Securing The Best Debt Consolidation Loan

If you are like most people in debt, the initial thought of a debt consolidation loan might not be all that enticing and it can be confusing. At a glance, it sounds like just another loan that you really don't need on top of all your other debt. But what [ ]... 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 >>

How Much Credit Can You Actually Afford?

There many factors you should consider before making the decision to add more debt to your current financial situation. Above all you should start with the following  prerequisites before you get that new credit card or car loan: Make sure sufficient [ ]... Read More >>

What To Consider When Shopping For An Auto Loan With Bad Credit

Consumers with bad credit looking for an auto loan can be overwhelmed with advertisements from finance companies looking to give them a bad credit loan. While many of these lenders are accurate in their ads about their bad credit auto loan options, there [ ]... Read More >>

Purchasing A Home After Bankruptcy Can Be Easier Than You Think

Going through a bankruptcy can be a long agonizing process. You have to wait years before you are 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 [ ]... Read More >>

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 >>

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 >>

Why Use A Credit Card When There Are Alternatives

Are you one of those people who only ever got a credit card for the convenience of being able to pay without cash, or because you weren’t aware of any other easy way to borrow money? Millions of us are, thanks to tons of advertising by the credit card [ ]... 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 >>

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 >>

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 >>

Using A Payday Advance Loan Wisely: A Case Study

You came up short on the rent this month and have been seeing those tv ads about payday loans. Sounds easy enough, right? Well if you're  thinking about taking out a payday advance loan here's a real life case study that may help you avoid the common [ ]... Read More >>

Top 10 Credit Card Mistakes

Many of us who have a credit card have never been taught the do’s and dont’s of owning a credit card. Some of it might seem like common sense but you would be surprised at what many people don’t really know about credit card ownership. [ ]... Read More >>

The Top Ten Actions That Can Hurt Your Credit Score

In a nutshell, your credit score represents your financial grade so to talk. It basically shows how well you have managed your credit. This magic number is how creditors and lenders decide if you're worthy to receive credit or a loan.  Here is a list [ ]... Read More >>