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Improve Credit
Improving your credit can be a difficult process but it is important to take the time and expend the energy to improve your credit score as much as possible. Your credit report and your credit score go a long way toward determining the interest rate you can get on such things as.... [more]
May 2005 | Complete Article
It's Never Too Late to Clean up Your Bad Credit
We understand it may not be your fault you're living with bad credit. Sometimes circumstances arise within our lives that we have no control over. Divorce, death, medical problems, loss of a job; there are innumerable circumstances that can contribute to a bad credit situation.... [more] May 2005 | Complete Article
Stuck With Debt
For many years now, the rate of consumer debt has been growing steadily, year after year. At the same time, rates of personal savings have been declining, thus leaving people with a smaller and smaller cushion to help them through a financial crisis.... [more] May 2005 | Complete Article
Take Your Debt Temperature
One thing our culture has become proficient at is developing measurement systems. We have precise measurements of health like the thermometer to take our temperature and other medical tools so we always know in precise terms how our body is doing.... [more] May 2005 | Complete Article
Five Differences Between Debt Reduction and Credit Counseling
More and more consumers today find themselves in the uncomfortable situation of only being able to afford the minimum Payments on their credit cards. Or, even worse, not being able to afford even the minimum payments. In today's world, it is often easy to get in over your head.... [more] May 2005 | Complete Article
Are you Drowning in Debt?
It is no secret that most people have too much consumer debt. It is all too easy to just sign your name on the dotted line and run that credit card up to the max. Unfortunately, many users of credit cards seem to forget that eventually the bill comes due, and they may be in for a rude surprise when it does.... [more] May 2005 | Complete Article
Credit Repair
As more and more consumers carry more and more debt, it is not surprising that people sometimes find themselves falling behind and unable to make their various payments on time. It is not difficult to ruin your credit by simply missing a few payments.... [more] May 2005 | Complete Article
Debt Management Services Can Help You Out of Your Financial Hole
There is no doubt that being denied credit can be a traumatic experience. Credit denials can range from the merely annoying, like not getting that shiny new credit card, to the truly devastating, like being denied a mortgage on the home of your dreams.... [more] May 2005 | Complete Article
Debt Management Services Can Help You Out of Your Financial Hole
Do you feel overwhelmed by the amount of debt you owe? Do you lie awake at night wondering how you will pay the rent, the car payment or the mortgage. Do you worry constantly about having enough money? Are you constantly being harassed by bill collectors? If you answered yes.... [more] May 2005 | Complete Article
Dealing with High Levels of High Interest Debt
These days having at least one credit card is just about a necessity. From booking a hotel room to buying a plane ticket to renting a car, it is just about impossible to travel without one. Many other facets of everyday life are also made easier and simpler by.... [more] May 2005 | Complete Article
Using a Debt Counseling Service the Right Way
Just like any other service, there is a right way and a wrong way to utilize the services of a debt counseling service. Using these services the right way can allow a consumer to not only get out of debt but to stay debt free for life. Using these valuable services improperly.... [more] April 2005 | Complete Article
Sounds Like a Plan - How to Raise your FICO Score
One of the things we work hard to build up most of our adult life is our credit score or "good credit" as we call it. Like a strong resume or a good reputation, it is something that takes some care to build and maintain. And just like with those other areas of life.... [more] April 2005 | Complete Article
How to Use Debt Consolidation to Lower Your Monthly Payments
The past several years has seen a virtual explosion in the use of credit cards. While credit cards used to only be accepted at certain stores, these days credit cards can be used virtually everywhere, from the gas station to the grocery store to even the fast food outlet down the street.... [more] April 2005 | Complete Article
Credit Checks and Your Job
A trend of running credit checks on prospective employees is starting to alarm job seekers. In recent years an increasing number of employers have begun using credit checks as part of their standard selection process when hiring new employees.... [more] April 2005 | Complete Article
Budgeting Can Be Your Key to Financial Stability
It is no secret that consumers these days are carrying more and more debt. At the same time, personal savings rates have never been lower. It does not take a financial expert to see the problem with this situation. As consumers take on more and more debt..... [more] April 2005 | Complete Article
Using a Debt Consolidation Loan to Get Back on Track
