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Using a Credit Card Wisely Lets get one thing straight. Even though this article is about using credit cards wisely, credit cards still have redeeming qualities. One such quality is convenience. They come in quite handily when carrying larger sums of cash is out of the question, you are provided with a full record of your purchases, it is possible to consolidate payments with them and when checking out you need not give the cashier any form of ID as is the case ... Did you hear? Charging is Changing During the next few weeks, borrowers will start to see the effects of some significant changes in the credit industry. For people that are caught up in the mortgage mess and the real estate slow down, these changes may not seem important. For at least 60 million people, however, these changes will definitely have an impact on what they are carrying in their wallets. 1. FICO '08 IS ALMOST HERE The newest version of the Fair Isaac Corporation credit scoring formula ... Put your article here… If you have an article that you would like to have featured on My Money Thinks, submit it for our blog carnival consideration. We are accepting articles related to all areas of personal finance and we want to read what you have written. SUBMISSION DEADLINE: Saturday, August 25, 2007 Links to accepted articles will be posted on Tuesday, August 28, 2007 ALL submissions should be sent to http://blogcarnival.com/bc/cprof_2240.html We cannot wait to hear from ... What’s really in a credit report anyway? If you have ever paid ANY attention to your finances, you have heard the term credit report. Have you ever actually seen a credit report? Have you seen YOUR credit report? Do you know what information is contained in a credit report and where it comes from? What follows is an analysis of credit reports from each of the 3 main credit reporting agencies: Equifax, TransUnion, and Experian. What is a credit report? According to the Federal Trade Commission, a ...