Learn important tips on how to build credit by using credit cards and loans responsibly, how to maintain good credit by making payments on time and keeping credit utilization low, and how to monitor credit reports to ensure accuracy.
Paying for college is stressful in any situation, but with economic hard times facing many people, it becomes even more important to look for options that can help you to get your college student through school, or help you to pay for your own schooling costs. Keep in mind, the competition for resources to pay … Continue reading Options for Paying for College: Loans and Grants to Consider
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
Most governments recognize the importance of post-secondary education, not only for the students who work so hard to graduate from college or university, but also for the welfare of the country itself. An educated population is a valuable asset for any nation, as it ensures growth, prosperity, and stability. It is for this reason that … Continue reading The Problem of Unpaid Student Loans
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
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
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
If you are like two-thirds of the population, you have no intention whatsoever of making repayment of your credit card in full at the end of each statement period, then the choice of credit card that you make will likely have a large impact on how you manage your credit card debt. As such, making … Continue reading Picking the Best Credit Card
These days, it is very common for people to max out on their credit cards and other sources of debt. The more you seem to use your credit cards and build debt, the more new credit card offers you receive. As the debt builds, it gets more and more difficult to eliminate. Larger debt means paying higher … Continue reading Reducing your Credit Card Debt
Most consumers find that at one time or another some kind of credit or financing is needed for major purchases. In today’s financial environment, even though credit is not as easily available, when available it is easy for individuals to accept more credit than they can handle. It is for this reason that many financial … Continue reading A Secured Loan is an Insured 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?
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