Tuesday, November 18, 2008

FREE CREDIT REPORT?

HI CONSUMERS!
EACH TIME I COME ON THE INTERNET THERE SEEMS TO BE A LITTLE ISSUE THAT STANDS OUT.

THIS TIME IT IS GETTING A FREE CREDIT REPORT. SOMETIMES YOU MAY GET A FREE CREDIT REPORT BUT UNDERSTAND YOU ARE SIGNING UP FOR A FREE TRIAL OF A MONITORING SERVICE. MANY TIMES YOU DON’T NEED TO GO TO THESE SERVICES. IF YOU GO TO A BANK AND APPLY FOR A LOAN YOU GET A FREE CREDIT REPORT.

DON’T OUTSMART (PLAY) YOURSELF. GET A FREE CREDIT REPORT AT  http://www.annualcreditreport.com . YOU ARE GIVEN THIS REPORT FROM THE GOVERNMENT (THE FACT ACT).  WHICH IS MORE SOME STATES GIVE CONSUMERS ONE OR TWO FREE CREDIT REPORTS YEARLY. THIS IS BOB BEE KEEPING AN EYE ON YOUR BENEFITS AND YOUR CONSUMER RIGHTS.

~The Debt Survivior~

 

Posted by Bob-bee at 05:48:39 | Permalink | No Comments »

Sunday, November 2, 2008

Debit Card or Credit Card?

These are a tough economic times.  Surviving rough times is very difficult for most citizens.  I ask you this very simple question?  Are you using a credit card or a debit card?  Both cards are different but they serve the same purpose and have different benefits.

I have both a  debit card and a credit card. I use my debit card if I have the money on hand and prefer to save service charges.  However, my credit card comes in handy when I don’t have the money when I see something I want now.  

Merchants really prefer a credit card. A credit card holder has more protection when he uses a credit card.  If you purchase goods and there is some damage to the goods, you can always return the goods with little hastle.  When  an item is charged to your credit card without your knowledge you have the benefit of disputing the charge.  These are just a few advantages of using a credit card and these benefits are not free unless you pay your full amount each month. 

The debit card is better for that person who like to spend money and don’t keep good records. Some banks protect the debit card against fraud but always check.  I am not a fan of the debit card but use it with caution.  Be a smart consumer.  Keep thinking until next time.

~ The Debt Survivor~

Posted by Bob-bee at 04:49:21 | Permalink | No Comments »