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The Top Ten Actions That Can Hurt Your Credit Score

November 21, 2009

In a nutshell, your credit score represents your financial grade so to speak. It basically shows how well you've managed your credit. This magic number is how creditors and lenders decide if you are worthy to receive credit or a loan.  Here is a list [ ]...
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How To Cut Credit Card Debt Once And For All

March 6, 2010

Statistically speaking 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 simple thing to do when we are in a bind is to whip out the credit card, right? So [ ]...
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Does A Credit Card Charge-Off Affect My Credit?

December 12, 2009

Many people are under the impression that when a debt has been charged-off that it’s been canceled by the creditor. This is the furthest thing from the truth. The fact remains you're still responsible for paying off the debt. And although you're [ ]...
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Understanding Your Credit Card Rate And How It Affects Choosing A Credit Card

January 16, 2010

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 [ ]...
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Direct Student Loan Consolidation May Help Young People Keep Good Credit

February 20, 2010

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 [ ]...
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Some Credit Card Companies Are Increasing The Minimum Monthly Payment

December 5, 2009

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 [ ]...
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Can Bad Credit Affect Getting A Home Equity Line Of Credit?

November 14, 2009

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. [ ]...
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How Much Credit Can You Actually Afford?

March 13, 2010

There many factors you should think about before making the decision to add more debt to your current financial situation. Above all you should begin with the following  prerequisites before you get that new credit card or car loan: Make sure adequate [ ]...
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Purchasing A Home After Bankruptcy Can Be Easier Than You Think

February 20, 2010

Going through a bankruptcy can be a long agonizing process. You've to wait years before you're able to even think about getting your credit back in good standing. The day finally comes when that pesky bankruptcy drops from your credit report and you're [ ]...
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Tips On How To Rent An Apartment With Bad Credit

November 14, 2009

Renting an apartment or home can be tough if you have bad credit. Most landlords and apartment complexes will check your credit to decide whether or not you are a good candidate to rent to. Different landlords have different credit requirements. Some [ ]...
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Quick Ways To Get Your Your Money And Debt Under Control

January 30, 2010

If you are struggling with money and debt here are some things you can do to help. Admit to yourself that you have too much debt. It is very simple to struggle each month without getting a grip on the problem. If you're spending more than 10%-15% of your [ ]...
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What Is A Bad Credit Home Loan And How Do I Get One?

November 28, 2009

A "bad credit home loan" is a loan that one can get despite having a bad credit rating. Many lenders offer a bad credit home loan knowing fully that their loan is secure, since it is taken on mortgage of your home. A bad credit home loan is an instrument [ ]...
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The Statute of Limitations On Debt Can Help Debtors Avoid Paying Creditors

January 16, 2010

Many people in debt can attest to the fact that they get countless calls and letters from collectors looking for money. Your debt can get tossed around from one collector to another. So when does the cycle ever stop? Debts have a statute of limitations [ ]...
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Federal Reserve Chairman Says Moving Up Credit Card Rules Might Hurt Consumers

March 8, 2010

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 [ ]...
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The Dos And Donts On How To Raise Your Credit Score

March 13, 2010

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 [ ]...
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