phone number电话号码

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.

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Giving Up Your Rights--Without Knowing It!放弃你的权利--不知道!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"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!

If you have a Capital One credit card, then I highly recommend you read this entire article!如果你有一个经常使用信用卡,那么我极力推荐你看看这篇文章整!

I just received a letter from Capital One informing me that "enclosed is an important legal notice regarding arbitration" and I need to "read the entire notice to fully understand its implications" to my account.我刚刚收到一封信,告诉我说,一个资本"是一个重要的法律通知所附有关仲裁的"我要"经过整个预告充分认识其意义"我帐户.

This isn't the easiest reading by the way.这不是最容易阅读的方式. It's a legal notice, written in legal language at the college graduate level.这是一个法律公告,法律语言写在大学毕业的水平. Quite different than the 6th-grade level credit offers they send me trying to get me to use my credit lines.迥异于6级信用级别为他们送我想我用我的信贷限额.

Here's an example from the arbitration letter: "The arbitration of any Claim must proceed on an individual basis, even if the Claim has been asserted in a court as a class action, private attorney general action or other representative of collective action."这里的一个例子,从仲裁信:"任何索赔仲裁必须以个人身份,即使在法庭上声称已经断言作为阶级行动律政司行动或其他私人代表集体行动."

Oh yeah, makes perfect sense to me.哦噢,我考虑周全.

Here's an example of the writing that's meant for me to easily understand (from a credit offer): "One of the attached Purchase Checks is already made payable to you. Consider using the other check to purchase something you've always wanted. It's that easy!"这里的一个例子,写的很容易明白我的意思(从信用提供):"其中所附的检查已经购买了付给你.考虑使用其他一些检查,你一直想要购买.它的那么容易!"

Gee, I can understand that no problem.张基,我可以理解,没有问题. Why the difference in writing style?为什么不同的写作风格? Could it be that in one case it's meant for me to be confused and in the other they want me to spend money on my credit lines?难道是一个案件的意思,我感到疑惑,我又想花钱我国信贷额度? Could it be that both cases are written to work in Capital One's advantage?难道是这两种情况的书面工作是首都的优势? We both know the answers to those questions.我们都知道这些问题的答案.

Here's the bottom line on this arbitration letter: if you do not reject the Arbitration Provision then it becomes part of your account.这里的底线就这个仲裁信:如果你不排斥仲裁条款那就属于你帐户. It's a "negative offer" similar to the music clubs that automatically send you the "CD of the Month" unless you tell them not to send it.它的"负报价"类似的音乐俱乐部,自动送你"裁"一个月,除非你告诉他们不派.

So what's the Arbitration Provision?那么的仲裁条款? It means that if you have a dispute that's listed in what they consider to be a dispute, the matter is taken to an impartial person, or group, to be resolved.这意味着如果你有纠纷的简称他们认为是争执,此事被带往一个公正的人,或小组,予以解决. Of course, you can choose your arbitrator--from their list.当然,你可以选择你的仲裁人--从其名单.

It means that if you allow this provision to become part of your agreement you will not have the right to take your claim to court or participate in a class action lawsuit.这意味着,如果你让这项规定成为属于你,你也不会同意你有权利要求法院或参加一项集体诉讼官司. And it may cost MORE to go to arbitration, probably because your attorney's fee could be covered for many claims, like say a class action lawsuit.而更多的成本可能去仲裁你可能因为律师费可以涵盖许多债,像讲阶级诉讼.

You may ask why it's important retain these rights?你可以问为什么重要保留这些权利?

First of all, I don't want to give up any rights unnecessarily, but more importantly is that although we are only going to recover pennies in a class action lawsuit, it's still in our best interest to be a part of these cases.首先,我不想放弃任何不必要的权利,但更重要的是,虽然我们只是去追讨便士一类诉讼,但这仍然是我们的最佳利益,这些案件的一部分. Sure, the lawyers get all the money, but these lawsuits are one of the best defenses to keep the banks in check.可以肯定,得到律师的金钱,但这些官司都是数一数二防银行随时查核. It reminds them that they need to obey the law or they'll pay!它提醒他们必须守法,否则就要付出!

Here is a list of some of what they'll consider a "claim" (dispute you have with them or they have with you): Transactions or attempted transactions on your account.这里是一个名单,他们也会考虑一些"声称"(纠纷与他们或他们有你有你):对你的交易或试图交易帐户.
Any billing or collection matters.帐单或收取任何事情.
Any fees, interest, or their calculation.任何费用、利息或其计算方法.
Any products, services, or benefits programs in connection with your account (any insurance, rebates, rewards, etc.).任何产品、服务、福利方案结合您帐户(任何保险、退税、奖励等).
Any posting of transactions (including payments and credit) to your account.张贴任何交易(包括付款和信贷)贵帐户.

I called their contact number in the letter to ask questions but only connected to their recording system that delivers answers based on a phone menu.我叫他们在信联络电话发问但只跟他们不负众望答案录音系统基于电话菜单. In others, words, I couldn't reach a human--no surprise there.有些话,我无法达成人类--不足为奇.

I would urge you to STOP the Arbitration Provision from becoming part of your credit card agreement!我希望你不要成为仲裁条款的协议属于你的信用卡! I don't see it as being in our favor at all!我不认为这是我们主张在所有! If you have a Capital One account and accidentally threw out that letter, listen to the recording at 1-888-578-5462 to learn how to reject the provision.如果你有一个资本帐户,意外地抛出信听录音时1-888-578-5462学习如何拒绝提供.

