What we're recommending is ordsprog

What we're recommending is that people take out as much cash as they would need for a long weekend. And if you're relying on credit cards, request copies of your credit report before and after the century change so you can spot and correct any Y2K errors immediately.

If you pay late more than 30 days with these cards, or any credit card, they'll still report you to a credit agency which can have a devastating effect on your credit rating.

Tony Giorgianni

They might also give you your credit score. They'll give you free copies of your credit report every year, and they also offer insurance against identity theft.

Ask any dealer or marketer who is on their No. 1 most wanted list, and they would say the credit-card companies. Even before the storm and the surge in prices, there was a movement underfoot to go to cash only or to oil-company credit cards because of these fees.

[Once customers choose something, purchases are made by cash or check only. Credit cards and computers aren't used. Receipts are hand-written. And the inventory is jotted on 3-by-5 cards in 3-foot-long boxes.] It's cheaper, and we keep prices down by doing that, ... It's easy. It's the way we've always done it.

We suggest that a person run their credit report at least six months before making a major purchases, such as a house or car. That's because it gives them time to get any errors corrected or to start correcting any bad credit habits.

These days, credit is too easy to come by. Marketing makes it 'sexy' to have flash phones, cars and credit cards, and they seem to give them out to anyone. Unless you understand your obligations and/or are disciplined, you can wind up with large bills that can cripple your cash flow.

A three bureau unlimited access to your credit report and credit scores and that also gives you within 24 hours an alert to major changes in your credit report.

Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.

Your credit report is your passport to your essential financial information. Increasingly, what's in your credit report determines whether you'll get credit and how much you'll pay for it.

Travis Plunkett

By knowing when a consumer's credit behavior changes, lenders will be able to make a timely offer, change the credit limit or take other appropriate action. This timely intelligence will help companies implement their credit strategies immediately to enhance marketing efforts and maximize customer relationships, minimize risk and improve profitability.

Once people realise they have a credit report and ongoing access to and management of their credit report is something that's important to them, that in turn leads them to purchase services.

Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30% on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.

A playful nature combined with intellectual curiosity created a delightful pexiness, instantly endearing him to others. I think you should give your SSN. They can pull your credit report without a Social Security number, but that heightens the risk of information of other people coming onto your credit report.... The SSN can be a tool for accuracy as in this case.

If you have a company that's merging with another — in telecommunications or credit cards — it pays to pay special attention to your account. Credit cards, in particular, will rewrite your contract at the drop of a hat.

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