Managing Credit and Debt Archive

Debt consolidation is a strategy to enable the debtor to re-arrangeexisting debt into another repayment plan. There are many companies offering this service to the public, some highly reputable, while many others are now out …

Your credit reports can be accessed and seen without your express permission, as agencies can provide your credit report to parties with a vested interest such as landlords and credit card providers. However not everyone …

Who hasn’t been affected by the current financial crisis? Personally, my family and I purchased a home in mid 2008, and before the ink was dry on the closing paperwork I was wrongfully discharged from …

I really don’t know of anyone who isn’t in debt for one thing or another. I know that I am, and it’s all medical bills. I make payments religiously once a month, every month, and …

Identity theft is a modern crime washing through the world. Technology has made it easy for fraudsters to delve into private information and retrieve details to steal. They may use your money or credit to …

The good news is that in the military payday always comes around. The bad news is that sometimes, for many,  there is more month left at the end of the paycheck. The stress of deployment …

It is important to keep track of your credit score and debt at all times. Most of the time, as long as bills are paid on time there are few, if any problems with your …

Unless you find it very difficult to avoid impulse buys, then your credit cards are best kept in your wallet rather than a drawer in the kitchen, a cookie jar or even a home safe.  …

How much debt is too much? Well, it depends on many things. If you make 7 figures and have 7 figure debt it will seem like a lot to someone who makes 5 figures. I …

Easy ways to become richer involve making use of the following universal principles of wealth. For some, making use of these financial concepts is easier than others, but opportunity is sometimes made and anyone can …

You may not like it, but if you happen to have debts which are in default it shouldn’t really be a surprise if a debt collector makes contact with you. Hiding from debt rather than …

Individuals across the nation are facing a financial crisis today, with skyrocketing debt, unaffordable homes, and job losses occurring in many major industries. Many of the problems that are facing individuals today could have been …

Credit card safety is a huge issue today, with identity theft continually on the rise and most people carrying and using two to three credit cards. One important aspect of being safe with your credit …

The recent financial crisis has affected me in a negative way, in that it’s difficult for me to get hired for a job. As a result, I get depressed. I don’t feel useful. It’s affected …

You know that you need to save money and these steps can help you accomplish your 2008 goals. 1. What are you earning?Look around for banks with the highest interest for your checking and savings …

Most people with financial debt don’t actually take to the sidewalk shaking a begging cup, as the shame would be too much. Asking people for a hand out would be tacky in the extreme. Yet …

Creating a Debt Management Plan for those in the United Kingdom may include the employment of a private Company that specialises in the production of bespoke plans that deal with unsecured debts. Such Debt Management Plans are …

The law gives you the right, free of charge, to contest anything on your credit report that you contend is inaccurate.  This is important, because errors are common on credit reports (an item from someone …

Debt collectors are hated by many people. This is because they are not always honest or scrupulous in collecting debts that are past due. In their very lowest form, they will even attempt to collect …

Bad things happen to everyone who is alive on Earth. That is a fact, and it is also a fact that for one reason or another some people spend more money than they earn each …

Debt collectors are one of the most reviled professions. The image of them preying on the vulnerable may be true in some cases and more complaints are issued against debt collection agencies than any other profession. However, …

We would all like to be prepared when a financial crisis occurs and if you’re smart you will take the necessary precautions ahead of time. Keeping track of how you’re spending your money and building …

Something that many people struggle with in their day-to-day lives is the topic of personal finances. You may see that new shiny electronic device or some new article of clothing and get the impulse to …

Back in the day, someone who took the route of bankruptcy to solve their financial problems was perceived as a failure. Bankruptcy is a process by which someone who cannot pay their debts when they fall due …

Credit card debt is one of the biggest financial obstacles facing people today. Learning how to get credit card debt under control takes a bit of research, and a keener understanding of what to look …

It’s clear, with the destruction of the real estate market, the failures of multiple banks, and the ill conceived bailouts of the remaining banks, that credit, or the poor use of it, has been a …

Credit card debt is one of the leading reasons that so many people find themselves in debt and unable to make their monthly payments. It is so easy to make a purchase using a credit …

Credit scores are becoming increasingly relevant to our everyday lives, and espousing the use of credit in favour of cash can actually have a negative impact on your life in ways you give no thought …

Debt can be used for different purposes and can feature different payment terms. You can borrow money to buy a house, you can get a student loan, borrow to buy a car, use your credit …

While the economy is worse than ever before and most people are practically struggling to make ends meet, there are actually ways for the situation to improve. Not only is it possible to learn to …