Kids, Money, and Credit
It’s never to early to start teaching children about money. Little kids for instance have no real concept about money they just understand that they get what they want. They have absolutely no idea...
View ArticleCollege and Credit Cards: Student Credit Cards
Parents must talk to their kids about credit cards before they go away to school. The moment kids leave the house they will be targeted by credit card companies. Most college campuses do not allow...
View ArticleHow to Pay for College: Financial Aid information
Whether you are parent supporting a child or a student who is faced with funding your own education coming up with a way to pay for school can be a very stressful task to face. Even with financial aid...
View ArticleThe Truth About Debt Consolidation Programs
Let me give you the “real deal” about Debt Management Programs aka, Debt Consolidation. This information is a must read for anyone who is considering entering into any kind of a Debt Management / Debt...
View ArticleCredit & Divorce
This section looks at the issues that you will face if you decide to divorce. Use this information to understand the rules regarding your rights and your partners rights if you make this life changing...
View ArticleChild Support & Deadbeat Dads
Deadbeat dads who refuse to take care of their children force families into a life of struggle. Delinquent child support is one of the leading causes of poverty and financial distress in the United...
View ArticleChoosing the Right Credit Card for You
Here is a guide to help you understand the many different types of credit cards that are available to us. There are so many options to choose from and different rules for each. Carefully research card...
View ArticlePersonal Bankruptcy Explained
OK, let’s talk about bankruptcy. In this article, I will attempt to give you the basics regarding personal bankruptcy. Keep in mind that laws vary from state to sate and that this website is for...
View ArticleDebt Consolidation Scams
This section is a warning about Debt Consolidation scams. I have been working in the Credit Counseling/Debt Consolidation field for the past 10 years and so I consider myself a bit of an authority...
View ArticleDebt Elimination / Removal Scams
Debt elimination companies claim that for a fee that they can eliminate your debt once and for all; that you will never have to make another payment on your mortgage, car, credit cards etc ever again...
View ArticleDebt Settlement Scams: The Truth
If you are thinking about entering into a Debt Settlement program you need to be very careful. In fact, as a Credit Counselor I am personally aware of only a few companies out of the thousands that...
View ArticleChristian Debt Consolidation Scams
Debt Consolidation scams are everywhere and no doubt you’ve heard countless horror stories from the media and possibly from people that you know that have fallen victim to these unscrupulous companies....
View ArticlePredatory Mortgage Lending
Buyer Beware! Here are some facts for you to know before you look for a mortgage. For the average consumer who is contemplating buying a house or refinancing an existing home loan, the credit...
View ArticleIdentity Theft: A Closer Look
Identity theft is the crime of stealing another person’s personal identifying information such as the name, address, birth date, social security number, mother’s maiden name, even a pet’s name. The...
View ArticleHow to Buy a House (Tips for First Time Home Buyers)
So you’ve decided to buy your first home… Wonderful! My congratulations. This is a big deal and for many people, it’s the biggest purchase of their life. So before we start I just want to say, Tread...
View ArticleWhat to Do If You’ve Been Denied a Home Loan
Here’s what to do if you’ve been turned down for a home loan for credit reasons: First, Ask your lender for a copy of your Residential Mortgage Credit Report. This report is a compilation of your...
View ArticleCredit & Your New Home Purchase
You don’t have to have perfect credit if you want to buy a home, But, Having a decent credit rating can certainly help! The better your scores are the easier the process will be and of course, you will...
View ArticleHow to Negotiate When Buying a Home
Buying a home, especially for a first-time buyer, can be a gruelingly stressful experience. There is so much to learn about the process and a real fear of the unknown. Making a good, well-informed deal...
View ArticleHow to Negotiate Debt with Your Creditors
It has been my experience that many clients came to me to for Debt Consolidation simply because they had no experience with dealing with their creditors and the thought of actually doing it was...
View ArticleYour Rights Regarding Debt Collection
This section addresses your rights with regard to creditors in their attempts to collect on past due or delinquent accounts. I will explain your basic rights that you have as written in a very...
View ArticleFree Credit Repair Information: How to Clean Up Your Own Credit
In my opinion the term “Credit Repair” is really a misnomer. All of the information in this article is provided to help clear up those “questionable” items on your credit reports. I do not suggest that...
View ArticleEasy Steps to Building Good Credit or Re-establishing Credit
Without a decent credit history it’s hard to open new credit accounts but without ever having credit it’s hard to open credit accounts in order to create a credit history. It’s all very frustrating and...
View ArticleDisputing Mistakes on Credit Card Statements
What do you do if you find a charge on your credit card statement that isn’t yours? For the majority of us the answer is to immediately call the credit cards customer service department and report the...
View ArticleHow to Get Your Credit Reports
You should order a copy of your credit report from all of the four credit reporting agencies listed below. To get a truly accurate portrayal of your credit, you must get reports from all four companies...
View ArticleHow Long Will Entries Stay on My Credit Report?
Normally bankruptcies will remain on a credit report for 10 years following the discharge of the bankruptcy. Other items will remain for about seven years from the date of the last activity. The seven...
View ArticleHow to Read Credit Reports: Useful Explanation
This section will help to understand what your credit reports say. Credit reports are tricky to read so set aside some time for this. I suggest that you make several copies of your credit reports so...
View ArticleCredit Score, FICO Score Explained
So… What’s a credit score? Your credit score is a number based on the information in your credit file that shows lenders how likely you are to repay a loan. The higher your score is the less risk you...
View ArticleInnovis: The Fourth Credit Bureau
Innovis Data Solutions is a new credit bureau that moves around quietly collecting information on consumers and selling this information to companies for mailing lists used for things like credit card...
View ArticleFederal Law Concerning Credit
There’s a lot of talk in the credit world about: credit scores, how to fix bad credit, how to raise your credit score… …and so on. But, There’s isn’t much talk of one of the most important things...
View ArticleCredit Glossary: 228 Terms of Valuable Info
You probably already know some terms in the credit world, Some are obvious to most of us. Some are known only by credit savvies & experts. But they’re all here. The post Credit Glossary: 228 Terms...
View ArticleWhat’s the Easiest Credit Card to Get?
If you got a a better than average credit score this article is not for you. This article is about credit cards for those who try to better their credit scores and need a credit card that allows low...
View ArticleWhat’s a Perfect Credit Score?
According to the Fair Issac Corp (FICO) scale that ranges from 300 to 850, a perfect credit score is 850. Does anyone actually achieve a perfect credit score? While it is rare, the fact is that 1...
View ArticleOverall Credit Scores Affect Citizens Beyond What Anyone Realizes
It starts will credit card debt, student loans and excessive spending. It used to be that one spouse worked and the other one stayed home and families stayed together. Now both spouses work and “I...
View ArticleSecond Chance Credit Cards
There are some great second chance credit cards out there, but you have to be somewhat careful and truly understand what you should be eligible for before you start applying. Unfortunately, there is an...
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