Disputing information on your credit is not as hard or as complicated as most people think it is. We all think oh my goodness I have to deal with the credit bureau. First thing that …
The U.S. Federal Trade Commission busted a long time scam where offshore thieves stole millions of dollars from consumers over a period of four years until they were stopped in 2010. This scam was thievery …
Do you know what is in your credit report? You don’t have to get collection calls and letters from lawyers for there to be potentially damaging information about you there. It’s something that you need …
A lot of people casually borrow money based on need or because that’s what everyone does. Nobody saves up and pays cash for a vehicle anymore, instead they just finance their new vehicle so that …
JDC Insite: Identity theft and credit card fraud can happen to anyone at anytime. Have you taken the time to secure your accounts? Probably not. “Unfortunately, I, an attorney, have firsthand knowledge because my wallet …
Many of you may experience financial difficulty at one point in your lives. In fact, there may be a time when there are more bills than money. In this situation, you have to make a …
Are you on your way to being married? If you are already married, do you have disagreements with your mate over how to spend and invest your money? It is important for you to be …
Good credit is very important these days, especially now that banks are so loathe to lend out money. If you have good credit, you will have access to more loans, better interest rates on those …
We have all been there. Meekly hunched under a small fortune of one type of debt or another, telling ourselves, “When I get this paid off, I am never using credit again!”. Bold words coming …
A common misconception exists that negative comments will be wiped from your credit bureau record within 7 years. Although payment records, good or bad, may be eliminated within that time period; bankruptcies and judgments may …
Though it can be a daunting task, as a consumer you can easily perform bad credit repair for yourself without the hassle of hiring and paying for an outside resource to do it for you. …
It would appear that authorized users on someone else’s credit card have all the advantages. They aren’t liable for any debts on the card, even their own, and can happily ‘piggyback’ on someone else’s good …
Credit monitoring is probably one of the most important things that an adult can do once they have credit. Without monitoring your credit on a regular basis you are setting yourself up for all sorts …
Credit Card or Debit Card? Use the Power Tool! Are you savvy and shrewd with your method of paying for your purchases? The majority of us are consumers who regularly spend money in one fashion …
The best way to indicate whether or not a person is going to repay a loan is to see what their credit score is. A good credit score indicates that a borrower has had a …
For more than a year now, the news has been dominated by two words: credit crunch. Every mention of those words conjures up gloomy thoughts of bankruptcy, rocketing prices, and mass redundancies. It seems there’s …
Keeping a healthy credit score is extremely important for your financial future. There are many things that the credit rating agencies are looking for when rating your credit score. They look at the overall amount …
Accumulating a large amount of debt takes time. Basically, you have to engage in poor financial decision making for a number of months or even years before your debt becomes too large to control. You …
Getting into debt when you are a student is very easy. This is the first time that you are asked to manage your personal finances all by yourself. Since you lack experience, in all probability, you are …
Talk about bad luck, negative comments can stay on your credit report for upwards of 7 years. The problem with this isn’t only how long negative comments remain there, it is that many people are …
Identity theft is rampant. It seems that everywhere you look, somebody has had their identity stolen. Just recently, I saw a news story on the Orange County news about a pair of individuals that were …
Are you sick and tired of fighting unsecured debt? Have you been struggling with budgeting struggles? Did you lose your employment? If you are self employed, has your organization suffered due to the weakening economic …
A drastic move to thwart potential credit fraud from someone who has stolen your identity is to put a credit freeze in place, such that potential creditors will be blocked from access to your credit …
Credit and financial problems is an ever growing problem in today’s society. With how expensive things are, what with a house, car, insurance, gas, children, food, supplies, bills, repairs and other non-planned expenses, things can …
Fake credit reporting companies are becoming a major problem not just in the United States, but all over the world. These credit reporting companies are taking advantage of your good faith and good credit and …
Nowadays, it seems most of us are striving to be debt free. However, in today’s world, there are many things that will keep us from being debt free. For example, to get a tertiary education, …
In this day and age it is important to have good credit if you want to buy a large ticket item for your home, or if you want to get a new vehicle and more …
If you struggle to make your salary last from one pay day to the next, and that last week before your next pay check feels like about six months then you’re in good company. A …
A credit score is a measure of your credit-worthiness and is based from an analysis of your credit files. Despite popular misconception, your credit score is not a set figure but changes depending on the …
Do you know how much debt is too much? George S. Clason, the author of “The Richest Man in Babylon” said “All men are born with more desire than they can justify.” Maybe it’s time …