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Consumer Credit And Debt

Financial articles covering a variety of debt and credit related topics

Copyright: Allied Debt Consolidation

Revolving and Installment Accounts
There are essentially two separate types of credit lines that can be made available to the consumer. These two types are called revolving and installment accounts.

Reward Cards
Offers tips on selecting the reward card that's right for you include airline credit cards, gas cards, travel rewards cards, and cash back credit cards.

Credit Card Traps
What to consider when applying for a credit card. There are many offers to choose from, but which is the right one for you.

Consolidation Loans
Is consolidating your debts right for you. Important factors to consider before doing so.

Home Equity Loans
Home equity loans are a great way to borrow at a lower rate and pay off higher rate debt like credit cards, but you are converting short term debt into long term debt and putting your house at risk in doing so..

Bankruptcy Basics
Covers chapter 7, 11, 12 and 13.

Budget and Budgeting
Creating a budget, or financial blueprint, is the first step in financial planning..

Credit Score and Interest Rates
Explains the relationship between credit score and interest rates.

Keys To Financial Security
Financial security doesn't just happen, you have to make it happen. Covers insurance, budgeting, planning, savings.

Conflicting Credit Scores
The Vantage credit score is the credit bureaus rating system designed to compete with FICO. This is why there may be differences between your score online and what the lender has.

Arm And Fixed Rate Mortgages
Compares ARMS and fixed rate mortgages.

Credit Cards and Credit Scores
Find out how having lots of available credit or closing out accounts impact your credit standing.

Negotiate With Creditors
Credit problems. Deal directly with your creditors, don't avoid them. You will be better off in the long run.

Credit Card Types
Which kind of credit card is best for you: secured, reward, student prepaid.

Pay Off Bills n Debts
Find out the best way to pay down your bills from paying off the highest interest rate debt first to paying the small bills off and getting them out of the way.

Mortgage Fraud And Fraudulent Lending
Offers hints and tips for spotting mortgage fraud and where to report it.

Reverse Mortgage Loans
In need of cash? A reverse mortgage allows you to borrow money on you paid off home and never have to repay. Article explains how it works.

Student Debt And Loans
How to shop for a student loan and how to pay for it after you get it..

Foreclosure - How to deal with creditors and lenders to forstall forclosure.

They broke your heart, don't let them break your bank! Divorce can be devastating not only emotionally, but financially as well.

Chapter 12 Bankruptcy
Chapter 12 deals with farmers, fishermen and other family owned and operated businesses.

File Chapter 11 Bankruptcy
Chapter 11 helps corporations, partnerships, sole proprietorships and individuals to reorganize their debts.

Restore Your Credit
There are many ways to repair your credit worthiness beginning by making your payments on time. The following article covers some of the ways you can repair your credit.

Budgeting - Money Saving Tips
How many ways can you save money? Budgeting is the key and your imagination is the limit. The following highlights just a few of the countless ways to save.

Credit Card - Secured And Unsecured
Information covering the differences between secured credit cards and unsecured credit cards.

Debt Settlement Negotiation Vs Debt Consolidation
Which is best for you? Highlights the differences between consolidating bills and debt settlement negotiation.

Mortgage Center
Offers a variety of mortgage related articles ranging from hints and tips to refinancing.

Mortgage Refinancing
Are you a candidate? Who should and who shouldn't consider...

Mortgage Tips
Offers general info when shopping for a mortgage.

Debt Consolidation Loan
Borrowing against your home? Article covers pros and cons.

Mortgage Glossary
Definitions of mortgage terms in the real estate industry.

Credit Card Travel
Offers tip when traveling overseas.

Consolidating Debts
Offers general info when shopping for a mortgage.

Credit Card Rate Hikes
Want to know why your rate went up? Just read your contract.

Covers chapter 7 and chapter 13 bankruptcy, bankruptcy revision act, debt consolidation vs bankruptcy and more.

Debt Consolidation vs Bankruptcy
File bankruptcy? Chapter 7? Chapter 13? Article offers a comparison between filing and debt consolidation and advantages and disadvantages of each.

Bankruptcy - Chapter 7 And Chapter 13
Information on chapter 7 and chapter 13 bankrukptcy and the pros and cons of each.

Bankruptcy Revision Act
Covers chapter 7 and chapter 13 bankruptcy.

Bankruptcy Terms
Glossary offer definitions of chapter 7, chapter 13, chapter 11, chapter 12 and chapter 13 bankruptcy.

Offers a variety of calculators to help compute the cost of everyday life.

Check 21
Check Clearing for the 21 Century Act. This act effectively eliminates "float time" and allows for "substitute checks" to be drawn on your account.

Credit Acts
Articles on fair debt collection, equal credit, credit billing, credit reporting and more.

Credit Card Blocking
Offers a variety of calculators to help compute the cost of everyday life.

Credit Cards
Offers the latest statistics on credit card debt.

Credit Report
Covers what a credit report is, how this information is used and why.

Debit Cards
Offers info on liabilities of debit cards, credit cards and ATM cards when the are lost or stolen.

Fair And Accurate Credit Transaction Act. New law enacted by congress allowing consumers to obtain a free copy of their credit report from all 3 major credit bureaus.

FiCO Score
Covers what fico scoring is and how it impacts you.

ID Theft
Important information on how to prevent ID theft and steps to take if you've been victimized.

Old Debt
Don't let old debt come back an haunt you. Covers debt collection scams and statute of limitations for old debt.

Payday Loans
Payday loans are small short-term loans usually a week or two made on post-dated checks.

Skimming uses technology to capture information such as personal account numbers, drivers license, and credit card numbers.

ID thieves newest method to scam consumers out of their account information.

Offers definitions.

Slash and Burn Savings
What if you needed and extra $10,000? What kind of "motivation" would you need to accomplish this goal? This article offers money saving tips for the "motivated"

Statute of Limitations
Covers state by state how long debt is legally owed.