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James H. Dimmitt Profile and Articles
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1). 10 Simple Steps To Avoid Phony Telemarketers
Although telemarketing calls should diminish, especially if you’ve registered for the national do-not-call list, scam artists are still ou
2). 4 Steps to Establishing 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 ho
3). 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 registra
4). Be Cautious When Using Your Nest Egg as an ATM
About five years ago I moved from the ranks of being a renter to that of being a homeowner. Now, not a week goes by that I don’t receive some type of offer through the mail encouraging me to refinance my mortgage, open a home equity line of credit (HELOC), or apply for a home equity loan.
Payoff High Interest Credit Card Debt! Lower Yo...
5). Avoiding Credit Card Traps
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folded paper written in legalese that you promise to read some other time (but of course that time never comes) or you just discard it with the other “junk” i...
6). Credit Repair Scams
“Erase Bad Debt !”
“Remove Negative Items From Your Credit Report”
You’ve probably seen these headlines and others just like it promising to clean up or “fix” bad credit. For someone who suffers from a bad or poor credit rating, these headlines are certainly an appealing offer.
Imagine finally being able to buy that ...
7). The Simple $10 Debt Elimination Solution
Ask a friend what resolutions they made for the new year 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.
The obvious first step to paying off credit card debt or paying down credit debt load is to cut back or eliminate the u...
8). 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.
Joe on the other hand is a renter, who wants to buy his first home in the near future. He pays his...
9). Programs To Help You Fund Your American Dream
The American Dream of home ownership is on the rise across the United States. According to the latest figures available, the US homeownership rate reached a record 69.2 percent in the second quarter of 2004, up from 68.3 percent in 2003. And for the first time, the majority of minority Americans own their own homes.
Owning a home provi...
10). How Healthy Is Your Credit?
There’s only one way to discover the “health” of your credit. You need to examine your credit report. Your credit report is your “consumer identity” that potential lenders will use to judge your credit worthiness.
Use these tips to give your credit profile the “tune-up” it needs:
Tip #1- Check for Errors
Your credit...
11). Make Your Complaint Heard & 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 bot
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