Are You Managing Credit And Debt Or Is It Managing You?
Credit is an established part of American life. It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however, will lead to...
There are many actions that you can defend by saying oh, I was just young and foolish then, but when talking about credit this will only get you sympathy from friends. You can pay dearly for foolish financial decisions and laziness for years after you were young and foolish, keeping many people...
One of the most common ways to get a penalty charge from your credit card company is if you fail to pay your credit card monthly statement on time. Therefore, if you are finding that you are being charged with a lot of penalty charges on your card or cards, one of the first things you will need...
More than 30 million have credit problems cause by everything from late payments to bankruptcy. The American Bankruptcy Institute reports that, The number of bankruptcy cases filed in the 12-month period ending September 30, 2005, totaled a record 1,782,643.
Whether its brought on by...
Ever thought about paying off your credit card balances? Maybe you would like to be debt free just to reduce your stress. Or perhaps you need to be debt free to retire.
If you have Microsoft Excel running on your computer at home or work, you can use Excels NPER function to calculate how...
Having good credit is essential in todays world. Acceptable credit will generally get you what you want, but bad credit can be the kiss of death. If you want a house, you need a mortgage. If you want a car, youre likely going to take out a loan. Anytime you apply for credit, the lender is going...
Credit ratings or credit score are the records of a person’s spending pattern regarding credit cards and the repayment modes. Financial institutions, especially the credit card companies and the moneylenders, keep track of the credit statements of clients, their payment records and any...
Free gifts are great. And when free offers come in the mail, we may feel like were the most important person in the world! The problem is, when those free offers are from credit card companies, we may want to avoid signing up!
They like us because we have good credit. But it could be our...
When you think of going on vacation, does your mind drift to sunny Florida and a thrilling roller coaster ride? Do you love technology and movies? Then you must be a fan of the Universal Studios Parks and Resorts. Any visit to one of the parks or resorts is well worth remembering. It is a...
Paying Off Old Debt When Repairing Your Credit Can Hurt Your Credit Score
Paying the debt is also no guarantee that the nightmare will stop. The collector may decide that if youre willing to pay at all, you could be made to pay more. Settling a debt for a smaller amount than the...
Credit Rating: What Is It And Why Should I Pay Attention?
Far too few people know about something that has a huge impact on their lifetheir credit rating. They often learn about it after it is too late and pay dearly for it. You see you start forming your score as soon as you become a...
Credit card debt – it seems we are drowning in it. Each year, Americans rack up more and more credit card debt and it becomes harder and harder to pay them off it seems. Many of us have multiple credit cards with different balances meaning that each month we have to go through and make...