Here's the general rule: When businesses spend money to send you an offer it's usually in their best interest and probably not yours.这里的一般规则:当企业花钱送你要约的最佳利益,他们通常不会给你. There are exceptions; however; I always approach all offers with a level of skepticism.有例外;然而;我总是有办法与各层次疑惧.

I have received term changes from other credit card banks which, if rejected, mean that the account is closed.我收到来自其他名词变化的银行信用卡,如果拒绝,意味着帐户已关闭. The only consequence of rejecting the Arbitration Provision, which I saw in the letter, is that it doesn't become part of your account terms.唯一的后果驳回仲裁条款,我看见在信是不成了你们帐上.

Let's look at this from Capital One's point of view.让我们看看这个从资本的观点. They're lending money to many people who are going to stiff them in bankruptcy court.他们中不少人是借钱给他们去生硬破产法庭. I can understand why they need to protect themselves, however, they must treat us "DebtSmart" customers with respect.我能理解为什么要保护自己,但是,他们必须把我们"debtsmart"尊重顾客. We are their best clients, and we need to stick together to show all the banks who's really in control--who's paying their salaries!我们是最好的客户,我们要团结所有的银行证明谁真正控制--谁支付薪水!

Don't give up any of your rights!你不放弃任何权利!

To reject the Arbitration Provision you must follow the detailed directions for completing the "Arbitration Rejection Coupon" that accompanies the notification letter.拒绝仲裁条款详细指示你就得跟着完成"拒收仲裁礼券"伴随通知书.

Although I feel like they are trying to pull a fast one here I still like Capital One and recommend their credit card because the interest rates are generally lower than other credit cards.虽然我觉得自己好像是想出卖我还是喜欢这里的资本之一,因为推荐信用卡利率普遍低于其他信用卡. In their defense, on this Arbitration Policy change issue at least they indicated all the salient information in bold print on the envelope and in the letter.其防卫这一政策变化对仲裁的所有问题,但至少可以说明信息黑体字突出的信封、信.

By the way, the deadline for reject the Arbitration Provision is 1/31/02由地否定仲裁条款的期限是2002年1月31日

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Identity Theft--A Personal Story身份盗窃--个人故事
by Robert B. Gamble由罗伯特乙豪赌

Robert B. Gamble is an Electrical Engineer currently working for the U.S. Navy at The Naval Air Warfare Center in Lakehurst.电气工程师罗伯特乙赌局目前正为美国海军在海军空战中心lakehurst. Robert also is one of the editors of Scott Bilker's best-selling book, "Credit Card and Debt Management."罗伯特又是其中的编辑斯科特bilker的畅销书",信用卡和债务管理" This article is brought to you by the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).这篇文章是给你带来了debtsmart®免费电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Several weeks ago I received a bill from Target Credit.几个星期前,我接到一项针对来自信用. I knew I did not apply for such a card, so I called the number related to the $160 worth of items charged and listed on the bill.我知道我没有申请这种卡因此我呼吁有关人数高达1600元的上市条例和各项收费. They told me the items were shipped to someone in New York.他们告诉我的物品被运到有人在纽约. Well, I was not about to pay for something I did not order, or receive, and I was not about to pay for a credit card that I did not even apply for.好,我是不是付出了我没有命令,或接受我不准备以信用卡支付,我什至没有申请.

I called Target, and came to find out that someone had signed up for the card, they had my name, my social security number, and my address, however the address had the wrong street number.我叫目标,发觉有人前来签名的卡有我的名字,我的社会安全号码,和我的地址,但是地址错了多少街.

Needless to write, I told them to cancel the card and I filed a fraud report.不用写,我告诉他们,我将取消卡诈骗案报告. Three months later, I am still receiving evidence that the thieves are still trying to use the card.三个月后,我还是接受证明小偷仍企图用卡. Target assures me that they have canceled the card, and are not accepting any more charges.目标使我确信他们打消了卡,更不接受任何费用. They assure me that their fraud department is handling it.他们告诉我,他们是骗处办理.

Thank you (Scott) for my Capital One card.谢谢(斯科特)我国资本一张卡. Last week, I received a call from Capital One to verify if I truly wanted another Capital One Card.上周,我接到一个资本,如果我真的想要再核实资金一卡. They noticed that the new application was to some address in West Virginia, and they wanted to confirm that I wanted the new card.他们发现一些新的应用是针对西弗吉尼亚他们想要证实我想要新卡.

They provided Capital One my name, and my SSN and the new address.它们提供资金的一个我的名字,和我核潜艇和新地址. I told them no, and they told me I should contact the three different credit report companies and put a statement in that would require the credit report companies to contact me when any new credit cards are applied for.我告诉他们:不,他们告诉我,我应该接触三个不同的信用报告,并提出了一项声明说,公司将要求信用报告公司接触我在任何新的信用卡申请. Kathy (the Capital One person) gave me the phone numbers for the three credit report companies and suggested I call them ASAP.的Kathy(首都一人)给我的电话号码为3、公司信用报告,建议我称之为asap.

