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Articles by Jacobey Larstons

• Horizon Gold Credit Card Review
  The Horizon Gold Credit Card is marketed to consumers with a bad credit rating. This card sounds like a dream but according to customers it quickly turns into a nightmare. The Horizon Gold Card is not issued as a Visa or MasterCard and instead works very similar to a department store credit card.
  Published 25May2012, viewed 32 times

• Capital One Buys Orchard Bank and HSBC Credit Cards - Orchard Bank Future In Doubt
  In recent news Capital One Bank purchased the Orchard Bank Credit Card and all of the US credit cards issued by HSBC bank. The details and exact amounts of this purchase are currently unclear but we are confident that Capital One paid a hefty price.
  Published 24May2012, viewed 22 times

• Credit Cards To Build Credit - What Your Card Must Offer
  If you're looking for a credit card to build some positive listings on your credit report then you must use caution and fully research the card offer, to ensure that it will provide you with what you are really looking for. Many credit cards that are designed for individuals with a less-than-perfect credit history will masquerade themselves as cards that can fix your credit.
  Published 16May2012, viewed 28 times

• Walmart Money Card - Review
  The Walmart money card is a reloadable prepaid debit card. It is issued by GE Capital Retail Bank a member of the FDIC. This card is issued as both a Visa and a MasterCard, it is available at all Walmart retail locations and online.
  Published 26May2012, viewed 44 times

• Credit Lawyers Specializing In Financial Law
  Credit lawyers provide help and advice to people in financial difficulty. They specialize in financial law, and can advise you of your legal rights when dealing with problems like repayment harassment. Their services and prices differ between firms, so it's important to ensure you choose the right credit lawyer for your needs.
  Published 10Apr2012, viewed 96 times

• Midland Credit Management - Debt Collection Agency
  Midland Credit Management is a debt collection agency with offices in Phoenix, Minnesota and San Francisco. They are part of Encoure Capital, and a quick internet search on them will return hundreds of unhappy reviews.
  Published 07Apr2012, viewed 41 times

• Orchard Bank Credit Card
  Orchard Bank credit cards are issued by one the largest banks in the world, HSBC. They are specifically targeted at people with a low to fair credit score, and can help improve your rating if used responsibly.
  Published 05Apr2012, viewed 69 times

• Improve My Credit Score
  Having a bad credit score negatively affects many areas of your life. It could prevent you from being approved for credit cards, vehicle leases and even mortgages.
  Published 05Apr2012, viewed 45 times

• Ready Debit Prepaid Card - Review
  The Ready Debit Card is a prepaid debit card also commonly called a reloadable card. This is because it is unlike a traditional credit card with monthly payments and interest rate.
  Published 05Apr2012, viewed 54 times

• Cavalry Portfolio Services LLC - Beware Your Rights
  Cavalry Portfolio Services LLC is a collection agency. They are what is commonly referred to in the industry as 'junk debt' buyers. This means the majority of the accounts they collect on are old non collectible debts that Cavalry has purchased from another collection agency.
  Published 04Apr2012, viewed 64 times

• NCO Financial Systems - Collection Agency
  NCO Financial Systems is a collection agency located in Horsham, Pennsylvania. They are one of the largest debt collectors in the industry. They will collect on debts with companies such as the Citi bank credit card, and they also will purchase debt accounts outright from lenders and collect on those debts.
  Published 01Apr2012, viewed 67 times

• Disputing Your Credit Report And Removing Negative Information
  Experts estimate that 25% of all credit reports contains a blatant error. In other words 1 in every 4 people have a mistake on their credit history. This mistake could be costing you real money and higher interest rates, down payments, and potentially rejection for financing.
  Published 29Mar2012, viewed 31 times

• Lvnv Funding Collection Agency Is Harassing Me About a Debt & Giving Me Bad Credit
  If you have Lvnv Funding on your credit report or are getting phone calls and written letters from them they are trying to collect a debt. You may have gotten legal papers from them about a lawsuit, they have been known to seek a judgment against individuals.
  Published 29Mar2012, viewed 73 times

