Considering Credit Counseling?
by Rob Kosberg Although repairing your own credit is highly recommended, it is sometimes beyond what you believe to be our capability ... you will find an abundance of agencies with magical sounding claims about fixing your credit ... questions. You’re going to want to find out how the process may affect your credit report, debt [more...]
Date: 2009-01-11 17:38:53
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Bank Woes? Foreclosures? Credit Crunch? A List of Scams From Kiplinger’s
"Think of a headline about the financial crisis, and criminals have found a way to exploit it. Bad credit? Bank problems? Home foreclosures? ... companies are counseling their clients to ruin—falsely claiming they can help repair credit reports ... by creditors.How to Avoid It? Find a legitimate credit-counseling agency at www.nfcc.org or www.aiccca.org. [more...]
Date: 2008-12-14 02:30:00
Give Yourself Some Credit
By Alphonso Smith One of the most prominent companies that exists today in the field of consumer credit counseling is CCCS has been providing ... that should be explored is the free 7 lesson credit repair ecourse offered at the end of this article ... consumer credit counseling services to clients for years and they have a proven track record [more...]
Date: 2008-11-30 11:02:04
Financial Planners Weigh In On Debt Relief
Ever since launching this Bankruptcy in Indiana blog series, I've kept coming back to the topic of debt consolidation, debt settlement, credit counseling, and debt repair, all forms of help being offered to debtors as alternatives ... With Credit Repair. Three weeks ago, in the "Personal Finance" section of the Indianapolis Star [more...]
Date: 2009-01-14 12:13:43
A Personal Bail Out Program for Consumers Stuck in the Credit Crunch
PASADENA, Calif., Sept. 24 (SEND2PRESS NEWSWIRE) -- Credit Crunch Fix (CreditCrunchFix.com) ... is not debt settlement or credit repair, nor legal counsel. Credit Crunch Fix allows consumers ... has launched a legal document preparation service, to let consumers request relief from past due [more...]
Date: 2008-09-24 16:49:15
Don’t Be Taken By Debt Consolidation or Credit Counseling Scams
Your credit cards are maxed out. Your mortgage is spiraling out of control. You have fallen behind on your car payments ... is that there is no “magical solution” to credit repair. Even those companies which decide to report negative ... your debt by 50% and they will fix your credit overnight. You call them, looking [more...]
Date: 2008-12-18 23:25:22
Sunday Roundup
We had a very productive day today. We changed the water in all three of our hydroponic garden reservoirs, ... Kelly is also dealing with car repairs, but of a bigger variety. She’s in the “repair or replace” ... some tips from the Consumer Credit Counseling Service for how to survive a recession/depression/economic [more...]
Date: 2008-10-20 05:58:17
Drowning in Overwhelming Debt? There is Help
by Eileen King as you already know, our economy has gone sour and many families are suffering ... . Credit repair experts will tell you that the road to financial recovery starts with a debt reduction ... you have accomplished the tasks above you are ready to make an appointment with a licensed credit counseling agency [more...]
Date: 2008-12-20 03:08:20
Beware of Credit Repair Scams
2009 may go down as the year when more Americans resolve to fix their credit than at any time in history – because high scores are now a requisite ... errors from your credit report. But at a hefty price for something you can do yourself. Others ... and paid them before they showed you results, call the FTC at 877-FTC-HELP and report them [more...]
Date: 2009-01-13 04:55:48
Ten Credit Mistakes People Make
Most children are not trained in how to handle credit by their families other than with vague platitudes like ‘pay your bills on time’ and ‘live below your means.’ Practical knowledge about interest rates, revolving credit and credit scores ... discover these mistakes by making them. So here is a list of the top ten credit mistakes most often [more...]
Date: 2008-12-24 13:39:30
Avoiding Bankruptcy
Avoiding Bankruptcy completely would be best for anyone considering the options, however in some cases, ... to attain a loan again, for example, and it will in fact stay in big red letters on your credit report ... would be speaking with a credit counselor. They have the ability in helping you possibly consolidate [more...]
Date: 2009-01-16 02:11:52
Fannie and Freddie to Announce Mass Loan Modification Program
re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit. Paying your bills on time only accounts for 30 [more...]