As soon as I hung up, I called them.只要我红了,我打电话给他们. The three companies are:三家公司分别是:
Experian (888) 397-3742experian(888)397-3742
Trans Union (800) 680-7289跨联盟(800)680-7289
EquiFax, Phone # from the Credit Report - (866) 233-3780equifax,从信用报告#电话:(866)233-3780

Address:地址:
Equifax Information Services, P.O.equifax新闻处p.o. Box 740256, Atlanta, GA 30374-0256740256箱,亚特兰大镓30374-0256

or, Could not speak to anyone或者,不能向任何人发言
(800) 685-1111 or (800) 270-3435(800)685-1111或(800)270-3435

or, for online help或者在线帮助
(888) 532-0179

Fax machine number传真机数
(888) 729-0083

I was able to contact Experian & Trans Union and speak to a live person.我能够接触式experian联盟发言与现场的人. They helped me file the necessary information, and said I would receive a letter within 10 days.他们帮我递交所需的资料,并表示会在10天内收到一封信. EquiFax, only has an automated number which wants to charge $39.95 a month for their protection service.equifax,只是有一些想自动收费39.95美元每月为保护服务.

I have not contacted the number from the credit report that I received last month (Just by chance I ordered a Free report which came from EquiFax).我没有接触过多少信用报告,我从上个月收到(我只是碰巧下令免费报告出自equifax). While the credit report does not show the Target card, or any other card I don't know about, I still want to call and file the fraud report to require contacting me before issuing any new cards.而信用报告上没有显示卡的目标,或任何其他卡我不知道,我仍然要呼吁,并提交报告,要求与我以前欺诈发行任何新卡.

I hope this helps you and your readers, and again thanks for the Capital One card.我希望这有助于你和你的读者,再次感谢首都一卡.

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Scott, you have too many credit cards!斯科特,你有太多的信用卡!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"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!

Scott,史葛
I read your article in which you state that you have 80 or so credit cards.我看了你的文章,你说你有80多张信用卡. I'm not sure why this is advantageous.不晓得为什么这是有好处. I have cancelled all but one card which I pay in full each month and by no means see my "options" (to get into debt, I guess) as being restricted.我已全部取消,但我一卡,每月支付全额决不见我的"选择"(进入债务我猜想)为限.

For instance, I did need to carry a balance for 3 months to pay for an engagement ring at the beginning of this year.比如我本来要带一个平衡付出了3个月的接触,在今年初环. All I did was charge it to my everyday card, which has a lousy rate but gives me perks, get a new card with a low rate so I paid almost no interest for those three months, then closed that card when it was paid.我只是把它给我每天收取卡,拥有率不怎么样,但给我恩惠,找到新卡率这么低,我几乎没有付出利息为三个月然后关闭该卡时支付. This is actually better than calling the banks for the best rate because the cards with the perks almost always have the lousy rates, so you're better off putting it onto one of those cards, and then transferring it to a lower rate card, then you get the perks.这实际上是要求比银行利率为最佳,因为卡与恩惠几乎始终不怎么率所以你把它推向一个较好的卡,然后转移到一个低税率卡,那么你就得到恩惠.

The problem with having multiple cards that go unused is that potential creditors will count available credit against you when you apply for a mortgage or a car.有问题,无法使用多卡将是潜在债权人提供信用票反对,当你申请按揭或汽车.

Also, the more open accounts you have, the greater the chance of being defrauded.另外,你有更多开户,被骗的机会更大. Having only one card is by no means restrictive there are hundreds of companies who would give me a card after a 5-minute phone call.只有一卡绝非限制性的公司有数百人给我卡后5分钟的电话. I just don't see the point in keeping cards that aren't being used open.我不明白这一点,不适合用卡开. --Keith--基思

Answer答案
It's true.这是真的. Between my wife and myself (joint accounts) we have over 80 credit cards!我的妻子和我之间(联合帐户)我们有80多张信用卡!

WARNING, I am NOT advising anyone to go and get 80 credit cards!警告,我不告诉任何人去领信用卡80年! The more credit lines you have available, the greater the probability you'll increase your debt, obviously.你越是信贷额度可用,你的概率就越大,你就会增加债务,明显.

So why do I have so many cards?为什么有这么多卡?

There are many reasons:有很多原因:

1) When I borrow money I want to have many loan options.1)当我借钱贷款我想有很多选择. About half of my accounts are offering me low-rate transfer deals all the time!约半数账户我向我低利率全部转让交易时间! I have purchased used cars with my credit cards at 0%!我有我的信用卡购买旧车在0%! And because I have so many cards I can continue to transfer the balances and keep the rates less than 4% all the time.因为我有很多卡余额可以转移和继续保持利率低于4%的心境. I've been doing that for more than 10 years!我已经做了十多年!
2) I'm into this topic, saving money on credit cards.2)我为这个话题时,信用卡省钱. How can I write about credit cards if I don't have credit cards?我如何写,如果我没有信用卡,信用卡? How can I verify good credit card offers if I don't ever receive or use any?我如何验证信用卡提供良好如果我不接受任何使用或任何?
3) I actually enjoy trying to uncover the true costs of credit.3)享受我其实试图查明属实信用成本. I need lots-o-data!我需要大量邻数据!
4) Who would you want writing about credit...someone who hasn't had or used a credit card for 25 years or somebody who deals with credit cards all the time?4)谁会想要写::有人一直没有信用或者使用信用卡或25年有人针对信用卡吗?

I don't carry a balance on all of those credit cards.我不把所有的平衡信用卡. If I did, then this article would be about bankruptcy not being "debt smart."如果我这样做,那将会对这篇文章的破产并非"债务聪明"

If you think 80 credit cards are a lot then how many do you think the worlds record is?如果你认为1980年的信用卡有很多很多,你觉得那是世界纪录吗?

