Some Credit Card Companies Are Increasing The Minimum Monthly Payment

You probably heard about the current changes Chase made regarding its 3% increase in their monthly minimum payment for certain credit cardholders.   While you might not own a Chase credit card that does not mean it cant affect you soon. More credit card [ ]... Read More >>

The Dos And Donts On How To Raise Your Credit Score

With all the hype behind raising credit scores these days, it seems more and more people are trying anything they can to help raise their credit score. After all, a higher credit score means lower interest rates and lower payments, which ultimately means [ ]... Read More >>

Direct Student Loan Consolidation May Help Young People Keep Good Credit

Student loans are two-edged swords. Without them, you couldn’t pay for that degree you worked so hard for. On the other hand, without them, you might actually get to keep the amount you pay out each month for yourself. You might get to pay your other [ ]... Read More >>

How To Cut Credit Card Debt Once And For All

Statistically talking many Americans have too much credit card debt and its only getting worse in our current economy. The truth is we spend what we don't have and the easy thing to do when we are in a bind is to whip out the credit card, right? So how [ ]... Read More >>

Quick Ways To Get Your Your Money And Debt Under Control

If you're struggling with money and debt here are some things you can do to help. Admit to yourself that you've too much debt. It is very easy to struggle each month without getting a grip on the problem. If you are spending more than 10%-15% of your [ ]... Read More >>

How To Respond To A Rate Increase On Your Credit Card

Credit card companies are notorious for  increasing interest rates.  By law credit card issuers have to send you 15 days notice before increasing your interest rate. What you might not know is you dont always have to accept the higher rate. Here [ ]... Read More >>

Bankruptcy Versus Credit Card Debt Settlement: Whats The Right Choice?

If you, like many others, use your credit card to purchase any and everything you want, then you might find yourself with tons of credit card debt and no way to dig yourself out of your financial hole. Many people that get credit cards spend way above [ ]... Read More >>

Can Bad Credit Affect Getting A Home Equity Line Of Credit?

Bad credit can increase the difficulty that a homeowner encounters when seeking a home equity line of credit. Bad credit can be the reason for a poor credit score. What is a credit score? The credit score varies between the values of 300 and 850. [ ]... Read More >>

Debt-Proof Living: The Complete Guide to Living Financially Free

There are plenty of heavily pedigreed personal-finance experts dishing out good advice, but not many who know what it’s like to have to eat ramen all month to make a automobile payment. On the other hand, there’s Mary Hunt, a recovered [ ]... Read More >>

What To Look For If Your Credit Card Application Gets Rejected

So you've applied for a credit card and have been waiting and waiting only to hear your application has been rejected. Your first thought is it must be my credit. This is possible but there are other reasons that you might not have thought of. Let’s [ ]... Read More >>

A Cease and Desist Letter Can Keep Debt Collectors From Contacting You

Are you sick of debt collectors calling you at all times of the day and night? It can be very stressful to have to deal with these harassing phone calls. Would you like to cease these debt collectors from calling you ever again? A cease and desist letter [ ]... Read More >>

How Late Credit Card Payments Affect Your Credit

Are you in the habit of not paying your credit card bill on time? Sure missing your due date by one or two weeks might not seem like a large deal but to your creditors it certainly is. You credit card company probably wont even call you to tell you you [ ]... Read More >>

How To Pick The Best Debt Negotiation Company

If you are in debt then you might have looked into trying to consolidate your debt. You might have even thought about trying to negotiate your debt down to a lower balance. Fortunately, there are lots of companies that can help you negotiate your debt [ ]... Read More >>

Ten Step Guide To Buying Your First Home

Buying your first home can be very exciting and perhaps even overwhelming. There are many things you need to know before you take the plunge of homeownership. Buying a home will depend on real estate laws and customs where you're located but there are [ ]... Read More >>

Understanding Your Credit Card Rate And How It Affects Choosing A Credit Card

The credit card rate is the most publicized thing in the world of credit cards. A lot of people just compare the credit card rate of various credit cards and just go for the one that is offering the lowest credit card rate (Annual Percentage Rate or APR [ ]... Read More >>