Most of us have seen the claims: We can help you repair your credit. What most of these advertisements are out for, is to get your money. In fact, consumers who have credit problems may …
There are differences between a secured debt consolidation loan and an unsecured debt consolidation loan. If you are struggling to pay back a lot of debt you will require a cool head to make a …
Consolidation loans can be a good way to reduce monthly paperwork and the money spent on debt. In a consolidation loan, a consumer’s pre-existing loans are paid off with a new loan. This new loan …
Making the decision to break the cycle of credit card debt is an excellent choice. It can be achieved with focus, determination and the knowledge needed to avoid the most typical mistakes such a path can …
In these changing times, we never know what little trick big business will pull on us next. Recently I received a disclosure in the mail from Chase credit cards. Normally I would have tossed this …
A healthy credit rating makes your financial life much simpler than an unhealthy one, as it gives you all the benefits which come through having proved that you are financially responsible. Once you have a …
It was initially reported by various news outlets that PayPal had accidentally credited $92 quadrillion to a man’s PayPal account. However, in reality, this isn’t what actually happened. What actually happened, as described on the site …
The decision to go through a bankruptcy can affect the life of a consumer in the United States for years. In fact, most bankruptcy attorneys advise their clients to expect to see the effects of …
Credit services are a commonly utilized by both individuals and businesses around the World. Credit commonly takes the form of electronic money that is recorded in virtual accounts in the form of a loan with …
Believe it or not, but declaring bankruptcy can actually help you increase your credit score. It is amazing, but true. When you reach the point in your financial obligations that you default on loans, have …
For some people having a credit card or multiple credit cards can be a bad thing. If a situation arises in their life that causes them to need immediate money over and extended period, credit …
Having been in the credit industry for the previous 15 years I can assure you that other than your personal credit score, the debt-to-income (DTI) Ratio is the most important factor creditors analyze when deciding …
Be safe – never assume anything. As a victim of identity theft 4 years ago, I am still paying the price of being violated. Yes, I said violated. This horrible act of violence is every …
Student loans are very normal for a typical college student. On average, students accumulate a total of $20,000 debt upon graduation and will face the task and responsibility of paying it off. The downside of …
A Guide to The Fair Credit Billing Act The main purpose of the Fair Credit Billing Act was to give the consumer legal recourse to billing errors found on their credit card statements. It was …
Most consumers are already aware of the negative repercussions of a bad credit rating. In some cases, just being late on one credit card payment can result in immediate, higher interest rates. Bad credit also …
Your personal credit score is one of the most important things you should know about yourself. Anyone with a poor credit history will find it increasingly difficult to purchase large new items such as a …
You’ve made some bad credit decisions, but now you are ready to get back on track. Unfortunately, your credit is in a massive crater, and you need to find a way to get a credit …
During the Victorian era, pickpockets were rife. The scenes of Victorian vagabonds, trained by thieves like Fagin, from the Charles Dickens book, ‘Oliver Twist’, to act as pickpockets, is famous the world over. But those …
These days there is so much credit that a consumer can get from sellers. This ranges from using your credit card, buying a car, getting a mortgage and a business loan among others. As it …
After a few years of work, you applied for a credit card, which you got it the following month. You are extremely excited and went on spending like there is no tomorrow. You involved yourself …
Check books have always been popular with businesses for the payment of goods and services. It is still a preferred way of payment because it allows people the freedom to walk around with only a check book …
Credit card debt is something that millions of people are struggling to get under control. Either these people choose to ignore the situation or just have not implied the necessary tools to make their financial …
Each time you apply for a loan, whether for a car, house or for personal expenses, you have to essentially submit to a financial background check, or credit check. When the lending institution sends out …
When it comes to applying for a mortgage, a car or even an apartment, your credit rating can be one of your best assets – or your biggest obstacles. For this reason, it is important …
Bogey Never Said It Did you know there was an extensive list of erroneous and misleading pieces of information being distributed in the field of credit and debt management? Just as Bogey never said, “Play …
Millions of consumers blindly pay credit card interest year after year, seemingly oblivious to the fact that there is no need to do so. Every single time a credit card is used which carries an …
Routine behaviors and consistent practices are needed in order to protect credit cards. Additional measures are needed to limit the temptation for those that are sophisticated in the practice of theft. Precautions can become a safety routine that …
With home values dropping in recent years and other circumstances you may find yourself in trouble when trying to make your mortgage payments. There are some steps to take to prevent foreclosure on your home. …
One of the main reasons to pay your credit card bill early – or on time – is because of the APR/Interest Rate. The APR is known as the Annual Percentage Rate, or the Interest …