Date: 2008-11-11 19:02:07
Taking Advantage Of A Credit Legal Repair Service
by William Blake When it comes to restoring credit reports, there can seem to be nothing more important at that present moment ... of but do not go with a credit legal repair service just because they are cheap. You want to make sure ... your basic credit report repair service will be able to assist you but if they cannot, then there are other [more...]
Date: 2009-01-14 10:42:48
The Truth About Credit Repair
The Truth About Credit Repair This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling ... they are able to “repair your credit”. Time is the only way to heal your credit report. By making consecutive ... on your credit report, you can follow these simple steps: Contact the local credit bureaus. Obtain a [more...]
Date: 2008-06-12 15:30:25
Credit clean-up
"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... on your credit report. Credit repair companies can negoitate a repayment plan and might even get fees removed ... of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit [more...]
Date: 2008-10-27 19:40:13
Recognizing Credit Counseling Company Scams
People across the country are finding that they have used their credit unwisely and owe creditors a great amount of money that is increasing every ... to their financial problems, many people contact credit counseling companies that promise to repair their credit ... the risk of being taken advantage of by a dishonest credit counseling company. Telling [more...]
Date: 2009-01-10 05:23:38
Credit Counseling for Credit Repair
by Rob Kosberg Although repairing your own credit is highly recommended, it is sometimes beyond what you believe to be our capability ... , you will immediately notice that there is a plethora of credit repair companies promising you the moon and the stars. Sure, credit repair in 24 hours sounds great, but you can be sure that it’s not going [more...]
Date: 2009-01-12 23:53:50
Consumer Credit Counseling
Consumer Credit Counseling January 17, 2009 at 5:00 pm · Filed under Credit Counseling Services div style=’float: right; width: 100px; padding: ... on financed loans and credit card debt can become onerous and when you add in penalties and late fees ... impossible for anyone to compete in today’s arena without the aid of a credit card. And that’ [more...]
Date: 2009-01-17 22:00:36
Debt Consolidation Service
Last year, I made three credit cards and applied loans for buying a car and a house. From the first month until the sixth months, everything was ok ... , debt settlement, credit counseling, and credit repair. If you have many credit cards and loans ... the seventh month, it started to be disorganized because I haven’t been able to control my credit cards [more...]
Date: 2009-01-16 21:10:56
How Do Credit Counselors Help You?
by William Blake It is not unusual for a person to be shouldering much more debt then he actually can handle ... and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? A person with a sizeable debt that is hard [more...]
Date: 2009-01-15 10:32:19
Bankruptcy Laws Make Opportunity for a Credit Repair Business
by William Blake In times past people would find themselves in huge debt and with serious credit problems and they would quickly turn to bankruptcy ... and therefore more people realize that their only solution is to repair their credit. That creates a great opportunity for credit repair businesses. Must Speak With a Credit Counselor The new law [more...]
Date: 2009-01-05 07:26:11
Credit Repair For A Better Life
by Mike Carbeck Repairing your credit is never an easy thing. But, there are several things you can do to get yourself out of debt ... changing credit laws make it especially difficult for people to restore their credit to good standing. There are also laws that make getting copies of all three of your credit reports free [more...]
Date: 2009-01-06 09:37:28
Should You Pay Your Credit Card Bill Late? The Answer May Surprise You
One of our readers, Jay, sent us this question about debt negotiation: My wife and I earn $145,000 per year combined but have over $600, ... in student loans, over $8000 in 401(k) loans, over $18,000 in car loans, and over $93,000 in credit ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]
Date: 2008-12-09 15:49:26
Recession Proof Small Businesses
In times of economic trouble people’s minds turn to recession proof small businesses as career ideas There are some recession proof small businesses ... : consumer credit counseling services; companies that repair credit; headhunters, temp agencies or other ... to fix it. If you have repair or handyman skills [more...]
Date: 2009-01-14 11:00:30
Is There Any Such Thing As Free Debt Consolidation?
Is There Any Such Thing As Free Debt Consolidation? Many debt consolidation companies now offer something called “free debt consolidation ... or else a first-time counseling session. And in most instances, the first-time counseling session ... to hash out. In most case, people with bad credit or current debt problems often believe there is no way [more...]
