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As the economy continues its rough ride, the fallout from mortgage and credit card late payments and delinquencies has dropped the credit scores of consumers across the country. As credit scores take a higher profile from news reports to conversation at cocktail parties, more consumers are taking interest in their credit reports. The problem with all the information and chatter is that much of it doesn’t accurately reflect what is important regarding credit scores and what is not.
Take this true/false test to see where you stand:... Read More

A Debt Management Plan (or DMP) is an informal agreement with creditors reducing the monthly repayments that they accept so that these fit within an affordable budget. With the significant increase in the number of IVA applications over the past 2-3 years, Creditors seem more and more keen for people to use a DMP to resolve their debt problems. I have seen a number of creditors hard sell the DMP solution suggesting that it is far better for the individual than an IVA. However, who’s best interests do the creditors have at heart?... Read More

If you are having trouble balancing your income and expenditure because of large debts then read on and discover your options in credit card debt consolidation.... Read More

If you need to save money, it is very important that you start a budget at home. Although you may think that there is no way you can cut corners, the truth is that there are ways you can do it. You can cut corners in areas that range from your utility bills to how much you pay for groceries each month. If you save money in just these two areas alone, you may be pleased to find that you can save quite a bit of money. If you apply this to all areas of your life, you will be amazed that saving money is so easy. ... Read More

Racking up consumer debt is very easy to do. You may have done so without even noticing. A few charges here and there and bam! You’re hit with high interest rates that make it practically impossible to make a dent in that debt. You may have special circumstances that forced you into debt; illness, divorce, the unexpected death of a loved one, or even unexpected home or vehicle repair expenses. The problem is that while credit card debt is piled up, interest only grows. If you pay only the minimum amount due each month on any given credit card, you are very unlikely to ever pay it off fully. You may even feel so deep in the hole and discouraged about ever paying off your debt that you may consider bankruptcy. Before you give up, you should know that there are ways to work around your debt and get ahead despite those soaring interest rates.
In these tough economic times, paying even just the minimum due on each of your credit card accounts can prove to be quite difficult. If you are looking for ways to reduce household costs or increase monthly income, consider how getting rid of your debt will affect your finances.... Read More

With several valid debt reduction options, how do you choose the best one to fit your needs? What options are available? Options range from bankruptcy to simply doing nothing and several ideas in between. We would like to take a moment to explain some of the valid credit card reduction options and how they affect your credit report.... Read More

To say “credit cards have ruined our economy” would be a massive overstatement. While credit card debt may have led to the ruin of many relationships, marriages and credit records, it is not entirely responsible for the downfall of our economy. People have been using currency and credit in one form or another since man learned to bargain with each other. Banks and credit card companies simply refined the process of credit-based-bargaining and added interest. ... Read More

For decades, Americans have used credit cards for many different reasons. Some use them for emergencies, bills or clothing; some people use their credit card for entertainment, miscellaneous spending and the list goes on. Whatever we use our credit cards for; the fact is that Americans are in debt, and a lot of it. The risks of carrying cash have all but dissipated with the newer form of interest-laden currency.... Read More

You may have seen the following ads or something similar : Separated? Divorced? Bankrupt? Widowed? Bad Credit? No Credit? No Problem; Make the call NOW and get the credit you deserve! Even if you’ve been turned down before, you owe it to yourself and your family; Your major credit card is waiting.... Read More

If you think living a life free of credit card debt sounds impossible, think again. The economy is in a recession. Credit card companies are willing to lower interest rates and work with consumers to ensure they get paid. These companies knew that extending credit to millions of customers would be a risk. That’s why they include such rigorous credit checks. They also understand that things happen. ... Read More