Published: Tue, 23 Aug 2016 11:21:09 +0000
2016-08-23T11:21:09ZBeing broke doesn't mean you have to spend your life in debt. Spending less and earning more are two key ways to pay off debt when you're broke.
2016-08-23T11:21:09ZHigh interest rates make it harder to pay off your debt. Here are some strategies for paying off debt that has a high interest rate.
2016-08-23T11:21:09ZDebt settlement aims to reduce your debt, but often at the expense of your credit history. Find out why debt settlment may not be the best solution.
2016-08-23T11:21:09ZI;s so easy (and often fun) to get into debt, but painfully difficult to get back out. Here are some strategies to reduce or eliminate debt.
2016-08-23T11:21:09ZKnowing your rights is an important step to protecting your credit. Every consumer should be familiar with these basic consumer credit laws.
2016-08-23T11:21:09ZPaying back your credit card debt isn't as easy as getting into it. But, it can be done. With a plan, you can achieve a life free of credit card debt.
2016-08-23T11:21:09ZLike many first steps, getting your first credit card is not always easy. Here are some tips on how and where to get your very first credit card.
2016-08-23T11:21:09ZThe statute of limitations on a debt keeps debt collectors from winning a lawsuit. It varies by state & depends on the account's last date of activity.
2016-08-23T11:21:09ZTaking care of charged-off accounts helps improve your credit score, but paying a charge-off usually isn't enough to remove it from your credit report.
2016-08-23T11:21:09ZUse this sample pay for delete letter to negotiate removal of negative collection accounts and charge-offs from your credit report.
2016-08-23T11:21:09ZGet a better understanding of how the credit card billing process works from making purchases to making payments.
2016-08-23T11:21:09ZMaking late credit card and loan payments will definitely hurt your credit score, but there are some payments that will never see your credit report.
2016-08-23T11:21:09ZOnce you make your way to a good credit score, keep it is important. Here are some ways to maintain a good credit score.
2016-08-23T11:21:09ZEach state has its own statute of limitations on debt - the amount of time you can be sued for a debt - that can help you decide whether to make a payment or arrangement with a debt collector.
2016-08-23T11:21:09ZThe credit reporting time limit keeps negative information on your credit report for a minimum of seven years, with some exceptions.
2016-08-23T11:21:09ZFollow these steps to remove old, outdated information from your credit report after the 7- or 10-year credit reporting time limit has expired.
2016-08-23T11:21:09ZTechnically, debt collections are supposed to stay on your credit report for seven years. But, there are a few ways to remove debt collections sooner.
2016-08-23T11:21:09ZRemoving negative credit report information can improve your credit score. Here are some ways to remove negative information from your credit report.
2016-08-23T11:21:09ZIf you don't like your current credit standing, check out this list of things that can boost your credit score.
2016-08-23T11:21:09ZBefore you apply for a credit card, it helps to know how to qualify for a credit card. That way, you can estimate your chances of getting approved.
2016-08-23T11:21:09ZTo calculate your own finance charge, you just need to know the balance, interest rate, and billing cycle (if it's shorter than one month).
2016-08-23T11:21:09ZCredit report errors can hurt your credit score. Find out how to dispute credit report errors with the credit bureaus.
2016-08-23T11:21:09ZRenting with bad credit can be easy or hard depending on where you're looking. Find out how to get around the credit check and rent an apartment even with bad credit.
2016-08-23T11:21:09ZSeveral laws exist that protect the rights of consumers with credit cards. Become familiar with your credit card rights.
2016-08-23T11:21:09ZBorrowing a loan can help you meet certain financial goals. To help you make the right borrowing decision, here are seven types of loans to know.
2016-08-23T11:21:09ZYour credit card balance affects your credit score. Learn the ideal credit card balance for a good score as well as how to get there.
2016-08-23T11:21:09ZIf you haven't used your credit card in a long time, it may be inactive. Here's how you can find out whether your credit card is active.
2016-08-23T11:21:09ZFunding your debt plan might be hard if you depend on your current income. Here are some ways you can come up with extra money to get out of debt.
2016-08-23T11:21:09ZDebts can fall into one of two categories: secured and unsecured. Make sure you know the difference before you borrow.
2016-08-23T11:21:09ZA credit card application can be denied because of credit history or other factors. Here are some reasons your credit card application can be denied.
2016-08-23T11:21:09ZOpening a new credit card account may have a negative effect on your credit score. However, the point loss may be temporary.
2016-08-23T11:21:09ZA credit card charge-off is an account status that shows you've missed several payments. Don't let the name fool you, you still owe a charge-off.
2016-08-23T11:21:09ZSecured loans are different from unsecured loans in one key way. Secured loans require you to use an asset to secure the loan.
