How you earn money on these sites is simple. You complete what are called offers. Offers can range from something easy like filling out a survey to signing up for a free website. You are compensated for each one you complete. It doesn't take a long time to complete any of these. Finding jobs when you have a felony can be hard, but luckily there are these great opportunities online.

Why would they pay me?

These companies pay you because they want potential customers, as well as consumer interests. By taking surveys, companies know what people like, and they can use that info so they know what products to promote. These are good jobs for people with a felony because they pay everyone, no matter who you are.

How much can I earn?

The good thing about GPT websites is that you can work as much or as little as you want, all on your own schedule. Once you get started, you can expect to make around /hr.

Does this cost anything to use?

No, its completely free to sign up and use. Some offers, like surveys, are completely free. Other offers, like signing up for a free trial, might require a credit card but generally pay more. If you don't feel comfortable with giving that info out, you don't have to! Just do the offers that don't require a credit card.

Felony jobs are hard to come across, but with this you can expect to make some good money that will really help you out. You'll be glad you heard about this!

I recommend you sign up with a trustworthy GPT site, like the one I use. To find out more, click the link at the bottom.

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Personal bankruptcy? Kiss your dream job good bye...

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How is Can a Personal Bankruptcy Prevent You From Getting a Job?

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For quite some time, it's been standard for financial, gaming and government employees to have their credit reports checked by their employers. After all, we don't want criminals working in the government (insert your favorite joke here).

But now, the "Credit Police" are infiltrating other industries as well.

And what really irks me is, they don't have the guts to just come out and say "We don't want people with bad credit working for us."

No, instead they're using September 11th (911) and an increase in workplace violence as an excuse to check our credit reports. That's pretty low.

Recently, pre-employment screening agencies have noticed a surge in requests for full background checks, which can investigate credit reports as well as criminal records, driving records, and employment and education history.

Alert Staffing reports that about 50 to 70 percent of all companies currently review credit reports, which not only reveal bankruptcies but also liens, judgments, and loan and credit card payment history.

Many companies simply believe that trustworthiness and creditworthiness go hand in hand. Personally, I think that's a crock! I know lots of rich people with high credit scores, who I wouldn't trust to watch Sparky, my pet goldfish, not to mention my money. On the other hand, I can list hundreds of people who've filed bankruptcy and have poor credit scores, who I'd trust my life with. However, most business owners believe how we handle things in our personal lives is a sign of how we would manage a company's assets.

Employers want to know whether a potential employee will be a security risk, subject to bribery, and willing to give unauthorized individuals access to company information. In fact, a friend of mine who used to work at one of the national credit reporting agencies tells me they were always investigating their employees, because of the fear employees might take money to change credit reports. He tells me it was common to see people escorted out of the building by security after they were busted.

The bottom line is that some employers believe that bad credit shows little responsibility and little regard for secrets. But, believe it or not, there's some good news in all this. First of all, the bankruptcy code (even after the recent changes to the law) prohibits employers from discriminating against applicants solely because of the bankruptcy. Also, job applicants and employees up for promotion are not obligated to tell a potential or current employer about their bankruptcy.

So, what should you do when you apply for a new job after you've filed bankruptcy? I usually recommend two strategies: For jobs where you know your credit will be reviewed, be upfront and honest about your bankruptcy, and the circumstances that caused it. Honesty is a powerful tool for getting what you want after bankruptcy.If you're applying for a job that you aren't sure whether or not they will review your credit, make them love you first...then during the second or third interview explain what happened. Let's call this strategy "delayed candor." :-) We all know that bankruptcies aren't always caused by financial irresponsibility. Don't underestimate your potential employer's ability to understand your situation.

In such a credit-conscious climate, one of your best weapons is to know your rights. While employers can legally terminate or deny a job or promotion to those with bad credit, Section 525 of the U.S. Bankruptcy Code prohibits discrimination based solely on bankruptcy.

Furthermore, Sections 604, 606, and 615 of the Fair Credit Reporting Act require employers to follow a very specific set of rules in order to review your credit reports.

First, they must notify you in writing that your credit may be used in the job evaluation and obtain your written authorization before pulling your credit reports. But remember, sometimes they'll "notify" you in the fine print! In other words, they'll "tell" you without really "telling" you--if you know what I mean. So make sure you always read the fine print on all those forms the human resources person hands you during the interview.

