You have to have a copy of your credit report to know if you have collections, so make sure you get that first. You can look inside our site to find a good place to get it if you want to buy it, or you can go to if you want to get it for free. Buying it is a lot easier than getting it for free. I know that sounds strange, but youll believe me after you get your report from annualcreditreport.com.
Once you have it you need to look it over and find the collections that you have paid off. Put an x or something next to them so you can easily find them again for writing your credit repair letters. If you use our credit repair software, you will see that you just need to enter the account name and account number into the software and it will make the letters for you.
Ok, so let me get to the point of why I would devote one blog post to this subject.
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As of November 6th, all Discover cards have no foreign transaction fees! This is excellent news if you already have a Discover credit card, of course, but should you consider getting one because of the change? The answer depends on your travel habits. As you might expect, Discover’s new pricing structure has the biggest effect on their two airline miles credit cards: the Miles and the Escape. While we do have a few words of caution, we’re super excited to see these cards become a more competitive choice for international travelers. The rewards are decent and easy to redeem. And if you’re looking for the most bang for your buck in terms of reward redemption, Discover provides plenty of good options.
Discover Escape beats Discover Miles
The Discover Miles card and the Discover Escape card are similar in many respects. Both
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Halloween, just a week from today, is an enjoyable holiday for all ages. There’s trick-or-treating for the young ones, parties and haunted houses for the older children, and scaring the trick-or-treaters that come to your door as an adult. But all of the efforts that go into making Halloween special can run up quite a bill. You open your credit card bill in November, just as the winter holiday shopping begins, andBOO! You’re spooked by Halloween charges. Read on to learn stats about spending and tips to avoid exorbitant Halloween costs.
First, though, the National APR Average dropped last week, from 15% to 14.99%. Though that seems a small change, it’s notable that this is the first drop in the National APR for three months.
The National Retail Federation performed its ninth annual survey of Halloween spending habits this year. They
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Layaway seems like an obvious alternative to using a credit card, but some programs are actually more expensive than using a credit card for the same purchase amount and time period. If you’re considering layaway, take a look at this article that compares the cost of layaway to the cost of an average rate credit card.
— William Lee @ 7:26 pm — 
November 15, 2011