• Western Union Moneywise Prepaid Debit Card
  The newest types of Visa and MasterCards are called prepaid debit cards. You have seen celebrities endorse these, from hip hop start to the well known Suze Orman.These cards are issued as a Visa or MasterCard however they are not a traditional credit card. The difference is with a prepaid card you must first deposit money on your account before you can use your card for purchases.
  Published 28Mar2012, viewed 58 times

• Credit Repair Services - How They Will Work To Correct Your Credit Report
  A credit repair service is a company that will handle the dispute process and attempt to remove bad credit on your behalf. Additionally they can help with debt validation, debt negotiation, court intervention, goodwill intervention, and escalated dispute requests. You should also ensure that whoever you hire has attorneys on staff should your case need legal representation.
  Published 26Mar2012, viewed 40 times

• Prepaid Cards - Is This The Right Choice For You?
  A prepaid card is the right choice for you if you are currently paying for money orders or having to pay fees to get your paycheck cashed. These cards were created in response to the credit crisis which eliminated unsecured credit cards for individuals with bad credit from the market.
  Published 23Mar2012, viewed 62 times

• Charge Off And The Trail Of Bad Credit
  Many people believe some individuals get bad credit by having multiple accounts and making multiple mistakes. However this is incorrect you can have one account, use it irresponsibly and this one debt can turn into multiple negative items on your credit report and tank your FICO score.
  Published 22Mar2012, viewed 58 times

• Collection On My Credit Report-How You Can Remove This Listing
  A collection on your credit report is a very serious mark and will cause your FICO score to drop. You can get a collection for an unpaid medical bill, credit card, personal loan… If you have a collection on your credit you should follow the following steps to challenge and remove this item.
  Published 22Mar2012, viewed 70 times

• What Is A Prepaid Credit Card?
  A prepaid card is just like a debit bank card, when you make purchases your withdrawing from funds you have already deposited on your account. However for individuals that do not have access to a major Visa or MasterCard these offers are ideal because they do not require a credit check.
  Published 20Mar2012, viewed 91 times

• Judgment On My Credit Report
  If you have a judgment on your credit report you need to pay this item immediate attention. Depending on what state you live in a judgment could cause your wages to be garnished, liens placed against your home or property, and will ruin your credit rating. A judgment is awarded against you if a lender or debt collector files a civil lawsuit.
  Published 21Mar2012, viewed 81 times

• Prepaid Cards - How These Are Used
  A prepaid card is also called a debit card. It will require you to first make an initial deposit before you are able to use your card for purchases. These offers are ideal for individuals with a less-than-perfect credit history and for those without a checking account. It is very similar to a check card, it will be issued as a major Visa or MasterCard.
  Published 19Mar2012, viewed 40 times

• How To Repair My Credit Report
  If you're looking to repair your credit history then you must have some past financial mistakes, you are not alone. In fact the average credit score is a 620 which in our new lending spectrum is considered bad credit. A credit score of below 700 will cause applicants to have to pay higher interest rates, large down payments, or even get denied for financing.
  Published 19Mar2012, viewed 41 times

• Fixing A Bad Credit Report
  There are a few easy steps to follow to fix and correct a bad credit report. Contrary to popular opinion you don't have to just live with bad credit even if the item is correct, for 7 long years.
  Published 19Mar2012, viewed 56 times

• How To Clean Up Your Credit Report
  If you have a few dings on your credit report is important to clean it up. In today's new lending environment your credit score typically needs to be 700 or higher to be approved. Lenders have drastically changed their approval requirements and your credit file deserves your full attention.
  Published 18Mar2012, viewed 33 times

• Easiest Way To Improve Your Credit Score
  While it is certainly common sense that paying your current bills on time will help to improve your credit, there is a much more effective and efficient way to raise your FICO score. The facts are the best way to fix a damaged credit score is to remove the negative items that are bringing this score down.
  Published 01Feb2012, viewed 89 times

• Lexington Law Firm Review - A Nationwide Credit Repair Law Firm
  Lexington Law firm is comprised of a group of credit lawyers and paralegals that will work on your behalf to remove negative items from your credit report. They are going to work under the Fair Credit Reporting Act, which is a law that was passed by Congress that provides you with the right to dispute any item you feel is inaccurate.
  Published 30Jan2012, viewed 101 times

