Managing Credit and Debt Archive

We have all seen the advertisements for credit monitoring services, promising to alert you whenever activity occurs on your credit report that within hours that consists of new inquiries, late payments, new accounts, accounts opened …

Among the weapons you have at your disposal to use against the threat of identity theft and credit fraud are the credit alert (also called a fraud alert) and the credit freeze.  They are somewhat …

With today’s economy ,the housing market in a slump, the job market down and so many Americans out of work, many families are struggling just to put food. In many cases families are faced with having …

When it comes to reviewing and keeping up with your credit report, there’s really no getting around the fact that due diligence is an absolute necessity. Your credit report literally establishes not only how easy …

Re-building credit is a popular pastime these days, necessitated by those who have often inadvertently found ways to ruin their credit. It is surprisingly easy to sabotage ones own credit yet far more difficult to …

Getting rid of collections or old debt on a credit report can be incredibly challenging. Although it has been estimated that over 78% of credit reports have errors, there is very little incentive for a …

Parents often want to shelter children from the worries of the adult world. In many houses, things like bills, mortgages, and salary are not openly discussed. While children are not capable of understanding all of …

There are many practical ways to get out of debt. If you are determined to eliminate your debts, then you also have the right to choose from several ways on how to do it. One …

Credit is clearly one of the more important things in your life. If you have good credit you are going to have the inside track to things like homes and cars. If you have bad …

Repairing Your Credit and Identifying Credit Scams Many people every year get taken advantage of the thousands of scam artists that prey on distressed consumers in need of credit repair. They advertise that for a …

Getting out of debt is much like a diet to lose weight. If you want to lose 100 lbs. it will take a defined strategy along with a change in your behavior. Likewise, if you …

People all over the world are struggling to survive and in the process they are making life harder for themselves by getting in to debt to pay for not only their needs like bills, but …

Credit and how credit is reported remains elusive for many people. First, credit is the term used to describe a mutually beneficial transaction between a borrower and a lender. The borrower and lender will agree …

Why do we have a credit card?  Why do we have a debit card?  Why do we have both or either of them?  What can we benefit in them from life?  I am pretty sure …

Ok, please read because I write this from plenty of experience with bad credit. First of all everyone says “when the bill comes I just pay it” and I bet a lot of them do, …

The path to financial freedom can be realistically attained through action planning. The solution to a debt problem varies for each individual’s circumstance; however you can learn how to calculate the best method to pay …

Long gone are the days when people save up cash under a mattress to buy the items they desire. Credit is a part of life in this higher-purchase society, and few people really live without …

Identity theft isn’t just on the rise anymore- it is soaring. According to the Federal Trade Commission (FTC) an estimated 10 million people fall victim to identity theft each year in the United States alone, …

If you’ve never had your own credit card (in your name), it can be difficult to get a car loan or credit card. Having no credit history can be as much of a problem as …

Debt settlement and debt consolidation are two of several ways to resolve your financial difficulty. Although both aim to help you get rid of your debts, they work differently.   Debt settlement or debt elimination …

Oddly enough, large amounts of consumer credit is a relatively new phenomenon. Our great grand parents thought debt was a sin! 100 years ago credit was considered stupid, and now it’s a necessary part of …

*Credit Expert* -Summary- Credit Expert is an online information company that collects credit history from individual financial business lenders . Credit Expert is part of Experian they hold vital information regarding your credit worthiness, and …

Depending on the amount of debt you have and your other obligations, having a small income can cause some financial strain.  If your goal is to pay off your debt, but you do not know …

Manage Your Credit Report We live in a credit based society. It is nearly impossible to go through this life without credit. It can probably be done with great effort. In this day and age …

Reasons why you should keep your credit card in your wallet. This article is not about keeping your credit card in a certain place to reduce spending temptation or debt temptation, rather this article is …

Most of the companies that claim they can improve your credit report are scams. For those legitimate companies that actually provide the service and charge a fee, they aren’t doing anything that you could not …

Companies that offer consumer debt advocates will work on managing your finances together with your businesses that are in significant debt. Problems dealing with debt are results of overspending, job loss, medical emergencies, and other …

Did you ever wonder how it is you can go online and be approved for credit within 30 seconds? How about getting pre-qualified for a car without anyone asking about your income?Why do you get …

When a thief steals your identity, one of the main ways he or she can hurt you is to obtain credit in your name, credit for which you will then be responsible.  A credit freeze …

The procedures as to how to avoid credit cards that do more harm than good are not particularly straightforward. Every credit card on the market differs from another in some way and there are a …