Consumer

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Credit Card Tip:
April 2012 It is still hard to get an unsecured credit card when credit is bad, yet using a prepaid card to repair credit may help with rebuilding credit. Find options to get credit in which the lender reports good repaying habits to a major credit bureau.

When it comes to information about finances and credit there is so much information online. People have become so resourceful in finding self help topics and credit services. There is a ton of free financial resources like budget planners, bill reminders, credit cards, debt relief, and tax information to name a few. Some resources are listed that may be useful to people wanting products and tips.

Credit Cards, Benefits of Unsecured Credit Cards:

Using unsecured credit cards can have many benefits for managing personal finances in a much easier way and to save time in the process, like when paying bills. Many major card issuers like Discover, MasterCard, and Visa have financial tools, online bill pay or other helpful points cardholders can use. Below are some examples of some benefits of using unsecured credit cards.

Examples of Some Benefits of Using Credit Cards:

* Bills could be paid on time using automated bill reminders.

* Some cashback cards reward cardholders for paying bills using their card.

* Unsecured credit cards have fraud protection benefits.

* Most credit cards offer online bill pay feature which can make paying all bills easier. For example, pay the phone, cable, internet, utilities,

mortgage, and other bills using one online account.

* Use statements to track personal and business expenses, watch for wasteful spending, and plan a budget.

There are many free financial calculators, free bill reminders, and free budget tips online that can be helpful for managing personal finances. Take advantage of helpful tips and tools to get control of debts and to learn how to have a more stress free financial life.

Credit Card, Fraud Prevention:

Fraud Prevention Tips: Trying to stay current on the many ways thieves can steal credit card information can be exhausting at times. It is so important to monitor account activity on a frequent basis. Checking bank accounts just by using online services can help tremendously, as it can be done any time of the day or night.

It is always the intentions of credit card issuers to work hard to protect their card holders. Gone are the days when stealing only involves grabbing someone's purse to get cash or credit cards. Now it can be done just be stealing card numbers by using fake card swipes or from computers. Hackers get smarter every day and identity theft and credit card fraud techniques change constantly.

Consumers usually have real concerns about the safety of their credit tools and many are taking an active position by checking accounts daily and only using credit cards at well known stores. Using online stores, people must be careful and know exactly who is getting their sensitive data. When there is some doubt about the reputation of an online shop, it may be best to avoid shopping there and giving out information. People worry about becoming a victim of credit card and debit card fraud, and there are some new tips available in an effort to try to ward off fraud.

Big business are often the target of hackers who wish to steal names, addresses, social security numbers, and credit card information. Most companies are doing all they can to keep such information secure. Fraud protection programs are developed and are in place by card issuers. Yet there will always be those rare times when someone becomes a victim and looses money. People must do their part in monitoring their accounts too, and learning to spot fraud. Watching bank accounts and credit card accounts online, in addition to watching monthly statements, is a must to catch any problems as early as possible.

Learn to create good passwords and don't make them too easy to remember. Use both letters and symbols and do not use the same passwords for every account. Of course this may require a way to keep all passwords documented in case a password is forgotten. Any documents that have sensitive information should be destroyed and not tossed into the trash where identity thieves can get it. This also includes emails with passwords or other important data.

"Whatever consumer credit service you are searching for, you'll find literally millions of results at any popular search engine. Below is a listing of some of the more notable websites, along with their individual logos and what each site specializes in providing. Some credit websites are portals, which means they do not directly provide credit services but instead present their recommendations. Noting that a particular recommendation appears on multiple, popular websites, may lend credence as to whether or not the particular service is legitimate. By taking the time to review consumer credit website offers and by comparing terms and conditions, you can increase the likelihood that you'll deal with reputable, legit credit providers."

Credit.com has been online since May 10, 1996. This financial website offers consumers a variety of services, including auto loans, credit cards, credit reports, mortgages, secured and unsecured loans. *See credit.com for details.

BankLady.com has been online since October 10, 2001. This website offers a wide range of consumer credit services for people with less than perfect credit as well as those with good credit.*See banklady.com for details.

CareOneCredit.com has been online since June 21, 2002. This financial website offers consumers a variety of services, including debt relief solutions, money management tools, newsletters, and coach support. *See CareOneCredit.com for details.

MoneyMutual.com has been online since February 8, 2005 and is not a lender. This website offers consumers the resources to a network of online short-term lenders.*See MoneyMutual.com for details.

Debtmerica.com has been online since April 27, 2006. This website offers consumers solutions to minimize creditor harassment, to reduce the total amount of unsecured debt, and provide one low monthly program payment. *See Debtmerica.com for details.

CREDITLOAN.com has been online since July 30, 1998. This website offers consumers information about personal finances. They have articles about bad credit loans, mortgage and refinancing loans, credit cards, and credit reports and credit repair. They are not a lender.

*See CREDITLOAN.com for details.

CreditCards.com has been online since February, 22,1995. This website offers consumers a variety of credit card offers, credit card selections, news, tools, and features.

They are part of the Bankrate Online Network. *See CreditCards.com for details.

CreditKarma.com has been online since August, 29,2005. This website offers consumers a unique method to track credit scores. Their services begin with a free credit score, without the need for your credit card. *See CreditKarma.com for details.

MoneyNowUSA.com has been online since August, 29,2005. This website offers consumers the means to apply for a fast cash personal loan and getting cash in a bank account may only take an hour. There is no need to fax papers and applications are secure. *See MoneyNowUSA.com for details.

WESTERNSKY.com has been online since December 7, 2003. They offer a real personal loan not a payday loan. They specialize in quick money, fast cash loans online. Short terms and emergency cash loans. The loan rates may be high, but it's a lot cheaper than a payday loan *See WESTERNSKY.com for details.

DebtRescueUSA.com has been online since October 27, 2006. They offer consumers the service of matching them with a debt settlement company, based on their specific information. Thousands of people have been able to save money on credit card bills.*See DebtRescueUSA.com for details.

AUTOLOANFINANCE.com

AUTOLOANFINANCE.com has been online since January 2, 2001. They have been connecting people to providers of consolidation loans, conventional and easy loans for years. Thousands of consumers have found various types of loans and loan information. *See AUTOLOANFINANCE.com for details.

Freecreditscore.com has been online since May 3, 2000. This website offers a wide range of consumer credit services for people to order a free credit score and have a trial membership for credit score alerts. *See freecreditscore.com for details.

"Disclaimer: LegitCredit.com does not guarantee the legitimacy of any website or offer listed on this website. As the consumer applicant, it is your sole responsibility to research to determine what websites and offers are legitimate."