Credit Advice & Tips

New and Used Car Loans and Refinancing  Secured and Unsecured Credit Cards  Credit Report, Score, Repair and Protection  Debt Counseling, Settlement and Consolidation  New Home Purchase, 2nd Mortgage ReFi, Cash Equity  Short and Long Term Personal Loans


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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan

    

             

    

  

Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Christmas gift cards - buying, selling and trading retail store gift cards. Buy discounted cards or sell gift cards for cash.

Christmas personal loan - short or long term personal loan with monthly installments to purchase Christmas gifts.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.

   

  

   

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

Home Loan: Stop paying rent and live the American dream.

 

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

 

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                 

  

Bad Credit OK

Good Credit Only

  

Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report it to the federal government.

  

How to spot counterfeit money: Closely examine money you receive and compare suspect bills with a genuine bill of the same denomination and series. Pay attention to the quality of printing and paper, and look for differences instead of similarities.

 

How to tell if money is counterfeit

Real Vs Counterfeit

Portrait: A genuine portrait appears lifelike and stands out distinctly from the background. The counterfeit portrait is usually lifeless and flat. Details merge into the background which is often too dark or mottled.

 

Federal Reserve and Treasury Seals: On a genuine bill, the saw-tooth points of the Federal Reserve and Treasury seals are clear, distinct, and sharp. The seals of counterfeit money may have uneven, blunt, or broken saw-tooth points.

 

Border: The fine lines in the border of genuine money are clear and unbroken. On counterfeit money, the lines in the outer margin and scrollwork may be blurred and indistinct.

 

Serial Numbers: Genuine serial numbers have a distinctive style and are evenly spaced. The serial numbers are printed in the same ink color as the Treasury Seal. On counterfeit money, the serial numbers may differ in color or shade of ink from the Treasury seal. The numbers may not be uniformly spaced or aligned.

 

Paper: Genuine currency paper has tiny red and blue fibers embedded throughout. Often counterfeiters try to simulate these fibers by printing tiny red and blue lines on their paper. But on counterfeit money the lines are printed on the surface, not embedded in the paper. It is illegal to reproduce the distinctive paper used in the manufacturing of United States currency.

 

 

Genuine paper currency is sometimes altered in an attempt to increase its face value. One common method is to glue numerals from higher denomination notes to the corners of lower denomination notes.

These bills are also considered counterfeit, and those who produce them are subject to the same penalties as other counterfeiters. If you suspect you are in possession of a raised note:
 

Compare the denomination numerals on each corner with the denomination written out at the bottom of the note (front and back) and through the Treasury seal.

 

Compare the suspect note to a genuine note of the same denomination and series year, paying particular attention to the portrait, vignette and denomination numerals.

 

Counterfeit Coins

Genuine coins are struck (stamped out) by special machinery. Most counterfeit coins are made by pouring liquid metal into molds or dies. This procedure often leaves die marks, such as cracks or pimples of metal on the counterfeit coin.

Today counterfeit coins are made primarily to simulate rare coins which are of value to collectors. Sometimes this is done by altering genuine coins to increase their numismatic value. The most common changes are the removal, addition, or alteration of the coin's date or mint marks.

If you suspect you are in possession of a counterfeit or altered coin, compare it with a genuine one of the same value.

If it is above five cents in value, it should have corrugated outer edges, referred to as "reeding." Reeding on genuine coins is even and distinct. The counterfeit coin's reeding may be uneven, crooked, or missing altogether.

 

To prevent counterfeit money, the U.S. Treasury creates new one, two, five, ten, twenty, fifty and 100 dollar bills.

 

Suspect you've been given fake money? Turn it over to your local police or Secret Service field office. Or get more information on how to spot counterfeit money.

  

Need more information? Read our financial and credit articles related to money or government, and join our online financial newsletter.


Debt - As many as a third of consumers hide their debts from other family members. Men may be more likely to hide personal debts from their partners and do not tell them how much they really owe. Hidden debts can accumulate quickly just through pre approved credit card offers. Many times one partner completes those credit card offers without the other partner’s knowledge. Store cards and credit cards appear to be the most common way that hidden debts are acquired.

 

No matter how debt happens, getting control of debts is the most important thing to do. The average consumer usually has up to five or more credit cards and owes around five thousand dollars on just one card. One option is to do a balance transfer to a 0% or low introductory card. This can eliminate shuffling all those credit card balances and only have one card balance due each month. However, when a consumer's plan is not working, using a debt professional can help.