Second, if your employer or potential employer sees something on your credit reports that may cause them to not hire you or fire you, they must send you a "pre-adverse action disclosure." (That sounds worse than a subpoena--doesn't it?) But the pre-adverse action disclosure is actually your friend. It gives you time and an opportunity to fix incorrect information on your credit reports. However, the burden is on you to act fast.

If an employer fires you because of information on your credit reports, they must provide you with an "adverse action notice." The notice should contain contact information for the credit reporting agency supplying the report. It should also specify that you have the right to dispute the accuracy or completeness of any information the reporting agency furnished and request an additional free report within 60 days.

OK, how do you prove if you were discriminated against because of a bankruptcy on your credit reports?

Well, it ain't easy!

The chances for successful legal recourse are better if the only negative item on your credit report is bankruptcy. Otherwise, it will be difficult for you to prove you have been discriminated against because of your bankruptcy and not your bad credit.

The truth is, if an employer doesn't want to hire you because of the bankruptcy on your credit reports, then it's pretty easy for them to claim they didn't hire you for another reason. But if an employer offers you the job and then rescinds it, and the background check shows all high marks except the bankruptcy, your chances of mounting a successful case increase. Bottom line: If the ONLY negative item on your credit reports is a bankruptcy, you have a better chance of getting the job than you do if you have lots of other negative items on your credit reports.

This is why it's so important to make sure you get copies of all three of your credit reports. Review them carefully and if there are any inaccurate, incomplete, misleading, unverifiable, or outdated items on your reports, get them taken off. I suggest you use an attorney who specializes in credit law. It costs a few dollars--but I think the end results are worth it. The law firm I used was a life saver.

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Businesses have learnt that employee orientation plays a very important role in the development and performance of an employee. Like they say first impression are unforgettable, hence the orientation process has to be carefully planned and executed to ensure that the ends up knowing all about your company, the company profile and its policies, the target goals, his duties as well as the role he plays in helping the company achieve its objectives. Once the initial orientation is complete, training is provided to ensure that the new recruit does his best to accomplish the tasks assigned to him. The objective of the orientation is to make the employees completely familiar with all aspects of their duties; as well as to be clear about the goals of the company and how they must help the company achieves its targets.

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How is Importance Of Employee Orientation

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Some companies require that the HR manager who recruits the employees need to follow up the orientation program for certain duration of time till the employees are completely familiar with their duties as well as all relevant aspects of the business. This process makes the recruit feel welcome as well as be sure what is expected of him and how best to assist the company.

Tips for Good Employee Orientation:

Make sure they feel welcome and are familiar with their duties.

Assign a mentor to guide them when they have doubts. Make sure the mentor assigned as time to guide him and not in a hurry to catch up to deadlines etc.

Make them feel part of a team. Introduce him to his team members and colleagues.

Make sure that you are totally prepared to train and guide him, making sure he is ven all that is necessary for him to perform his duties well such as computers, email ids, passwords etc. get his work area ready and do not keep him waiting.

Do not keep him waiting in the lobby until you figure out what to do with him, be prepared for his arrival and make sure he is assigned duties after initiation and orientation.

Make sure the orientation last for at least the first two months.

Make the orientation fun, interesting as well as productive. They should not be saturated with unnecessary information as well as not miss out essential information.

Monitor his performance regularly and make sure he is doing the duties assigned to him correctly.

Good employee orientation will ensure that the employee feels motivated, part of the team and will make an effort to do his best to help the business achieve its goals. Employee development is crucial for customer satisfaction, retention as well as the growth of the company.

There are companies that offer services as well as products that help manage and run a business successfully.

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Store credit cards for bad credit can be a great way of rebuilding your score, or even building it for the first time. These kinds of cards are developed by individual retail stores and are available to use on all purchases at that store. These kinds of cards can come with many benefits, especially when it comes to improving your credit score.

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How is Store Credit Cards For Bad Credit

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The fact is that it is a lot easier to get approved for a retail card that it is for a traditional credit card, usually because the balance is low and there is therefore less of a risk for the lender. Most work in the same way as a traditional credit cards, but some can only be used in the individual store. The second type are offered to people with bad credit and while this may seem inconvenient, it can be a temporary solution while you try to your credit rating.

Like any credit card, store credit cards will charge you interest when you miss your payments or don't pay off the full balance. However, you should try to make all payments on time due to the fact that interest rates can be high. Paying on time will also prove you can manage your payments and will improve your score quickly.

There are both disadvantages and benefits to store credit cards for bad credit. When you sign up, try to do so for a store you would shop at normally - but do not buy things you don't need simply because you have available credit. You may find that the card even comes with added benefits including discounts, rewards programs and specials offers. Your ultimate goal should always be, however, to make your payments on time and to build your score as soon as possible.

