Managing Credit and Debt Archive

Increase your credit score with these tips. Your credit score is one of the most critical 3 digit numbers in your financial life. It is the number that most financial institutions use to determine your …

Income inequality is real and the inequalities are creating real problems in the world. The U.S. and China are suffering the consequences of allowing the lowest paid workers to live in poverty, while the highest …

Everyday, on our way to work, in our homes, on our radios, and on our TV’s we are constantly being bombarded with adverts of all the things we must have. With the latest and greatest …

College students are often too inexperienced in finances to deal with credit cards in a wise and responsible manner. If credit cards are viewed as a necessity to cope with everyday living expenses then they …

If it ever happens that you are declined when you apply for a credit card or loan the alarm bells should alert you to the fact that your credit score has most likely plummeted. This …

Taking credit cards along on ones travels can be a convenient alternative to travelers checks. Along with the convenience there are certain benefits to using credit cards overseas, including purchase protection and the ability to …

Fico credit scores are big business these days and many older people lament the changes which the reliance on credit scoring has brought. Gone are the days of a cosy chat with your local bank …

Dealing with financial debts seems to be one of the most challenging issues many people are experiencing. This could be real if you are confused about how to deal with your bills and other financial …

Starting over after a bankruptcy can be challenging. For one, you may not get approved for credit right away. And it also takes effort and skill to avoid falling into debt again. Therefore, you must …

In 2007 Jeff Mullen founded Dynamics Inc. which works to create innovative dynamic products for the next generation. Focusing on intelligent powered cards the company has launched the new 2:0 credit card that has walked …

Trying to pay down unsecured debt can often feel like an overwhelming task. It’s not surprising: in 2010, the average household with credit card debt had $15,956 in credit card debt. And while its relatively …

Credit scores are based on a variety of factors. These are some hints on building your credit score as part of your daily routine. First, cut up at least one of your cards. You’ll find …

Your credit score helps lenders evaluate risk. Borrowers with low credit scores are high-risk, and borrowers with high credit scores are low-risk. A FICO score of 750 and above will help you get the best …

Bankruptcy is usually the option of last resort for a person facing financial distress. Under some circumstances, however, a bankruptcy filing may prove to be a consumer’s best option for dealing with a financial problem. …

Help your children build wealth at each stage of their lives by teaching them to become investors and not just consumers only. You can begin in pre-school. Teach them to put away their toys. This …

Considering the occasionally seemingly unquestionably necessity of maintaining good credit in an era of pliable economic strength and global commerce, knowing some credit card tricks that keep money in your pocket may become an important …

Why Debt Consolidation Doesn’t Always Work What is debt consolidation? It is when you add up all your personal debt including credit card debt, unpaid medical bills and outstanding loans. You can chose to pay …

If you are renting an apartment, you might be surprised as to why your new landlord is going to want to run a credit check on you. What does your credit have to do with …

The new wave of financial responsibility for the future is the prepaid credit card. It allows you to have an itemized, on-line statement of your spending without incurring finance charges. It can help you teach …

The presence of credit card company representatives at college orientations is a disturbing sight. Financial greed is the obvious motivation for soliciting young people who may not yet be fully aware of the ramifications of …

As good as a debit card can be, with it comes responsibilities. Some people can be very irresponsible when they have a credit card, or even a debit card. Here are some reasons to avoid using a …

Reliance on credit cards affects the way the general public spends money. There can be no escaping from that fact. It was in the 1920s that credit cards first came into use. American hotels and …

Paying your credit card bill late will cost you dearly.  A fee will be added to your outstanding balance which will then accrue interest. One or more late payments can also result in the penalty …

An exposition on this topic will no doubt find widespread resonance, given that this is the reality that currently confronts a large of persons. And even for those whose current circumstances cannot be classified as …

Most people carry some level of debt load throughout various points in their lives.  Large, long term debts such as mortgages, school loans or car payments can be a necessary evil that provides the opportunity …

Your credit report is something that is used by those who are trying to make credit decisions on your credit worthiness. Basically, anyone who asks for a loan is generally going to have their credit …

Do you have some bad money habits? From experience, we all tend to make money mistakes from time to time. It simply happens in our society where we see lots of shiny things and think …

Managing your finances can be tricky, especially in an environment where the economy seems to be constantly changing. Fortunately, there are a few things you can do to manage your money that will help keep …

The use of illegal harassment techniques to collect debt from consumers is a common practice within the debt collection industry. These techniques are used to scare the uninformed in to making payments in ignorance of …

Every Person who is alive on Earth is somehow different from every other person who is alive on Earth. That is the main reason why some people are poor and some people are wealthy, and …