Date: 2008-12-12 06:13:38
Economic Crisis Therapy or Fighting ‘Recession Depression’
Economic Crisis Therapy or Fighting ‘Recession Depression’ by Bob Waldrop, Forward: I’ve read a lot of useless psychological advice written about how to “cope” with foreclosures, bankruptcies and economic crisis. Bob’s article is a refreshing change of pace. Re-posted with permission. Enjoy [more...]
Date: 2008-12-05 07:08:10
Debt Negotiation Programs
Get Yourself Out of Debt You should be cautious of claims from so-called credit repair clinics ... , your ability to get credit. That’s why many states have laws regulating debt negotiation companies ... . Many companies appeal to consumers with poor credit histories, promising to clean up credit [more...]
Date: 2009-01-11 12:34:30
Bad Credit Debt Consolidation and Credit Card Debt Consolidation Tips
If you have managed to get yourself into a situation whereby you have many loans, credit card debt, mortgage, utilities, and other bills to pay, then think about credit card debt consolidation. It can be extremely difficult to get yourself ... your job or have a large medical or legal bill to pay. Even if there was no single, major event [more...]
Date: 2009-01-14 23:16:55
Confusing Consumption With Investment
People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... credit report Mortgage for people with bad credit Credit card machine to buy Free credit report ... home loan rate refinance Bad credit home improvement loan Bad credit personal loan 1 Home interest [more...]
Date: 2008-06-24 14:10:35
FAIR CREDIT REPORTING ACT: FOR CONSUMERS
by Rob Kosberg Consumers will find information about their rights in the Fair Credit Reporting Act (FCRA). Please go to www.ftc ... There is much information on your credit report regarding your financial picture. Even though most ... on your credit report is negative information that can be proved to be true. When you do the comparison [more...]
Date: 2008-12-30 12:18:02
Auto Lemon Laws — Do You Need a Lawyer?
Auto Lemon Laws — Do You Need a Lawyer? January 15th, 2009 Buying a new automobile is usually a bid decision for most people, ... letters to the manufacturer that state your problem and filing a claim with your state&#39s Attorney General&#39s office. You must also submit your vehicle for repair of the problem; each state requires [more...]
Date: 2009-01-15 22:55:32
The Federal Trade Commission has outlined some clear guidelines
The Federal Trade Commission has outlined some clear guidelines that will assist you in choosing the credit repair service that best fits your needs. Credit counseling agencies should respect the law and never make you empty promises. Remember ... and whitewash from agencies that promise to erase your debt and completely restore your credit rating [more...]
Date: 2009-01-15 01:34:15
Recession Proof Marketing Strategies For An Internet Based Business
We are all no doubt feeling the effects, in some way or another, of the recession that hit the world economy in 2008 ... do with what they have got and tend to repair rather than buy new items. During these times of financial uncertainty [more...]
Date: 2008-12-15 21:07:08
The Top Franchise Trends For 2009
Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan. More tips ... entrepreneurial ventures. Franchise Loan Availability The financial institutions are still going through [more...]
Date: 2009-01-09 07:30:34
Latest News in Debt Consolidation - Jan 15, 2009
debt consolidation, counseling, settlement and elimination - Allentown Mornin… 14 Jan 2009 at 1: ... ; Consolidation of Redundant Labor, Facilities and Contractual Expenses Contribute … Credit Solutions ... - (Business Wire) Credit Solutions set a new industry record this month, settling $800 million [more...]
Date: 2009-01-15 15:55:16
Credit Scams: Part 1 – Credit Reports
Credit Scams: Part 1 – Credit Reports This is part one of a two part guest post from Debt Lead, ... in your credit file. The credit repair scam artists who run these ads can’t deliver. Only time, a deliberate ... you understand credit reports so you can be an informed consumer, while part 2 looks at credit repair [more...]
Date: 2008-06-19 15:32:02
Someone else's view on the Phone Book
Nearly every time I feature an article from someone about the Yellow Pages, or Phone Book, the folks who publish the book or sell the ads seem to flock to see what I wrote. This time I'm featuring a white paper from Killian & Company Advertising: Why Are the Yellow Pages like Nursing Homes? [more...]
