Is Consolidating Credit Card Debt a Good Idea?
Consolidating a debt is a good idea if you can open a new line of credit to transfer balances at 0% and pay off those balances before the 0% offer expires. However, if you add to the balance after the...
View ArticleThe Top Three Mistakes that Will Quickly Ruin Your Credit
While it takes years to build great credit, it only takes a few months to destroy it. That's why if you are new to the "game of credit" and how it affects your life--or if you are attempting to rebuild...
View ArticleThree Important Tips On How To Safely Use Your Credit Card Abroad
If you travel often, it's almost impossible to reserve hotels, cars and tickets without credit cards. On the other hand and particularly in some countries, using a credit card can expose you to...
View ArticleThe Three Top Priorities of Credit Repair
Making the decision to repair bad credit can be one of the most challenging yet life-changing decisions you will ever make. After dealing with being turned down for credit and hounded by creditors you...
View ArticleWhy Is It Important To Have Healthy Credit
Without a good credit history in today's society, it is difficult (if not nearly impossible) to own a home, own a dependable vehicle, or even get a high-paying job. Not having a good credit score can...
View ArticleLove, Marriage & Social Security
Marriage complicates everything! Being married means sharing everything, from your combined families to your combined incomes -even your combined efforts at credit repair. Many couples lose sight of...
View ArticleWhat Social Security Can Do For You
When we're busy living our liveswe don't spend a sufficient amount of time thinking about and planning for retirement. Many people engage in 'wishful thinking' when it comes to retirement planning,...
View ArticleShould You Cash-Out The Mortgage To Pay Your Credit Card Debts?
Are you wondering if it's a good idea to cash-out your mortgage to help pay your credit card debt? Taking a cash-out refinance at a higher mortgage amount to pay off your credit card debt can look like...
View ArticleTips To Find A Credit Card With A Higher Limit
Our credit card issuers check us out. They decide what amount they think we can spend and manage to pay back in a timely manner. It is easy to understand that receiving a low amount of credit means...
View ArticleBankruptcy and Divorce--Situations You May Face
Your divorce settlement's division of assets and debts is between you & your spouse. The creditors involved are not bound by the divorce decree. If you or your spouse fails to pay that which the...
View ArticleEight Steps To Rid Your Credit Report of Old Debt
You get your past mistakes erased from your credit report but it may take some time. Delinquent debts can stay on your credit report for up to seven years. A Chapter 7 bankruptcy can stay on your...
View ArticleWhat You Should Know About Charged Off Debts
If you live in the U.S. and haven't paid off your debt for more than 180 days, the company you owe has probably charged off or taken the debt off their balance sheet. However, a charge off doesn't mean...
View ArticleLeveraging Your Stuff -- Where To Sell Everything
Credit repair is a complex process with a lot of moving parts. Part of it is to settle your debts and start building some savings again, a process that many people find frustrating and demoralizing....
View ArticleFiling For Bankruptcy Again--What You Should Know
If you have filed for bankruptcy in the past but are in a financial dilemma which is leaving you with no other choice but to file for bankruptcy again, there are a few things that you should be aware...
View Article8 Effective Ways To Handle A Large Hospital Bill
If you suffer a medical emergency and need to be treated at hospital, what do you do, when you're faced with a whopping hospital bill? Hospital bills can sometimes exceed four and five figures, leaving...
View ArticleHow Your Business Affects Your Personal Credit Score
Most business owners make the mistake of personally guaranteeing their company's debts. Because of this, their personal credit score is adversely affected when the businesss fails and shuts down. This...
View ArticleHow Your Missed Mortgage Payment Because of Divorce Affects Your Credit Score
When a married couple divorces, their individual credit score can be affected if one of them misses a mortgage payment for a property that is in both spouses' name. This article explains some...
View ArticleSix Items on Your Credit Report May Cause You Trouble
Although understanding your credit report is important, it is even more important to learn how the items in it affect your credit score and creditor's confidence in lending money to you. This article...
View ArticlePayment Extension on a Car Loan: Is It Possible?
Being in an unfortunate accident and accruing medical bills and other expenses can sometimes ruin you intentions of staying current on your car loans. When this happens, it is important to know that...
View ArticleBuild Better Credit Starting This New Year
For many people, it has become a tradition to come up with a resolution every New Year. The primary goal for this is to make their lives better. Resolutions come in many shapes and colors, but one of...
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