Consumer Credit Counseling and Debt ConsolidationConsumer Credit Counseling and Debt ConsolidationCredit-debt-consolidation.net Credit counseling, debt consolidation and credit card help through financial education and debt management Articles
Credit Card Security Advice
2008-04-07 00:00:00 Which of the following is the biggest threat to your credit card security? a) Shopping online with a credit card b) Shopping in a real store with your credit card c) Ordering something over the phone with your credit card The answer may surprise you. It's b - shopping in a real store with ... More About: Security , Advice , Card , Credit , Credit Card
How To Get a Low Interest Credit Card
2008-03-07 00:00:00 Consumers often have the first credit card that they ever applied for, never really analizing how the interest rate affects their payments, but many other options exist and can help consumers decrease their payments and achieve financial stability. With interest rates on some credit cards rising to over 23%, even low ... More About: Card , Credit , Credit Card , Interest
Mortgage Refinance SOS - The Most Heinous Mortgage Mistakes
2008-02-19 00:00:00 If you are shopping for a mortgage loan there are a number of mistakes that can cost you thousands of dollars. Here is all you need to know to avoid making common mortgage mistakes. Shopping for a new mortgage can be an intimidating task. If you don?t research mortgage lenders and ... More About: Mortgage , Refinance
Stop Debt Collectors
2008-01-11 00:00:00 Can you stop debt collectors ? . . .You better know you can You can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If ... More About: Stop
How To Pay Credit Card Debt Off
2008-01-11 00:00:00 If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate. The quickest way to take back control of your finances is to pay credit ... More About: Credit Card Debt , Card , Credit , Debt , Credit Card
A Debt Elimination Process Must Be Initiated From You.
2008-01-11 00:00:00 The first and maybe most important step in a debt elimination process, is to acknowledge there's a problem and realize that something has to be done with your situation. Some do it before it is too late, though an asthonishing number of people seem to act as if this is ... More About: Debt , Elimination , Process
The First Step To Getting Out Of Debt: Make The Commitment!
2008-01-11 00:00:00 These days, getting into debt is easy. Unfortunately, getting out of debt is not so simple for most people. But you can do, if you go about it the right way. The first - and by far the most important step ? to getting out of debt is to MAKE A COMMITMENT! Personally, ... More About: Debt , Commitment , Make , Step
Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief
2008-01-11 00:00:00 Do You Need to Join a CCCS - Consumer Credit Counseling Service ? Are you in a "debt hell"? If you are unsure, ask yourself these questions: Do you have bill collectors calling you and home and at work, leaving annoying messages? Are you afraid to open the door in the morning ... More About: Debt Relief
How to Evaluate and Raise Your Credit Score
2007-12-26 00:00:00 Why do some people get offers for pre-approved credit cards and others don't? What do car dealers know about your financial health that you don't know? The answer is your credit score. Your credit score is a number generated by a mathematical formula to estimate how likely you are to pay ... More About: Credit , Score
Minimum Credit Card Payments to Rise
2007-12-26 00:00:00 For years, major credit card companies have allowed cardholders to make minimum payments of 2% of the outstanding balances on their credit cards. Having customers pay the minimum doesn't reduce the balance by very much, but when the 18-30% interest rates that many credit cards charge is applied, the result ... More About: Card , Credit , Credit Card , Rise , Minimum
Credit Report ? How Your Credit Score is Determined
2007-12-26 00:00:00 Most consumers are aware that they have something known as a credit report that is used to determine whether or not they would qualify for a loan. Fewer are familiar with the FICO score, a creation of the Fair, Isaac, and Co. which distills their entire credit report down to ... More About: Credit , Report , Credit report , Score
Dealing With and Repairing Bad Credit
2007-12-26 00:00:00 Bad credit can be a burden for otherwise good credit. It may not seem fair at times that financial mistakes in the past can haunt you in the present, but with a little bit of work and some time bad credit can be turned around and repaired. The important thing to ... More About: Credit
Discover the Parts of a Credit Report and What They Mean
2007-12-26 00:00:00 So you ordered a copy of your credit report to check for inaccuracies and get the most from your credit score. Now how do you read it? Your credit report is read and used by any number of people you deal with on a daily basis, from your landlord to ... More About: Credit , Report , Credit report , Parts , Discover
Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Person
2007-12-26 00:00:00 Identity theft is the fastest growing crime according to the Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft. An all-too-common example is when an identity thief uses your personal information to open ... More About: Mail , Phone , Card , Credit , Online
Credit Repair, How To
2007-12-26 00:00:00 Credit repair, is in a word, vital to reestablishing your credit. Unless you plan to never use your credit again, then you have to find a way to fix it. In the world we live in, having credit available to you is important, even if you don't use it regularly. What do ... More About: Credit Repair , Credit , Repair
Figuring Out the Ever Nebulous Numbers Called Credit Scores
2007-12-26 00:00:00 Credit Score Factors The information contained on our credit reports affect every aspect of our lives; including employment, insurance, and even interest rates (mortgage, credit cards, automobiles, etc.). There is specific information captured on our report which is used to form our credit score: More About: Credit , Numbers , Scores , Number
The FICO Score Misconceptions
2007-12-26 00:00:00 There are many misconceptions about credit scores out there. There are borrowers who believe that they don't have a credit score. There are others who think that their credit scores don't really matter. These sorts of misconceptions can hurt your chances of gaining employment, obtaining preferred interest rates, and even ... More About: Score , Misconceptions
What is the Check 21 Act?
2007-12-26 00:00:00 Check 21 is the common name for the Check Clearing for the 21st Century Act. It's new legislation that was recently passed by congress and made a law when signed by the President of the United States (remember "I'm just a bill" from Saturday morning cartoons). Check 21 basically streamlines ... More About: Check |
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