Date: 2008-12-08 13:46:01
The Top Debt Consolidation Companies
The Top Debt Consolidation Companies Debt consolidating companies vary in the services and debt management programs they offer ... consumer debt management services is the Federal Credit Unions, which operates in a number of different states. The Unions will help consumers decide their needs for debt reduction and is a “Non-Profit [more...]
Date: 2009-01-05 13:32:10
Credit Scams: Part 2 - Different Credit Repair Scams and False Claims
This is part two of two part guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling. If you’ve missed part one on credit reports, click here. The credit repair scam artists ... credit repair scams that are circulating newspapers, television, magazines and radio. Credit [more...]
Date: 2008-06-20 15:30:42
How to Find a Lender for Debt Consolidation
How to Find a Lender for Debt Consolidation When you find that your bills are difficult to pay because of high interest rates and payments, ... , debt negotiation, and credit. Debt consolidation is the procedure of taking charge of your life again. Debt consolidation lenders help you to eliminate interest rates on your credit cards, and rates [more...]
Date: 2008-12-16 06:18:13
The Fair Credit Reporting Act for Consumers
by Rob Kosberg The Fair Credit Reporting Act (FCRA) is written as a protection for the consumer and not the credit reporting agencies ... Please Beware of companies that advertise ability to change your credit score almost overnight ... that you have a right to see the information all credit reporting agencies [more...]
Date: 2009-01-17 11:38:02
Repairing Your Credit Score: To Pay or Not to Pay
Repairing Your Credit Score: To Pay or Not to Pay There are tons of advertisements on television, online, ... and in print that showcase companies ready, willing, and able to hammer repair your credit score ... Reporting Act does not allow anyone to remove information from a credit report but does permit [more...]
Date: 2008-12-20 00:13:03
Five Reverse Home Mortgage Scams to Watch Out For
Five Reverse Home Mortgage Scams to Watch Out For Posted by Dark Spider at January 7, 2009 By all accounts, reverse home mortgage growth is set to explode. Baby boomers are reaching retirement and, for most, home equity makes up the largest part of their nest egg [more...]
Date: 2009-01-07 00:07:52
FTC Helps With Your New Years Resolution to Manage Debt
Information from the Federal Trade Commission to Help You Manage Debt: Knee Deep in Debt Having trouble paying your bills? ... , consider these options: realistic budgeting, credit counseling from a reputable organization, debt [more...]
Date: 2008-12-30 17:45:34
Banks Have Few Options In California
The North County Times reports form California. “Working as a real estate agent, insurance dealer, income tax preparer and credit repair specialist, Miguel Romero has helped Latinos buy 122 homes [more...]
Date: 2008-06-15 18:36:34
Credit Counseling And Bankruptcy
When the bankruptcy laws changed in 2005 mandatory credit counseling became a prerequisite for bankruptcy. I have to admit, that when it declared bankruptcy it was the credit counseling sessions ... and you are worried about some of the same things, I can honestly tell you that the credit counseling [more...]
Date: 2008-12-01 15:39:25
How Does Bankruptcy Affect Your Credit?
How Does Bankruptcy Affect Your Credit? Written by Credit Karma December 9th, 2008 at 5:43 AM CST No comments The worst negative record that you can possibly have on your credit report ... on your credit report can last for as long as a decade. You may not be able to get approved for credit [more...]
Date: 2008-12-08 21:45:14
9 Methods for Mastering Your Money in 2009
2008 was a miserable year for money. The stock market tumbled, unemployment soared, the housing market continued to crumble, ... is to take control of your money (instead of letting it keep control of you), this crash course in financial [more...]
Date: 2009-01-05 13:00:21
Non-profit Debt Consolidation
Non-profit Debt Consolidation Non-profit debt consolidation programs will save consumers energy, stress and time. Also non profit debt consolidation can save thousands a year. Non-profit debt consolidation ... for getting out of debt is to stop relying on non-profit or other sources to manage your life. Non-profit [more...]
Date: 2008-12-19 06:25:04
Recession Proof Marketing Strategies For An Internet Based Business
Recession Proof Marketing Strategies For An Internet Based Business By Cynthia Minnaar on Dec 15, 2008 in E-Business | comments(0) ... do with what they have got and tend to repair rather than buy new items. During these times [more...]
Date: 2008-12-15 20:56:25