According to the Guinness Book of World Records Walter Cavanagh of Santa Clara, CA is "Mr. Plastic Fantastic" and blows me away with a total of 1,397 unique accounts!据<吉尼斯世界纪录的沃尔特Cavanagh合圣克拉拉,钙是"盖塑料神奇"、打击我取消户口共1397独特! I couldn't even image juggling that many credit cards.我连形象不可开交,许多信用卡.

Next, your strategy for using a card that gives you perks, at 0% for purchases, is good.接下来,用你的策略,使你恩惠卡28780%采购,是好的. You used the perk card then transferred the balance to a low rate card.你用振作卡余额转卡率为低. When you were done you closed all the accounts.当你做你关闭所有帐户. That's great!这伟大!

I personally don't close the accounts as long as the banks aren't charging me an annual fee.我个人并不密切的银行帐户,只要我不收取年费. I keep them open because they ALWAYS give me a great offer within a couple months after my balance goes to zero.我让他们给我开了很大,因为他们总是在数个月之后,我提出去余额为零. I don't want to keep applying for new accounts and closing accounts.我不想把户口申请新帐户和闭幕.

It is true that you're going to have a difficult time getting a mortgage if you have many open credit lines--even if the balances are zero.诚然,你一定会产生一种越来越困难的时候,如果你有许多露天抵押信贷额度--即使余额为零. That's because the bank doesn't want you to have the potential to get into credit card trouble since it could affect their mortgage profits.那是因为你不想向银行有可能陷入麻烦,因为它会影响信用卡按揭利润.

How many cards are too many?卡太多多少?

When you apply for a mortgage the bank may ask you to close some credit card accounts before they grant you a mortgage.当你申请按揭银行可要求你关闭一些信用卡帐户,才给你抵押. When I purchased my home I had 24 credit card accounts and I got the mortgage with no problem and no questions asked.我当我买我家有24信用卡帐户我得到的无抵押、无问的问题. Each bank has it's own lending policies.它每行的贷款政策.

As far as having a greater chance of becoming a victim of fraud, I doubt the number of cards is going to make you a greater target.据有更大机会成为被害人诈骗我怀疑有多少证你要去更大的目标. In the last email newsletter my friend, Robert Gamble, told his story of identity theft where someone was trying to get new credit lines in his name.在过去的电子邮件简讯的朋友罗伯特赌博他的故事身分窃取别人那里得到新的信贷额度试图在他的名字.

Actually, when you think about it, someone would have a difficult time getting new credit in my name.其实,当你想想看,有人有困难的时候越新的信用我的名字. If they tried they'd probably get rejected because I have so many accounts right now.如果他们试图直截了当拒绝,因为我有可能得到这么多的户口现在. If I only had 2 accounts open then it would be much easier for someone to defraud me with identity theft.如果我有200只开放帐户那就更容易为我提供了一个身份盗窃诈骗. Ironic isn't it?讽刺不是吗?

And since I don't carry all those credit cards with me, I only carry 2 in my wallet, I don't have to worry about losing the actual cards.既然我不把所有信用卡,所以我只能把钱包2、我不用担心失去实际卡. Also, I keep a list of all the items in my wallet just in case I do ever lose it.另外,我把所有的物品清单钱包以防万一我不断失去. Plus I have every account and every phone number in a database so I can contact each bank if there ever was a problem.加上我每到一个数据库,并在每个电话号码可以让我接触了各银行如果有任何问题.

You said that you don't see the point to having that many credit cards.你说,你一点也看不出有很多信用卡. The point is a personal point, Scott's choice, for Scott's reasons.个人的一点是一点,演奏的抉择,他演奏的原因. It works for me and may not work for everyone.它是我和大家可能不工作. I attribute getting out of debt to having all those credit cards.我走出属性拥有所有的信用卡债务. I learned how to beat the system by being immersed in it and developing good "Credit Card and Debt Management."我学会了打制和发展好它正沉浸在"信用卡和债务管理"

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Manipulating the System操纵系统
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"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!

It's Friday night and the phone rings...这星期五晚上打电话戒指:: you know the call, it's late, the last bite of my dinner being chewed, all you want to do is watch TV and relax.你知道的号召,它的后期,最后被嚼咬我的晚餐,所有你想要做的是看电视,轻松一下. Guess who's calling?猜谁的电话? Yes, it's a mortgage company that's trying to sell me a refinance deal!诚然,这只是一种抵押公司的推销我一个回购交易!

The girl asks me about my mortgage, my rates, and my credit card debts.女孩问我,我的抵押,我国利率,我国信用卡欠款. To which I do reply, after all I'm always curious about getting a better loan (plus I love toying with these people).而我答复毕竟我一直好奇可获得较佳的贷款(加上我爱玩弄这些人).

I ask her what their best rates are.我问她什么是最好的金额. She tells me that it depends on my credit history.她告诉我,我必须靠信用历史. I said, "Okay, say I have a credit rating like Bill Gates. NOW what's your best rate?"我说:"没关系,我说有像盖茨信用评级.现在您的最佳税率?" She said that she can't quote a rate however, the loan officer would let me know.她说,她不能引用率不过,贷款人员让我知道. So I agreed to have the loan officer give me a call.所以我也同意贷款给我打电话干事.