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You can have a secure online access to your Discover card account through Discover card account login. The account center through which you access your account is secured by the highest Internet security Secure Sockets Layer (SSL) encryption. Your information is safe through this enhanced security. It makes it impossible for anyone to access your account, unless you have inadvertently, or otherwise, disclosed your account login information to others.
 
Before you can login into your Discover account you need to register for online access. It is quite easy and fast, and once you have registered and logged in you can have access to improved management of your Discover account. You can receive your up-to-date account summary; access and review your statements and other activities up to the last 24 months; and make payments online, among other activities.
 
Once you login you can locate your account transactions, graphically analyze your spending pattern and track other activities. You save time when you login into your account online and use many of the online features available to you. Through financial tools, such as the recently introduced Spend Analyzer, you compare your spending patterns. You can graphically see how and where you are spending and your purchases are organized into broad categories. The Paydown Planner assists you in paying down the balance on your Discover card, and within a specific time frame. In addition, through the Purchase Planner you can plan your subsequent purchases as it helps you understand how your monthly payment could be affected by some large purchase.
 
Login For Customer Services
 
Through Discover card account login you can access its customer service for any information or query you may have. You can access your card account, learn about the rewards programs offered - such as the 5% Cashback Bonus program, make payments and transfers online, learn about your account activity and obtain account statements, among other information. Rest assured, your personal information and information about your account activities are safe and secure. The secure login protects the statements issued to you online, notifies you if there are any unusual activities involving your account, and if you are shopping online your real account number is never revealed.
 
You are allowed access to your account only after you provide certain information on logging in, such as your user ID or account number and the password which is known only to you. If either is incorrect you get The User ID and/or Password does not match our records or you are not registered message.  
 
As of January 2009, Discover cardholders can access their account through their mobile phones. Through mobile access you can make payments and view pending payments, view your transactions, view your rewards activities, etc. With your mobile phone always next to you, you can now have your Discover account information practically at your finger tips!
 
You can access your Discover account via your telephone, through Internet on your laptop, and now through your mobile phone. All you need is to login into your Discover account.

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Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded "charge-off." So what is a charge-off anyway? Should you be worried? What are the consequences of this mysterious event?

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I'll start by explaining what a charge-off is NOT. Because the term includes the word "charge," many people mistakenly think it has to do with cancellation of the account by the creditor. In other words, you can't "charge" anything on your credit card anymore. But it's not the same thing at all, and most banks will revoke charging privileges around 2-3 months before the deadline we're talking about here.

What banks and bill collectors call a "charge-off" is the point at which the creditor writes off the account balance as a "bad debt." It usually happens after six months of non-payment. After that, they no longer count it on their books as an asset. You still owe the money, of course. And they will certainly make continued attempts to collect it from you. But the creditor has been forced by the rules of accounting to zero out the debt on their financial ledgers. For causing this loss, they will punish you by placing a derogatory mark on your credit report. A "charge-off" is a serious negative mark, to be sure, but it is not the financial ruination that debt collectors would like to have you believe it is.

Should charge-offs be avoided if possible? Certainly. Does the prospect of a charge-off mean you should panic if you have no way to pay the bill? No! Is it the end of the world if the account has already charged off? No! Too often, bill collectors make a charge-off sound so bad, and they apply so much pressure, that people cave in and make payment commitments they cannot keep. Collectors usually demand payment via post-dated checks, and this frequently leads to bounced checks and even worse financial problems. Most of us are brainwashed by the banks and media on the subject of credit. Sure, good credit is important. But committing to payments you really can't afford just to preserve your credit is like watering the lawn while your house is burning down.

Here are a few simple rules to follow when trying to avoid a charge-off that hasn't happened yet:

* Don't be intimidated or threatened by pre-charge-off collection tactics. Keep a cool head and don't take it personally when collectors try to get under your skin.

* Call your creditor to find out the minimum payment necessary to avoid the charge-off, and subsequent payments to keep the account current going forward. Don't commit to this payment (or series of payments) unless you're sure you can follow through.

* Negotiate a lump-sum settlement at 50% or less if you have the resources, or a workout plan for monthly payments that you can live with.

* Do not allow bill collectors to talk you into using post-dated checks, or providing your checking account details over the telephone. Instead, make payments via cashier's check or money order.

* Do not make payments based on a verbal arrangement. Get the deal in writing and signed by a creditor representative who has authority to approve the workout plan.

