Managing Credit and Debt Archive

Consumer debt is the easiest debt to accumulate when you buy on impulse or once had a more luxurious lifestyle that has led to thoughtless spending habits. Nonetheless it is useful to know steps for …

In the last few years it has become much harder to get any type of credit and many consumers who were used to obtaining credit are facing difficulties because they can’t get credit anymore. The …

Here are ways to increase your credit rating from my experience. First, be responsible with your credit card. Second,  pay your bills on time and not till the last minute. Third,  evaluate your credit report. The …

A good credit score will help you obtain credit and approval for loans easily whereas a poor score will place you in a high risk category or stop you from being able to apply for …

The best way that young people can avoid the web of debt is to simply avoid it. Learn what the signs are and steer well clear. Keep away from credit cards that offer you seemingly …

You have heard it all before and now you have a pretty good idea on how to get and maintain good credit with the basics. I am writing this article to let you in on …

One of the best deals around for those looking to rebuild their credit scores through credit use is the Classic Secured Visa credit card from the Public Savings Bank. It requires no initial credit check …

Not owing money to many creditors is a goal of many people. While this is a great to aim for, it can be challenging. This is an obtainable goal if you make a few changes.  …

There are a lot of different types of insurance out there which people just don’t need. There’s such a thing as cancer insurance even though health insurance should already cover that. Now of days there’s …

One of the frequently suggested methods for getting over a traumatic breakup is to go shopping. But what no one tells you is that the credit card bill at the end of the month after …

Incorrect credit histories are much more common than many people would imagine. Some experts estimate that nearly one-quarter, or 25%, of adult individuals have mistakes on their credit reports through no fault of their own. …

The holidays can be a very stressful time of the year, especially when it comes to shopping for family and friends. The malls are packed, stores are slashing deals and the only thing missing is …

Once debt becomes out of control there are obvious signs. When your new best friend is the debt collector on the end of the phone or you hide behind the sofa when the rent man …

I worked for several different not for profit debt consolidation agencies and it does work, however it is not instant.People have a tendency to wait until they are so far in the hole that they …

The Vanquis visa credit card is designed to help people with bad credit repair their credit rating. The Vanquis bank is part of the Provident Financial group most known for their long history of door …

Barnes & Noble announced earlier this week the company experienced a data breach where exploiters intercepted credit and debit card data. Hackers had compromised dozens of PIN pad devices used in several dozen of the …

The best way to avoid debt at Christmas is by this simple premise…to purchase your goods during the January sales. Those people who buy Christmas presents in January can save an awful lot of money …

eBay is a website to find items for usually less than you would pay for at retail stores. Many people use it to purchase collectible items, but it is also a great place to find …

Credit card debt is a growing problem in the 21st century. Almost 60% of American households have a large balance owing on their credit card of choice, debts of up to $10,000 are quite normal …

Are you really who you think you are? How sure are you? We all like to think we are in control of our lives. We feel confident that our unique identities, reputations and even our …

When you’re a student it can be tough to avoid debt altogether, as you may find yourself taking out a student loan which automatically means you’re going to have a significant amount of debt to …

The most obvious way to stay away from credit card debt is to simply not use credit cards. Whilst they are undoubtedly useful tools to help to establish credit they can wreak havoc on ones …

“Neither a borrower nor a lender be,” wrote Shakespeare and the bard’s wisdom is one that would benefit many people today. As debts rise and defaults and bankruptcy dominate the news, the examples of the …

As much of a stigma may be attached to bankruptcy, there are actually many valid reasons that you may want to take this step. It may be due to medical issues. It may be due …

Your debt-to-income ratio is one of the measures used in financial planning to establish how much of your income is used to repay debts.  It is commonly used when you are applying for a mortgage …

When dealing with debit and credit cards, you have to be very careful. The information on the card is very valuable. If into the wrong hands, your money or credit will be ruined. All someone …

A real-world economics class that simulates financial life from high school graduation to retirement in the course of one academic school year would be a powerful course for pre-college kids. Unfortunately, schools do not do …

Identity theft is one of the fastest growing crimes in today’s world and can reap havoc with an otherwise good credit history. A friend of mine once discovered that someone had fraudulently entered a change …

Are YOU ONE of the 41 million in U.S. can’t afford basics? According to MarketWatch about “one in five working American families can’t afford basic needs, and many scrape to get by on insufficient income …

When a person goes to college, that person realizes the amount of responsibility that is being taken on. One of the areas of responsibility falls under the category of finances. Unless students are living at …