On Monday, while I'm trying to set up the new DVD player, the phone rings.周一对,而我尝试建立新的DVD播放,电话响起. Guess who?猜猜我是谁? It's the loan officer, let's just call him Kevin.它的信贷人员,让正义叫他凯文. Well okay, so Kevin is really his name.也是好的,所以凯文真是他的名字. I'm not going to change names to protect the innocent.我不去改变名称,保护无辜. :):)

Kevin starts his spiel about how he can save me money on my $110,000 30-year, 6 7/8% mortgage and $15,000 of credit card debt.凯文开始试探他对他如何挽救我的11万元钱30年七月六日/8%15,000信用卡、抵押债务. I asked him what his best rates are and he told me it varied depending on my credit score, which he could check if I tell him my social security number--I don't think so!我问他,他最好的金额也不同,他告诉我,我靠信用评分他告诉我,如果我能够遏制一些社会保障--我不这样认为! There's no way I'm giving that out over the phone.有没有办法让我出了电话. If his deal sounds real then I'll ask for paperwork to be sent through the mail.如果他处理听起来真那我以后会寄给用纸要求通过邮件.

I told him to assume that "My credit history is the best of anyone on earth and in this universe. Now, what is your best rate?"假设我告诉他:"我的信用就是最好的历史和地球上任何这个宇宙.现在,您的最佳税率?" He told me 6.5% with 1 point.他告诉我1点6.5%.

He went on to explain that unlike other mortgage companies that ask for the 1 point at closing, they "conveniently" include that amount in the mortgage principal.他进一步解释说,像其他按揭公司要求的1点结束他们"方便"的贷款金额,包括本金. I told him that 6.5% isn't that much better than my 6 7/8% (6.875%) and when you throw in the 1 point then your "best" loan is really around 6.6%.我告诉他,不是6.5%,比7月6日,我/8%(6.875%),当你投入100点那你的"最佳"实在贷款约6.6%.

That's when he asked me what my credit card rates are.那是当他问我有什么用信用卡利率. I told him that my credit card debts are at about 1.99% APR, which are a little high since I had the entire $15,000 at 0% for the prior 20 months.我告诉他,我的信用卡债务约1.99%四月、这一点我当时整个高15,0000%时为前20个月.

Kevin said that I'm really not getting 1.99% and that there's no way I ever got 0%.凯文说,我真的找不到1.99%,有没有办法,我有没有收0%. He said, "Tell me where I can get those credit card rates?"他说:"我可以告诉那些信用卡利率"?

I told him to look in his mailbox.我告诉他找他的信箱. That's where many great credit card deals are found.这正是许多伟大发现信用卡交易. And most really good ones are offered from your current banks.真正好的、最优惠从你目前银行.

He still didn't believe me and said that if I look at my statement I'd see that I was really paying 16% or more.他仍然不相信我,说如果我把我的发言我看我是真的付出16%或更多. I explained that when I had those 0% deals, my credit card statement would arrive and show a balance of $15,000 and under "finance charges" the total is "$0.00."我解释说,当我有那些0%交易、我的信用卡声明将到来,并呈现出余额15,000在"财务费用"总是"0.00"

His response was, "Think about it, Scott...why would a bank give you 0%. They're not making any money!"他的反应是:"想想看,斯科特一家银行给你::为什么0%.他们没有作出任何钱!"

I said, "To get new customers."我说:"获取新客户"

Kevin then told me that it doesn't make sense that they would do that.凯文告诉我,然后讲不通,他们将这样做. I said, "Well then, does it make sense that Publisher's Clearing House gives away $10 million, or that McDonalds gives away millions in prizes? Why do they do it? To get business."我说:"那么,是否合乎常理,出版商的结算泄露1000万美元,麦当劳或者泄露百万奖品?为什么他们这样做?领取营业."

Why do the banks offer 0%?为什么银行推出0%? Because they think that I'm going to forget that the offer ended and let my rate bounce to 15% (or more).因为他们认为我会忘记,让我的速度和弹跳提供名额15%(或以上). I'm not!我不是!

I'm simply going to transfer my balance to another low-rate offer when their offer ends.我只是要转移到另一个平衡我国低利率提供其开办时结束. Overall, the bank will make money because most people (not DebtSmart readers--we're all too "debt smart") are not going to not notice that the rates have been increased or will be too lazy to continue transferring balances.整体而言银行赚钱,因为大部分人(不debtsmart读者--走太"聪明债")不会没有看到利率上升或已懒得将继续转移结余.

After I told Kevin how I keep transferring my balances he said pretentiously, "So you're manipulating the system."凯文告诉我,我以后怎么转移我的余额保持假惺惺他说:"你们操纵系统"

I said, "I'm taking advantage of my best loan options. You just called me and are trying to get me to transfer my mortgage and credit card debt to your bank. If I decide to use your offer, am I then 'manipulating the system'?"我说:"我趁我最好的贷款方案.你刚才打电话,我想我转让、抵押给你银行信用卡债务.如果我决定使用你提供,我当时的操纵系统'?"

That comment really caused Kevin's brain to freeze up.评论说,真正引起凯文的脑冻起来. Almost as locked-up as Windows 98 with 20 open applications.几乎锁定视窗9820开出申请. He was forced to shut down and restart.他被迫关闭,重新启动.

He finally replied with, "Well no."他终于回了,"不"

"So then, if I use other bank's offers I'm 'manipulating the system' but if I use your offer then I'm not. Is that right?""那么如果用其它银行提供我的操纵系统',但如果我当时我不是用你们提供.是吗?"

