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 >>

Getting The Best Student Consolidation Loan After Graduation

In American society, as well as many others, a college education is one of the cornerstones of moving from childhood to adulthood. Many of us even continue our higher education well into adulthood. A college education is deemed valuable as it provides [ ]... Read More >>

Smart Ways To Spend Your Tax Refund

An income tax refund can never come at a bad time. The only hard thing about getting free money is deciding how to spend it. You could always blow it on some gadget you’ll forget about in a month. Or, you can spend your tax refund on something that'll [ ]... 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 >>

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 >>

Federal Reserve Chairman Says Moving Up Credit Card Rules Might Hurt Consumers

Congress is considering moving up the effective date of the new credit card rules from February 22, 2010 to December 1 this year. But, according to Boston Herald, Federal Reserve Chairman Ben S. Bernanke has warned Congress that moving up the rules could [ ]... Read More >>

Many Credit Card Companies Now Offering To Cut Credit Card Balances

According to the NY Times, many credit card companies are now willing to settle with card holders over delinquent balances. As the economy sinks deeper and deeper into financial woe, credit card companies would prefer get what they have the ability to [ ]... Read More >>

Sub-prime Home Loans Could Help Those With Bad Credit

You have just seen the home of your dreams but you've had credit problems. The ability to find home loans with bad credit can be difficult but not impossible. Previous to 1990 if you did not qualify for a FHA or VA home mortgage it was very hard to [ ]... Read More >>

Don’t Fall for iPad Credit Card Scams

If you want the new iPad, but don’t want to pay $499 for it, those Facebook ads about an iPad beta test or a iPad contest prize might sound attractive. The ads claim you can get a free iPad and all you've to do is give out your credit card number [ ]... Read More >>

Eliminate Your Debt Faster With Debt Stacking

You pay the minimum on your credit cards and it still seems like you'll be paying on them forever. You feel like a sinking ship. It seems more you try to pay on your credit cards and debts the more interest and late fees the creditors tack on. This can [ ]... Read More >>

What There Is To Know About Debt Consolidation

Debt Consolidation is the process of bringing together ones debts from various sources and consolidating them into one single debt usually at a lower rate of interest. The resultant single debt is also known as a debt consolidation loan. This process [ ]... Read More >>

Bad Credit Pay Day Loans - Good Deal Or Buyer Beware?

Bad credit payday loans sound like the answer consumers with bad credit have been looking for? It sounds to good to be true. So is there any harm in getting a payday loan? Lets check some of the facts before we get too excited. Why Use A Payday Loan? Some [ ]... Read More >>

Resources from the National Foundation for Credit Counseling

The National Foundation for Credit Counseling (NFCC) offers free and paid resources for consumers dealing with debt, credit issues, and foreclosure. Keys to Homeownership, $15.95, discusses the home buying and paying your mortgage. Better Fortunes, $15.95, [ ]... Read More >>

How To Make Sure You Get The Best Auto Loan

Lets face it. Everyone needs transportation and not everyone can pay for a vehicle outright. Many cant even afford a monthly automobile note. But everyone at some point in their life has to make the tough decision of getting a car loan. Pick the wrong [ ]... Read More >>

The 6 Worst Things To Have Appear On Your Credit Report

Everyone at some point has made a mistake when it comes to their credit. Whether it was intentional or accidental, some mistakes are so detrimental you would never want them to appear on your credit report.  Future creditors and lenders use your credit [ ]... Read More >>