Credit

May we present the POPTUB Ratings Report for the week of October 6-12, 2008. Every Sunday night, we identify the twenty most-viewed videos of the week on YouTube, as measured by YouTube for the preceding seven-day period. We then measure the viewer interaction inspired by those videos, and give additional credit to the videos that drive the most comments and responses in fact, we multiply the number of comments and responses by five and add them to the number of total views. The final step is to sort these scores and bring you the top ten rated videos of the week. Without further ado: 10. FRED ThrowDown #2 – Homie G Pic (Fred) www.youtube.com 9. Sean Siler – Interview and Outtakes – I’m a PC (WindowsVideos) www.youtube.com 8. Pharrell Williams – Exclusive Video – I’m a PC (WindowsVideos) www.youtube.com 7. Kanye West – Love Lockdown [Official Music Video] Exclusive 2008 (YouReallyLikeIt) www.youtube.com 6. The McCain-Obama Post-Debate “Handshake” www.youtube.com 5. John McCain’s Rage is a National Security Concern (bravenewpac) www.youtube.com 4. FRED WANTS TO BE A STAR!!!!! (Fred) www.youtube.com 3. The McCain-Palin Mob (bloggerinterrupted) www.youtube.com 2. Fred Runs for President! (Fred) www.youtube.com 1. QUARANTINE – In Theaters Now www.youtube.com POPTUB: The cream of YouTube’s crop, the apple of YouTube’s eye, the sunshine of YouTube’s life.

http://www.youtube.com/watch?v=2KCj896qQAs&hl=en

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With English subs. No credit mine. Enjoy!

http://www.youtube.com/watch?v=9OsBCWNJMQM&hl=en

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Do you fully-understand the ramifications of the financial issue that is happening today in America? Credit card debt is one of the largest problematic issues in the country today for many millions of her citizens. There is a way out for most of these individuals that are suffering with extensive credit card issues and we are about to dispense that information right here and right now. Be prepared for an eye-opening and jaw-dropping experience as this is exactly what you are searching for especially with that stack of credit card bills staring you right in the kisser daily.

World Leader in Economic Indicating

The United States of America has long been known as the global economy and rightfully so. It has only been in the recent few decades that America has seen its grip on the world’s economical point position threatened and threatened mightily. With that said, the economy of the United States is suffering through one of its worst recessions in recent history and it needs a grassroots effort to regain both its composure and statue as a world leading economic indicator.

Good Timing

For millions of Americans this could not come at a better time with their bank accounts being drained and their accounts payable increasing sometimes on a daily level. If you consider yourself one of the many millions of Americans that are suffering through a high credit and debt scenario then as promised we have a method for you to get out from under those stacks of charge card bills. That method is referred to as debt relief or debt consolidation for lack of a better term phrase.

Pig in a Poke

It matters not what you refer to this method as long as it gets you out of debt and all of your debtors are happy as pigs in a poke. The availability and the probability of credit card debt relief have been exponentially raised through the power of the Internet. No longer is it just a method for having a good time and researching a few links and other such topics of pleasure and concern. Presently the Internet is the number one source for most of the information that the millions of Americans who are currently in deep credit card debt go to for answers and relief questions. The Internet is where you will find most of the debt relief firms if not all of the ones that will assist you in escaping the credit card debt prison.

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A credit score otherwise known as the FICO score is one of the most important basic numbers in your financial life. This short guide to the credit score chart was designed to give you an overall bird’s eye view of what is contained within that three digit number. That 3 digit number is a numerical expression that is the total statistical analysis and breakdown of an individual’s credit files. The FICO credit score is used to represent the credit worthiness of a single person in the world of accounts payable.

Experian TransUnion Equifax

Your credit score is fully-based on the credit report information that it typically found in one of the big three major credit bureaus. The big three that we are referring to are of course: Experian, TransUnion and Equifax. It is important for you to bear in mind that income is not considered by these major credit bureaus when calculating a credit score.

FICO Score

The FICO score is the standard credit score scale which was developed a long time ago and is the acronym for Fair Isaac Corporation. Fair Isaac is a mathematical brain trust that developed the score in an effort to streamline the process of determining credit worthiness in a single glance. We are not here to discuss the fairness of the FICO score only to lay out the details of what the score actually represents. The FICO score classifies an individual’s credit risk using a score of between 300 and 850. According to FICO, the average credit score for Americans is about 720 and this is a very good score indeed.

