To dispute a bad credit item on your Equifax credit report you must send a dispute letter. In your letter you must include the disputed item and why it is incorrect.

It was a long time ago on a planet really nearby... Secretly, in the shadows, there has been a battle going on, a battle between the lone wolf 'card tarts' and the armies of the credit card companies. A card tart (also occasionally referred to as a rates tart) in case you didn't know is a person who applies for a credit card and works up a healthy balance. Then realising that the repayments are getting a bit steep makes a credit card balance transfer onto a card offering a 0% transfer free period, now averaging around 10 months. The problem is that after the period ends they want to transfer again and again and again. Ad infinitum! In other words they wielded their 0% cards in front of them, like a light-sabre, keeping the forces of interest oppression at bay.

It is interesting to note how fast things change in today's world. Credit cards, for example, used to be a privilege to have, but they have almost become a necessity in today's world. In fact, a lot of people carry not just one but many different credit cards. Why do many people find them so necessary?

There are five factors that determine your credit score. Here they are listed with the approximate value they carry in the credit bureau scoring model.

Having a good fico score is important in todays' world. It can determine a lot of your future endeavors, whether buying a car or a house. However, sometimes things happen that can decrease this score and you may be stuck trying to dig yourself out of a hole. Dont fret though. Improving your fico score is capable by following a few simple steps.

Credit Card Balance Transfers

For many people, the most important number that you will have to keep in mind in making decisions about purchases and other major life decisions is your credit score. For many people, this number can alter decisions about where you live and what quality of life that you might have. Keeping a high quality credit score can be one key to living a comfortable life.

We all spend money, and its increasingly important to save as much as possible so that our money stretches farther than it would in any other instances. Cash back credit cards are credit cards that reward you for using it to make purchases that you would normally make on a daily basis. It is similar to using your cash to buy everyday things such as groceries, except you use your credit card and earn cash rewards after spending a certain amount.

If you have bad credit then you will be willing to try virtually anything to get it sorted out. You might of heard about credit repair software, however before you decide to use it you need to make sure you are fully aware of the benefits and disadvantages of using this option. There are actually very few disadvantages, as long as you choose a high quality software.

If you are clever and know how to play the market, you can get rid of credit card interest entirely with the help of 0% credit card offers. However, it will take time and effort on your part, along with a keen and cunning mind. With over one 1.2 billion purchases made on credit cards each year, it would be satisfying to know that you are not paying a penny in interest on your purchases. There are two different types of 0% cards, both of which have their advantages and disadvantages. In order to fully appreciate these offers and gain the most benefit from them, you need to do a little bit of homework.