Personal Finance Learning Center

Recently Added Financial Articles

Filing a Car Insurance Claim (Seven Steps) [published 23 Nov 2007]
Having even a small car accident can be one of least enjoyable moments. However, accidents happen, and sooner or later, we all may have the experience of meeting one of our fellow road travelers up too close and personal and having to file a car insurance claim.

Factors Affecting Car Insurance Premium and How to Lower it [published 23 Nov 2007]
There are many factors that affect your auto insurance premium. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. Below are elaborated some of the risk factors.

How to Find Car Insurance Discounts [published 23 Nov 2007]
Saving money wherever you can is important to us all. Car Insurance should be no different. Do not assume that your insurance agent knows everything about you and your car.

How to Cancel Credit Monitoring Service [published 22 Nov 2007]
MarketProSecure.com partners with several different companies that offer credit monitoring programs to US based customers. Here are the cancellation instructions for each of our partners.

Credit History and Car Insurance Rate [published 22 Nov 2007]
Many car insurance companies always consider your credit history when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates.

Reading Credit Score Numbers [published 22 Nov 2007]
At present there are following possible evaluation patterns for your credit score: Excellent: When it is above 800: Lenders and insurers will view you as no risk at all. This happens when you have a long history of responsible multiple credit use.

What Does the Credit Score Mean? [published 22 Nov 2007]
Credit score is generated by a statistical model. Each of the large banks/insurance companies usually has their own generator different from others, however most companies are using the adopted FICO model.

Secured Credit Cards [published 22 Nov 2007]
A secured credit card is a type of credit card secured by a deposit account owned by cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired.

How to Choose the Right Credit Card [published 22 Nov 2007]
When shopping around for the right credit card it is most important to find the one with features that match your needs as it can save you money on interest and fees. We have developed five steps system which would help you in process of choosing the right credit card.

Security Holes in Credit Card System [published 22 Nov 2007]
The low security of the credit card system presents countless opportunities for fraud. This opportunity has created a huge black market in stolen credit card numbers, which are generally used quickly before the cards are reported to be stolen.

Finance Charge Balance Computation Examples [published 22 Nov 2007]
Average Daily Balance. This is the most common calculation method. It credits your account from the day payment is received by the issuer. To figure the balance due, the issuer totals the beginning balance for each day in the billing period and subtracts any credits made to your account that day.

Card Holder Entitlements [published 22 Nov 2007]
Federal law prohibits card issuers from sending you a card you didn't ask for. However, a card issuer can send you a renewal or substitute card without your request. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card - and, if you say yes, they may send you one.

Importance of Credit Card Terms and Conditions [published 22 Nov 2007]
A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it's wise to compare terms and fees before you agree to open a credit or charge card account.