The Benefits Of Obtaining A 30-year Home Loan

It used to be the first choice of most borrowers, because since the total payments are spread over a longer period of time with the interest rate set for the entire time of the mortgage. 30 year home loan rates are an industry standard but is it the right [ ]... 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 >>

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 are [ ]... 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 >>

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 >>

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 >>

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 >>

The Straight Facts About A Home Equity Loan

In simple terminology, a home equity loan is a loan taken against your house. A home equity loan is also called a mortgage or a second mortgage. Another synonym for home equity loan is equity release schemes. While taking a home equity loan 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 >>

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 >>

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 >>

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 >>

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 >>

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 >>