Debt Consolidation, Money Management

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Credit and Credit Repair Articles

Last Ditch Money to Stop a Home Loan ForeclosureAre you facing the prospect of losing your home in a bank foreclosure? Many who are experiencing a temporary financial squeeze will withdraw cash out of their IRA in order to save their home. However, getting a loan from your retirement account may be a smarter way to go than taking an IRA early distribution.

Getting the Most from your Credit Card In 1951, Diners Club issued the first credit card to 200 customers who could use it at 27 restaurants in New York City. From that modest beginning, credit cards have become an indispensable part of modern life.

Getting a Loan with Bad Credit No matter what your credit history is the simple fact is that at some point in your life you will need a loan. If you have a few black marks on your credit report and you are feeling that your bad credit will not enable you to qualify for loans, do not feel despair because there are banks that will lend to people in your situation.

Do you Know the Benefits of Checking your Credit Report? Did you know that studies have shown that credit files have an error rate as high as 70%, often the result of simple human or computer error. Sometimes these errors show you being late in paying your bills when you are not.

Make Your Credit Card Your Best Friend If someone said to you, 'credit cards can save you a ton of cash', what would be your answer? Believe it or not, by making a few adjustments to the way you use your card, you can just as easily have it working for you rather than against you.

"A Dozen Ways to Pay Off Those Credit Cards in the New Year," There will probably be two items on many of our New Year's Resolutions this year: lose weight and pay off debt. Both have simple solutions! The way you lose weight is to burn less calories than you take in; and the way to pay off debt is to earn more than you spend. How to start? Cutting back on living expenses.

Credit Repair Increases Your Chances Of Getting A Loan Anytime you apply for a loan with any type of lending institution your credit report comes into the picture. This report is an overview of your credit history that contains past and current accounts, payment history, and balances. The credit report is a primary tool used by lenders to determine the level of risk they take when extending you credit. For many people, the credit report is just a formality. But for over 65% of the population, it can mean the decline of their loan application. Why? Because their report shows negative, misleading or inaccurate entries.

Is Your Credit Score Killing Your Loan Chances? Credit score? You didn't know you had such a thing, did you? Many people don't, but your awareness of this all-important credit evaluation tool can literally make or break your chances of securing a loan.

Untangling the Mysteries of Credit Reporting Contrary to popular belief, paying your bills on time DOES NOT guarantee a good credit report. In fact, according to Consumer Reports magazine, 48% of consumers have errors in their credit files, and 12% of those errors are severe enough to result in credit denial!

Credit Repair Fraud! If you have credit problems, you're a prime target for scammers out to make quick money off your ignorance. Letters or postcards in your mailbox may claim that a company can erase bad credit, remove bankruptcy and liens from your credit file and generally restore your credit report to gleaming condition. All they ask is that you pay them for the favor. Some companies are charging upward of $500 to do work on your credit report. You can do that yourself!

Credit Card Debt: Is Silence to Blame? I'm sure by now you've encountered the following harsh statistics: Eighty percent of American households have credit cards and carry an average balance of $7,000. Nearly half of American households struggle to make minimum payments on credit card bills and the past few years have seen record numbers of personal bankruptcy filings.