Banks Are More Than Just A Place To Park Your MoneyWritten by Carol Sue Blanchard
If you've been to a shopping mall lately, you've probably discovered two different banks within a few feet of each other. Go inside food store in that shopping plaza and you'll see yet another one, just waiting to offer their services to you. Now drive down road a few blocks and you'll probably see yet another bank on corner. With all banks to choose from these days, it can be too much. How do you know who is reputable and what will serve your purposes?It's actually very simple. Make a list of what you want from a bank and choose only two or three of ones you've heard good things about. Banks are often places that your friends and families will have strong opinions about- so listen to them. If they rave about one and rant about another, you will know where to stay away from. Make sure to take their advice with a grain of salt though, so you don't sign up right away. First, you need to find out all that they offer so you can make an informed decision. Enrolling with a bank may not seem like a big decision, but it is. Think about it, changing banks is not something people want to do often. And it's not something that is particularly easy or fun to do. You'll want to start with a good bank and stay with them for many years - if not for rest of your life. You'll probably be using a debit card, credit card, loan and various other services with your bank, so choose wisely.
| | 5 Things How Credit Report Rating Can Save You From Fictitious CreditsWritten by Khali S.
5 Things How Credit Report Rating Can Save You From Fictitious Credits Let us see bigger picture why there is a stirring need to check our credit report rating. To know creditworthiness of an individual, lenders rely on credit report scoring or FICO scores. Credit report rating involves a predicative value that conveys to lender whether said individual can pay on time stipulated. A credit report must be regularly checked in order for an individual as well as his lenders to have a good grasp of his credit report rating. A credit report rating is a rating made by authorized credit agencies that signifies a person's credit history. It is an integral part of contracting a mortgage or personal loan, whether it's a home mortgage loan, business loan, commercial loan, refinance or debt consolidation. Why is there a need to check it? Here are vital points why checking credit rating information is indispensable. 1.Credit reports acquaint people with credit history of an individual, thus, neglect in checking it may mean obtaining new credit by giving holder bad credit. If you have neglected your bills, defaults, mortgage inquiries and likes, you can have access to them through your credit report. 2.Another factor is to avoid identity theft and bad credit report rating. Identity theft is an insidious crime which involves a person who assumes true holder's name without latter's knowledge in order to open new accounts, switch card statements and contract bad debts. Identity theft can put to risk your ability to obtain potential credit.
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