Managing Credit and Debt Archive

Financial freedom is something we all dream of. We yearn to be free from the shakles and chains of limited income. Are you one of these people? Are you tired of living paycheck to paycheck? …

How to chose the best plan is first find one that you can understand and afford. And most importantly one that will work. There are many “consolidators” out there, but they will only take your …

Your best option with bad credit is to try to consolidate it as quickly as possible by building up your credit score. You have to know that your credit score will affect every single financial …

Credit cards are helpful financial tools if they are used correctly. They can also wreck havoc with your financial life if you don’t understand how they work, or get in over your head in debt. …

Maximizing the benefits of your rewards credit cards clearly depends on the types of rewards which are offered. Rewards offered on credit cards vary hugely, including everything from air miles, to money off fuel, to …

Individuals and businesses need records to help them evaluate the past and plan for the future. Comprehensive and easily accessible records allow you to assess your financial position and make adjustments when necessary. You can …

Many consumers go through life presuming that they manage their finances well as long as they aren’t mired down in debt. However, money can be constantly wasted on less than astute financial decisions which probably …

If you suddenly become unemployed and you have outstanding credit on your credit cards, what can you do to keep up payments? First you’ll need to sit down and figure out your new budget, based …

No, teens should not have credit cards. They haven’t even had time to get a job and start learning how to be self sufficient yet. They haven’t had time to pay the rent and utilities, …

Like the ultimate battle between good and evil, good debt and bad debt are worthy, yet often confusing opponents. Although “debt” has a bad connotation, there is actually a thing such as good debt, which …

If you’re feeling the pinch in your wallet, you’re not alone. Recent statistics on consumer debt state that the average credit card debt in U.S. households is $15,799. You may be among those included in …

When you find yourself unemployed and have credit card debt it is important to attempt to stay current with your credit cards to preserve your credit score.  If you find yourself having difficulties keeping up …

If you’ve ever lost or had your credit card stolen, then you probably distinctively recall how worrisome it was when this occurred. Credit card loss can result in significant problems if the situation isn’t dealt …

Credit cards can be useful tools, if they are used correctly. It is advised to either pay off your balance in full each month or as soon as you can to save on interest payments. …

Freelancers know that it can be tough to bring home a steady income each month. Most of us are at the mercy of jobs that might not be steady and can end at any time. …

There are several things you need to know about Allied Interstate Collection Agency. Just like other collection agencies, they may be hired by creditors to retrieve funds owed by clients. Unfortunately, they have a reputation …

Credit: in today’s world, credit plays a large part in your financial life. It reflects your financial standing, it provides a snapshot of responsibility and it provides an overview of your employment situation. Credit histories …

If you have unfortunately been in debt and had your debts sold to a debt collection agency, you will have no doubt been under stress and been bullied for what is now an epidemic in …

Credit is an important financial tool. Having good credit can help you obtain many important loans (such as car loans and home loans) and can also help you save money by way of lower interest …

“Buy now with no credit check and no money down!” If this welcoming phrase sounds all too familiar, you might already be ensnared in the rent to own trap. Renting to own furniture sounds great, …

There are several pros and cons of having a high spending limit on your credit card. The credit card holder has a great deal of spending freedom and can very often juggle their finances most …

There are a lot of credit cards on the market today offering great value to credit card using consumers. Among those credit cards are the Discover More Cards. Believe it or not this card comes …

Having your first credit card can give you such a sense of freedom and convenience. The ability to buy something you want and then pay it off later is incredibly seductive. And as much as …

Credit is leading to the downfall of society.when bankers loan their credit , collect fees and a few payments and  sell  uncollectible accounts to secondary markets.  The $700  billion taxpayer  bailout  money, with billions paid …

Getting control of your credit card debt is not as hard as you may think. There are many ways to gain control over your credit card debt. Most people lack the discipline needed or are …

Depending on who you’re talking to, credit can be the worst thing in the world, or the best. Not surprisingly, both positions are correct – in part. The key to understanding this paradox is that …

High school students are the citizens of tomorrow. In a very few years they will join the ranks of voters, with the power to influence the future of their nation.  They will hold jobs, form …

Credit cards are extremely common and used by many Americans. Generally they let you charge a debt and then pay on a monthly basis, up to a pre-determined credit limit. There are both pros and …

The ease of the internet allows comparison shopping of credit cards and is an easy task which allows the consumer to make informed choices before opting for the card to suit them. Almost all credit …

Do you have a significant amount of debt that you can’t afford to repay in the near future? Is it unsecured (such as credit/store cards, personal loans, overdrafts, etc.)? If you’re in this situation, and …