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What You Need to Know About Getting a Mortgage with Bad Credit

There’s a common misconception that in order to buy a home, you have to put 20 percent as down payment and have an excellent credit history to boot. Actually, nothing can be further from the truth. This is because what is bad credit to a consumer might be good for a mortgage company. In terms of numbers, just a credit score of 620 might be good enough while score that is above this cutoff figure should be more than enough. Usually,...

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Tips on Getting a Merchant Account for High Risk Businesses

This article was written by Charge.com Payment Solutions, Inc. High risk credit card processing comes with many challenges. You’re a high risk company if you run a business on the internet. You’re also considered a high risk business if you have bad credit or prior bankruptcies. The problem with being a high risk company is that many banks and merchant account providers won’t work with you. If you are magically approved for a high risk...

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3 Ways to Stay on Top with your Credit Scores

Improving your credit score is a financial goal that is just as important as saving money, looking for new investments as well as paying off debts. This is for the simple reason that your credit score is an indicator of your financial stability, and it really gives an edge in a number of aspects whether it’s a new job or if you want to buy a new home or car. That said, here are 3 ways by which you can stay on top with your credit scores:...

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Three Common Pitfalls of Establishing a Payment Gateway

Realizing that your business needs to accept credit cards is only the first step in the process. The tougher decisions are the ones that follow, such as deciding on a merchant bank to work with and determining whether you need wireless credit card processing, standard terminals or virtual machines. With so many decisions to make, it’s easy for you to make a mistake that can cost your business money or lock you into a long-term contract...

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How Premium Credit Cards Impact Business Owners

Many small businesses don’t realize that the type of credit card that a customer uses can have an impact on how much their business will have to pay in credit card processing fees. The reason for this is because the interchange rate that credit card companies such as Visa and MasterCard charge businesses for each transaction fluctuates depending on if the card is a “premium” card that offers extra credit card services to users such as...

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3 Smart Money Moves to Make Before You Breathe Your Last

It’s not uncommon that families have to deal with the unsavory news of one of their loved ones dying. While it’s a situation where sympathy is truly warranted for, there arises the necessity for one to take care of their finances in the short while that they do have left with their loved ones. Since each every situation is unique, it would be difficult to prepare a comprehensive list of financial aspects to take care of. That...

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Four Things to Look for in a Credit Card Processor

Discover four of the most important things to look for when selecting a credit card processor for your business. Choosing the right company to work with can save you money and hassles down the road. In today’s business market, small businesses need every advantage they can get to compete with larger companies. Being a smaller business has typically meant not being able to take advantage of volume discounts afforded to larger rivals. Until...

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