Free Credit Report

Many individuals use some sort of guide to help them understand and better prepare themselves for improving that all-important FICO score. You now have your own cheat sheet into which you can start looking at your credit report through one of the many free credit report sites that are online today. We do hope this straightened out any questions, albeit a general round of questions, that you may have had on the importance of your FICO score.

Grab a Copy of Your Free Credit Report

Your goal now is to grab a copy of your free credit report and by hook or by crook have that score contained within its pages. A great method for looking at the overall industry that means so much to so many people of the world today is the FICO score. You will be able to understand your FICO score better and do not be afraid of that or ashamed of it as if we told you how many people have a near 300 FICO score and even if yours is at for 472 would that make you feel better?

More Credit Report Resources

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1. Paying your credit card late: Besides getting fees added to your card balance, you credit rating gets hurt and you will not know what the credit rating really is on your card.  You also open yourself to higher interest rates in the future.  The best way to handle your card payments is electronically with your bank bill pay system and to pay a week early.  If all of this is a problem, get a pre-paid card to use regularly and your credit card only in emergencies.

2. Giving importance to the reward program: It is fine to get rewards for every dollar you spend on your card but do not consider the reward to be a major reason to get that card because they will cost you.  These rewards are given out for a reason and that usually is in the best interests of the bank, not you.  Just be careful and make sure you are getting more than you are paying.

3. Collecting credit cards: Keeping track of what you spend on is a big problem if you have many cards that you are juggling.  Collecting cards is almost always a bad idea because it will hurt your credit score and you may not get a loan that you really need just because you had this box full of useless cards.  Keep two or three at the maximum.

4. Maxing out your cards.: Even if you have the money to pay back your card or cards, never max them out because you are running the risk of going over the credit limit, incurring a lot of high fees and damaging your credit history.  It is a good rule of thumb to never go over half your credit limit.  If you need or want a bigger limit, just give it some time with a clean record and then ask.  You should not have any trouble.

5. Not reading the small print: Read the terms and conditions always and keep up with it because the credit card companies usually give themselves the right to change anything they want at any time without warning.  Just be aware of the rules and you will do OK.

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The best of 2010, thus far. A huge amount of credit has to go to the camera operators over at ESPN, who do an amazing job shooting these games. Hope this will hold everyone over until the 2010 May Madness and Best of 2010 videos launch! Enjoy.

http://www.youtube.com/watch?v=U7BiOy4g-RI&hl=en

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This is a must-read for all those people who are amateurs in the world of credits. Including those consumers recovering after a bankruptcy, new to America, or applying for a credit card, car loan, etc.

If you do not establish your creditworthiness, you will be turned down by lenders or charged a higher rate of interest. In short, life will not be easy for you financially. Building a good credit score requires you to have a credit for at least half year with a minimum of one account updated and reported.

Here are five top ways to establish a good credit record. Let’s have a look at them.

Five Top Ways To Build A Good Credit

Way #1: Open Checking As Well As Saving Account

A good credit holder should give the impression of a financially responsible person. Although the accounts are not directly regarded as credits, the lenders certainly notice them and view them as symbols of stability. Eventually, your account transactions will reveal your responsible nature towards money matters. It shows that you have the “substance” and can save to pay. However, take care not to bounce checks or else it will have the reverse effect.

Way #2: Pay Bills On Time Always

A record of timely and regular payments is the key to a good credit. Even a single late or skipped payment can taint your credit. Here’s a hot tip to ensure you don’t miss any of your payment: arrange for the payment of your bills through automatic withdrawal system from your account. You can also prepare a list, along with their due dates. However, you should be careful with automatic system. If you don’t check your account often, you could get withdrawn and end with multiple overdraft fees posted by the bank.

Way #3: Obtain A Secured Credit Card

This is the ideal way to build good credit from scratch. How to do it? Well, simply deposit a fixed amount of cash at your lender bank. This amount becomes your credit limit. Here, the issuer has no risk because even if you default on payments, they will simply withdraw the money they owe from your deposit, thus, securing your credit limit.

It takes less time to set up a good credit with the help of a secured credit card. Such a card is reported just like a regular one. Once you make timely payments for 12 months with your secured card, you can try for an unsecured credit card. However, stay away from secured cards that demand processing or application fees.

