The Credit Report

A credit report is a record of your debt paying history. This includes your history paying credit cards, mortgage loans, student loans, car loans, department store credit cards, etc. The credit reports are compiled by companies called credit bureaus. The credit bureaus write your report based on information they get from companies that gave you credit in … Continue reading The Credit Report

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5 Reasons Why You May Want to Consolidate Your Credit Card Debt

If you didn’t already know it, we now live in a consumer society driven by easy short-term unsecured debt. Most of this is denoted in the form of credit card debt, with nearly all of us having to-hand more than one credit card on which to call when the kids want those new sports shoes. … Continue reading 5 Reasons Why You May Want to Consolidate Your Credit Card Debt

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Who Should Apply for a Personal High Risk Loan?

The fact of being classified as a high-risk borrower can come as a shock to many people, and, to say the least, the implications of such a designation can be far-reaching for a person’s financial options. Even though the high-risk label usually results from a bad credit rating, it can be assigned for other reasons … Continue reading Who Should Apply for a Personal High Risk Loan?

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Repairing Your Bad Credit Record

A bad credit record can be a serious handicap for the consumer in today’s world, because it places such severe limits on a person’s financial options. Almost everyone requires some kind of credit at one time or another, usually in the form of personal loans or credit card purchase, but a bad credit rating can … Continue reading Repairing Your Bad Credit Record

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The Role of a Debt Counselor in Debt Management Programs

Seeking a consultation with a debt counselor is often cited as being an effective means of combating your debt management concerns. However, more often than not, the role of a debt counselor, in the debt management process, is an elusive one to all but those who have gone through a debt management program. With this … Continue reading The Role of a Debt Counselor in Debt Management Programs

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