TopConsumerReviews.com Best Prepaid Credit Cards
      October 20, 2018

Home  >  Prepaid Credit Cards  >  Articles

Your Information Is Secure
Credit Cards: The Lowdown Newsletter

Latest Reviews

Acne Products

Coffee Clubs

Company Incorporation

CPA Exam Reviews

Credit Repair Companies

Dog DNA Testing

LLC Formation

Meal Delivery Programs

People Search

Pet Insurance

Wholesale Dropshippers

 

Related Articles

Comparing Prepaid Credit Card Companies

Credit Card Alternatives for Poor Credit Scores

What to do When Your Credit Is Bad

 

Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

What to do When Your Credit Is Bad

Many consumers assume and hope they are in good financial shape until they go to make a major purchase and are declined. Whether you were aware of your credit issues or were just recently informed, the only way out of a bad credit situation is to take action. Below are some steps to improving your credit score. Remember there's no quick fix available.

Take a Look
Order a credit report from Experian, Equifax and TransUnion - the three credit reporting agencies. Take a look at what each report says about you. Closely look over your credit reports and see what errors exist. Common errors include incorrect account information that is not yours, payments reported late in error, aged items that should be removed, missing details and more. Itís free to dispute errors and is your legal right under the Fair Credit Reporting Act. You can make disputes online, over the phone and via mail. Experts advise following these rules when disputing credit items:

  • Don't dispute several items at once. Only report one dispute per letter, call or online submission. If you attempt several at once the credit agency may automatically assume they are not valid and will disregard.
  • If you are looking for the easiest method of disputing your credit reporting the online route is the fastest but will require you keep good notes.
  • When you do submit your dispute (mail, phone, online) you have to include a copy of the actual credit report item. Highlight which entry you're referring to so that you're effort is not wasted. If a credit agency is confused in any way they will return as such and you have to start the process over.

Get Help
Feeling overwhelmed or know you don't have the time to manage such a detailed project? Several credit repair companies exist today that are relatively affordable, are experts in this field and do a great job of managing the process for you. Many companies can also give you advice to start making smart financial decisions that positively impact your credit score.

Use a Prepaid Credit Card
If you've lost the use of your credit card you can still have the same convenience of a Visa or MasterCard by using a prepaid credit card. Prepaid credit cards are purchased and loaded with the available balance you'll have access to spend. Be sure and identify what fees are accessed with your prepaid card and how future balances may be loaded for your convenience.

In summary, if you have damaged credit the only way out is to take immediate action. Investigate the damage, fight the inaccuracies and get help if needed. A prepaid credit card will help get you through until your credit score improves.

This Week In Credit Card News: The Lack Of Fixed Rate Cards; Consumers Regret Getting Store Cards

[Bloomberg] How Prepaid Cards Can Ease Gig Workers' Payment Pains According ... Receipts Mastercard announced that cardholder signatures will now be optional for the back of credit cards and receipts. ...

Published:  Fri, 19 Oct 2018 13:18:00 GMT



Credit Cards Stolen From Kingstowne Used At Grocery Store: Police

The unknown suspects reportedly stole several credit cards from a car on Tuesday, Oct. 9. They used the stolen cards to buy prepaid gift cards at a Harris Teeter grocery store in Arlington.

Published:  Thu, 18 Oct 2018 14:02:00 GMT



How to Choose the Best Prepaid Savings Account for You

Technological and financial evolution has resulted in various types of payment methods. One of the most popular ones is the prepaid debit card. Resembling a credit card in every way, this plastic paym...

Published:  Wed, 17 Oct 2018 15:11:00 GMT



Prepaid Credit Cards With Low or No Fees

This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services. It is ...

Published:  Mon, 08 Oct 2018 19:04:00 GMT



Things young professionals should consider when getting first credit card: Money Matters

Credit card issuers aren't as loose as they were 15 years ago ... If you really wanted to be even more careful, you could pay by money order. Another option is a prepaid debit card such as Movo Prepai...

Published:  Mon, 15 Oct 2018 08:08:00 GMT



How to Dispose of a Credit Card - No Burying Required

Or you can call the number on the back of the card, and American Express will mail you a prepaid envelope, she says. Don't obsess about identity theft of an old credit card. You generally won't be res...

Published:  Fri, 19 Oct 2018 11:14:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure