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Do It Yourself Credit Repair (21 Oct 2006) Many of us believe that it is only through an agency that we could possibly have any hope for repairing our own credit. Rest assured that this is not true. It could possibly cost you more money and time to arrange through an agency than it would to just do it yourself.
Debt Counseling Solutions for Credit Repair (21 Oct 2006) Is debt counseling a solution for credit repair? Debt Counseling Services and Credit Services are Organizations that are sponsored by most of the creditors. Most Debt Counseling services are nonprofit organizations; however there is few that are on their own.
Lawyers Are not Always a Solution for Credit Repair and Credit Building (21 Oct 2006) Lawyers often charge high fees to help individuals get out of debt. Credit repair clinics are available to assist individuals with debt relief, but only the absolute desperate would even consider these types of solutions.
Steps to Credit Repair (21 Oct 2006) Credit repair is not always easy, but there are solutions available to help us get out of debt. We all have bills and sometimes those bills are outrageous. Paying bills is ongoing, there is no escape so the best possible solution then is asking for help and working to repay your debts.
Repairing Credit Essentials (21 Oct 2006) There are essentials to repairing your credit and building your history. It depends on your situation, but in most cases you can find a way out of any debt situation. Debt relief is a stressful situation.
Make Money With A Cash Back Credit Card (21 Oct 2006) If you pay your credit card balance every month and do not incur any interest charges you would be wise to look to start using a cash back credit card. The cash back credit card has been produced primarily for users who do not pay interest and rewards them with an annual payment.
All About Balance Transfers (21 Oct 2006) What is a balance transfer? A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or loan to a ...
Choosing The Credit Card That Is Right For You (21 Oct 2006) Credit cards represent an important part of our financial lives. Having the right credit cards is essential and will make a big difference to your finances. Before choosing the right credit card you must shop around for one.
Credit Report – How to Improve Your Credit Score (21 Oct 2006) Your credit score can determine whether or not you'll get a necessary loan for a car or a home. Here some are ways you can improve a less-than-ideal credit score.
Protect Yourself Against Identity Theft (21 Oct 2006) Identity theft is when someone uses, without permission, your personal information in order to commit any frauds or crimes. Identity theft is a felony that is becoming more and more common. That is because some of us are not very careful with personal information, making the job easier for those trying to steel our identity.
Rewards Cards: Are They Worth It? (21 Oct 2006) If you are like any consumer with good credit -- or even with poor credit -- your mailbox is probably chock full of solitications from credit card companies. These companies are all vying for your business; here is why only those who incentivize their offer with rewards should be considered.
Psychology to Help You Negotiate with Jerks Somebody once told me “never go to your boss with questions, always go with answers”. As I was arguing on the phone recently with my motorcycle repair shop’s jerky service manager it occurred to me that the same advice applies to negotiating with people about money , services or any other issue needing fixing. Basically, [...]
Credit Score Rebounds from Little Mistake On February 13th I added a blog entry titled How My Credit Score Dropped 30 Points in One Day. This entry is a follow-up to that. To summarize the original entry, I paid off and closed my Chase credit card because they were jerking me around by raising my APR because I was paying my [...]
Smart Consumer Savings My buddy John claims that winning money is ten times sweeter than earning it. I must admit I agree with that statement. However, the problem with gambling is that the odds are never in your favor and most of us will end up on the losing end eventually. My proclamation is that [...]
For Student Credit There’s a “Perfect Storm” Looming Warning, there’s trouble ahead. There’s a strong chance that a serious batch of credit problems are headed straight for students which threaten to swamp their ability to get student loans and credit cards. A series of changes in the economy could result in student credit scores dropping more than 100 points overnight as well as [...]
The Best Financial Advice You’ll Ever Get Ready? Here it is: Relax and take a deep breath. When faced with financial troubles remember that it’s only money, a man-made symbol of value which is traded for other items with perceived values. It’s not your life, your health, your family, your pet or anything that nourishes your spirit. It’s not always easy but if you [...]