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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! The Taxation People, are a forward thinking online accountancy service that specialise in helping people who might be eligible for a tax refund. They offer a online service, with a simple and easy to follow process that will get you the refund you are entitled to. I would urge you to check out The Taxation People, where if you have been or are currently employed The Taxation People can help you get a Tax Refund. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who offers a number of online services. Initially they are only offeering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Homeowner Loans
Another bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the Homeowner Loans. They`ll scour the marketplace searching for Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.

It?s a catch-22. You need a line of credit to build credit but since you don?t have credit, no one wants to extend you a line of credit.

Increasing credit card companies are offering credit cards to college students on campus. I acquired my first credit card when I was shopping at the campus book store for a used book. My first credit card, a MBNA Visa, had a credit limit of $500. Enough to keep me out of trouble but also enough to start building my credit history file.

Here are three strategies for building or rebuilding your credit file.

1. If you have no credit, you can start building credit by applying for a secured credit card. A secured credit card is a type of credit card that requires you to open and maintain a bank savings account. The money in the savings account is used as security against your line of credit, in case you default on any payments. Your credit line is usually 50% to 100% of the money in the savings account.

2. Another strategy to building credit is to apply for an unsecured credit card. An unsecured credit card is a type of credit card that does not require you to secure the card with a savings account. This is the traditional credit card that you?ve come to know. You can apply for a ?no credit history? credit card.

3. If you are having trouble applying for an unsecured credit card, ask a family member to be a cosigner on a credit card.

To increase your chances of getting an unsecured credit card, do the following:

? Apply for cards that are suitable to your financial status. Card issuers have a target demographic or people they want to offer cards to, for each credit card product. Some creditors only want customers with perfect credit.

? Open a checking or savings account in your name. This lends credibility to your financial status.

? Don?t overdraw or bounce any checks. Better yet ? leave the money in the account and let it be. Most banks will let you open an account with $250 or even less.

? It helps to have a phone number or utility in your name.

Following these basic steps should land you on the road to perfect credit in no time.

Delia Galley writes about consumer debt counseling. Find additional resources about unsecured and secured credits at http://www.poorcreditgenie.com.

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For more information about this article and/or the author visit http://www.poorcreditgenie.com

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