Way #4: Obtain A Student Credit Card While In College

This is a superb way to build good credit. Student credit cards come with flexible eligibility criteria. Even if you don’t have a credit record, you can easily get an approval. However, you must be enrolled for a four-year university course. Once you establish a good credit record in school, you will enjoy an easy road ahead in terms of getting credit. At present, an average student in America leaves college with a burden of around $2,000 as credit card debt and a possession of four credit cards. Do not follow the footsteps of such students. Limit yourself to a single card and pay the full balance every month, if you wish to have a good credit.

Way #5: Never Open Several Accounts At A Time

A good credit cannot be build overnight. Begin with small steps. One or two accounts are okay. Use them thoughtfully for a year. Then apply for more, if needed. Too many accounts in too less time can damage your good credit.

Follow these ways and flaunt a good credit with a few years!

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Credit cards are important today in our daily lives. We may need cards to pay our bills or help us through tough financial times. This is very common in daily lives. But sometimes we are denied this facility because of our past credit. It is difficult to get credit cards for those that already have bad credit. However, today the competition in the card market has completely changed this scenario. Today there are Credit cards for poor credit available for those that would really require such help in times of emergencies. There are many banks that are offering such facilities.

The easiest and the fastest are the credit cards that are available online. These companies would make money with the more cards are issued. Hence the verification process is very quick. If you are looking for a quick card then this is where you should head to. The entire processes are completed electronically and you can have your card delivered to your doorstep by the end of the day. There are some queries that are asked about your details especially if you have a bad credit. It is best to answer then honestly if you want your card to be delivered to you quickly.

Poor credit personal loans have helped millions across the world today. You might be wondering how the banks make money if the they give out loans at this rate. This is through the interest charged towards these types of cards. Your credit history will influence the rate of interest that is charged on your next credit card. However, paying is little extra is better than not getting any money at all. Therefore if you want to make sure that you achieve financial stability in your life then this is path that you should take.

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Bad credit unsecured credit cards can help rebuild the creditworthiness of people with bad credit, charge-offs, and arrears. Your chance of getting an unsecured credit card depends on your credit rating, earning potential and financial stability. Sometimes these are offered to people with a poor credit history. All major credit card companies, such as MasterCard and Visa, provide bad credit unsecured credit cards.

A person with bad credit has to make a small deposit, which serves as a security to the lenders if you fail to make payments. Depending on the unsecured credit card providers, the deposit amount may vary. Bad credit unsecured credit cards are issued on the basis of minimum requirements. When bad credit unsecured credit cards are approved, the borrowers are not allowed a credit line exceeding the amount deposited. The main advantage of bad credit unsecured cards is that one can easily withdraw cash in times of financial crises.

The APR (Annual Percentage Rate), card fees, account set-up fees, and programs fees for these credit cards are relatively high. Bad credit unsecured credit cards have a credit limit ranging from $250 to $500. If the borrowers make regular payments, the lender gradually increases the credit limit.

Most of the lenders provide flexible payment plans and free services. However, you have to guard against scams which occur through fraudulent emails, letters, and phone calls. Therefore, utmost care and proper research must be undertaken to select a bad credit unsecured credit card provider. You have to be cautious about some lenders who charge high fees in the form of yearly rates and additional hidden charges.

Most of the credit card companies now render online applications and instant approvals. So the Internet is considered the best source to find bad credit unsecured cards.

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Knowing your credit score is of utmost importance when it comes to getting a loan or job in the future. This enables you to know where you stand in terms of future credit and job possibilities. Also, this will enable you to anticipate how much money you need to shell out once you borrow some money. The great thing is, getting a credit report can be done for free.

For you to be able to get a free credit report, you need to visit a reputable website. Signing up on the website is the easiest way for you to get your own free report. Although in some cases, this report does not tell you your actual score, it can help you correct errors from your report and be on the lookout for budding problems, like identity theft for example.

Once you have a copy of your free credit report, the next thing you should do is to make sure that all information stated there is correct. Double check all the data, especially typographical errors, and have them corrected if misleading or erroneous, since these can invalidate the report. You can do so by contacting the agency that gave you the report and letting the agency know your concerns.

Companies giving out free credit reports will provide a record containing all your credit inquiries in the past six months. This is required by law, and it allows you to know about those who are getting your personal and financial information. You should also be getting a list of people or companies who have copies of your credit report. Some of your employers might have requested a copy in the last two years, so you will be able to know who these people are when you have go through your report. Make sure that you are familiar with all the people requesting for your credit report; otherwise, if any of the names is unfamiliar, it is time to raise your suspicions and ask about that particular inquiry from your credit company.

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