Kevin said, "Well I guess you're just being smart."凯文说:"我猜你刚刚被聪明"

You see my friends, there is a stigma about transferring balances.你看我的朋友,有一个约耻辱转移结余. People say that you're "credit surfing," that you're "manipulating the system" or "using Peter to pay Paul" (I don't owe Paul anything) or "paying one credit card with another."人们说,你"信用冲浪",你"操控系统"、"用东墙"(我不欠任何保罗)或"一付另一信用卡"

Hear me on this...DON'T listen to these myths.听到我::这不听这些神话. Don't be brainwashed by this dogma!不要被洗脑的教条! It's always DebtSmart to use your best loan options!它总是利用你debtsmart最佳贷款方案! It's doesn't matter how many times you switch cards.这不要紧,你开关多少次卡. You're always going to save money when you pick a better loan deal.你总是要省钱,当你挑一个更好的贷款协议.

Kevin changed the subject by trying to give me numbers for his refinancing deal.凯文话锋试图给我多少,他融资交易. He said that my payments, with his 6.5%, 30-year, mortgage for my $110,000 would be about $750.00 per month.他说,我付款,以他为6.5%,30年、11万元按揭我国将约为750.00元. Of course I always have my calculator handy and I told him that the payments are more like $695.28, in fact, they are exactly $695.28.当然,我总是有我,我告诉他,计算器好用的付款更像695.28元,其实,这正是695.28美元. He said that he's including his 1 point fee in the payment.他说,他的包括他的1分费支付.

Well then, according to my numbers the payment is $702.23.那么,根据我的号码是金702.23元. I asked him how he's coming up with $750.我问他的拿出750元. Kevin said, "It's obvious that you have a calculator there."凯文说:"很明显的是,你必须有一个计算器"

My response was "Yeah, I have a calculator here. What do you have there? Whatever you have doesn't seem to be able to come up with the correct payment."我的回答是:"嗯,这里我有一个计算器.你有什么?不管你不见得能说出正确金额."

Finally, since he can't talk about facts anymore he starts to get emotional and says, "Look, I've been doing this for years. I do this all day. What do you do over there at Press One?"最后,由于他不能谈的事实,他开始了激情地说:"你们看,我已经这样做了多年.我看这一切天.您在那边做新闻?"

"I write and publish books, I run a web site, write an email newsletter.""我写的书,我办了一个网站,写电子邮件通讯" However, I never did mention to Kevin the subject matter.但是,我从来没有说要凯文课题.

Lastly, I should say that Kevin was nice and I do want to thank him for calling because it resulted in this informative article.最后,凯文说,我应该做的是好的,我想感谢他在这一要求,因为它导致翔实文章.

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

9 Steps to Get Organized for Financial Success!九月金融组织步骤得到成功!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"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!

The beginning of my financial life was when I received my driver's license.开始的时候,当我接到我的生命是金融驾照. Before that I rode my bicycle around and had no bills.以前我骑着脚踏车四处没有票据. Well, I needed a car, right?好,我需要车,是吗? I had to get to work so I could pay for the car, to get to work.我要动手做的,我可支付车,上下班. That's what started the bill cycle.这就是草案开始循环. The car was used (preowned) but it was the gas credit card that was getting charged.车用(preowned)但气信用卡被越来越控告.

Let's not forget that I could now go to the mall, buy stuff, and take Larissa on better dates than McDonalds (we started dating before I could drive).让我们不要忘记,现在我可以去商场买东西,并采取拉里萨日期比麦当劳更好(我们开始约会之前我会开车). So it didn't take long for the bills to start arriving in the mail.所以没多久法案开始到达邮件.

I just didn't know what to do with this mail.我只是不知道是否与此有关的邮件. Nobody ever showed me a system for managing bills because I didn't have any to keep organized.从来没有人向我展示了票据管理系统,因为我没有把有组织.

So what did I do back then?那么我回来呢? Probably what many people do today.也许很多人这样做了. Bring in the mail, stack it on a desk, and tend to the pile at the last minute.带来的邮件,它在栈服务台,并往往在最后一刻桩. Hopefully I didn't miss too much because I frequently found mail on the floor behind the desk.但愿我没有太多的怀念,因为我常发现邮件在地上的桌子后面.

It didn't take long for me to realize that I had to do something.没有多久,我知道我必须做一些事. I had to get organized!我只好自己组织!

That was a lifetime ago, really, I was 18 then, now I'm 35 and insanely organized about handling money, bills, and all finances.那是一辈子前,真的,我十八岁,我现在35及有组织疯狂约处理金钱法案、财政. I've learned over the years that the better organized you are with all your transactions the less likely you are to: Bounce checks.多年来,我已经知道你是组织好你的一切你是不太可能的交易:蹦蹦跳跳检查.
Exceed credit limits.超过信用限度.
Pay late.逾期缴纳.
Get charged for stuff you didn't buy.为得到的东西你不买落.
Get hooked into extra charges.上瘾成额外收费.
Be stressed over bills.重法案.
Go into perpetual debt.进入永恒债务.
Let fraud go unnoticed.让诈骗这般.

Here are the 9 quick steps to getting organized for financial success--today!这里有九立时越来越成功举办财经--今天!