 

Debt professionals use several ways to help consumers get control of debts. There is debt consolidation, debt settlement, and credit counseling services. Knowing which service is best for your needs can also be determined by the help of a good professional. Millions of consumers are in debt and are not doing anything. Credit scores are more important than ever, ignoring debts is not a good idea and it can lead to more debt trouble and bad credit scores. Start early before debts are 60 days late and get on your way to being debt free and stress free. Getting out of debt can take time and sacrifices may need to be made until finances are on track.

 

One of the best tips for those who are in debt, is to stop spending money! Get out those bills and total what you really owe. Review all the minimum payments due and plan on paying more for each one that you can. Get a second job or find money in your budget by eliminating or reducing some bills. For example, cut cell phone plans, cancel club memberships, reduce the TV cable plan, and eliminate some hobbies until debts are payoff. It can time and effort to get control, but better credit scores and a less stressful life are the benefits.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

53.com Review - Copyright © 2011 Fifth Third Bank, All Rights Reserved

Bank
* Checking Accounts
* Savings Accounts
* Credit Cards
* Debit Cards
* Real Life Rewards
* Gift Cards

Borrow
* Mortgages
* Equity Lines & Loans
* Vehicle Financing
* Student Loans

Invest & Plan
* CDs
* IRAs
* Investment & Wealth Management
* Planning Center

Manage Accounts
* Internet Banking & Online Bill Payment
* Mobile Banking
* Overdraft Coverage
* Early Access
* Fifth Third Identity Alert

Fifth Third Mortgages - When you are looking to buy a home, you want to look for the best option to suit your financial situation. Consider Fifth Third Bank your mortgage resource. We have a wide selection of options for financing; so chances are, you’re sure to find the type of mortgage that suits you perfectly.

Fixed Rate Mortgage: You want predictable and steady monthly mortgage principle and interest payments for the length of the loan
Adjustable Rate Mortgage: You want the ability to purchase a larger home or prefer to have lower payments initially
Jumbo Loan: You need to borrow amounts in excess of the conforming loan amounts allowed by FNMA and FHLMC
FHA Loan: You want to purchase a home with a low down payment or require a loan with flexible guidelines
VA Loan: You are a veteran looking to purchase a home
Construction or Lot Loan: You are building a home
Good Neighbor Program™: You want to purchase a home with a low down payment or require more flexible funding options to purchase the home of your dreams
My Community Mortgage: You are a teacher, firefighter, healthcare worker, law enforcement officer or military personnel looking to purchase a home in the community you serve.
Interest Only Loan: You want to purchase a home and make only interest payments on your loan for a set period of time.*

Personal Checking:
Rewards Package - Accumulate valuable points fast on everyday banking.
Interest Package - Earn interest on your account balance.
Secure Package - Help achieve financial safety with credit monitoring.
Balance Builder Package - Build a nest egg with a checking and savings combo.
Gold Package - Use any ATM for FREE7. Get Fifth Third Identity Alert.
Student Checking - Alerts and mobile banking for students and parents.
Club53® Package - Special perks for those age 50 or better.
Regular Checking - A great option to add an additional account.

Earn interest on your checking balance, plus get discounts on other products and services.

Best For You If… You want your checking balance to earn interest, and you keep a fairly large amount of money in your checking account. Because You Get:
* A waived monthly service fee with a minimum balance1
* Competitive interest rates2 View Rates
* Two free non-Fifth Third ATM transactions per month3
* Free first order of checks4
* Free traveler's checks and one free cashier’s check each month5

Fees associated with Interest Checking Package: We’ll waive the monthly service fee1 when you maintain either:
* A $2,000 daily balance
OR
* A $20,000 combined balance in all of your accounts (checking, savings, CDs and Brokerage).

It's Easy to Switch to a Fifth Third Interest Checking Account. Open a Fifth Third Interest Checking Account, and then simply download, print and complete account transfer forms:

Savings Accounts: A savings account is a great place to secure your finances and let your money grow over time. It can also be a useful tool for teaching young ones how to save and budget money. No matter what your needs, Fifth Third has the right account for you.

Bank Credit & Debit Cards: Credit cards and debit cards give you enhanced purchasing power and financial flexibility. We offer a variety of bank credit cards and debit cards with unique sets of benefits and competitive rates because people have different needs. Select from a wide array of MasterCard® & Visa® credit cards and debit cards, with some featuring our low APR credit card rates, cash rewards or points rewards. Learn more about our credit and debit cards and find the debit or credit card that’s right for you.

Fifth Third Internet, Mobile and Telephone Banking: 

Internet Banking & Online Bill Payment - Fifth Third's easy-to-use Internet Banking and Online Bill Payment system gives you greater control of your finances. Our online banking services provide the convenience of accessing your account information 24 hours a day, seven days a week. Personal Internet Banking is fast, free* and completely secure. Learn more about Internet Banking and Online Bill Pay.

