credit card problems


Budgets and Debt Solutions

Prioritize Your Budget - If your budget shows you have more expenses than income

Four Step Budget That Works - Have you ever created, and then tried to live on a budget?

Small Savings Increase Business Profit - If you own a small business, you should know the little things ...

Getting Married and Money - A wedding is in reality a financial transaction, and if it’s not handled properly,

Bounced Checks and Your Credit Rating - Did you know returned checks can lower your credit rating? 

What Happens If Your Car Is Repossessed? - It’s every car owner’s nightmare.  Your are behind on payments...

Debt Settlement - is often considered before the more extreme step of filing for bankruptcy.

Bad Credit Mortgage - It can be done but some lenders will lead you in the wrong direction.

Bad Credit Cell Phone - You might think it’s impossible for you to obtain a new phone contract, but

Bankruptcy Exemptions - Know the exemptions provided by both the federal law and by your own State.

Filing for Bankruptcy - You may feel your stomach clenching into knots. You begin to hyperventilate and ...

Chapter 7 Bankruptcy - Totally eliminate unsecured debt of credit cards, medical bills, and...

Personal Bankruptcy - Consumer debt  is now at the highest level that it has ever been ...

Bankruptcy Alternatives - Look at other possible solutions to your financial problems before filing

Gas and Department Store Credit Cards -Interest may be high but they are reported to credit bureaus

Credit Card Costs - Do you know what your credit card is truly costing you? 

Prepaid Credit Cards - Despite the 'credit card' name, no credit is actually involved. Here’s how they work.

Identity Theft - Karen was frustrated when she realized that her purse had been stolen, but at that time...

Common Credit Mistakes - The three most common mistakes consumers make when dealing with credit.

Get Credit Reports - Here's how to get your credit reports.  The free ones might not tell you all you need to know.

Sample Credit Report - View a sample credit report page to learn what the reports say and how they say it.

Credit Repair Scams - Some phony credit repair services will advise you to dispute all information in your ...

Credit Repair Tips - The Federal Trade Commission provides tips for choosing a credit counseling agency

Credit Rating Facts - FICO compiles a snapshot of everything you've done using credit and your payment history

Facing Credit Problems - If you don't take a realistic look at improving your credit, it will cost you...

Credit Dispute Letter - Use this letter as an example of one you would use to dispute wrong information ...

Credit Counseling - Reputable credit counseling services have some criteria you must fulfill to qualify.

Credit Repair Schemes - Some credit card options are schemes to take advantage of desperate consumers.

Adjustable Rate Mortgages - Rates that begin far below market rates led to the subprime crisis.

Get a Mortage Online - Make sure you know the ins and outs prior to submitting your personal information.

Secured vs Unsecured Debt - Knowing the types of loans available helps you manage your debt safely.

Consolidate Debt Online - Low interest rates are just one of the appeals.

Mortgage and Personal Finances - Lenders require specific info about your finances, so be prepared.

Co-Signing Loans - Should you help a friend or family member by co-signing their loan?  Read this first!

Second Mortage Loan - Should you use equity built up in your home?  Benefits and cautions.

Mortgage Crisis - What began as a subprime mess has quickly escalated into a nightmare for many.

Home Mortgage Qualifiers - Learn what lenders look for when granting you a mortgage.

Car Refinancing - Low interest rates make an auto refinance smart and attractice for consumers.

Bank Accounts - What does your checking account tell lenders about you?