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A home is a constantly evolving entity, which you have to change or improve upon to meet your needs. When you first set up home as a school or college graduate, a one-room apartment in a lively city is a symbol of freedom and independence. However, you need more space with every addition in your family. When you enter a serious relationship, you may also have to move into a more spacious apartment, to accommodate your partner and visitors from your families. If you plan to have children, then you will want a home in a town with good schools and a low crime rate. As a homeowner and a parent, your responsibilities increase±ou have to not only take care of home repairs but also think of home improvements, to add value to your home and to make your family more comfortable. consolidation debt solution

While undertaking home improvement, you may have to take a loan if your income and savings are not enough to meet your needs. Before you apply for a loan, get your credit record checked by TransWorld, Equifax, or Experian, get a copy of this report, and check the information for errors. A good credit report helps when you apply for a loan, although it is not so difficult to get a loan even with a bad credit history. After all, the US government is encouraging financial institutions to offer home mortgage loans to people previously involved in bankruptcy proceedings. Although financial institutions may be a little wary of such borrowers, nowadays they do offer advice on managing finances, to avoid foreclosures. california consolidation debt

Annual Fees . Most issuers charge annual membership or participation fees. They often range from $25 to $50, sometimes up to $100; "gold" or "platinum" cards often charge up to $75 and sometimes up to several hundred dollars. consolidation debt loan uk

Transaction Fees and Other Charges. A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card. consolidation debt equity home

Balance Computation Method for the Finance Charge . If you don° have a free period, or if you expect to pay for purchases over time, it¯ important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you£l pay even if the APR and your buying patterns remain relatively constant. See page 10 for examples of how the methods can affect your costs. consolidation debt government

Examples of balance computation methods include the following. 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. While new purchases may or may not be added to the balance, depending on your plan, cash advances typically are included. The resulting daily balances are added for the billing cycle. The total is then divided by the number of days in the billing period to get the "average daily balance." consolidation debt firm

Adjusted Balance. This is usually the most advantageous method for card holders. Your balance is determined by subtracting payments or credits received during the current billing period from the balance at the end of the previous billing period. Purchases made during the billing period aren° included. consolidation debt financing

This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance. consolidation consumer credit

Previous Balance . This is the amount you owed at the end of the previous billing period. Payments, credits and new purchases during the current billing period are not included. Some creditors also exclude unpaid finance charges. consolidation debt free quote

Two-cycle Balances . Issuers sometimes use various methods to calculate your balance that make use of your last two month¯ account activity. Read your agreement carefully to find out if your issuer uses this approach and, if so, what specific two-cycle method is used. card consolidation counseling

If you don° understand how your balance is calculated, ask your card issuer. An explanation must also appear on your billing statements. Other Costs and Features Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases. However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due even if they have a grace period for purchases. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations. consolidation debt lender

You£l probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan¯ services and features. For example, you may be interested in "affinity cards" all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry. An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses. calculator consolidation debt

Special Delinquency Rates. Some cards with low rates for on-time payments apply a very high APR if you are late a certain number of times in any specified time period. These rates sometimes exceed 20 percent. Information about delinquency rates should be disclosed to you in credit card applications or in solicitations that do not require an application. best consolidation debt loan

Receiving a Credit Card Federal law prohibits issuers from sending you a card you didn° ask for. However, an 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. Cardholder Protections Federal law protects your use of credit cards. Prompt Credit for Payment. An issuer must credit your account the day payment is received. The exceptions are if the payment is not made according to the creditor¯ requirements, or the delay in crediting your account won° result in a charge. consolidation counseling

To help avoid finance charges, follow the issuer¯ mailing instructions. Payments sent to the wrong address could delay crediting your account for up to five days. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer. best consolidation debt

Refunds of Credit Balances . When you make a return or pay more than the total balance at present, you can keep the credit on your account or write your issuer for a refund if it¯ more than a dollar. A refund must be issued within seven business days of receiving your request. If a credit stays on your account for more than six months, the issuer must make a good faith effort to send you a refund. best company consolidation

Errors on Your Bill. Issuers must follow rules for promptly correcting billing errors. You£l get a statement outlining these rules when you open an account and at least once a year. In fact, many issuers include a summary of these rights on your bills. consolidation debt lending

If you find a mistake on your bill, you can dispute the charge and withhold payment on that amount while the charge is being investigated. The error might be a charge for the wrong amount, for something you didn° accept, or for an item that wasn° delivered as agreed. Of course, you still have to pay any part of the bill that¯ not in dispute, including finance and other charges. business consolidation debt

If you decide to dispute a charge: Write to the creditor at the address indicated on your statement for "billing inquiries." Include your name, address, account number, and a description of the error. Send your letter soon. It must reach the creditor within 60 days after the first bill containing the error was mailed to you. The creditor must acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved. At the latest, the dispute must be resolved within two billing cycles, but not more than 90 days. advice consolidation debt

Unauthorized Charges. If your card is used without your permission, you can be held responsible for up to $50 per card. If you report the loss before the card is used, you can° be held responsible for any unauthorized charges. If a thief uses your card before you report it missing, the most you£l owe for unauthorized charges is $50. To minimize your liability, report the loss as soon as possible. Some issuers have 24-hour toll-free telephone numbers to accept emergency information. It¯ a good idea to follow-up with a letter to the issuer include your account number, the date you noticed your card missing, and the date you reported the loss. consolidation debt interest

Disputes about Merchandise or Services. You can dispute charges for unsatisfactory goods or services. To do so, you must: have made the purchase in your home state or within 100 miles of your current billing address. The charge must be for more than $50. (These limitations don° apply if the seller also is the card issuer or if a special business relationship exists between the seller and the card issuer.) and, consolidation debt refinance