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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.

Starbucks Launches New Prepaid Rewards Card

Founded in 2000, LowCards has helped millions of consumers research and find a new credit card. Chase and Starbucks have teamed up to launch a new co-branded prepaid rewards card. The Starbucks Rewards Visa Prepaid Card is "the only reloadable Visa ...

Published:  Tue, 12 Jun 2018 09:51:00 GMT



Starbucks and Chase just announced a cobranded prepaid card

And the rewards offerings compound those advantages.Most prepaid and debit cards don't come with rewards incentives of their own - it's hard to find rewards-based cards that aren't credit cards - which makes the Starbucks product unique. It offers ...

Published:  Wed, 13 Jun 2018 07:30:00 GMT



Starbucks and Chase team up for a prepaid card

NEW YORK (CNNMoney) - Coffee drinkers who aren't interested in opening another credit card now have a new way to rack up Starbucks rewards points. Chase Bank and Starbucks announced Monday a prepaid Visa debit card that's linked to the Starbucks Rewards ...

Published:  Mon, 11 Jun 2018 10:48:00 GMT



How Do Prepaid Debit Cards Work

a general-purpose reloadable prepaid card. When you get one of these cards - from a retailer, bank or credit card company - you're opening a transaction account held by a bank. Unlike a debit card, though, you can spend only the amount of money that ...

Published:  Wed, 13 Jun 2018 13:44:00 GMT



Tesco Bank promises to refund credit card customers who were charged for spending via Curve

which is managed through an app and lets you connect existing credit and debit cards to it to help with budgeting, is not a prepaid card and so should not be subject to the 3.99% fee. Tesco Bank has now agreed to 'pause' charging the 3.99% fee, and agreed ...

Published:  Thu, 14 Jun 2018 04:50:00 GMT



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