Managing Credit and Debt Archive

It is possible to find credit counseling services that are free. I went to one myself. It would be smart to take advantage of this service if you can find no way to get out …

When one graduates college with a four-year degree denoting high honors, it is automatically expected that he or she will do one of two things: 1. Transition into the confines of a corporate cubicle. OR …

In today’s troubled economy, every credit card owner not only needs to be careful in their purchases, but also in the credit card they select. If you find that you have chosen the wrong card, …

We have all seen the commercials of people trying in vain to redeem their credit card rewards. Credit card reward programs can be tricky, but they don’t have to be. Most of the major credit …

Beyond a shadow of a doubt, credit cards offer convenience. They allow you to proceed with purchases without really paying for them immediately.  What is required of you is to pay for the minimum monthly …

As many people know, who haven’t been living in a cave recently, there are many credit monitoring services out there. So which one is right for you? Well, that is more of a subjective question. …

A good credit score is important to the level of financial freedom you are able to enjoy. Your credit score impacts your life in many ways: enabling you to easily obtain loans, determining how much …

Student loan debt is often difficult and strenuous to pay off, especially for students that are struggling to get into work due to the financial state of the economy in the modern day world. However, …

Read the signs! Fearing identity theft and fraud, many people worry about zipping their credit card numbers into the internet. Contrary to their suspicions, ordering online can be considerably safer than leaving paper receipts in …

So you’ve gotten yourself into a bind, your credit is blown, now what? Keeping up with the Jones’s is definitely a mistake we’ve all made even if we don’t realize that is what we’re doing. …

In August 2008, my husband lost his job. His employer, due to financial problems brought on by the economic conditions, owed him over four weeks of wages. A check he was paid five weeks earlier …

At the time of this writing, the average amount of credit card debt per household with credit card debt in the United States, according to Creditcards.com, is $14,750. This is a staggering amount of debt …

In today’s economy there are many people who are looking for ways to relieve the stress that they are feeling trying to make ends meet. With many employers laying off employees or cutting back on …

There are many things that you can do to improve your credit score. Many people get caught in the credit card debt trap from an early age and struggle for most of their adult life …

It seems that everywhere you turn today you see an advertisement from someone promising to help you eliminate your credit card debt or negotiate with your creditors on your behalf. Please know that these solutions …

It can be tempting to be swept away with personal vanity and elect for costly cosmetic procedures. One day you decide that Botox is a must, and are easily persuaded to opt for a spot …

Many Americans would be amazed as to what they find in their credit report. I have had to deal with errors in my credit report for a long time now. My problems arise because I …

In terms of debt reduction, people must be able to differentiate the two main topics that revolve on this discussion. First is its preventive component and second is its curative component. Both of these components …

Credit cards can be quite dangerous for a person’s finances. But the key word here is ‘could be’. It all depends on the person in question and how much they spend, alongside how much money …

I swim very early every day all year at a community outdoor pool in the desert area of Arizona. I’m there from about 6 to 7 am. There are no lockers, so I usually leave …

In these trying times, we all need to make adjustments to our lifestyle. As a Golf Teaching Professional, the financial crisis has hit me pretty hard. Golfers will still spend money on actual golfing, but …

Credit Counseling services do not do anything that the individuals could not do for themselves. And that includes calling the credit source and asking for an abatement of interest, reduction in payment, or a lesser …

If my boss knew I was writing this, I would be fired. But I’m going to give my humble opinion anyways: when it comes to the pros and cons of paying off credit card debt …

Identity theft may be one of the most ubiquitous crimes today. In fact, you probably know somebody who has had their identity stolen, or experienced some kind of credit card fraud. While there is little …

E-bay, Amazon, Expedia. All of these are solely Internet-based retail outlets, which means they have no brick and mortar store. Of course there are thousands of others! Even department stores are into the game. Why? …

The facility to shop remotely, over the internet or by phone, is becoming evermore popular and with this comes new and devious ways that criminals can steal from you. They devise all sorts of scams …

Knowing how to read your credit report can help prevent credit fraud, fix credit reporting errors and assist with building credit. Knowing how to read the report can help identify and report credit reporting errors …

In today’s world having a credit card is no longer a choice it’s a necessity. If you don’t have a credit card it hinders you from having access to a lot of things which not …

With the slow economy, many are faced with the possibility of filing for bankruptcy. Few people actually want this mar on their credit report, and there are a number of viable alternatives that can pull …

Debt is becoming a more and more common factor in all of our lives in both the manner in which it has become an acceptable option in recent times and the way in which the …