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Katie's Credit Glossary
| PREPARING KIDS FOR CREDIT, STUDENT ISSUES
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Kids, Money, and Credit
College and Credit Cards, Student Credit Cards
How to Pay for College: Financial Aid information
The Truth About Debt Consolidation Programs
Credit & Divorce
Child Support & Deadbeat Dads
Choosing the Right Credit Card for You
Personal Bankruptcy Explained
If You Have Been Treated Unfairly By a Creditor
Debt Consolidation Scams
Debt Elimination Scams
Debt Settlement Scams
Christian Credit Scams
Predatory Lenders
Identity Theft
Tips for 1st Time Home Buyers
What to do if You've been Denied
Credit & Home Buying
Negotiating a Home
| NEGOTIATING AND REPAIRING CREDIT
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Negotiating Debt With Your Creditors
Your Rights Regarding Debt Collection
Free Credit Repair: How to Clean Up Your Own Credit
Easy Steps to Building or Re-establishing Good Credit
Disputing Mistakes on Credit Card Statements
| CREDIT REPORT INFORMATION, CREDIT SCORE INFORMATION
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How to Get Your Credit Reports
How Long Do Entries Stay on My Credit Report?
How to Read Credit Reports
Credit Score, FICO Score Explained
Innovis: The Fourth Credit Bureau
Federal Law Concerning Credit
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DISCLAIMER
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BALANCE TRANSFER LETTER
Personalize the form letter below by entering your specifics in the CAPITALIZED areas.
DATE
CUSTOMER SERVICE DEPARTMENT
CREDIT CARD COMPANY NAME
COMPANY'S ADDRESS
CITY, STATE AND ZIP CODE
Re: Transferring balance of CARD NAME account NUMBER and closing the account
Dear Sir or Madam:
This letter is my formal request transfer the outstanding balance of DOLLAR AMOUNT on my CARD NAME account to my following new account:
* Account issued to: YOUR NAME
* Account type: MASTERCARD, VISA, ETC.
* Account number: NEW CARD NUMBER
* Expiration date: DATE
* Issuing company: NEW CARD ISSUER
After transferring my outstanding balance to NEW CREDIT CARD COMPANY, please close my account with your company and notify me by mail at the address below that this action has been taken.
In addition, please include on my credit report that the account was closed at my own request and that the account was in good standing at the time it was closed.
IF YOU CALLED YOUR CREDIT CARD COMPANY EARLIER FOR GUIDANCE ON CLOSING THE ACCOUNT, REFER TO THAT CONVERSATION NOW. FOR EXAMPLE: ON MAY 1, 2003, I CALLED YOUR CUSTOMER SERVICE OFFICE TO DISCUSS CLOSURE OF MY ACCOUNT. I SPOKE WITH SERVICE REPRESENTATIVE JANE SMITH ABOUT THE TERMS OF CLOSING THIS ACCOUNT AND SHE TOLD ME THAT I WOULD NOT BE CHARGED ANY TRANSFER FEES, THERE WOULD BE NO FEE FOR CLOSING THE ACCOUNT AND THAT YOU WOULD NOTIFY ME WHEN THE ACCOUNT WAS CLOSED. PER MY CONVERSATION WITH MS. SMITH, PLEASE CONFIRM IN WRITING WHEN MY ACCOUNT IS CLOSED AND THAT IT WAS DONE SO ACCORDING TO THE TERMS WE DISCUSSED.
If you have any questions, you can reach me at the address below or can call me at TELEPHONE NUMBER.
Thank you for your prompt attention to this matter.
Best regards,
YOUR SIGNATURE
YOUR TYPED NAME
ADDRESS
CITY, STATE AND ZIP CODE
cc: NEW CREDIT CARD ISSUER
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