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  • 1. The credit card you pick can save you money Views: 32
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    Terms of Use: The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper'sChecklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They can  More...
  • 2. How do I repair my credit? Views: 28
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    Terms of Use If you want to repair your credit, begin by paying off old debts and correcting any issues on your credit report. Perhaps you've been tempted by the credit repair advertisements you've seen that promise to fix your credit report. The fact of the matter is that there is nothing you can't do yourself (free!) that a credit repair clinic can legally do (for a fee!) to fix your credit report. To request a free copy of your credit report, check out the related link below  More...
  • 3. Getting a handle on debt: His, hers, and ours Views: 27
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    Terms of Use In order for you to get a handle on your debt, it's important to list everything you owe. Pull together the most recent bills you received, and enter the total amount due on the worksheet provided below. Be sure to add additional line items as needed. Item Amount Home Mortgage or Rent Car Personal Loans Student Loans Credit Cards VISA MasterCard American Express Gas Card Departme  More...
  • 4. How am I protected by federal law from being discriminated against when buying a home or getting a loan? Views: 26
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    Terms of Use The Fair Housing Act prohibits discrimination in housing sales or loans on the basis of race, religion, color, national origin, sex, familial status (having children under the age of 18), or handicap. The Equal Credit Opportunity Act prohibits discrimination in any aspect of a credit transaction on the basis of race, religion, age, color, national origin, receipt of public assistance funds, sex, marital status, or the exercise of any right under the Consumer Credit Protection  More...
  • 5. What tactics are debt collectors prohibited by law from doing? Views: 26
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    Terms of Use: The Fair Debt Collection Practices Act applies to those who collect debts owed to creditors for personal, family and household debts, including car loans, mortgages, charge accounts and money owed for medical bills. A debt collector is someone hired to collect money owed by you. A debt collector may not: Contact you at unreasonable times or places, for example, before 8 a.m. or after 9 p.m., unless you agree, or at work if you tell the debt collector your employer disapproves  More...
  • 6. Basics about bankruptcy Views: 24
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    Terms of Use: When the amount of debt you have seems impossible to ever repay, one of the options you may consider is filing bankruptcy. This option, of course, should never be entered into lightly. Be sure that you have researched the pros and cons, and that you have considered alternatives to taking this drastic step. Discharging your Debts Having your debts erased is called getting a discharge of your debts. A discharge is actually a court order that proclaims that you do not have to pa  More...
  • 7. Medical bills Views: 23
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    Terms of Use: Did you know that bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year? Unpaid medical bills are the number one cause of bankruptcy filing in the U.S. today, outpacing bankruptcies caused by credit card bills or unpaid mortgages. The data finds that most of those who filed for bankruptcy were middle-class, well-educated homeowners and carried health insurance. Since bankruptcy is an extreme measure, perhaps there are steps you can take n  More...
  • 8. Should I close my credit card if I'm not using it? Views: 23
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    Terms of Use: With annual fees and interest rates on credit cards, you may be wondering whether to close out an account you're not using. Some are also concerned about identity theft as well as the need to simply control the amount of debt. Whatever your reason for considering closing a credit card account, here are some things to consider: If you close out a credit card that has an unpaid balance on it, your available credit (or credit limit) on that card goes to zero. Your credit score look  More...
  • 9. Your "Get Out of Debt" Step-by-Step Roadmap Views: 22
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    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
  • 10. How do I avoid going into debt during the holidays? Views: 22
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    Terms of Use You want to give gifts to friends and family but without sinking into debt. With a little planning, you can purchase gifts for others and avoid paying for them (plus interest!) for months or years later. Save in Advance Saving in advance offers several advantages over choosing credit for the holiday season. By saving in advance, your money will be earning interest instead of you having to pay it. This will lower your overall cost associated with holiday spending. Second, saving  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

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