Mobile Banking - Now, it's quick and easy to securely access all of your Fifth Third account information whenever you need it. With Fifth Third Mobile Banking, you can check your balances, locate branches and ATMs, or transfer funds-any time, any place, right from your phone. And to help bring banking to you when you're on the go, Fifth Third Mobile Banking provides account text alerts that can be automatically sent to your mobile device.

Vehicle Financing Options: If you’re looking for an auto loan to purchase a vehicle, Fifth Third Bank offers the following financing options:
* Car Loans
* Truck/SUV Loans

The products listed above include these great benefits:
* Competitive rates with flexible terms
* No payment option for up to 90 days
* .25% rate discount when payment is deducted from any Fifth Third Bank checking or savings account using Auto BillPayer

1-800-972-3030


Beware Phishing, Vishing, SMiShing and Spear Phishing scams
Victim of a Counterfeit or Fake Money Order? Learn how to spot fake money orders, report the scam, and what you must do if you have cashed fake money orders.
Learn how the credit card shaving scam works, and how to report the scam.
Get out of Credit Card Interest Reduction Scams
Bright Sky and Round Sky customer complaint about advance fee scam.
Signs of Debt Relief Scams to Avoid being a Victim of Fraud
Investing for retirement: Credit Federal defines Treasury Bills, Treasury Notes, Treasury Bonds, Treasury Inflation-Protected Securities (TIPS), I Bond and EE Bond.
Treasury Secretary John Snow delivers economy speech.
Treasury Secretary Snow to Release DVD on Identity Theft to Help Better Protect Consumers from Financial Fraud.
Victim of a Counterfeit or Fake Money Order? Learn how to spot fake money orders, report the scam, and what you must do if you have cashed fake money orders.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $5 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $10 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $20 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $50 dollar bill.
View new money images of the $5, $10, $20 and $50 dollar bills. The new money is to help protect Americans from counterfeit money scams.
Illustrations of new money bills, including the one, two, five, ten, twenty, fifty and 100 dollar bills designed to thwart fraudulent counterfeiting. Don't be a fake money victim.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

SummitBankAZ.com Review - Copyright Summit Bank

PERSONAL CHECKING - Finding the right checking account for your needs and lifestyle is so important. After all, it’s probably the account that gets the most mileage. At The Foothills Bank, we offer a wide selection of checking accounts so you can select the one that’s best for you.

Basic Checking
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $5 Service Fee per statement cycle
* $500 minimum ledger balance to waive service fee
* Limited check writing (10 per statement cycle, $ .25 each over 10 checks)
* Free Internet Banking and Bill pay

Student Checking
* Available to College Students, Parent/Guardian must agree to be related to the account if student is under the age of 18 years old
* ATM/Debit card available
* $100 minimum opening deposit required
* No Service Fee per statement cycle
* Unlimited check writing
* Free Internet Banking and Bill pay

Personal Checking
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $ 9.00 Service Fee per statement cycle
* $ 1,000 minimum ledger balance to waive service fee
* $ 5,000 combined minimum ledger balance in this account, any personal checking accounts, personal savings accounts, CDs, CD IRA's or Money Market accounts to waive service fee
* Unlimited check writing
* Free Internet Banking and Bill pay

Personal Interest Checking Account (see rate table)
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $ 12.00 Service Fee per statement cycle
* $ 2,500 minimum ledger balance to waive service fee
* $ 10,000 combined minimum ledger balance in this account, any personal checking accounts, personal savings accounts, CDs, CD IRA's or Money Market accounts to waive service fee
* Unlimited check writing
* Interest is variable, based on daily collected balance
* Free Internet Banking and Bill pay

55 Checking Plus (see rate table)
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $ 10.00 Service Fee per statement cycle
* $ 2,500 minimum ledger balance to waive service fee
* $ 10,000 combined minimum ledger balance in this account, any personal checking accounts, personal savings accounts, CDs, CD IRA's or Money Market accounts to waive service fee
* Unlimited check writing
* Interest is variable, based on daily collected balance
* Free Internet Banking and Bill pay
* Free printed checks first order and reorders (Single copy Summit logo check)
* No service charge for travelers checks
* No service charge for cashiers checks and money orders (maximum of 5 per month)
* Other banks ATM fees reimbursed up to 5 per statement cycle



Credit Advice - If you're going to use a credit card to make purchases, let the card company pay you. Get a cashback credit card and payoff balances in full each month, then add the cash earnings to your savings account.


Credit Advice - Are your debts getting out of control and you fear you won't be able to repay them? If you feel like you are drowning in bills especially with credit cards, you may need debt assistance in order to secure your financial future. You either need a plan to repay bills or negotiate a settlement payoff.

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