2016-08-23T11:21:09ZCredit card operate on a billing cycle, the period of time between billing statements. Billing cycles don't necessarily line up with calendar months.
2016-08-23T11:21:09ZDownload this free budget worksheet to create a plan for your money each month. There are a color and an ink-friendly black and white version.
2016-08-23T11:21:09ZYou may be nervous about applying for your first credit card, but knowing what to expect from the application process can help ease your concerns.
2016-08-23T11:21:09ZA finance charge will be added to your credit card balance when you carry a balance on your credit card. Learn how you can avoid paying credit card finance charges.
2016-08-23T11:21:09ZYour credit score moves up or down based on the information on your credit report. Here are some actions that can hurt your credit score.
2016-08-23T11:21:09ZDebt validation is your right question the validity of a debt collection. If the collector can't validate the debt, they can't collect from you.
2016-08-23T11:21:09ZWhen you're paying a debt collection, you want to do it in a way that helps your credit. Here are five tactics for paying your debt collections.
2016-08-23T11:21:09ZHaving bad credit can make life extremely difficult. Here are some of the most common side-effects of bad credit.
2016-08-23T11:21:09ZWhen you're broke, there some things you just can't afford to do. Changing your spending habits is the best way to turn your finances around.
2016-08-23T11:21:09ZCredit card cash advances are expensive and generally a bad idea. If you must take out a cash advance on your credit card, here are tips to do it.
2016-08-23T11:21:09ZBefore you take the scissors to an unwanted credit card, follow these simple steps to be sure your card is closed correctly.
2016-08-23T11:21:09ZDebt validation is how you get debt collectors to prove you owe them the debt. Get answers to common questions about how debt validation works.
2016-08-23T11:21:09ZIn the US, there are three major credit bureaus that collect your credit account information and sell it to businesses who have a permissible purpose.
2016-08-23T11:21:09ZTime-barred debts are those that are no longer collectible through the court because the statute of limitations on these debts has passed.
2016-08-23T11:21:09ZLearn how to reduce your liability for charges made on your stolen credit card. Responsibility, detection and reporting of stolen cards and false charges.
2016-08-23T11:21:09ZCredit card skimming is a type of credit card theft where thieves steal your card information then sell it or use it to make fraudulent purchases.
2016-08-23T11:21:09ZCredit repair isn't a secret skill or process only available to credit repair companies. You have the power and the right to fix your own credit.
2016-08-23T11:21:09ZChapter 7 allows you to discharge debt after some assets have been liquidated. Chapter 13 allows you to discharge debt after completing a payment plan.
2016-08-23T11:21:09ZDon't be confused by all the different credit cards. Get familiar with the different types of credit cards to choose the right one for you.
2016-08-23T11:21:09ZA cash advance is one of the types of transactions you can make on your credit. You can get cash in your hand, but the cost may not be worth it.
2016-08-23T11:21:09ZCollectors hassling you for payment? There are consequences to ignoring their attempts to collect. Learn what happens if you don't pay a collection.
2016-08-23T11:21:09ZA late credit card payment can have more consequences than you might realize. The more late you are, the worse the consequences will be.
2016-08-23T11:21:09ZIt can be hard at first, but with some sacrifice and self-discipline, you can learn to live within your means.
2016-08-23T11:21:09ZStarting out with your first credit card can be confusing. Here are some tips that will help every credit card beginner.
2016-08-23T11:21:09ZIf your credit card application is denied, here are some things you can do to figure out why and improve your chances at getting approved next time.
2016-08-23T11:21:09ZThere are a few ways you can find out which collection agency you owe. If you can't find them, they'll eventually find you.
2016-08-23T11:21:09ZCredit utilization is the ratio of your credit card debt to credit limits. It has the second biggest factor influencing your FICO score.
2016-08-23T11:21:09ZIf you want to remove your name from a cosigned loan, the lender will have to agree. Here are steps to get your name off a loan you regret cosigning.
2016-08-23T11:21:09ZYour credit history affects everything from buying a home to financing your education and even getting a job. Do these things to build good credit.
2016-08-23T11:21:09ZWhether to pay an old debt is a common dilemma. If it's still on your credit report, there are more reasons to pay than there are to not pay it.
2016-08-23T11:21:09ZGetting a credit card with no credit history is tough, but not impossible. Find out how to get approved for a credit card when you have no credit.
2016-08-23T11:21:09ZMaking a budget is the first step to paying off your debt. Having a budget is one of the most important steps to managing your money.
2016-08-23T11:21:09ZIf you spot unauthorized credit card charges, you should report them immediately, regardless of the amount, even if you haven't lost your credit card.
2016-08-23T11:21:09ZGood credit is one of the best things that can happen to your finances. Check out these nine benefits of having a good credit score.