• Debit Bank Cards In Our New Financial Atmosphere
  Prepaid debit cards have emerged as a result of the mortgage collapse, banking crisis, and all the recent economic upheaval. In the early days of the mortgage crisis we saw many bad credit card offers withdrawn by the banks.
  Published 24Jan2012, viewed 180 times

• Credit Cards For No Credit
  If you're looking for credit card and you have no credit or a bad credit history, you are likely going to get a prepaid card or a secured card. There is no credit check and you are guaranteed approval for these offers. With all the trouble in the financial industry and what our media has dubbed the great recession credit cards for people without credit has changed!
  Published 09Jan2012, viewed 85 times

• Bank Freedom Card
  The Bank Freedom Prepaid Mastercard gives you guaranteed approval. You will have access to free direct deposit. Find out the details on the fees and conditions of this offer.
  Published 05Jan2012, viewed 147 times

• Prepaid Money Card By Walmart
  The prepaid money card issued by Walmart is available as a Visa or MasterCard. There is no credit check and it will work just like a bad credit checking account. You can use free deposit and avoid costly check-cashing fees. This card will be accepted online and over the phone. You can use it to rent a car and buy gas at the pump.
  Published 05Jan2012, viewed 132 times

• Secured Credit Card Offers - How To Navigate This Jungle And Find The Best Offer
  Secured credit card offers have sky rocketed in popularity over the past five years. As many banks have revamped and require higher approval requirements, many people are looking for another option and one that can create some positive marks on your credit history.
  Published 02Jan2012, viewed 140 times

• Charge Off - How You Can Fight And Fix This
  A charge off on your credit report is a very negative item and will significantly lower your overall FICO score. You can however remove this item from your credit history through creditor negotiations and bureau disputes.
  Published 31Dec2011, viewed 146 times

• The Orchard Bank Credit Card Offer - How The Process Works And The Lowdown
  The Orchard Bank credit card is issued by HSBC Bank, a huge international bank. Due to the size and resources of this bank they will provide you with a unique application process, in which you will be able to ensure you get the best offer that you qualify for.
  Published 26Dec2011, viewed 262 times

• Bad Credit Visa Card - How This Industry Has Dramatically Changed And What Your Choices Are
  The first thing you need to know when searching for a bad credit Visa card is that this marketplace has changed more in the past four years than it has in its earlier 60 years. It started with the mortgage crisis and has only recently began to see some normalcy. Another huge blow to this industry was the new credit legislation that Congress passed.
  Published 21Dec2011, viewed 102 times

• Netspend Card - A Prepaid Visa
  The prepaid Netspend Card gives you free direct deposit. There is no credit check and over 100,000 retail locations you can refill your card at. Find out exactly how the card and application process will work.
  Published 19Dec2011, viewed 240 times

• Western Union Prepaid MoneyWise Debit Card
  The MoneyWise prepaid card will be issued as a MasterCard or a Visa. This is prepaid card which means you're going to need to first load your card. You will be able to load your card by visiting any number of the 46,000 Western Union locations or you can use free direct deposit.
  Published 20Dec2011, viewed 253 times

• NCO Financial Systems - How You Can Fight Back
  If you're getting phone calls or letters from them you have some options to fight back. First if you don't want them to contact you any more about this debt then you can tell them verbally but we would encourage you to also to do so in writing and send it certified mail. This should and legally binds them to stop contacting you however not all agencies follow the law which is clear by the many FTC fines on agencies in that industry.
  Published 20Dec2011, viewed 100 times

• ChexSystems - Do Any Banks Not Check This?
  Are you searching for bank that is not going to check if you're listed in ChexSystems? There is a chance you may be able to find a bank however your options have been severely limited due to the recent economic trouble in our country. Many of the smaller banks that may not have been members and check your report have been bought out or merged with larger banks.
  Published 20Dec2011, viewed 102 times

• Baby Phat Card - A Popular Prepaid Visa Card
  The baby phat card is also called the rush card and is created by Russell Simmons the cofounder of death jam record label. He also created a very popular clothing line and has now put his hand in the financial industry with this prepaid offer.
  Published 19Dec2011, viewed 143 times

