Managing Credit and Debt Archive

If you’ve watched TV in the last year, you’ve probably seen those witty, rhyming commercials for FreeCreditReport.Com, written by Dave Mulhefeld and his cohorts at the Martin Agency. The character in the commercials blames his …

Being in debt can cause a normal person a lot of stress. There are few people out there who could honestly say they don’t care that they are in debt. Combining the fact that most …

The biggest debt a consumer faces is the credit card. Reducing or eliminating this debt takes commitment and a plan. The following ten steps can ease that debt-load and bring the consumer out of the …

One of the best ways to teach your kids about money, is to give them an allowance, and guide then in how they spend it. The typical rule of thumb, for deciding how much allowance …

Credit cards can be useful for some things if they are used properly. However, people can get into trouble if they start charging purchases they cannot pay off in full each month. If you don’t …

Despite the most diligent plans to stay within a budget during the holiday season, somehow it never quite turns out that way.  The best-laid strategies may have gone awry just days before the holiday.  But …

Getting in to debt is a bad idea, but once we’re in debt there’s not much we can do about it until it’s all paid off and we have learnt our lesson the hard way. …

Maestro debit card services is a division of MasterCard that is licensed to financial institutions that issue debit cards. These debit services allow clients to make payments from their checking accounts or using pre-paid debit …

Christmas time is when you purchase all sorts of gifts for those close to you. You decorate the house until it looks like an airport runway and eat a feast every chance you get. Then …

Life after bankruptcy can be extremely difficult. Financial institutions will be more hesitant in granting your loans while landlords might think twice before letting you in their properties. Fortunately, all is not lost. Despite the …

Often people do not have enough money to repay their debts and that is why their debts keep on increasing due to late charges or interest rates or both. When you are facing such situations, …

In the current difficult economic downturn, with everyone stretched fairly thin, you may find yourself in a situation of having your name passed along to a bill collector, which can be a insidious thing in itself, …

A credit score has many components. Each component weighs differently on your credit score. For example, having a late payment recorded on your credit report will cause more damage to your credit score than will …

Credit cards from Orchard bank are issued by HSBC Nevada and have a better reputation than some other sub prime lenders due to HSBC being a major bank player. Although targeted at those with bad …

Many credit cards offer cash advance loans as one of the features of the credit card.  A cash advance loan is a loan to you made by the credit card company against the amount of …

This is to do with the personal choice of the end-user . With credit card debt running into millions, there are many people who feel that the best way to go – when it comes …

The reason most of us wind up in debt is because we lack the self control and the basic money management skills necessary for keeping ourselves out of debt. We generally have a lack of …

It is a sad indictment of society that it has allowed so much power to fall into the hands of the credit reporting business. Youngsters making their first financial transactions should be advised to save …

In the last twenty-some years, there has been a transition in North America. People used to judge their financial worthiness by how much money had, and now people are merely focused on how great their …

Saving money can be stressful. Saving and reducing debt can be even more stressful. Thankfully there are many ways you can make reducing debt and saving a little bit easier for you. You can reduce …

With high prices for everything from food to movie tickets, social and media pressure to own expensive new technology, and credit cards almost required for daily living, avoiding debt can be like avoiding sunlight in …

Doesn’t anyone wonder why credit card companies do not have any moral standing or policies on who they actually permit to have credit cards? I believe that consumers should have more stringent assessment before an …

Over the course of a lifetime, a person can accumulate a variety of credit card and personal debts. The more bills you receive, the harder it is to keep track of them and the easier …

If you have bad credit and are looking to find ways to figuring out how to fix it, it is easier than it seems. There are six simple steps you can follow to turn your …

There is a knot in my stomach as I read “PAST DUE” on my credit card bill. I check my billpay records, and sure enough, I forgot to send the payment. I immediately call the company …

Improving your credit score is something you can always do, no matter how bad your credit score is. While some factors that impact your credit score cannot be changed simply or quickly, there are a …

If you are looking to get a mortgage, a car loan or any kind of financing – even a credit card – you will not be successful if you do not have a good credit rating …

Teaching young children financial responsibilities is a very important role of parenting that will affect your child for the rest of his or her adult life.  Children who have a better grasp on the concept …

“Bad things happen to good people,” is a maxim used by car dealers, not employers. Employers do not want debt-ridden employees. Employers spend millions of dollars every year performing background checks, credit checks and reference …

What a silly title.if you’re dead, who cares? Dead people are beyond the cares of this world. So, let’s get silly. It’d be great if your debts died with you. Imagine this: You know you …