What should you do if you simply don't have the money to rescue the account from charge-off, or if the account has already been charged off by the creditor?

* Take a deep breath and relax; the sky won't fall on your head just because you had a charge-off.

* Realize that you still have an opportunity to resolve the matter by dealing with the original creditor or the collection agency assigned to the account.

* Negotiate a lump-sum settlement with the creditor or collection agency. Again, aim for 50% or less, and ask for the charge-off to be deleted from your credit report as a condition of the settlement. (Most creditors will not agree to this, but it's worth asking anyway. Do be sure that they will update your credit report to show that the matter has been resolved and the account has been satisfied.)

* If you can't work out a deal with the collection agency assigned to your account, then wait until it goes to another agency! Eventually, it will either be assigned or sold to an outfit that you can deal with to get the matter cleared up.

To sum up, a charge-off is not the end of the world. It should certainly be avoided if possible, but not at the risk of making things worse by committing to payments you're not sure you can keep up with. Just remember that the creditor doesn't want to see a charge-off any more than you do, so use that knowledge to your advantage in working out a mutually acceptable arrangement. Get everything in writing, don't disclose your checking account details, and follow up to make sure the creditor reports the matter correctly on your credit report. You'll find that it's easier than you think to resolve a charge-off situation before it happens, or clean it up if it's already taken place.

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The recent financial crunch has caused many would be credit issuers to tighten up on approvals for those consumer applicants with less than perfect credit. Even new credit seekers who do not have poor FICO scores, but also have not had the opportunity to establish a good credit profile as of yet are being turned away and treated as high risk applicants.

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The problem for people who fall into either of these categories is that they have a legitimate need to either establish or re-establish their good credit profile and raise their FICO score, however without easy access to credit card approvals their ability to accomplish this necessary task is extremely difficult. Ironically, it's these same card issuers who would like their applicants to have established solid credit histories who will not approve them in the beginning to help them prove that they are worthy of a new card approval. This vicious credit circle affects over half of the households in American today.

A few companies have recently stepped in to fill the credit needs of this growing consumer segment and offer instant online approval credit cards for people with bad credit or no credit history at all. These credit providers will typically issue new credit cards without a credit check and regardless of the applicants past or present credit history. Some of these cards are issued as major brand logo credit cards, prepaid debit cards, secured credit cards and online catalog shopping cards which allow the card holder to purchase household and gift items from the credit grantors web based store.

One such card offered with no credit check is a new Platinum Card that boasts a huge beginning limit of ,000 for all of its approved applicants, even those with poor credit or no history at all. As long as the applicant is at least 18 years of age and has a valid U.S. checking or savings account, the applicant will be approved. The Platinum Card also features 0 % interest on any unpaid balance and there is no employment verification required for approval. The card does require a minimal initial membership fee, however once the new member is approved, the card issues each user a whopping ,500 bonus to use towards unpaid balances in addition to the generous starting limit of ,000.

For consumers who are having trouble getting approved for a traditional credit card with strict income and employment requirements, this particular card for people with bad credit may be a valuable option to acquire a high limit credit card with no credit checks or employment verification.

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Right now, someone could be using your identity to start a new credit card, to get a loan, to drain your checking or savings account. In some cases, you might not find out about the theft for weeks, sometimes even months. Unfortunately, the longer it takes to discover the crime, the more damage will be done and the harder it will be to rectify that damage.

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Thankfully, there are some ways for you to detect identity theft before the problems progress too far. Below are some of those methods.

1. Errors on your credit report - By checking your credit report yearly, you'll be able to determine if anyone is opening up accounts in your name without your permission. Otherwise, you may not learn there is a problem until you need to take out credit.

2. Mail problems - One of the least-technological ways to commit identity theft is stealing mail. If you aren't receiving mail or if you aren't getting items in the mail that you are expecting, such as credit card bills, then you may be a victim of identity theft.

3. Being rejected for credit you didn't request - As you may already know, if a creditor rejects your request for credit, he or she must send you a letter in the mail explaining the reason for the rejection. If you begin getting these letters, but you haven't been requesting credit, then that's a good sign someone is using your identity.

4. Being the victim of pretexting - Pretexting is a scheme involving the Internet or the telephone. Someone contacts you claiming to be a legitimate organization's representative, then they'll ask for your personal information, possibly a PIN number or a checking account number. If that has happened to you and you've given out that information, then there's a good chance you'll be a victim in the near future.