• Checking Account With No Credit Check - Where You Can Find These
  Do you need a bank account that is not going to check your credit? If you are in this situation then you have likely been listed in chexsystems, this listing is going to prevent you from getting an account for five years. However you do have some alternatives.
  Published 18Dec2011, viewed 85 times

• Raise Your Credit Score - The Information Used To Calculate Your Rating And How To Improve It
  When you are working to raise your credit score you need to be aware of how it is calculated, What items are factored in, and how much each item will contribute to your overall score. Your payment history will account for approximately 50% of your overall score and this is the one area that you have the most direct control over.
  Published 18Dec2011, viewed 65 times

• How Do Secured Credit Cards Work?
  A secured credit card is going to work very similar to a traditional or unsecured offer. You're going to have to pay in APR% interest rate and you'll be responsible for making monthly payments. The big difference between these cards and unsecured is that you must first make a deposit with the issuing bank to get this card. You will decide how big of a deposit, you can choose between $200 - $5000.
  Published 19Dec2011, viewed 115 times

• Debit Cards and What The Best One Will Offer You
  Debit cards are issued as a Visa or a MasterCard. It is pre-paid which means you are going to first have to load money on your card before it can be used to make purchases. This is a real card and will be accepted over the phone and online.
  Published 17Dec2011, viewed 45 times

• Mango Money Card - Prepaid MasterCard Review
  The prepaid Mango money card is a debit MasterCard. It is issued through Horizon Bank who is a member of the FDIC. It is not only insured by the FDIC but you are also covered under MasterCard's liability policy, this protects your money in case your card is ever lost or stolen.
  Published 17Dec2011, viewed 206 times

• What Is ChexSystems? The Lowdown About ChexSystems and How It Works
  What is ChexSystems? How did I get in it and what can I do to fight it? Find out how this works and how the banks use it to decide if you get a checking account or not.
  Published 17Dec2011, viewed 131 times

• Achieve Prepaid MasterCard - How This Card Is Going To Operate
  The Achieve Mastercard is a prepaid debit card that will work just like a bad credit checking account. It will give you direct deposit for free and you get free online bill pay, these two features will help you to avoid costly check-cashing fees and buying money orders.
  Published 16Dec2011, viewed 203 times

• Prepaid Reloadable Credit Cards - What Are They?
  There is a new type of credit card for bad credit but is emerged onto the market and is increasingly gaining popularity. These cards are known as reloadable, prepaid, debit, bank, money, and cash cards. They are issued as a Visa or MasterCard and can be used all over the world and the online and even over the phone. this card will be accepted everywhere you see the logo displayed.
  Published 17Dec2011, viewed 134 times

• The Nfinanse Prepaid Card by Discover
  Prepaid cards have been increasing in popularity as a good option for those who are bank averse or have a hard time qualifying for a standard checking account. One option is the nFinanSe card offered by Discover. It has a retail prices at $3.00. There is no credit check or security deposit. You will not be charged overdraft fees due to the fact that you are only allowed to spend the amount of money in the account, nothing more.
  Published 16Dec2011, viewed 269 times

• What Is a Debit Card?
  Debit cards are just like a checking account. There is no credit check and your card will come as Visa or MasterCard.
  Published 12Dec2011, viewed 80 times

• When to Consider Hiring a Credit Attorney
  When do you need a credit attorney? Learn what they will do on your behalf and how they can work to clean up your credit reports.
  Published 10Dec2011, viewed 82 times

• The Collection Process
  How the collection process works and what tactics they will use to collect. Find out what tools and laws these agencies must follow and how you can get them to stop contacting you about an account.
  Published 09Dec2011, viewed 133 times

• Improving Your Credit Rating - The Steps You Must Take
  The first piece of information and most important is your payment history, it is estimated this is about 40% of your score. This will look at the items on your credit report it will weigh the positive items and the negative items. These include; charge offs, collections, repossessions, defaulted loans …
  Published 08Dec2011, viewed 83 times

