Tips on paying credit cards in the most effective manner should and will fall in to a number of categories. They will have to include how much to pay to the credit cards, when to …
Getting out of debt is a tough feat and managing debt can be tougher. There are many ways to better manage your finances. If you want to put yourself in a better financial situation managing …
There are millions of consumers with poor credit scores, typically the result of bankruptcy, foreclosure, or simply being overwhelmed by bills. Because of this, an industry centered around helping these people to get out of …
Zero percent financing is an excellent way of being able to finance a debt without incurring hefty finance charges in the amount of interest that the lender charges. You can spread the payments over the …
It seems like every time you turn the TV on you are bombarded with commercials trying to convince you not only the advantages of credit but the importance of your credit score, but what is …
Debt consolidation simply means that one obtains a single loan to settle another which can either be another single loan or else multiple loans. There can be several different reasons for making such a decision …
Your credit score is one of the most important numbers in your financial life. It can affect whether you get approved for a mortgage or not, and will impact how much interest you would pay …
Many Americans are facing high-cost credit card debt. Families are finding the need to pay off debt in order to secure the future of themselves and their loved ones. Paying off credit cards can be …
How to manage your debt If you’ve made it as far as reading this article, you’re leaps and bounds ahead of many people already! In today’s economy people are living the lifestyle of defeatists… they’ve …
Debt’s multifaceted nature allows it to empower, disable and enable depending on the circumstances surrounding its use. Individuals, corporations, institutions and governments all make use of debt for varying means and goals. These means and …
The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 as part of the Consumer Credit Protection Act. The FDCPA puts restrictions on how debt collectors may seek to collect on debts, and it …
In tight economical times, every penny counts, and repeatedly paying overdraft fees to the bank can add up fast. Fortunately, there are simple steps to managing overdrafts so they won’t wind up destroying the household …
“If it sounds too good to be true, it probably is!” This statement should come to mind when thinking about zero-percent financing schemes. Zero-percent financing isn’t just partial to car purchases any longer. You can …
Many people seem to be destroying their credit with relative ease in these difficult economic times. It is an unfortunately easy task to perform, and can be done in a variety of ways. The following …
If you are thinking about obtaining a credit card you should consider four primary factors: (1) interest rate; (2) fees; (3) credit line; and (4) rewards. These four factors are not the only criteria you …
There could be many reasons why your credit score may be low. That is why the first thing to do is to get copies of all three of your credit reports from the three agencies. …
There is only one downside to taking out loans and borrowing money but it is heavy enough that it outweighs any and all upsides. When you take out a loan or borrow money you end …
Credit scores. You can not watch TV for an hour with out seeing at least two commercials about checking your credit score, protecting your credit score, or improving your credit score. Why is this? It …
Your credit score is an important part of your financial situation. Having a good credit score can lead to loan approvals, better loan terms, and lower interest rates, to name a few. As such, obtaining …
If you’re thinking of buying anything on the Internet – you’re going to need a credit card. Whilst some companies and countries accept debit cards – the majority don’t. To stay safe, (and to keep …
Being in credit card debt can be a frustrating experience and can be hard to get out of, but it can be done with a debt reduction plan. If done properly you can potentially save …
Whether you are a creditor giving good or bad news to a client, or an applicant who is requesting credit, or a review of the creditor’s decision, credit letters should be well written, courteous and …
In order to become debt free you must be able to exercise self discipline and learn to control your spending. A lack of discipline and control over one’s spending is the greatest reason for high …
Chase credit cards have pulled the rug out from beneath thousands of hard working paying customers. I happen to be one of those customers. A couple of weeks ago I received a small disclosure in …
Medical bills are a part of life. Whether they come in the form of co-pays, deductibles or out of pocket expenses, these bills are inescapable for anyone, regardless of socioeconomic status. Any time a medical …
When banks lend money, they break the loans down into two very broad categories. The first is secured loans, and the second is unsecured loans. For the most part, banks prefer to make secured loans …
Personal bankruptcy law varies from state to state. Bankruptcy is often necessary due to a change in circumstances such as job loss or, whenever the debtor is encumbered with exorbitant debt due to cataclysmic illness …
If you want to relax and enjoy your vacation without worrying about your credit card debt when you return home then leave your credit card behind. Credit makes if far too easy to buy something …
The lending industry has changed dramatically in the last twenty years. Previously when you wanted a loan, the loan officer would look at you as a person and see how much money you make, what …
This article assumes you have been in debt at some stage, are now debt free, and you want to stay out of debt. This is the age of instant gratification. Everybody wants something now, this …