10 Myths about Credit Debt1910年信贷债务约神话

10 Credit Myths1910年信用神话
by Scott Bilker由斯科特bilker

S cott Bilker is the author of the best-selling book "Credit Card and Debt Management."作者是棉花收盘bilker的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

As they say, "Knowledge is power."正如他们所说,"知识就是力量" Many times people either act on false information or fail to act because they didn't know what could be done to their benefit.行为人多次或者虚假信息或不采取行动,因为他们不知道怎么办,对他们有利. This is the case in many areas of life, but on the top of that list is money.这种情况在许多生活领域,但在名单之外,是金钱. And in the money category you will find lots of misinformation about credit.在金钱、你会发现很多类错误信贷.

There is so much to talk about on the topic of credit myths that an entire book could be dedicated to it.有这么多谈的话题,全书信用神话可以献给.

Myth #1: I'm a complete financial loser for getting myself into this mess.迷思#1:我是一个完整的财务输入自己争取这个烂摊子.

Fact: It may be true that you're responsible for getting into debt but that doesn't make you a loser.事实:也许你真的陷入债务负责,但不使你一个失败者. In fact, it may not be your fault at all.事实上,它可能不是你的过错可言. As long as you start working on becoming more knowledgeable when it comes to finances, you will ultimately find success in controlling your debt.只要你着手日趋知识化说到财政你找到最终成功地控制了你的债务.

Myth #2: Credit is what got me into this mess.迷思#2:什么是信用拉去这个烂摊子.

Fact: Spending is what got you into debt.事实:是什么机缘让您成为消费债务. Credit was the means to spend.信贷消费方式. If you're problem is spending then very well may have spent all your cash.如果你的问题是很好的消费则可能花费你所有的现金. However, credit cards may make it easier to spend.不过,信用卡消费可更容易.

Myth #3: There's nothing I can do about it now.迷思#3:没有什么,我现在能做的事情. My credit is destroyed forever!我国信用毁灭常青!

Fact: As long as you work, starting today, to rebuild your credit, you'll eventually get it under control.事实:只要你的工作,从今天起,你的信用重建,这下你终于得到控制. Rebuilding your credit means: (1) Paying on time; (2) Looking for better credit options; and (3) Learning more about money and credit.重建信用你是指:(一)按时缴纳;(2)寻求更好的信贷方案;(3)了解货币和信贷.

Myth #4: If I cosign a loan for my friend, it has no affect on my credit.神话#4:如果我的朋友cosign贷款,却没有影响对我的信用.

Fact: When you cosign a loan it's like you took the loan on your own!其实:当你cosign贷款就好像你把自己贷款! It may be true that your friend is the first one responsible for the loan, however, if they default it's completely your problem.它可能是事实,你的朋友是第一位负责贷款,但如果他们违约的问题完全是你.

Myth #5: It's fine to give out my credit card number for identification as long as I don't authorize a charge.#神话5:它给了我优良的信用卡号码,只要我不认同授权费.

Fact: NEVER give out your information as a form of identification.事实:你的信息永不出一种认同感. When it comes to giving out any personal information, be sure you know exactly with whom you're speaking.说到发放任何个人资料,相信你知道到底是谁与恻隐之心. This is especially true when someone on the phone.更何况人打电话.

Myth #6: If I pay off an old debt it will be removed from my account.迷思#6:如果我的老债务偿还它会从我的帐.

Fact: Most likely, no.事实:最有可能,没有. In fact, when you pay past-due debts it restarts the time period that it can be reported in your credit history!事实上,当你付出过去因债务重启动时间,它可以在您的信用报告的历史!

Myth #7: When I get divorced my "X" will owe half the debts.神话#7:当我离婚了我的"X"的一半将欠的债.

Fact: If your name is on the account then you owe the money!事实:如果你的名字然后就到你欠的钱! If you have a joint account and your ex-spouse refuses to pay, even if you've agreed they would, then you're next on the collection list.如果你和你的联合帐户前配偶拒绝支付,即使您同意将那么你下次就收集名单.

Myth #8: The government owns the credit bureaus.神话#8:政府拥有的信用社.

Fact: Credit-reporting-agencies are not owned by the government.事实:信用报告-机关不是属于政府. Although, there are many laws that dictate how they must operate.虽然有许多法律规定如何经营.

Myth #9: I cannot change the information on my credit report.神话#9:我不能改变我的信用资料报告. It's set in stone.它集石材.

Fact: You can change the information!事实:你可以改变信息! The Fair Credit Reporting Act outlines that information that's not 100% accurate or cannot be verified with 30 days, must be removed.公平信用报告法概述,信息不准确或不能百分之百核实30天必须拆除.

Myth #10: If I get in debt too deep I'll just file for bankruptcy protection.神话#10:如果我得太深我才刚刚债务立案破产保护.

Fact: The bankruptcy laws are changing to make it more difficult to eliminate all your debt in a bankruptcy so you may end up paying much of it back anyway.事实:破产法正在改变,使其更难以消除所有债务破产等你你掏腰包许多回撤走. It will also be on your credit report for 10 years!它也将是你的信用报告10年! Hey, if you have NO OTHER OPTIONS then you should certainly investigate bankruptcy.嘿,如果没有其他选择,你一定要查破产. However, it's much better to settle the debts if you can.但是,它好得多如果你能还钱.

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