Step 1 – Review Your Credit Reports For Errors
Errors on your credit report can drag down your credit score by a considerable amount. Get a free copy of your credit report from each of the three major credit bureaus at www.annualcreditreport.com and review them for incorrect information and accounts that you did not open. Report any errors to the credit bureau that issued the report to start the process of removing the incorrect information.
Step 2 – Bring Any Past Due Accounts Current
If you have any accounts that are past due, but not yet in collections, your next focus should be bringing these accounts current. Even though the negative information about the account becoming past due will remain on your credit report, bringing the account current will stop negative entries on your credit report and the positive account information will eventually outweigh the negative information.
Step 3 – Pay Down Your Credit Card Balances
Having a high balance on a credit card can also be a drag on your credit score. Pay down all of your credit card accounts to less than 50% of your total available balance to see an almost immediate increase in your credit score. The highest credit scores are reserved for those who use less than 30% of the credit that they have available.
Step 4 – Open New Credit Accounts In Other Categories
If your credit score is low due to a credit history that is minimal, you should apply for credit in different categories, such as a car loan, a personal loan, or a purchase that requires fixed payments to a lender that reports credit information to the credit bureaus. Be sure to only accept credit that you can afford to repay or negative information about the account will bring your credit score back down.
Many banks are advertising free checking accounts at their facilities to increase interest in their accounts among the general public. Because many adults need checking accounts for depositing paychecks and paying bills, these free accounts have become very popular with thousands of new customers being signed up for the accounts each year. Most of these people expect that their accounts will be completely free for as long as they use the account, but there are often some terms and conditions associated with the account that could end up costing you in the long run. Here are some things that every account holder should know about free checking accounts.
Many Free Checking Accounts Are Not Truly Free
According to the federal Truth in Savings Act, a free checking account is one that has no minimum balance requirement and no maintenance or activity fees associated with them. This is not the case for many advertised free checking accounts. For many consumers, the account is only free if you have a certain amount of money direct deposited into the account each month or you make a certain number of transactions with the debit card connected to the account.
In my case, a free checking account that I signed up for was only free if I had more than $500 going into the account each month via direct deposit or if I made at least five signature-based transactions with my debit card that month. If I failed to do either, my account was automatically assessed a $6 maintenance fee at the end of the month. It is important to review the terms and conditions of a free checking account completely to learn whether any fees will be affecting the account and what actions will trigger the fees.
Many Other Costs Are Associated With Free Checking Accounts
Free checking accounts can also cost you a great deal of money in other expenses. You must still pay for checks for the account, which can be pretty expensive if you order the checks through the bank, so consider going to Bradford Exchange for cheap checks at unbeatable prices. You may also be charged for nonsufficient funds to cover a transaction, stopping payment on a check, or closing an account early. You make also be charged for making a debit purchase at a store and using your PIN number for the transaction. Review your copy of the bank’s fee schedule to ensure that you know what you will be paying for if you choose that particular account.
Nordstrom is great luxury department store it carries items that many fashion conscious men and women covet. In essence getting Nordstrom coupons is like robbing a bank and then saving the money at the same bank. They stock items from reputable designers and design labels that are to die for. They include Jimmy Choo, Chanel, Prada, Eileen Fisher, David Yurman and Top shop among others. They have great sales the half yearly and anniversary sales grant you a huge percentage off great items.
5 ways to shop smart at Nordstrom
• Sign up for a Nordstrom card
For each purchase you make using your card you earn two points per dollar. It doesn’t matter what the items net worth is you will earn 2 points for a dollar. In future you can use this money to purchase other items. Be on the lookout for special days when you can earn more points per dollar. This means you accumulate more points faster.
• Sign up for their emails, newsletters and like or follow them on social media
This updates you on specials days, clearance sales and Nordstrom coupon codes you also get invitation to look and purchase for items before other customers. This invites allow you to use your Nordstrom discount codes. Imagine being able to purchase a Chanel handbag at a discount and before other customers. This updates help you maximize on all the discount opportunities available saving you a lot of money. Like and follow them on social media networks they post or tweet about their special days, giveaways and other promotion materials.
• Earn money on Nordstrom
Frugal people know how to capitalize on opportunities thus making them earn money. Saving money is not the only way you can benefit from Nordstrom you can also make money. If you get another person to open a credit or debit account with them you earn some Nordstrom notes. Apart from that you can participate in their various competitions i.e. writing reviews on some of their product.
• Get free online coupons
It is wise to shop through affiliate sites that offer a percentage back from your purchase if you get coupons from them. Nordstrom coupons allow you to purchase high quality items from their stores. Designer shoes, clothes, handbags and fragrance. Use the coupon code as you sign out to ensure you cut the costs even more.
• Ensure you shop in special days
They have several of those among them; Signup specials where you earn $20 worth of Nordstrom money if you get a friend to sign up for their credit or debit cards. You can shop during double or triple point days. This will earn yor points faster for less purchase than usual. Shop during clearance time you can get great items at a greatly reduced price. The great thing about Nordstrom sales is they are posted in advance and they happen almost the same time each year. They have half-yearly sales and anniversary sales where you can buy a number of items at a discount. If you have a Nordstrom Coupon you can buy a great item like a coat or boots at a fraction of its retail price. This saves you a tidy sum of money.
Be smart and sign up for Nordstrom coupon code to find the available ones and be notified when new Nordstrom coupons become available. Apart from in fashion and stylish outfits and accessories for all people, they also have great house wares like bed and bath. You can also get bridal gowns, home décor items and gift vouchers are also available. You can save up to 60% on various great items.