Deciding to file bankruptcy will be one of hardest decisions you will ever have to make. Probably, one decision you thought you may never have to make. The reality is, in America thousands of people file bankruptcy every week. That’s an incredible amount of society in financial burden. No one wants to file bankruptcy, yet … Continue reading Filing Chapter 7 Bankruptcy
The cost of college is devastating to most families. According to The College Board for inner state residence to attend a 4 year college, the average tuition has been rising dramatically. Luckily, parents and students can apply for financial assistance or student loans. The only problem is that there are so many different types of … Continue reading Applying for Student Loans
We’ve all seen the ads – 0% interest and zero payments for an entire year! It all sounds so good. You get to buy and have something right now and not have to make a single payment for many, many months. If you have been considering such an offer, hopefully, you have also read the … Continue reading What Zero Percent Financing Really Means
Unless you have the available cash, you will be financing your real estate purchase. That means applying and qualifying for a mortgage loan. In doing so, you will undoubtedly be faced with the realities of your credit score. But what is a credit score and what part does it play in your mortgage loan process? Here are the answers … Continue reading What’s your Credit Score?
First face the facts. You missed payments or made late payments to the credit card company. You need a loan now or will want one in the future but your credit report doesn’t show that you are the best risk for a potential lender. So what to do? You could try to bury your head … Continue reading Credit Repair: Crafting a Letter For Improved Credit
If you’ve recently applied for credit or a loan and have been denied, do you know why? It might be worth taking a look at your credit report to see just what potential lenders are going to find on your report. In fact, you are entitled to a free credit report within 60 days if … Continue reading Six Steps to Fixing Errors on your Credit Report
Whether you’re in debt because you’ve overspent on your credit cards, or because you’ve taken out too many loans to fund your consumer spending lifestyle, the time has now come to accept the cold harsh reality of what you’ve done: you’ve spent more than you’ve earned! But, don’t beat yourself up over this too much, … Continue reading 5 Ways to Repair your Bad Credit Rating
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
Credit card debt is at an all-time high, and more people than ever are burdened with more debt than they can possibly repay in a reasonable amount of time. While part of this is due to simple overspending, part of it is due to the fact that credit card debt carries some of the highest … Continue reading Finding the Best Credit Card Offer
Credit cards are a great concept but they end up bringing financial ruin to many people because they do not use them properly. Too many people get a credit card and then find that it is maxed out within twelve months. Then for the rest of its existence they end up paying off interest and barely making … Continue reading Using Credit Cards — Advantages and Disadvantages
If you are one of millions of people who have managed to maximize the limit on their credit card and are now living the nightmare of wondering how you can eliminate your credit card debt, worry no more. By simply following our 5-point credit card debt elimination plan, you’ll be able to take back control … Continue reading “Goodbye” to 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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