Free-Reprint Article Written by: Josh Pike See Terms of Reprint Below.
***************************************************************** * * This email is being delivered directly to members of the group: * * [email protected] * ***************************************************************** We have moved our TERMS OF REPRINT to the end of the article. Be certain to read our TERMS OF REPRINT and honor our TERMS OF REPRINT when you use this article. Thank you. This article has been distributed by: http://Article-Distribution.com Helpful Link: The Digital Millennium Copyright Act - Overview http://www.gseis.ucla.edu/iclp/dmca1.htm --------------------------------------------------------------------- Article Title: ============== Credit: How to Get It, Build It, and Use It! Article Description: ==================== When Jorge Rojas applied for a cell phone, he hoped that the contract provider wouldn't check his credit history-not because it was bad, but because it didn't exist! Like many people, Jorge paid for most purchases with cash and did not have a formal credit history. Additional Article Information: =============================== 359 Words; formatted to 65 Characters per Line Distribution Date and Time: 2006-08-04 10:24:00 Written By: Josh Pike Copyright: 2006 Contact Email: mailto:[EMAIL PROTECTED] For more free-reprint articles by Josh Pike, please visit: http://thePhantomWriters.com/free_content/d/index.shtml#Josh_Pike ============================================= Special Notice For Publishers and Webmasters: ============================================= TEXT Copy-and-Paste and HTML Copy-and-Paste Versions Of Article Are Available at: http://thePhantomWriters.com/free_content/db/p/how-to-get-and-build-credit.shtml#get_code If you use this article on your website or in your ezine, We Want To Know About It. Use the following URL to let us know where you have used this article, and we will include a link to your website on thePhantomWriters.com: http://thephantomwriters.com/notify.php?id=3270&p=load --------------------------------------------------------------------- Credit: How to Get It, Build It, and Use It! Copyright © 2006 Accion USA Written by: Josh Pike Accion USA http://www.accionusa.org/ When Jorge Rojas applied for a cell phone, he hoped that the contract provider wouldn't check his credit history-not because it was bad, but because it didn't exist! Like many people, Jorge paid for most purchases with cash and did not have a formal credit history. These days, it's not just banks that are interested in your credit-landlords, insurance companies, cell phone providers, and even employers want proof that you can handle credit responsibly. However, if you've never borrowed money from a bank or used a credit card, you do not have an established credit history, and this can make getting a loan extremely difficult. Establishing a personal credit history is essential to long-term financial success, especially if you're interested in starting a small business. It takes time to establish credit and build a record of timely repayments, so start building your credit today! Diana Dezso, credit expert at ACCION, a small business lender, offers the following tips to establish credit for the first time: 1. Apply for an ACCION loan. ACCION provides small loans that help individuals without a credit history begin to build their credit. With a loan for as little as $500, you can begin to demonstrate your credit-worthiness, and borrow larger amounts in the future! Attend a workshop or contact ACCION at (212) 387-0494 for more information. 2. Apply for a secured loan or secured credit card. These loans and credit cards are guaranteed by your money, but still help you build credit! When you get the loan or credit card, it's essential to make the payments in full and on time. 3. Get a cosigner. Asking a friend or relative who has good credit to cosign, or share the responsibility for, a loan will make it easier for banks to lend you funds. Patience is key throughout the credit-building process, says Dezso. It is much better to go slowly and develop strong credit than to apply for too many credit cards or a loan that is larger than you can handle. However, with good credit practices and a little bit of time, you'll have a credit history that you'll be proud to show anyone! --------------------------------------------------------------------- Article written by: Josh Pike. This article was provided by ACCION USA: http://www.accionusa.org ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses. --- END ARTICLE --- Get TEXT or HTML Copy-and-Paste Versions Of This Article at: http://thePhantomWriters.com/free_content/db/p/how-to-get-and-build-credit.shtml#get_code ..................................... TERMS OF REPRINT - Publication Rules (Last Updated: May 11, 2006) Our TERMS OF REPRINT are fully enforcable under the terms of: The Digital Millennium Copyright Act http://thomas.loc.gov/cgi-bin/query/z?c105:H.R.2281.ENR: ..................................... *** Digital Reprint Rights *** * If you publish this article in a website/forum/blog, You Must Set All URL's or Mailto Addresses in the body of the article AND in the Author's Resource Box as Hyperlinks (clickable links). * Links must remain in the form that we published them. Clean links should point to the Author's links without redirects having been inserted into the copy. * You are not allowed to Change or Delete any Words or Links in the Article or Resource Box. Paragraph breaks must be retained with articles. You can change where the paragraph breaks fall, but you cannot eliminate all paragraph breaks as some have chosen to do. * Email Distribution of this article Must be done through Opt-in Email Only. No Unsolicited Commercial Email. * You Are Allowed to format the layout of the article for proper display of the article in your website or in your ezine, so long as you can maintain the author's interests within the article. * You may not use sentences from this article as an input for any software that steals sentences from others in order to build an article with software. The copyright on this article applies to the "WHOLE" article. *** Author Notification *** We ask that you notify the author of publication of his or her work. Josh Pike can be reached at: [EMAIL PROTECTED] *** Print Publication Reprint Rights *** If you desire to publish this article in a PRINT publication, you must contact the author directly for Print Permission at: mailto:[EMAIL PROTECTED] ..................................... If you need help converting this text article for proper hyperlinked placement in your webpage, please use this free tool: http://thephantomwriters.com/link-builder.pl ===================================================================== ABOUT THIS ARTICLE SUBMISSION http://thePhantomWriters.com is a paid article distribution service. thePhantomWriters.com and Article-Distribution.com are owned and operated by Bill Platt of Stillwater, Oklahoma USA. The content of this article is solely the property and opinion of its author, Josh Pike http://www.accionusa.org/ --------------------------------------------------------------------- XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX --------------------------------------------------------------------- *-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-* To have your article appear in this distribution list, you must absolutely be a client of thePhantomWriters. We offer a paid article distribution service, and this is one of the more than 60 groups where we submit our client articles. To learn more about our program, visit: http://thePhantomWriters.com/x.pl/tpw/index.htm Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/thePhantomWriters/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
