Credit Articles

Pregnancy and Family Planning » Credit | By Stephen Chua @ Friday, 21st November 2008

Credit repair can be a tedious process and you may tempt to take short cuts here and there. This is where mistakes are being made which can cause you to delay the progress. Here are three mistakes that you take note and avoid: 1) Not taking the trouble to track your progress Many people went about repairing their credit without proper planning and [more...]

Pregnancy and Family Planning » Credit | By Shawn Wilson @ Thursday, 20th November 2008

It seems that it isn\'t bad enough that we are in a recession, it\'s not bad enough that this economic disaster is primarily being blamed on the bad lending arrangement between the banking and lending sectors, it isn\'t bad enough that major banking institutions are dropping off into bankruptcy and loosing millions of dollars. So what do the major banks do? [more...]

Pregnancy and Family Planning » Credit | By MIKE SELVON @ Thursday, 20th November 2008

Last year, Consumer Credit Counseling Services held 950 workshops for more than 25,000 people on topics such as, Budgeting Basics, Avoiding Scams, Credit Reports and Scores, Managing Credit [more...]

Pregnancy and Family Planning » Credit | By Tony Anderson @ Thursday, 20th November 2008

Being plagued with debt collection calls is a miserable experience. It\'s bad enough when they call you at home in the evenings, or on your mobile phone. Calls at work, calls to family and friends...it can feel like you\'ve lost control. Want to stop these harassing collection calls? Arm yourself with some key facts about debt collectors and your [more...]

Pregnancy and Family Planning » Credit | By Adir Le @ Wednesday, 19th November 2008

In these hard economic times debt problems abound. It is important to know that even if you feel like the world is falling in on you and you feel alone in your struggle, you\'re not. Millions of Americans are facing debt concerns and while it may be a long hard road to stability, it is a road that [more...]

Pregnancy and Family Planning » Credit | By Stephen Chua @ Wednesday, 19th November 2008

Getting into debt and having poor credit scores are often the result of poor financial habits. Thus it is imperative that you start cultivating good financial habits as early as possible. Here are three of them that you can start learning immediately: 1) Learn to budget Most debt issues are caused by over spending. This is where a budget can help. A [more...]

Pregnancy and Family Planning » Credit | By Charles Bretz @ Wednesday, 19th November 2008

A person can get an idea on the bankruptcy assets along with personal assets and also on the postings of asset sales which are from bankruptcy estates. There are also bankruptcy trustees, debtors who are in possession of such assets and those who have the authority to sell the assets by an appropriate US bankruptcy court. The sites that [more...]

Pregnancy and Family Planning » Credit | By MIKE SELVON @ Wednesday, 19th November 2008

Todd Ossenfort, chief operating officer at Pioneer Credit Counseling, says that credit repair is a matter of time and patience. He often fields letters from people who complain that their credit scores don\'t increase after they pay their debts off. Delinquent account holders cannot expect a magic wand to remove those blemishes overnight; instead, the late payers will have to [more...]

Pregnancy and Family Planning » Credit | By Chris Kennelly @ Tuesday, 18th November 2008

Creditors utilize your credit score to ascertain the level of risk you may represent if they granted you a line of credit. This line of credit may take the form of a monetary loan, an account for purchasing furniture or related issues or something like a credit card. Your credit score is allocated by a credit bureau, of which there [more...]

Pregnancy and Family Planning » Credit | By MIKE SELVON @ Tuesday, 18th November 2008

It feels like the walls are closing in when you\'re high in credit card debt. The interest rates and late fees can really make the situation insurmountable, especially if it happens on a few different cards. Suddenly, your $10 minimum monthly payment skyrockets to $400 and you\'re paying $40 late fees, as well as a 19.92% interest rate to boot! [more...]

Pregnancy and Family Planning » Credit | By Stephen Chua @ Tuesday, 18th November 2008

If you are avoiding the telephone because you are getting too many calls from collection agencies or you have no idea how you can repay your bills and loans. You prefer to stay at home and hope things will turn around. Well, if this sounds like you, it is time you seek professional credit help. With millions of people having bad [more...]

Pregnancy and Family Planning » Credit | By MIKE SELVON @ Monday, 17th November 2008

You may have seen the commercials on TV for \"Freedom Debt Relief\" and credit card counseling. These services claim to help you regain control of your life by offering credit card debt reduction. In some cases, they may even be able to repair your credit to a certain extent. In fact, debt counseling has become a $7 billion a year [more...]

Pregnancy and Family Planning » Credit | By Jim Brown @ Monday, 17th November 2008

Many consumers are very interested in reducing debt and consider the balances on several credit cards to be a roadblock to buying a new house, or a luxury boat for use on family vacations. People have taken the benefits offered by lower interest rates to reassess the credit cards in their wallet. Many consumers have turned to the internet to [more...]

Pregnancy and Family Planning » Credit | By Chris Kennelly @ Sunday, 16th November 2008

One usually finds that one has bad credit after applying for a loan or credit account, at which point that application is most likely to be declined. It can be embarrassing at times, especially if one was well and truly unaware of this bad debt information. The negative effects other than the declining of applications, as stated above, can lead [more...]

Pregnancy and Family Planning » Credit | By Stephen Chua @ Sunday, 16th November 2008

The first place to get your credit report is from credit bureaus themselves. Once a year, you can get your report from each of them for free. If you credit or loan application is rejected recently, you can also request a copy of your credit report for free. If you have used up your quota, you can pay a nominal [more...]

Pregnancy and Family Planning » Credit | By Stephen Chua @ Thursday, 13th November 2008

A bankruptcy is the worst negative record you can find in your credit report. Its impact can last for years, as the record will stay in your credit report for up to ten years. You may not be able to get any loans at all during the first few years after you filed bankruptcy. Even if you are lucky to [more...]

Pregnancy and Family Planning » Credit | By Christina Costa @ Wednesday, 12th November 2008

Repairing your credit can change your life. This makes sense, because bad credit sure makes you feel as though life is pretty hard. Take comfort in the fact that you are not the only person who is in debt and their credit is taking a hit. If you are reading this article then you are one step ahead and are [more...]

Pregnancy and Family Planning » Credit | By Christina Costa @ Sunday, 2nd November 2008

Are you like some Americans whose credit is taking a hit right now? Many people are facing unemployment as a result of big business fall outs and budget cuts. It is starting to become a struggle just to find a way to make the minimum monthly payments due. Believe me, I know. People are starting to look for ways to get [more...]

Pregnancy and Family Planning » Credit | By Liz Roberts @ Sunday, 2nd November 2008

The most important details about each individual are contained in their credit reports. This includes their name, Social Security Number, date of birth, driver\'s licenses number, residences, employment history, payment history, and legal records. The credit report is what all lenders look into when considering consumer applications. Whenever you apply or open a new account, the details about it [more...]

Pregnancy and Family Planning » Credit | By Stephen Chua @ Saturday, 1st November 2008

If your have poor credit history, you may want to consider reducing your total credit limit. This will prevent excessive credit from hurting your score. In addition, it can reduce your risk of getting into more debt in the long run. Do note that reducing your credit limit can temporarily cause your debt-to-credit ratio to rise significantly. This means your [more...]