• Merrick Bank Credit Card - Have You Gotten a Mailing From Them?
  The Merrick Bank Credit Card is an unsecured offer that will give you an initial credit limit of $500. There is easy approval as it is designed for those with a less than perfect credit history. It will be issued as a Visa card through the FDIC insured Merrick Bank. It can be used to make purchases online and on the phone.
  Published 07Dec2011, viewed 505 times

• Pre Pay Credit Cards - How Do They Work?
  A pre pay credit card is actually a debit card. It will require you to first load money on your account before you can use the card for purchases. These are also commonly referred to as reloadable cards. You can purchase them at many popular retail locations.
  Published 08Dec2011, viewed 76 times

• Erase Bad Credit - How You Can Do This
  When you erase negative items on your credit report you are taking the most effective step at improving your score. This is because these marks are damaging your score and what is bringing it down. As long as they remain you will have a difficult time being approved for new accounts.
  Published 07Dec2011, viewed 76 times

• How to Fix My Credit - What Should I Do?
  How you can fix your credit and what factors combine to spit out your FICO score. Easy and effective steps you can take to raise this number and prove you worthiness to future lenders.
  Published 06Dec2011, viewed 140 times

• Credit Cleaning Services - What Are They Going To Do?
  Credit cleaning services will work to remove the negative items on your credit reports. These items include: charge offs, collections, late payments, bankruptcy, repossession, student loans …
  Published 01Dec2011, viewed 134 times

• How to Remove a Charge-Off From Your Credit Report
  When trying to remove a charge-off from your credit report you may need to first settle the debt and have the account status changed. Or you may be able to dispute the item right away with the bureaus and have it removed from your credit file which will help to improve your financial history and potentially increase your FICO score.
  Published 29Nov2011, viewed 90 times

• Prepaid Debit Cards - The Ins and Outs of How They Work
  Prepaid debit cards are just like a checking account. You will never be charged a late fee or bounced check fee but will have access and the purchasing power of major Visa or MasterCard.
  Published 29Nov2011, viewed 51 times

• Wal-Mart Money Card - Revealed How It Really Works
  The Wal-Mart Money Card has no credit check and gives you free direct deposit and online bill pay. This is a common choice and is issued as a Visa card. It will be accepted online and over the phone.
  Published 28Nov2011, viewed 70 times

• How to Fix My Credit Score
  First you need to get a copy of your credit report from each bureau. You will have three in total. Now, you need to figure out what items are negative marks. This will include; charge offs, late payments, collections, bankruptcy, repossessions. These items are bringing your score down.
  Published 27Nov2011, viewed 140 times

• Secured Credit Cards: Five Key Questions And Answers
  Secured credit cards are becoming popular tools that can help an individual with a low credit score to get their finances back on track. Here we answer the five key questions relating to these types of cards.
  Published 24Nov2011, viewed 62 times

• The Three Types of Bad Credit Credit Cards
  In today's financial climate getting approved for a credit card can be tricky even if you have an average credit score, let alone bad credit. On the flip side, these people can still benefit from the everyday uses of a credit card. There is a gap in the market, and this is where bad credit credit cards come in.
  Published 23Nov2011, viewed 71 times

• Debit Credit Cards and Other Types of Credit Cards Explained
  Debit credit cards are just one type of financial product in a crowded marketplace. With some many types of plastic available it can become extremely confusing for the customer as to which card does what, so in this article we provide an introduction to the different options available.
  Published 23Nov2011, viewed 48 times

• Are Chexsystem Checking Accounts A Good Banking Option?
  Chexsystem Checking Accounts are advertised all over the internet, and are promoted as a financial solution for individuals who are stuck in ChexSystems and unable to open a regular bank account. In this article we take a look at these products, and advise whether they are a viable solution for people in this predicament.
  Published 22Nov2011, viewed 65 times

• How Do I Repair My Credit? Facts You Need To Know
  Do you have negative items on your reports? These marks are significantly damaging your FICO score and include: charge offs, collections, repossessions, late payments …
  Published 20Nov2011, viewed 107 times

• The Lexington Law Firm Review
  The Lexington Law Firm is a group of 22 credit lawyers and 400 paralegals. They will use the dispute process to remove negative items from your credit reports.
  Published 09Nov2011, viewed 61 times

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