Tips On How To Apply For A Credit Card With No Credit History

Its odd that not only will bad credit work against you when applying for a loan or a credit card, but no credit will too.This doesn't seem fair right? But this is the way things work in the complicated world of consumer credit. Lenders are cautious about [ ]... Read More >>

Purchasing A Home After Bankruptcy Can Be Easier Than You Think

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 [ ]... 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 >>

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 >>

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 >>

The Top Ten Actions That Can Hurt Your Credit Score

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 [ ]... Read More >>

Ten Step Guide To Buying Your First Home

Buying your first home can be very exciting and perhaps even overwhelming. There are several 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 are located but there [ ]... Read More >>

The Statute of Limitations On Debt Can Help Debtors Avoid Paying Creditors

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 [ ]... 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 >>

How To Make Sure You Get The Best Auto Loan

Lets face it. Everyone needs transportation and not everyone can pay for a automobile 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 automobile loan. Pick [ ]... Read More >>

10 Steps To Improve Your Credit

Bad credit can be stressful and costly. As hopeless as the situation might seem, bad credit won’t last forever. Here are 10 things you can do right now to start to improve your credit score. 1. Stop using your credit cards In a bad credit situation, [ ]... Read More >>

Does A Credit Card Charge-Off Affect My Credit?

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 [ ]... Read More >>

Quick Ways To Get Your Your Money And Debt Under Control

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 [ ]... 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 may 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're [ ]... 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 >>