5. Changes in your credit balances or checking account amounts - Unexplained changes in any of your financial accounts should be a big signal to you that something is not right. That's why it's a good idea to check all of your balances weekly and compare them to your estimates. As soon as you spot a discrepancy, you need to follow up with your financial institution.

6. Being denied credit - Sadly, some people don't discover they have been identity theft victims until they go to buy a car, get a second mortgage, or open a new credit card. If you thought you had good credit but are getting denied, then it's a good time to check your credit reports, even if you've already done your yearly check.

7. Being contacted by debt collectors - When you start getting calls or letters about unpaid debts, which you don't recall having, you should never automatically pay them. Instead, send a written request for more information about the debt. By law, the creditor must supply you with this information.

8. Having some types of spyware on your computer - While not all spyware leads to identity theft, you need to realize that it can pose a serious threat to your privacy. Your passwords, credit card information, and online activities could have been monitored by unknown third parties, which leave you vulnerable to an attack.

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The story of the credit card is one of the most important success stories in world history. While today's consumer-driven economy has led to what some may call an over-abundance of credit card usage, the invention of the credit card stems all the way back to the nineteenth century. The concept of a credit card was first espoused by Edward Bellamy in 1887, in his utopian novel "Looking Backward" and its sequel "Equality". This idea rapidly developed into a tangible phenomenon: in 1914, Western Union began issuing its most regular customers with charge cards, and the industry grew even further during the American boom economy of the 1920s, for the specific purposes of selling more fuel to car owners. In 1938, companies began to accept each others credit cards, expanding the industry even further.

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In 1950, Ralph Schneider and Frank X. McNamara began using the credit card to pay merchants, in order to consolidate multiple purchases. Originally founded as simply Diners Club, their company is now known as Diners Club International and was the first independent credit card company in the world, closely followed by American Express. In 1958, the Bank of America created the "BankAmericard", a product which eventually became, together with "Chargex", the modern Visa card. Mastercard was first issued in 1966, when a small group of credit-issuing banks established "MasterCharge". 1966 also marked the advent of the credit card in Britain, and APACS, the UK Payments Association, has recently issued a guide celebrating the 40th anniversary of the credit card.

It is important to note the differing trends in the take-up of credit cards around the world. In the US, the highly consumer driven economy of the early twentieth century meant that the use of charge cards quickly became common practice, and they were soon to be an institutional part of everyday life. In Britain though, while the take-up of the credit card was in general slower, the same pattern has emerged. APACS estimates that there are currently 31.6 million credit cardholders in the UK; that's an average of 2.4 credit cards per person, with major credit card companies like Barclaycard credit cards continuing to bring out newer, more flexible offers for customers. Indeed, the abundance of credit card companies in the market has inspired a whole set of credit comparison sites, such as Moneynet's credit card comparisons, so consumers can make more informed decisions on which credit cards to use.

Yet in many European countries, such as Germany, France and Switzerland, the take-up of credit cards has historically been much slower. It was only in the 1990s that credit card usage statistics reached anywhere near the levels achieved in the USA, Canada or Britain. In many of these countries, the acceptance of credit cards is still strongly tied to the perception of the banking system, whether or not they are generally trusted. But in a strange change of trend, new chip-based credit cards were introduced much faster in places like France, partly due to the nature of the legislative framework surrounding banking system overdrafts. These chip-based cards are now seen to be important devices to guard against fraud, and will prove crucial in the future development of the credit card worldwide.

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1. Educate Yourself. Purchase a Real Estate Investing book, course, seminar, coach or mentor. This will make the method of flipping houses (or wholesaling houses) easier to start without chasing your tail. I would highly recommend a mentor or coach who has plenty of experience at wholesaling houses with no cash or credit.

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2. Setup Communications. A dedicated cell phone or voicemail to take calls from your motivated sellers looking to sell their distressed properties. This phone number will be placed on all of your house flipping marketing materials such as bandit signs, postcards, websites, business cards, TV and Radio ads, etc. You will also need a fax number to receive faxes of documents such as real estate contracts, title work and seller info.

3. We Buy Houses Website. This is a very important tool that can save and make you a lot of money in the wholesaling houses business. Simply put, this is your 24/7 Flipping Houses salesperson because it's working when you're at work, sleep, on vacation, etc. Always brand your site with any marketing that you do and make sure it's simple, concise and user friendly. I highly recommend starting with a website but it's not necessary to flip houses in the beginning.