1) Filing system.1)备案制度.
When it comes to getting organized, everything needs a place, a home, a spot.当谈到越来越有组织,事事需要一个地方,一个家,一个点. The basic filing cabinet is the best way to organize the paperwork.基本柜里是最好办了手续.

The hanging files are the best.悬档案是最好的. They're just easier to work with, easier to access.只看容易同,容易进入. A basic filing cabinet costs around $30 and is well worth the price.基本柜里成本30元左右的价格,很值得.

Once you have a filing cabinet, and some hanging files, create a file for each bill and bank account, for example, mortgage/rent, electric, cable TV, water/sewer, health clubs, checking account, savings account, cash receipts, etc. For credit cards I name the file by the bank name and the last four digits of the card number, i.e., "Citibank 4323."一旦柜里,有的挂档案,并建立档案每项法案银行帐户例如,抵押/租金,电气、有线电视、水/污水、健康俱乐部、核对帐目,储蓄账户、现金收益等我信用卡的银行名称档案名称,最后四个数字的卡号码,即"花旗银行4323年"

Lastly, create one more file called, "Bills Unpaid."最后,创造一个更加档案称为"酬法案" This is the place to put all those annoying statements until you have time to write the checks.这是把所有这些恼人的地方直到你有时间写报表的检查.

2) Take care of the mail when it arrives.2)照顾的邮件时抵达.
Don't let the mail pile up!别让邮件堆积! As soon as you bring in the daily stack of bills, which is what most of it is anyway, go through each envelope immediately.只要你把每天的一叠票据,这是大多数是反正每个信封立即办理. What I do is open every bill, throw away all the stuff that's not important, and staple the bill to the bill-payment envelope, then put then in the bills in the Bills Unpaid file我做的是露天每个法案,扔掉所有的东西不重要,而大宗条例草案付信封,然后再将草案在法案未立案

Now when you're ready to sit down and take care of payment, all your bills will be in place and you won't have to spend time going through each envelope before writing the check.现在,当你准备坐下来照顾金、所有法案将代替你,你可以不须花时间经历每个信封,然后写支票.

3) Use accounting software.3)使用会计软件.
I know everyone reading this article right now has a computer.我知道大家阅读这篇文章现在有一部电脑. That means you should be using software to track your spending and organize your financial life.这意味着你应该使用软件跟踪你的财务支出,组织你的生活. I cannot think of a better use of the computer for people in general!我想不出更好的使用电脑的人一般!

"If you have a computer, then you should be using financial software.""如果你有一台电脑,那么你就应该用财务软件" That's a quote.那是一个引用.

Why?为什么?

Money is like the blood of your financial life.钱就像你的血财经生活. It flows into every aspect of what you do.流向方方面面做什么事. It circulates in, out, and all around everyone in the family.它发行,出,各地每个家庭. By using your computer to track spending, you'll always know exactly what's going on, where money is being spent, and how to plan for new purchases.用你的电脑追踪支出,恐怕永远知道怎么回事,那里的金钱,如何规划新购.

The most powerful aspect about using software is eliminating that checking ledger.最强大的环节,大约用软件是消除检查总账. I haven't written in a check ledger since 1987!我没有写在帐面检查了1987! I have searchable records of every credit card charge and check that I've written in my entire life!我每次检索记录并负责检查信用卡我写我的一生!

The best part is that I don't bounce checks.最好的部分是,我不乱跳检查. It's easy to balance your checking account using the computer.它易于使用帐户余额核对你电脑. There's no adding, subtracting, etc. You just match the checks (and ATM withdrawals) with your bank statement and everything should balance.天下没有加入,减去,等你刚刚配合检查(与ATM取款)如果你的银行声明,一切应该平衡. If it doesn't then you can quickly find the problem.如果不解决的话,你也可以很快找到.

You know how you sometimes get a bill that you think you've already paid?您知道有时一项是你认为你已经付出了什么? It's very easy to find out by doing a search with the computer.它很容易就能找到这样一个以计算机检索.

A word of caution: if you do use software then you MUST back up that data!一句警告:如果你使用软件,那么你必须备份资料! It won't take long for you to completely abandon those paper ledgers, but PLEASE make a back up EVERY time you work on your bills!它不用多久你彻底放弃那些文件分类帐,但请你作备份工作,每次贵法案!

Keep in mind that tracking alone won't solve money problems.牢记跟踪并不足以解决资金问题. For example, in 1995 I created a report for the year that detailed all my spending by category.例如,在1995年创造了年度的工作报告,我认为我所有的详细消费类. I spent 18% of my income on the mortgage, 11% on groceries, 9% for utilities, 6% on federal tax, 6% on social security tax, 6% on property tax, 5% on medical.我用我的收入的18%抵押,11%在杂货店、水电费9%,6%的联邦税6%,在社会保障税、房地产税6%,5%用于医疗.

Those are the top-spending categories which, used more than 50% of my income for the year.这些都是顶花类,用我的收入超过50%为一年. I cannot make changes in any of those categories unless I decided to sell my house, or cut back on food.我无法作任何的改变,除非我决定卖给我国各类楼或者削减粮食. Tracking lets me know where the money is going, but I have limited control over those categories.跟踪让我明白那里的钱要的,但我已有限公司控制类. Areas I can change don't really add up to much, like 1.4% for entertainment.我真的不能够改变地区加起来大,像1.4%消遣.