2016-08-23T11:21:09ZPaying credit card interest can be expensive, but there are ways you can avoid paying interest on your credit card. Avoiding can save you hundreds.
2016-08-23T11:21:09ZKnowing when your credit card bill is due is important to paying on time. Here's how to know when your credit card issuer expects your payment.
2016-08-23T11:21:09ZA charge-off causes serious damage to your credit score. You may hope you can improve your credit score by paying it. That may not happen.
2016-08-23T11:21:09ZYou can close your credit card over the phone, but a letter gives you proof. Here's a sample letter you can use to close your credit card account.
2016-08-23T11:21:09ZHow worried do you have to be about a call or letter from a debt collector or a debt collection on your credit report?
2016-08-23T11:21:09ZRebuild your bad credit to prove to your creditors that you can pay your bills on time. Learn what it takes to rebuild your bad credit score.
2016-08-23T11:21:09ZPersonal loans are unsecured loans with a fixed amount = and repayment period. Here's what you should know when you're shopping for a personal loan.
2016-08-23T11:21:09ZIf you discover that a thief or scammer has opened a credit card in your name, contact the credit card issuer to have the card closed immediately.
2016-08-23T11:21:09ZZombie debt is old debt purchased by debt collectors hoping to intimidate consumers into paying. You have several tools you can use to fight back.
2016-08-23T11:21:09ZSome credit cards charge an annual fee each year you have your card. In some cases, the annual fee is worth it, but it depends on the card's benefits.
2016-08-23T11:21:09ZChapter 13 bankruptcy is for the individual consumer who has a regular income and doesn't qualify for Chapter 7 bankruptcy or the individual who has assets they don't want to have liquidated.
2016-08-23T11:21:09ZYour credit history is compiled in a single credit report and used to calculate your credit score. Learn your credit report and score affect you as a consumer.
2016-08-23T11:21:09ZFees and interest make credit card cash advances the most expensive transaction. Learn why you should avoid a credit cash advance as much as possible.
2016-08-23T11:21:09ZYou can use a goodwill letter in credit repair to request a creditor make a courtesy update to your credit report for an account you've already paid.
2016-08-23T11:21:09ZDebt collection calls are usually unwanted and can border on harassment. The federal law gives you rights that help you stop debt collector calls.
2016-08-23T11:21:09ZIf you're approved for a credit card with a low credit limit, it may be the credit card or it may be your credit. Learn what to do with a low limit credit card.
2016-08-23T11:21:09ZHere are 8 possible reasons that your credit score dropped. Learn if one of these explains your credit score drop and learn whether you can fix it.
2016-08-23T11:21:09ZWhen you make a credit card payment, it may not post right away. Here's when you can expect your credit card payment to post to your account.
2016-08-23T11:21:09ZIgnorance isn't bliss when it comes to credit cards. There are certain things you should know about every credit card you carry.
2016-08-23T11:21:09ZCredit card issuers process credit limit increases much like new credit card applications. Learn why your credit limit increase may have been denied.
2016-08-23T11:21:09ZWhether you have a little bit of debt or a lot of it, knowing how to manage your debt is crucial to your financial health.
2016-08-23T11:21:09ZYour card issuer may cancel your account if you're not using it. Here are tips on how often to use your credit card to keep it in good standing.
2016-08-23T11:21:09ZLearn how to put together a plan to get out of debt, decide which debts to focus on, and how to create a budget to get out of debt.
2016-08-23T11:21:09ZThere are some strategies you can use to remove a closed account from your credit report before the credit reporting time limit is up.
2016-08-23T11:21:09ZMany people mistakenly think Visa or MasterCard is their credit card issuers, but that's not the case. Who is your credit card issuer?
2016-08-23T11:21:09ZYou can prevent identity theft by freezing your credit report. A security freeze locks your credit report and thieves can't get credit in your name.
2016-08-23T11:21:09ZA secured credit card can help you re-establish your credit history if you have bad credit and you find it hard to get approved for a credit card.
2016-08-23T11:21:09ZTaking out a loan can impact your credit score. Even applying for one can reduce it. Learn how borrowing money affects your financial health.
2016-08-23T11:21:09ZThe best prepaid cards have minimal fees along with free direct deposit and online bill payment capability. Check out a list of the best prepaid cards.
2016-08-23T11:21:09ZThe Green Dot Prepaid Card can be used for electronic payments just like a credit or debit card, but without the credit check or checking account.
2016-08-23T11:21:09ZYour debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.
2016-08-23T11:21:09ZThe average daily balance method is one of the ways your creditor might calculate your finance charge. Find out how the calculation works.
2016-08-23T11:21:09ZCustomize this sample goodwill letter to ask creditors to remove negative information to from your credit report.