Do you know what a Credit Privacy Number is? And What Its NOT!

What A CPN Is

A credit privacy number or CPN is a number that was originally used by people working for the senate to keep their social security numbers private.  Its also been used by celebrities and even people in witness protection for this same reason.  

What it is NOT

Recently there have been a lot of people SELLING people with bad credit the OPPORTUNITY to improve their credit by using a CPN. A CPN CAN NOT improve your personal credit. Its a separate number that you use to obtain credit. And while its advisable that you use a lawyer to obtain your own CPN (if you need one), they are FREE! You just need to write to the Social Security Administration to get one.

Illegal

Some CPN numbers being sold are obtained illegally. By purchasing them, you maybe be opening yourself up to fraud charges.

To read more about CPNs please read my article: CPN numbers CAN NOT Erase Bad Credit

Poor Credit? How To Get Approved For Bad Credit Credit Cards

If you have bad credit, you know just how hard it can be to get approved building credit for a credit card. To make matters worse, with each turn down you are lowering your credit score and making your credit worse! That’s when you should look for sub prime credit cards that cater to people with less than perfect credit.

Watch this video for more information:

Tips for Acquiring Bad Credit Car Loan

Are you ready to apply for a bad credit car loan? Many people are in need of a car loan but may hesitate to apply because of their bad credit. If you can wait until your personal credit improves before acquiring a loan, then you will certainly be in a much better position to negotiate.

More info: Tips for Acquiring Bad Credit Car Loan

Little-Known Tips to Help Improve Your Credit Score

In an effort to help anyone improve their credit score, we are going to present several tips that will almost guarantee that your credit rating will improve.

Raising Your Credit Score – Simple Tips

1. You need to order copies of your credit report today. This will give you the opportunity to discover why you are having credit issues, which may actually be because of poor management of your finances. 
2. Always dispute credit report errors. A single blemish on your credit record can adversely affect your existing bad credit standing even more, causing you to be rejected by potential lenders.
3. Existing credit obligations must be managed appropriately. To fully achieve bad credit repair, you need to become more responsible toward your financial obligations that you currently have.
4. Get a new credit account if possible. If you have outstanding debts, and you are living paycheck to paycheck, applying for a new credit account might be in your best interest.
5. Get bad credit repair help as soon as possible. It is always recommended that you get professional assistance from credit counseling agencies that can help you repair your credit, especially if you are not confident that you can do this on your own.

Original Source:  Little-Known Tips to Help Improve Your Credit Score

How to Build Your Personal Emergency Fund

Do you have a personal emergency fund? Many consumers don't have one which is unfortunate because when the recent recession hit, many families were seriously stricken by the unexpected turn of events. Many workers have become unemployed and even those who are in high-paying positions have been let go by the companies they work for.

Hence, it is always smart to build a fund for emergencies. Even if you have a small salary, you should still set aside a portion for your personal savings.

Let's take a look at how you can build an emergency fund even if you live from paycheck to paycheck.

How to Build Your Personal Emergency Fund from Bad Credit Resources