Credit Repairs Blog » My credit

Major League Baseball Credit Cards are a Hit!

Alex Smith — Mon, 12 Jul 2010 01:30:19 +0000

Major League Baseball, through issuer Bank of America, has cast its giant footprint on the credit card industry. Like many schools, airlines, and retail stores have done for decades, baseball teams are now being featured on consumer credit cards. These credit cards, picturing the major league baseball team of choice on their face, are rapidly growing in popularity and proving to be a hit with baseball fans across the country.

The Major League Baseball™ Extra Bases™ Credit Card from Bank of America boasts no annual fee and a 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for the first 12 billing cycles. As incentives to gain customer share in the extraordinarily competitive credit card market, the baseball credit card also offers an official MLB™ licensed jersey after the first qualifying transaction using the card. In addition to the no annual fee and 0% introductory APR, the card offers a point based incentive system whereby card holders earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, coveted MLB™ life experiences, travel and cash rewards.

A review of the internet landscape makes clear that every major league baseball team can be represented on a credit card. For example, www.mlbcreditcardoffers.com highlights the card, its features and allows consumers to apply. Other websites like www.metscreditcard.com and numerous others in which you simple insert the [team name] followed by creditcard.com, like www.redsoxcreditcard.com for example, offer the same Major League Baseball™ Extra Bases™ Credit online application.

Historically, baseball has given the public something to believe in and something to hope for, particularly in tough economic times. With this credit card, consumers can be reminded of their favorite team every time they open their wallets.

Credit Cards, Credit Score & Credit : How to Fix Bad Credit

Alex Smith — Mon, 03 May 2010 22:43:12 +0000

Fixing bad credit takes time, but obtain your credit report first and check for accurate information. Learn how to fix badcredit from a credit counselor in this free personal finance video. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto is a credit counselor working for Consumer Credit Counseling Services in San Jose, Calif. Filmmaker: Bing Hu

How to Fix Your Credit With Five Simple Steps

Alex Smith — Fri, 02 Apr 2010 16:14:35 +0000

Nowadays, good credit is crucial for people to have. It can be the difference between getting favorable and shoddy treatment. It can also mean the difference between getting a good interest rate and a not so favorable one. How you handle your credit repair plays a big part when you look to fix your credit. You must analyze what happened to get you to this state of not having good credit and work to fix it. Here are five steps you can do to fix your credit and get it back on track:

Credit report – Get a copy of your credit report and look at it thoroughly. See if you find any errors for any of the items listed. If you do, make a note of them. Contact the credit bureaus to dispute them in order to have them removed. You may have to write them a letter regarding this. If you have any correspondence that supports your dispute, send the bureaus a copy. This is an important part of your credit repair that cannot be overlooked.

Past due accounts – Work on getting your past due account up to speed. This part is a crucial part of your credit history and can affect your credit a lot. It will also affect your credit score. Until you start paying on them in a timely manner, your score will not increase much at all. If you’re having problems making payments, contact your creditors to see about setting up a payment plan to get you back on track. Your credit repair will include doing this.

Debt payoff – In order to fix your credit to be favorable, you need to start paying off your debts. Use whatever funds you have to start the process and create a plan to get out of debt. If you need additional money to do that, you may have to get a part-time job or start your own business. You can also look for things in your house that you can sell on auction sites. It may hurt you personally, but once you do this, you’ll have money to save for a rainy day. Including this in your credit repair will be worth the sacrifice.

Credit card accounts – Don’t be in a rush to close out any credit card accounts, unless you have too many. You should have no more than three and those should be major credit cards such as Visa or MasterCard. If you have department store credit cards, get rid of them. They do nothing but add extra interest and additional debt. Part of your credit repair means that you should not be saddled with a lot of credit cards. Get rid of the ones that are a detriment to your credit score.

Applying for more credit – While you’re doing credit repair, one thing you don’t want to do is to apply for more credit. This can hurt you more than you’ll ever know. Potential creditors and lenders conduct inquiries on your credit to see if you’re stable enough to receive services from their company. These inquiries affect your credit score and too many of them will trigger a negative impact. So, don’t get desperate and stay away from getting additional credit.

Credit repair using these steps can help you get back to where you need to be with your credit. Fixing your credit may not happen overnight, but once you put these steps in place and follow through, your credit will be good as new.