Why you should Leave your Bank and Join a Credit Union

Why you should Leave your Bank and Join a Credit Union
by Tom Cribbs

So maybe you've had a savings account for a while or maybe you've taken out a mortgage for a house. Is your bank actually helping you, or it is doing more harm than good? If you've never looked into the benefits of a credit union, maybe now is a good time to switch. There are actually many benefits, many of which you've probably never even heard about.



Simply put, a bank is an establishment that is there to make money for itself. This isn't necessarily a bad thing; it's what every single business is in business for: to make its own money. So what's so great about a credit union? What makes it different? A credit union is a non-profit organization that is there specifically for its members. Basically, it's a group of people dedicated to their money. So instead of stockholders making decisions for the bank they have partial ownership of, you can literally own a portion of your credit union yourself and be able to vote and participate on different aspects of the company. It is completely Democratic and members even elect a volunteer Board of Directors. Sounds good, right?



Credit unions also offer higher rates of interest payout in savings accounts as well as having typically lower interest rates on loans and personal lines of credit. They also offer many free services such as checking accounts, debit and credit cards, and personalized service.



There are some people skeptical about credit unions because they believe that their money isn't safe. This rumor is no longer true and all credit unions now legally have to be federally insured, just like a bank. So there really shouldn't be any question in which establishment you should choose.



Now that you're convinced, go a step further. What other corporations do you spend your money at? The grocery store, clothing venues at the local mall. Once you start saving your money wisely, try spending your money wisely, too. Everything you do can become more frugal and help you in life. Learn to shop around. Do your research on which credit unions offer the lowest interest rates and the highest interest payouts.


Tom Cribbs has done research on car insurance.


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Arizona Bankruptcy Courts and Their Rulings

Arizona Bankruptcy Courts and Their Rulings
by Kerry Ng

The Arizona bankruptcy courts have kept in line with the rest of the country to make sure that all claims are dealt with fairly and justly. Not everyone is able to file for bankruptcy and it's up to these courts to make sure that the system is not abused. The Arizona bankruptcy courts do have a web site that can provide people with all the information that they will need to begin investigating their claims and find guidance on the right places to look for this help.



Arizona Bankruptcy Court Information



The Arizona bankruptcy court has an up-to-date facility that uses the latest technology and devices to ensure that your case is dealt with professionally and within a strict guideline. They also provide headsets for those who have hearing disabilities as well as telephone and Internet facilities to access fast and up-to-date information. They can also provide remarkable presentation systems for court cases and kiosks for refreshments during your wait and court appearances; as well telephone and video conferencing facilities to help you with your case.



The Web site also contains information that can help you find information for the debtor and the creditor, as well as information on anything that affects your individual case. This can help you answer a lot of your own questions, thus saving you time as well as stress.



If you happen to require information or access to certain forms with regards to your case or publications that may help you in finding a solution, you may be able to access this data on the Arizona bankruptcy court Web site. The Web site will also show information on the court calendars as well as provide access to many of their online facilities.



The good thing about this web site is that the site is user-friendly with most of the information available at your fingertips when taking the steps towards filing for your bankruptcy. Whether you're an individual filing for bankruptcy or an organization that requires information with regards to clients who have filed for bankruptcy, the information is all there and readily available. This web site is filled with plenty of good facts and instructions and can be found at the following web address: http://www.azb.uscourts.gov/Default.aspx

This web site can also be translated into Spanish with a simple click of a mouse to make it easier for all who need access to this important information. As well, there are various links on the site that may help you with your bankruptcy case.


Kerry Ng is a successful Webmaster and publisher of Personal Bankruptcy Tips. For more great helpful information about personal bankruptcy visit Personal Bankruptcy Tips


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Your Guide To Credit Report

Your Guide To Credit Report
by James Miller 4u-now

First, before you read the article below, here are some useful definitions. Equifax is a chief credit referencing agencies in the UK. Equifax compiles all your financial statistics from a variety of places to develop a report that presents your personal credit history - i.e. your credit file. When you make an application for credit, loan companies will study your credit file to get a picture of your financial record. It's possible to ask for a printed copy of your file when ever you like to know that all is in order. The Equifax internet website has a lot of practical instructions on making financial choices and protecting yourself from fraud.



Experian is a chief credit referencing agencies in the UK. Lenders will turn to a credit reference agency to find out about the appropriateness of a customer founded on their financial past. This is referred to as a credit report. As with all consumers, you can ask for a printed copy of your file from Experian to know that all the facts and figures on it are right and that your financial details haven't been used illegally.



A credit check is a search performed by a prospective loan company to assess your suitability for borrowing. Lenders will look at your credit record to see your existing and previous financial history. Lenders can then award you a credit score to check whether the manner in which you run your finances fulfils their criteria for credit.



A credit report is basically financial data about you held by a credit reference agency (such as Experian, Equifax or CallCredit plc). The data is used by potential lenders, landlords and employers to help them make a decision as to whether approve your application for a loan or other credit; or for a job or as a tenant.

The information on your credit file is updated on an ongoing basis, and is provided by companies who have given you credit in the past and currently. The data on your file includes:



1. Personal information such as your name and any previous names you have been known by, date of birth, current and recent addresses, current and previous employers.

2. Your financial credit history. This details current and previous credit from the last six years, including amounts currently owed; details of credit accounts that were opened in your name (or ones where you are an authorised user); whether payments have been kept up to date or missed; any bankruptcies, County Court Judgements (CCJs) or arrears etc



Information about your current or savings accounts, or bankruptcies, CCJs that are more than 6 years old are not shown on your credit file, nor your political affiliation, medical history, ethnicity, religion, nor criminal records.

Provided they have your consent, your report can be viewed by anyone with an acceptable purpose. These include: potential lenders; landlords; any Government Agency; employers and potential employers and an individual or organisation that has your written authorisation to obtain your credit report


James Miller is writing on topics relevant to uk tenant loans, bad credit consolidation loans and even flexible car loan.


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