Managing Credit and Debt Archive

How an individual handles his or her financial situation is as much emotional as it is practical. Being in a bad financial condition can create a sense of helplessness that prevents an individual from acting …

Credit cards are very useful payment tools. Different cards come with many different characteristics, and you want one that will provide the features and terms that you desire. There are many desirable features of credit …

A bad or poor credit rating can boundary your borrowing options. It is the worst feeling in the world when your credit has been declined. Your credit rating is decided by your credit history. So, …

Credit has become a central part of everyone’s personal finances. These days, it is important to maintain good credit standings, or it could lead to a lot of headache. Problems people face due to bad …

Health care costs are nothing short of exorbitant, especially if you don’t have healthcare benefits. If you are lucky enough to have sufficient medical insurance coverage, your costs might be lower, but that doesn’t change …

Currently, the US economy is driven by consumer credit, making extremely easy for the average consumer to be overwhelmed with debt. Debt consolidation is an effective way that helps you in handling your debt by …

It is very important to maximize your credit score because this can affect whether you will be able to get a mortgage or a loan.  Even some potential employers now run credit checks!  You should …

Getting into debt is a relatively easy thing to do and most people have debt of some kind. However, getting out of debt is much harder and many people don’t even know where to start …

Now more than ever, your credit score matters. Here are five things you can start doing right now to improve your credit score. Pay down credit card balances Keeping account balances under 25 percent of …

Getting out of debt is like losing weight: It is much easier to put on than to take off, and it often sneaks up on you slowly. Just as no one consciously decides to get …

The use of credit and debit cards are safer than using cash in a digital world because methods for securing digital info, which is ultimately what cards represent, are increasing constantly, where methods of securing …

Most of us have experienced that sinking feeling of dread when opening a medical bill we know is going to be too much for us to pay.  We wonder how we will ever afford it, …

There are many advantages to owning an American Express card, though none more than the Blue Sky card that American Express offers. American Express claims you can use your rewards for travel anytime, and anywhere …

Perhaps it was the recent recession. Or it could have been a promotion or a new, higher paying job. It might even have been the realization that unless something changed, you would be paying off …

America’s favorite card provider is American Express and their Blue Sky credit cards offer a choice of a fee free rewards card or one with an annual fee, which features even more benefits. The cards …

Credit score monitoring services are available online for a monthly fee. There are some advantages to having the service to keep a monitor on your credit score changes, but there are also some great disadvantages. …