About James H. Dimmitt

James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book IDENTITY THEFT- How To Avoid Becoming the Next Victim! and other money-saving bonuses by visiting http://www.yourfreecreditreportnow.com
The Benefits Of Laddering Your CD Investments

If you’ve decided to stock some money away in a certificate of deposit, why not reap the highest benefit over time by laddering your CD investments? What’s a CD latter? I’m glad you asked.

Consumers Beware – The Profits Are In The Fine Print

“Fees From Riskiest Card Holders Fuel Profits – Late Payers and Big Borrowers Are Becoming Cash Cows as Rates Balloon” … the headlines read in a recent article featured on America Online from the Wall Street Journal’s Mitchell Pacelle. The article outlined how banks are squeezing more revenue from consumers and more often from the ones who can least afford it.

How To Boost Your Credit Score

Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, announced they would begin sharing credit scores, also known as FICO scores, with consumers.

Have You Checked Your Permanent Record Lately?

As a young student I feared getting bad grades because I didn’t want any bad marks on my “permanent record.” Get an “F” in fifth-grade science and it goes in your record. Act up in Mrs. Brown’s class? Yep, it’s in your record too. Get caught using a swear word and it’s not only in your permanent record but it goes right at the top! When you go to a parochial school like I did, you come to believe that there really is some mysterious file that follows you for the rest of your life.

The Simple $10 Debt Elimination Solution

Ask a friend what resolutions they made for 2004 and your bound to hear them reply “Pay off my credit cards.” Ask them how they planned on reaching that goal and many of them will not have a clear cut answer.

Finding The Right Answer For Your Debt Problems

As credit card bills begin to stuff our mailboxes, many consumers are faced with the hard reality that they went overboard with their holiday shopping. And for those who don’t pay the balance due in full, you’ll also wind up paying interest charges. For some people this can be the beginning of the end as they can’t see a way to manage the burden of their credit card and other debts.

“Anticipating” Your IRS Refund Can Cost You Plenty

While accountants are reaching for aspirin, millions of Americans are reaching for some fast cash this tax season. Unfortunately, those who reach for fast cash in the form of a “refund anticipation loan” are getting hit with interest rates and fees that are out of this world.

Credit Help For Renters And Others On The Horizon

Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sue’s on-time mortgage payments are reflected in her credit score profiled by the three major credit bureaus; Equifax, Experian and Trans Union.

Fighting Identity Theft

Chances are good that you know someone who has been victimized by the fastest growing crime – identity theft. The Federal Trade Commission (FTC) reported that there were 10 million cases of identity theft in 2002 alone. It’s estimated that someone’s identity is stolen every 79 seconds.

Resolve to Improve Your Finances in 2004

Kick off 2004 with these 7 money resolutions and get a fresh financial start to the new year. At year’s end, you’ll be surprised at how much you’ve reduced your debt load and the money you’ve saved!

Don’t Let The Holidays Detour You From Your Financial Goals

Do you dread going to your mailbox and finding yet another credit card bill? Do you find yourself worrying about how you’ll pay your bills from one month to the next ?

Make Your Complaint Heard And Get Results !

At some point in time you will be faced with the need to register a complaint because of a poor product or poor service, or maybe even both !

10 Simple Rules For Avoiding Phony Telemarketers

Although telemarketing calls should diminish, especially if you’ve registered for the national do-not-call list, scam artists are still out there hoping to con you out of your hard earned money. Scam artists don’t care about breaking telemarketing sales rules because most are fly-by-night operations that change names and locations quickly before they are caught by authorities.

Legislators Ponder New Credit Protection Laws

Legislators in Washington, D.C. are considering several credit-related consumer protections as outlined in The Fair and Accurate Credit Transaction Act of 2003 (H.R. 2622). If approved, consumers could benefit from the most wide-ranging changes to the rules covering consumers and credit in decades.

Credit Repair Scams

“Erase Bad Debt !”
“Remove Negative Items From Your Report”

Convenience Can Be Costly : Understanding Cash Advances

You’ve just opened your credit card bill and attached to your statement you find a “convenience check” included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this “instant” money. A new summer wardrobe, a nice dinner and tickets to a concert, a weekend getaway.

Do Not Call Registry is Just the 1st Step

The Federal Trade Commission launched it’s much anticipated “Do Not Call Registry” on June 27th, several days earlier than the announced July 1 debut. The FTC reported that they were receiving as many as 1,000 registrations a minute at their website, www.donotcall.gov. As of Tuesday, July 1, 12.5 million telephone numbers had been logged into the registry, according to the FTC.

Consumers – Fight Back With FTC’s Do Not Call Registry

The Federal Trade Commission has rolled out it’s National Do Not Call Registry and the registration site already has over 700,000 registrants. This is great news for consumers who have grown tired of annoying sales calls by pesky telemarketers.

Identity Theft Scams Exposed Part II

“Erase Bad Debt !” “Remove Negative Items From Your Report”

Identity Theft Scams Exposed, Part I

FACT: It takes 14 months, on average, before an Identity theft victim realizes their identity has been stolen.

Consumers Can Fight Back With FTC Do Not Call Registry

The Federal Trade Commission has announced that it will roll out it’s National Do Not Call Registry beginning July 1, 2003. This is great news for consumers who have grown tired of annoying sales calls by pesky telemarketers.

Bankruptcy Basics

According to the American Bankruptcy Institute “household debt is at a record high relative to disposable income.” The Administrative Office of the U.S. Courts reported that the number of filings for the year ended March 31, 2003 “exceeded 1.6 million for the first time in any 12 month period,” a 15.1 percent increase from the previous year.

4 Steps to Creating Good Credit

As a consumer you’ve learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.

Debit Card vs. Credit Card, What Are The Differences ?

Ah, the “good old days”. If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday. You had to get there before the teller lanes closed so that you could have your “cash allowance” for the week. Otherwise, if you needed cash you had to write a check, then go to the bank, and “cash” the check for real cash.