Credit report scores tell lenders who you are

Millionaire Credit Card

What Credit Cards do I Qualify For?

Free Credit Search is a completely FREE web-based resource for credit card seekers. We provide real-time unbiased information to help you make informed decisions about your credit. By filling out our credit profile you can find out which banks will approve you BEFORE applying!

All information submitted on the application profile will be used to conduct a search of lending institutions which are willing to issue you a credit card(s) based upon your current credit, income and employment.

You must be 18 years of age or older and a citizen or permanent legal resident of the United States with a verifiable permanent U.S. home address and a valid social security number. You must reside within the continental United States including Hawaii and Alaska.

When you use our service, you will receive FREE results with the following information:

-The number of credit card issuers you qualify for.
-The type of credit cards available.
-Credit limit range offered.
-Quick one-click access to apply for these cards

Your no obligation FREE results will be available within minutes of submitting your application. We will not pull a credit report to complete this search. Your results will be emailed directly to you after your search is complete.

Find the Credit Cards YOU Qualify for NOW!

The Millionaire Next Door

The millionaire next door is a person who is frugal. He understands that wealth accumulation can be accomplished only by spending less than you earn.

Living below your means is the surest way to become wealthy.

Living the rich lifestyle you "deserve" and spending based upon future earnings potential is the surest way to ever increasing debt.

A Penny Saved is (NOT) a Penny Earned

Ben Franklin was right to say that "A penny saved is a penny earned." This was true until 1913.

The Sixteenth Amendment to the Constitution passed in 1913 states: "The Congress shall have power to lay and collect taxes on incomes, from whatever source derived, without apportionment among the several states, and without regard to any census of enumeration."

Now, with federal, state, and local income taxes, your money doesn't go as far as it did in Ben Franklin's day.

About a third of your earned money goes to income taxes. To make a dollar of spendable money, you need to earn $1.50. The first 50¢ is removed by income taxes leaving only $1.00 for spending.

So, today, Ben would have to say: "A dollar saved is a dollar and a half earned." You can see how budgeting, saving, and being frugal is much more important than it used to be.

Making a Personal Budget

A personal budget helps you take control your future. There are simple techniques to gain control over your finances.

A personal budget is a money plan. Think of your family as a business.

Every successful company has a budget. It's a plan involving income and expenses.

To be financially successful, you need one too.

A personal budget helps organize your money to achieve financial goals. It helps control your financial resources. Your personal budget will show how your money will be used for your benefit. A personal budget is really simple but powerful.

To create a person budget for your financial success please visit Financial evaluation of your income and spending.

Credit Report Scores - Computing Then Insufficient funds?

Your credit report scores are based on factors that appear in your credit reports:

  • Bill payment history (Good: on time and for the full amount)
  • Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
  • Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
  • Length of credit history (Good: 3 or more years of on time payments)
  • Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.



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Link text: Credit Report Scores - See and Improve Them
Description: Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
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