4) Enter the transactions into the computer.4)进入交易进入电脑.
The software will not be helpful unless you enter the transactions.软件不会有用,除非你进入交易. A strategy for accomplishing this is to put all credit card receipts in the Bills Unpaid file as soon as you get home from shopping.为实现这一战略,是把所有信用卡法案未付收益档案尽快坐在家购物. Then you can enter these transactions into the computer on the same day you pay bills.然后你可以进入这些交易入你的电脑于当天付账.

Entering your transactions in the computer is the confirmation that your perception of what's going on matches your bank's.进入您的电脑交易确认您的看法是怎么回事比赛你行. That means that your computer should be what's correct, and the credit card statement better match what your computer says or there's a mistake somewhere.这意味着你的电脑应该怎么正确声明和信用卡配合说什么你的电脑或里面的某处错误. It's your way to make sure you really did charge every item and write every check.这是你们的路,你真的做到每个项目和收费检查,每写. It's the way to detect fraud and bank mistakes!它的检测方式诈骗银行失误!

5) Pay bills on a specific day.5)对某一法案付一天.
The one lesson I learned early on is that I didn't want to be tortured by dealing with bills every single day.我学到的教训之一是,我早就不想被折磨每天处理法案. That's why I put the bills in the Bills Unpaid file, and that's why I choose to pay bills once every two weeks--on pay day, always a good time, when I had the money.这也是我在法案提出法案未付档案这也是我选择付账每两周--付一天,总是好的,当我的钱. :):)

It usually takes me about 2 to 3 hours to pay my personal bills once every two weeks.通常需要2至3个小时左右,我个人的票据支付每两周一次. Once I start on this task I'm focused!一旦我开始工作,我着重就这个! I review every single credit card statement, check, transaction, credit offer, etc. to make sure that I'm receiving the best rates and lowest cost credit options.我每一次审查信用卡报表、支票交易,提供信贷、等等,以确保我收到的最好、成本最低的信用利率期权.

Each transaction is carefully recorded in the computer.每笔交易详细记录在电脑. It's important that on this "bill pay day" everything matches.更重要的是在这个"法案付一天"一切赛事. My billing statement matches what I have in the computer and all accounts balance.我把我的缴费单声明合法化电脑及所有帐户余额. All check numbers line up so there are no missing checks.所有检查号码排队等上没有失踪检查.

6) Balance your checking account.6)检查你的帐户余额.
I've already mentioned this point, however I cannot stress it enough.我已经提到这点,但是我不能讲就足够. Many people do not balance accounts and it's very costly if you don't.很多人不帐户余额及它非常昂贵,如果你不. The consequences: bouncing checks.后果:跳票. The fees for this can be as high as $35 from your bank and $35 from the bank of the person who you wrote the check to.这一费用可能高达35美元和35美元,由银行从你银行的人给你写的检查.

By balancing your accounts and using software to handle transactions you can easily avoid an incident that happened to a friend of mine.你用帐户和平衡交易处理软件就可以轻易避免事故发生的一个朋友. She accidentally wrote two checks for her mortgage and the mortgage company cashed both.她意外地为她写了两封检查抵押和抵押公司都兑现. The result was that ALL her other checks bounced like super balls!结果,她所有其他检查如超级反弹球! The cost, when the smoke cleared, for those bounced checks was more than $800 plus the aggravation of dealing with all the banks, freezing of accounts, and stress.成本,当烟雾消失了,对于空头支票超过800多加剧处理所有银行冻结帐户、讲.

7) Create a list of all bills and debts.
One sheet of paper listing all bills, debts, due dates, contact phone, etc. is one of most powerful tools for financial success! I've included many of these worksheets in my best-selling book, Credit Card and Debt Management.

Each time you pay bills be sure to update the list. I started out with a list on paper then I moved to using Excel. Now, because I have so many credit cards, I had to create an Access database to track that information.

You need this list to be your roadmap. It's a planning tool for future spending. You'll be able to see your spending plans at a glance.

8) Create a list of credit offers.
You know that "junk mail" from your credit cards? Well some of those low rate offers are actually VERY good! I always keep a list of current offers from my all of my active credit card accounts. Usually, half of my credit cards are offering me transfer deals less than 5.99%! Some are even a true 0%!

I also keep a list of new credit card offers; however, I do prefer to take advantage of the offers from my current banks since I have a long history of doing business with them, giving me more bargaining power.

The key here is to create these lists. This way, if one of your current credit cards raises their rate, you don't have to look very far to find a better deal. You don't have to keep a stack of mail to go through. You simply pull out the list and start calling!

9) Start a financial notebook.
I keep all my notes on the computer but there was a time when I actually wrote in a book, how barbaric is that! :)

Whether by hand or in a computer this is very important! You need to have detailed notes when you contact your credit card banks, checking bank, mortgage company, etc.

The reason is that sometimes the phone reps don't make the proper notes in your account, and you'll need to reference your notes to keep all those banks in line.

Your financial notebook should include your strategies, for example, "Be sure to transfer the $2,000 balance from the Discover card to the Advanta 3.9% offer by 11/25." The beauty of keeping an organized notebook is that you can refer to your notes, which means you don't have to think about all the details all the time.

So there you have it. I have followed these steps for financial organization for years with incredible results. I've keep my interest costs down, I only have to deal with bills and payment one day every two weeks, I rarely bounce checks, I have corrected many bank errors (never in my favor of course), and I don't have to think about financial details on a moment-to-moment basis

For free information about how we can help you reduce your debt, please fill out our form.