When people find themselves in a financial mess, it is easy for despair and even panic to set in. You may wonder how you will ever pay off what you owe and get back on track. For those in this situation, it is important to take an honest look at where you are and how you got there..... [more] April 2005 | Complete Article
MasterCard-What you Should Know
If you are considering getting a MasterCard or you are having difficulty in meeting your monthly obligations due to credit card debt there are several things you need to know and understand about MasterCard and how a MasterCard works..... [more] April 2005 | Complete Article
Getting Your Debt Under Control
With inflation rising faster than wages for several years now, it is no surprise that more and more people are borrowing more and more money just to meet daily living expenses. While our parents may have only gone in debt to buy their house, and then only reluctantly..... [more] April 2005 | Complete Article
Debt and Its Effect on Marriages
Did you know that the most frequent reason cited for the breakups of marriages is financial problems? It's true. More than adultery, religious difference or difference in values, problems with managing money is most likely to doom a marriage..... [more] April 2005 | Complete Article
Choosing the Right Debt Consolidation Service
It is not hard to get into debt over your head. Even if you are normally very good with money, a sudden job loss or medical emergency can quickly cause your finances to spiral out of control. It is important to know just what you can handle on your own and when to seek professional help..... [more] April 2005 | Complete Article
Knee Deep in Debt
Only a few generations ago, consumer debt was a relative rarity. Our parents and grandparents generation was reluctant to take on debt. For many people in their generation, the only debt was their mortgage, and even that was entered into reluctantly and paid off as quickly as possible..... [more]
March 2005 | Complete Article
How Debt Management Can Help
The past several decades have seen an explosion in the levels of consumer debt. While many of our parents and grandparents went their entire lives without incurring any debt beyond possibly their mortgage, their children and grandchildren seem to be making up for lost time..... [more]
March 2005 | Complete Article
Dig Yourself Out of Debt
As you may have read, the savings rate for people today is at its lowest point in many years, maybe at its lowest point ever. Many people do not even have the two to three months of wages put aside that most financial experts suggest keeping as an emergency fund..... [more] February 2005 | Complete Article
Crushing Credit Card Debt
There is no doubt that the recent decades have been witness to an explosion in levels of credit card debt among consumers. The relative ease of obtaining credit cards, coupled with the anemic growth of wages and the wealth of consumer products available today has pushed more and more people to spend more than they make.... [more]
February 2005 | Complete Article
Budgeting Advice
It seems like everyone is wiling to provide you with budgeting advice. Everyone from dear old dad to old Uncle Morty has something to say about how you spend your money. You may think you know where your money is coming from and where it is going, but if you do not have a written, monthly budget you cannot know for sure..... [more]
January 2005 | Complete Article
Are You Using Credit To Pay Off Old Debt?
If you are stuck with a bunch of old debt and find yourself using your credit cards to finance this debt, you could be doing yourself a grave financial disservice. Using credit to pay off old debt is almost never a good idea..... [more]
January 2005 | Complete Article
Consumer Rights, Consumer Reports
There are scores of consolidation companies targeting
the hundreds of thousands of people that can't seem to keep
the reins in on their credit card spending. Do you feel like
your credit is spiraling out of control? There's no need to.....
[more]
February 2004 | Complete
Article
The
FTC Offers Four Debt Strategies
Many families and households are struggling with daunting
debt digits. The Federal Trade Commission offers four proactive
steps you can take to begin building your ladder out of the
debt ditch.... [more]
December 2003 | Complete
Article
Tracing
Public Debt Through History
The Bureau of Public Debt (BPD) currently estimates
the total outstanding debt of the United States to be $6.9
trillion. $4 trillion of that can be attributed to debt held
by the public, while the remaining $2.9 trillion is categorized
as.... [more]
December 2003 | Complete
Article
Repayment:
The Ins and Outs
The plague of the empty wallet has hit college campuses
across the nation. Students are becoming more and more dependent
on their financial aid and loans to make ends meet while earning
their degree.... [more]
November 2003 | Complete
Article
Education's
Price Tag
A recent study released by Nellie Mae, the nation's
largest nonprofit provider of student loans, reported that
"the average debt for student borrowers who went to public
four-year colleges was $13,000, compared with $17,500 for
those who went to private colleges." [more]
October 2003 | Complete
Article
Where
Tuition Ends, Debt Begins
The plague of the empty wallet has hit college campuses
across the nation. Students are becoming more and more dependent
on their financial aid and loans to make ends meet while earning
their degree.... [more]
October 2003 | Complete
Article
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