Do you feel like your credit card debt is out of control? If so you are not alone. According to a study by indexcreditcards.com, the average adult American is carrying over $3,700 in credit card …
When trying to improve your debt situation, paying a fee for anything definitely isn’t going to help you out. These companies that charge a fee to manage your debt aren’t actually doing anything to help …
freecreditreport.com 7 day FREE trial is actually a scam to get your credit card number and charge you a monthly fee as stated by new members. So far this company has been faced with over …
The Fair Credit Billing Act (FCBA) was enacted in 1974 as an amendment to the Truth in Landing Act. The FCBA protects consumers from unfair credit and charge card billing, and provides ways to contest …
When you become unemployed, your first concern is how to deal with day-to-day debt without having to give up anything like your home or your car. There are things you can do to deal with …
You may not realize it, but your credit score means a lot to your life. Whether you are trying to get a loan, cell phone or even a job, if you have bad credit you …
Finding resources for free credit help are easy to find, but who do you trust? In the United States the free Consumer Credit Counseling agencies have been under investigation and the Internal Revenue Service has …
Credit scores, also known as FICO scores, are important because they can affect several areas of your life. Since the original use of credit scores as a financial metric, they have been utilized by more …
Being broke ain’t no joke. Sometimes the best way to get out of a debt is to actually borrow more in the form of a debt consolidation loan. Despite my joking use of the first …
There are three nationwide credit reporting agencies: Equifax, Experian, and TransUnion. The federal Fair Credit Reporting Act (FCRA) requires that each of these companies provide you, upon request, at one free copy of your credit …
Sometimes you’ve gotta take your lumps. The stumbling economy has had a real impact on my life and family on a day-to-day basis. As a tattoo artist, I am sometimes out of the economic loop; …
Growing up in America, most children have heard the phrase, “bad credit or no credit” more times than they can count. Is this the ultimate downfall of our society? Is it possible that this is …
Financial freedom means being able to meet your financial commitments from your earned income and have enough left to do the good stuff in life – vacations, hobbies and treats for the kids. Financial freedom …
Struggling to keep control of personal debt appears to be a common occurrence in this day and age. Unfortunately, with the ‘I want it now’ culture that many people appear to have it embraced, it …
At face value, money management is not all that complex. Most people know that individuals are supposed to spend less than their income so that they can eventually save up for things or keep pace …
If you have poor credit rating, or your score is non-existent due to a lack of having used credit, you may be tempted to get a prepaid debit or credit card. Doing so isn’t a …
The booming economy of yesterday has been replaced with the need to be frugal with spending. Once 2008 hit with the sub-prime fiasco and the start of a new Depression, many families were caught off …
The Nationwide Building Society Select credit card is suited to card holders who want to take advantage of commission free transactions overseas. Frequent travelers and cardholders who use their plastic abroad can take advantage of unlimited commission free purchases overseas. There is …
Obtaining your credit score is far less complicated than many people make it out to be. It is actually one of the easiest things that you can do, especially with the invention of the worldwide …
This is a difficult question to answer because they are often intermingled with the scammers and rip-offs. The biggest problem is the number of advertisements you are exposed to regarding debt problems. Since we are …
Batten Down the Hatches, and Ride Out the Storm So it is, that history will record, that in the Fall of 2008, a financial tsunami hit not only North America, but the waves drenched the …
Do you know what your credit score is? Your credit score is a measuring tool to see how reliable you are when it comes to repaying loans. The higher your score, the better terms you …
Paying bills is not something the deployed service member wants to worry about. There are some options that the service member can look at to make sure they do not fall behind on payments. The …
People get into credit problems in different ways. Too many medical bills that happen too quickly can create a financial crisis. Loss of a job, excessive unavoidable expenses, or just over spending for too long …
Did the financial crisis sneak up on you? Did you see it coming? Did you prepare for it? Yes? No? Sort of? Perhaps I started out better than some people. Last year my wife and …
Having bad credit can cause a lot of unneeded stress in your life. If your like me the hardest step in repairing bad credit is actually doing something to fix your bad credit history. Once …
Do you not have a lot of money? If so, how do you get credit card companies to work with you, or creditors to consider you for a loan? There are ways in which a …
Financial analysts are calling it a financial meltdown; pundits say we are in a recession, but none of these words hit home until you are faced with unemployment yourself. Managing day to day debt while …
Many people end up spending all their money days after they receive their paycheck. They don’t like it, but they can’t help themselves. They wish they could have better spending habits, but they don’t. They …
In this day and age when technology has infiltrated every single part of our lives, can any one of us really say that our identities belong to us? The answer to this question has to …