What Is The Best Credit Card To Get?

Over the past few weeks I have been getting allot of questions about credit cards and one of these questions that keep popping up is: What Is The Best Credit Card To Get?  My response is that's not a question that can be answered right away.  There are certain variables that need to be analyzed first, like whats your current credit score, what is your current balances on your credit cards, whats your, oldest credit card or line, whats your newest credit card or line, and how many inquiries do you have on file right now.  Another important thing is, do you currently have any negative information on your credit file either form the past or present.

After you address these questions then you can ask yourself what do you want out of a card as well.  Gifts rewards, airline points for free trips, concierge rewards, or even cash back rewards.  There are many out there.

With all of this information you can even know who will approve you, get a guesstimate of how much your limit will be, and know who is the best bank or card to get because you can find out what banks or creditors use what credit bureau's to approve you with.

For any other questions please leave a comment and I will answer you right back ASAP.

We can even assist you with getting approved for credit.

Thank you for coming look around theirs allot of great information about personal credit, business credit, entertainment, gossip, and even many how to tutorials here as well as music info and opportunities as well          
Please also check out our new ebook at:
http://www.tradebit.com/filedetail.php/222443902-the-come-up-compilation

it consist of some of the best information needed today to get your self of the ground, like top 10 secured credit cards to get, top 10 credit unions to join, top 10 SIC codes to use when opening up a business, health information, notary information, and business credit"biz credit" information as well.

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Collection Agency's Calling My Job Instead Of Me

Ok, collection Agencies calling other contact of yours, like your parents, grandmother, family members, or even work.  Now its not illegal at all for them to contact you but its bad practices.  Now if this is whats happened to you or what has been happening to you, it sucks, and can even be embarrassing as well.  So here's what you do, you write or acquire what is called a cease and desist letter.  This letter is in plain English means, to halt an activity and not to take it up later or face legal action, again it means, to formally ask someone to knock it stop or hold your breaks, or knock it off.  This can be used for many different besides annoying debt collectors.  It can be even used fro an ex boyfriend or girlfriend making harassing calls, or more.

While putting your letter together, I find it better to have it Notarized before sending it off.  There will be a Notarized letter posted up on the www.itsmapps.com site for download for your use.

Please leave your comments and questions, I am here to help.

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How To Dispute Collection Agencies

This one is sweet and to the point.  Before you start Disputing anything with the Collection Agencies, take a good look at your Credit Report first.  You maybe able to get rid of allot of your problems with them as far as negatives items being on your credit report.  Now if you have tried all that you can with the Credit Bureau's and all have failed, then you can pursue the Collection Agencies.  Word of advice, Collection Agencies are not very trust worthy and sometimes don't have all the ammunition that you think they would have considering that they are after you for a debt that they have bought from the original creditor. So firs thing, do not give them any information about you that they didn't know before.  if they say its your debt, then they should have all of your current information; and don't confirm any information that they relay to you.  Allot of times they fish to see if what they have is correct.  Some of them don't even have your social security number, which make you wonder, why are they reporting on my reporting without a ssn or how did they get the ssn number? ha, anyway, Never make any deal with a Collection Agency unless they mail or fax one to you and has a signature from a higher up in there company, ex: manager, supervisor.  They are notorious for making flake deals with unsuspecting and unaware individuals, that makes things worse for you.  And also don't believe when they tell you that they can not remove the negative item form your credit report, they can, because, they are the ones that put it there, and I myself have made such a deal.  They can even cut deals with you to update your account as a positive account, depending on the kind of flexibility they have or want to have.  There is nothing that cant be done.

www.itsmapps.com
www.itsmapps.blogspot.com
Blue Mitzi
Mapps Clothing
The Come-Up Compilation Ebook