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Recent Posts in Credit Category

  • Will Filing for Bankruptcy Ruin My Credit?

    || 9-Feb-2017

    Many people who are considering filing for bankruptcy worry about how bankruptcy will affect their credit. Among the top concerns are whether it cause permanent damage or whether a person will ever be able to borrow money or have a credit card ever again. Fortunately, there is no reason to worry. While bankruptcy may affect your credit in the short run, it is a long-term debt solution that can ...
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  • How Much Does Your Post-Holiday Debt Really Cost?

    || 7-Jan-2016

    The holidays are over, but many Americans will continue to be reminded of them when their credit card bills come in the mail. In fact, holiday spending is responsible for a more than 25 percent spike in calls to consumer credit agencies seeking help for debt during the first few months of the year. If you have credit card debt from the holidays that you are not sure you will be able to pay off ...
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  • Avoid Debt this Holiday Season with These Budgeting Tips

    || 12-Nov-2015

    It is already mid-November, and the holidays are nearly here! With Black Friday coming up in just a couple of weeks, many people are getting ready to take advantage of some amazing deals to kick off their holiday shopping. Between buying gifts, decorating your home for the December holidays, and other expenses, all of these expenses can quickly add up. If an individual does not carefully plan and ...
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  • 4 Things You Should Know About Credit Card Debt

    || 6-Nov-2015

    For many people, to word “credit card” is often synonymous with “debt.” Contrary to what most people believe about credit, however, credit cards and debt do not have to go hand in hand. In fact, millions of credit customers use their cards regularly and never pay a penny in interest or other fees. You, too, can use credit cards to your advantage. Consider the following tips ...
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  • How Is My Credit Score Calculated?

    || 28-Oct-2015

    Most people have heard of credit scores and realize how they can effect a person’s life. But, many people do not understand how a credit score is actually calculated. To help, we have broken down what makes up a person’s credit score. 1. 30% of Your Score= Amounts Owed This takes into account how much money you owe and is based on the percentage of your used credit in relation to your ...
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  • How Important is Your Credit Score?

    || 21-Oct-2015

    Have you ever considered how important your credit score can be? Oftentimes, individuals do not consider the impact of a negative or positive credit score. However, it can be the deciding factor in many cases. To help you understand, we have listed three points regarding how your credit score can affect your life. 1. Your Credit Score Can Determine the Cost of Large Future Purchases In many ...
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  • Avoid Holiday Season Debt with These Financial Tips

    || 14-Oct-2015

    Oftentimes, the holiday season brings about the temptation to give to your loved ones. While this can be an enjoyable part of the holidays, it is important that you take the appropriate steps of budgeting to avoid drowning yourself in unpayable debts. To help, we have compiled a list of things you can do to avoid filing for bankruptcy during the holidays. Additionally, we have supplied this list ...
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  • 5 Credit Card Debt Settlement Myths

    || 2-Jul-2015

    If you’re considering credit card debt settlement, you’ve probably heard competing opinions about it: whether it’s effective, how much of our debt you can avoid paying, if you need a lawyer, etc. These are legitimate concerns, and it’s important to stay informed before pursuing negotiations with creditors. Myth #1 – It’s easy to get your debts cut in half ...
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  • 3 Ways to Rebuild Your Credit after Bankruptcy

    || 2-Jun-2015

    Many people assume bankruptcy will ruin their credit. In reality, you can rebuild your credit score after bankruptcy through prudent financial planning. The first step is opening a checking account and savings account at a credit union or bank near you. Talking to your family and friends is a good way to learn about banks in your area and to see which one is best for your needs. Get a Secured ...
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  • Signs of Creditor Harassment

    || 14-May-2015

    Creditor harassment is more than an inconvenience; it’s illegal. According to the Fair Debt Collection Practices Act (FDCPA), debt collectors must adhere to strict guidelines regarding their communication with debtors. If you feel threatened or harassed by a creditor, you can seek legal help. Should you file for bankruptcy, collectors are not permitted to contact your for repayment any more, ...
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  • The Importance of Monitoring Your Credit

    || 17-Nov-2014

    One of the greatest benefits of filing bankruptcy is the ability to obtain debt relief through a discharge. Under bankruptcy law, consumers who fulfill the terms of their case will have certain debts discharged, including credit card debt, medical bills, utility bills, personal loans, and other unsecured debt. Consumers who receive a discharge will no longer be obligated to pay money toward these ...
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