Square Credit Card Reader for iPhone, iPad and Android

Square is a revolutionary service that allows you to accept credit cards, using a reader that plugs into your iPod touch, iPhone, or iPad along with an easy-to-use app. There’s no need for complicated contracts, monthly fees, or merchant accounts. All you pay is a fee per transaction. You download the app from the App Store to easily run your business and track analytics. Square is available for use in the US and Canada.

Credit Karma Mobile – Free Credit Score & Credit Monitoring

CREDIT: Credit Report, Credit Scores, And Understanding The Basics

Get The Book That Can Be Your Basic

Guide Learning About Your Credit

The regular price for this Kindle Book is $4.99.

However, you can download it today for less!

* You do not need to actually own a Kindle to read

Kindle books. Just get the Free App for your Computer,

Tablet, or Smartphone, right from this page.

When you browse through the kindle store for credit repair

books there are an overwhelming amount to choose from.

Clearly there’s a huge amount of interest in the topic. It can

be very confusing.

However, the statistics are clear that many people don’t have

a clear understanding of the very basics to begin with. It is

the main reason why so many of us get in trouble with credit.

Because we’ve only learn through trial and error.

Of course we are all familiar with hearing about credit report,

credit score, FICO, etc. But do you really know what they are.

Or why they are important.

Once you have a clear understanding of the absolute essentials,

then you will know what to do, what to avoid, etc. And how to

begin to improve your credit. And increase your credit score.

Because the fundamental basics never change.

There are simple basics to improve your credit and

raise your credit score!

This kindle guide is perfect for beginners. Everything is

explained in simple, easy to understand, steps so that

you can start learning exactly what credit scores are and

how they effect you:

* What Exactly is a Credit

* What Exactly are Credit Scores

* Protecting Your Credit

* The Impact Of Negative Credit

* Debt Settlement

* The Effects Of Separation & Divorce

* The Effects Of Bankruptcy

* Fair Debt Collection Practices Act

* And Much More

What makes this book unique compared to the other kindle books on

the same subject is that it provides all the important information. However,

it is not a 300 page college textbook, with excess information, that

will require a large commitment of time just to read through it all.

It gives you all the information needed to help you improve your credit.

Click The Cover For Free Preview. Then Download Your Copy Now.

Credit Repair Kit For Dummies

Manage and repair your credit

Credit card debt is the third largest source of household indebtedness. Credit Repair Kit For Dummies gives you the tools you need to repair your credit.

This new edition covers: major changes with the Consumer Financial Protection Bureau’s (CFPB) inquiry into overdraft practices and their effect on consumers; dealing with the effect of tightened credit markets on those with good, marginal, or bad credit; best ways to recover from mortgage related score hits or minimize damage after walking away from a home; updated Vantage Score information; updated coverage on reporting programs like FICO Score watch, etc.; what makes a good FICO score today; a new section on significant others (boyfriend/girlfriend/spouse) and credit/debt sharing; Debt Relief Act in a mortgage meltdown situation; the latest tips and advice on dealing with identity theft and annoying collection calls; and more. Online you’ll find sample credit reports, forms, templates, and other helpful tools to help whip your credit into shape.

  • Updated credit score examples with new ranges
  • New information about IRS exceptions to the Mortgage Forgiveness
  • Advice and tips about adding information to a credit report, and beefing-up thin credit
  • Useful, downloadable, forms and tools on Dummies.com

If you have mediocre credit and want or need to better manage it in order to get a job, reduce insurance costs, qualify for banking products, and more, Credit Repair Kit For Dummies has it covered.

How to Remove ALL Negative Items from your Credit Report: Do It Yourself Guide to Dramatically Increase Your Credit Rating

No more paying top dollar to attorneys and credit repair companies. The secrets are revealed. This book will teach you the incredibly easy process the professionals are using and charging thousands for. A simple step-by-step guide to remove all derogatory items on your credit reports, even if they do belong to you! Are charge-offs, repos, bankruptcies, judgments, short-sales, loan modifications, late payments, and collection accounts preventing you from receiving the new home or car that you dream of, or preventing you from getting a better job or credit card? Say no more, and make them vanish from your credit report file, so your FICO score will dramatically improve!

How To Build Good Credit

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Credit comes with pitfalls. We are told this regularly and for many people it seems to be all they ever hear about the process of paying with credit. However, if managed to your advantage, you can make credit cards work for you. Bear in mind that banks and lenders are quick to add charges to accounts when they feel that there is an opportunity to do so – and don’t give them the chance to do it. Do you believe that it costs them that much to administer to your late payment? Of course not – so make sure you are in the driving seat.

To do this, it is a matter of using credit in ways that the bank won’t recommend. The “monthly” payment on your credit card will usually be set at a small percentage of the balance, and the bank will be happy for you to only ever pay that, because you will pay off more than you ever borrow. Interest, plus any charges, will amount to as much money as you borrowed in the first place. However, you can pay more than the monthly payment, so here is how to make it work for you.

When you take out a credit card, use it as you would use an ATM or debit card. Pay for groceries with it when you get your wages at the end of the month, and then instantly pay the balance off in full. For a while, live off credit and use the money that goes into these costs to make payments to your card. Your credit rating will soar. Your bank will offer you better terms. You’ll be in the driving seat.

How To Turn Things Around

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It is a very rare kind of person that does not have money problems at some point in your life. It is important to realize in the circumstances that missing a single payment on your credit card does not make you a bad person, a financially reckless individual or a debt risk. This is not because it is fine to miss a credit payment – ideally, it won’t happen to you – but because there is a way back from credit problems. You need to be concentrated on finding that way back and taking it – but as long as you keep a clear head, this is more than manageable.

Missing one credit card payment is unlikely to strip you of a positive credit rating in one fell swoop. What you need to keep in mind is that there are very good reasons to treat your first missed payment as a warning sign. If you fall into longer term problems with debt, it will be much harder to escape them. For this reason you should focus on that payment and tell yourself that it won’t happen again. Pay attention to making the payment when you can, and meeting the next one when it becomes due. By sticking to this promise to yourself you will make it far more likely that the one missed payment was an aberration. If you think that you will have problems making payments going forward, look for alternative solutions such as consolidation or debt management, rather than letting the problem grow.

Unsecured Credit – You Still May Lose More Than You Gain

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Although there are obvious pitfalls to taking out a mortgage or a new car loan which are not a problem with unsecured credit, there is no doubt that unsecured borrowing can still be a very risky endeavor. Just because the lender cannot repossess your possessions to make good on the loan, this does not mean that you cannot be put in a very risky situation financially. The first thing that will happen when you miss a payment on a loan or credit card is that you will go into the company’s “collections” file and they will pursue you for payment.

As well as entering the collections department, you will find that your credit record will contain the information of your missed payment. There are certain kinds of borrowing that are available to people with perfect credit ratings, including loans that have extremely low interest rates. A black mark on your credit rating will be enough to disbar you from ever qualifying for such lending, and will mean that any credit you do get will be very much on the lender’s terms.

Borrowing money can be the solution to a problem in a number of situations, but it is important to realize that without the continued means to pay the money back you will be placed in a very troublesome situation. Sometimes the best way to deal with the pitfalls of unsecured lending is just not to borrow at all. It may make for a difficult situation, but it will be one without unpleasant letters and phone calls.