4. Marketing: Get Your Phone Ringing. None of this will work without motivated sellers calling you with houses that you can flip. There are many ways to market your business but the 2 most effective methods are "I Buy Houses" Bandit Signs and "Sell Your House" postcard campaigns. Most cities have laws on the books against Bandit Signs but a lot of cities don't enforce those laws because they have bigger fish to fry than chasing you down about bandit signs. Therefore, if you see them in the area that you want to wholesale houses in then it's normally OK to start your own "We Buy Houses" bandit sign campaign. Your "I Pay Cash for Houses" postcard campaign will be easier to implement because you will simply choose an area and target absentee owners in that area. You can purchase this list of absentee owners from data firms that sell this info.

5. What to Say? Once your phone starts to ring with motivated sellers you should have a script from your real estate investing course that will allow you to gather the necessary info to determine if this is a house flipping opportunity.

6. Negotiating Price. Before you can start to negotiate price you must know what the house is worth in excellent condition and there's a formula you can use to determine the After Repaired Value or ARV as it's called in the house flipping business.

That formula: ARV x 70% - Repairs - (Your Assignment Fee x 2) = Contract Price with the motivated seller. Whatever real estate investing course or seminar you purchase should explain how to determine repairs.

Ok, now don't be afraid when speaking with sellers because "the one with the gold makes all the decisions." There are 2 options when negotiating this potential real estate investment deal, you allow the seller to give you the bottom line price or you make the offer. If you are forced into making an offer here's a rule of thumb that I use, if you're not embarrassed with your offer you haven't made a low enough offer. The other option is simply asking the seller one question with a follow up question, PAYING ALL CASH AND CLOSING QUICKLY, WHAT'S THE LEAST AMOUNT YOU WILL ACCEPT? Regardless of what answer they give you always ask this follow up question, IS THAT THE BEST YOU CAN DO?

7. Contract & . Now you and the seller have agreed on a price that will allow you to flip this houses with no money down. What makes this work is the contract that you will use to secure and tie up this deal long enough for you to wholesale this house to your buyer/investor. I use a one page real estate investing contract for the simplicity and speed of the deal. Of course, I'm not an attorney so you should use a contract that you are comfortable with wholesaling houses in your state. Most real estate investing contracts are secured with earnest money to show you have a interest in the property. I normally don't give more than earnest money on each deal. There's no law that requires you to give more but it's more of a realtor's industry standard to give a minimum of 0 to secure a real estate contract. You will always buy the property AS-IS and PAY ALL CLOSING COST. You will see how to get rid of the closing cost later in this article.

8. Let's Flip this House. Ok, you have the contract in hand from your motivated seller. Your flipping houses business will be as strong as your real estate investor buyer's list. Your buyers will be a real estate investors looking for income properties for rentals and the "flip that house" guys you see on TV. You will simply market your property to these real estate investors looking for deals. Of course, you can only sell this property to one real estate investor but you want to collect data on every real estate investor that calls about the house you're trying to flip. Simply, this data will be used to build wholesale houses buyer's list for your future deals.

9. Contract with your Real Estate Investment Buyer. You can use the same one page house flipping contract with a couple of small changes. You will now require a minimum of 0 as earnest money (you gotta know if real estate investor is a serious buyer) to secure the deal, your real estate investor will pay all closing cost and you will be listed and sign as the seller on this contract in order to wholesale this house.

10. Pull Title. Some flipping houses courses and seminars will train you to pull title once you have your contract with the motivated seller but I normally wait until I have a buyer in place before I pull title. Liens and chain of title will slow and sometimes destroy your house flipping opportunity. Most of the time you can clear the title with the help of your motivated seller. Once you have a clear title, let's close the deal.

11. Let's Close. The title is clear and you have set a time that works for the buyer and seller. You should close your deals with a real estate attorney or title company but sometimes your buyer will want to use his folks. If so, you simply need a contact person to send your closing details to ensure the funds are disbursed correctly. In most cases this will be the first time the seller and buyer will meet and the way you get over the "Who is this Guy Look?" is simply introduce the buyer as your "partner on this deal."

12. The Best Part: How do You get Paid? You will get paid via an Assignment Fee from the buyer.

Example: Your contract price with the motivated seller is ,000 and your contract price with the real estate investor is ,000 therefore the HUD-1 statement will show an assignment fee of ,000 paid "Joe the Flipping Houses Guy".

So, the motivated seller will collect a check for the ,000, you will receive a check for ,000 and the real estate investor will get the keys for the house you just flipped to him.

FIND THE NEXT PROPERTY TO FLIP

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