Popular Tags, Blogs, and Videos about credit

Debt Reduction is more Important than Your Credit Score

If you are a baby boomer with a pile of consumer debt, you are not alone ... those with significant credit card debt to worry about. According to a report from the New York Times, credit card companies are showing increased flexibility with consumers who have significant [more...]

Date: 2009-01-04 00:34:49

Blog posts (176) | Videos (229)

End Your Bad Debt

This article should give debtors a chance to look at their fianancial position and help put their debt in order ... . Debtors struggle to pay back almost all the monies they owe on credit cards. Debt collectors might ... you are supposed to make on any unsecured credit such as personal loans, overdrafts and credit cards [more...]

Date: 2008-12-19 01:33:15

Mortgage Delinquencies Continue to Climb, Watch Out for Other Loans

It's beginning to get really ugly out there... unfortunately 13 months ago when we were told "this is just a subprime issue" ... of the iceberg - we have alt A mortgages, option ARMs, prime mortgages, credit card loans, auto loans, student loans, credit card debt. It's all coming down the pike. It appears the pike is coming right [more...]

Date: 2008-09-23 17:13:49

Do You Want to Know How to Get Out of Debt Fast?

This is a question that millions of people across the United States want an answer to everyday ... is to stop accumulating more debt. Most debt is in the form of credit cards so it’s time to get rid ... up all your bills and credit card statements for one month; you’ll also need your check book register [more...]

Date: 2009-01-17 00:24:25

Government Bailouts & Government Lies

“We’ve been suckered again … or so it seems” You might recall that we weren’t terribly fond of the $700 billion Troubled Assets Relief Program ( ... on financial institutions and thaw out the frozen credit markets. As usual, the government and its insider ... markets which supply consumer credit in such areas as credit card debt, auto loans and student [more...]

Date: 2008-11-13 20:06:37

I’m Hit By The Credit Contraction

A year ago, I was still getting awesome credit card offers promising a year without interest payments and other incentives. My credit score is over 600. Neither my score nor my financial situation has changed much ... credit cards with a cumulative limit of about $100,000. I went $20,000 into credit card debt in 1995 [more...]

Date: 2009-01-01 00:15:56

Bank of America Seeks Second Bailout From Treasury Department

Yesterday, I speculated on the question of whether a bailout of those in credit card debt would be fair ... bailout funds to one of the nation’s largest credit card issuers. Just when I had begun to think ... .  Now, after its acquisition of mortgage lender Countrywide and investment bank Merrill Lynch, the fact [more...]

Date: 2009-01-14 23:32:04

== The Debt Elimination Industry is BOOMING! ==

Credit Card debt is at an all time high, in fact it’s up  to 2.8 Trillion Dollars.  This means Millions of Consumers are in debt & need help! Help that you can provide them with.  You can help consumers in dealing with their debts, save them money and potentially earn thousands per client.       Imagine if a close family member of yours [more...]

Date: 2009-01-17 03:46:16

Credit Blemished Over Imaginary Credit Card [Debt Collectors]

The NES collection agency is coming after Nancy for a debt on an account number she's never owned. She's trying to beseech BoA billing for a resolution and to fix her credit history. That may be completely the wrong way to go about it. Here's her story: Nancy writes: I had an MBNA credit card [more...]

Date: 2008-10-30 19:20:44

Saving yourself form debt

When it comes to taking care of your finances, nothing more than ever ruins your financial position than having a large amount of debt which is ... you a black eye with the credit bureau and any applications for new loans or credit cards would probably ... on paying your bills from credit cards, loans and mortgages without realizing that you are barely [more...]

Date: 2008-12-28 01:21:40

FTC Reports Increasing Collection Abuse Complaints

Are you the victim of collection abuse? As economic problems in America worsen, debt collection methods become more aggressive ... billion in revolving debt such as credit cards. In 2003, Americans owed a total of $770 billion, showing ... their credit card bills on time. The American Bankers Association revealed 4.5 percent of bank-issued credit [more...]

Date: 2008-11-11 01:42:27

Debt Management in Manchester

If you are finding it difficult to keep up with your repayments on debts like credit cards, catalogues or store cards, then we may be able to help you sort out debt management Manchester. Our helpful advice comes from long experience and is perfect to help relax your debt worries. Use our free call back service [more...]

Date: 2009-01-17 02:20:09

TANSTAAFL - Ya gotta pay it sometime!

When TMEW and I spend more than we should, we end up paying for it later - by not buying much later ... more debt than they took on... Seasonally adjusted consumer debt -- including credit cards, auto loans and other unsecured debts -- fell by a record $7.5 billion, or a 3.7% annual rate, to $2.58 trillion [more...]

Date: 2008-12-16 18:44:16

Finance - Books on Personal Loans

by Jorg Maurer Personal loans and all the terminology that goes with it can make your head spin after awhile ... issues including fixing up homes, then this book will give you calibre information in both areas. “ ... you information on how to pay off debt, including credit cards and personal loans. “Live Debt Free” (3rd Edition [more...]

Date: 2009-01-16 11:31:03

Money for nothin’, chicks for free?

Ahhh, January. Playoffs and payoffs. The henhouse gets a little crowded when more than a few of the credit chickens come home to roost ... the check as income, even though it was…last year. That’s what debts are like. Like the credit card bill ... s like for people who buy everything with credit cards, don’t pay them off, and end up just making minimal [more...]

Date: 2009-01-15 15:34:08

Unknown Caller calling from 949-378-1849 (Irvine, CA)

Jacob reported a Unknown Caller (9493781849 from Irvine area, CA) . The following comments were posted: Received a text message that says "Is your credit card debt $10,000 or more? Our debt relief program can lower your payments immediately. May we please give you a call?" Spammers are now openly hitting the cell phones? Where can I file an official complaint?? Permalink: http://www.numberinvestigator.com/phone/949-378-1849.html [more...]

Date: 2009-10-01 23:19:11

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 ... of finding errors is high. In fact, one in four credit reports contain errors. These include data entry ... on credit card debt, so want to feel very certain that you're going to pay them back before they [more...]

Date: 2009-01-13 04:55:48

Catching Up

So.  I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]

Date: 2009-01-16 05:41:49

Christmas Shopping Tips to Keep Your Holiday Spending Under Control

Do the holidays put a strain on your budget? It can be one of most expensive times of the year; ... season. Create a holiday budget: If you already have credit card debt you don’t want to increase ... . Go debit: Debit cards wearing a bankcard logo are typically welcome at most stores where credit cards [more...]

Date: 2008-11-14 23:31:29

Falling Out Of A Bed That Gets Higher Every Day

The Herald Tribune reports from Florida. “Mark Brivik, a real estate investor who made a living buying, ... off her credit cards and ripped them up.” Still, even without credit card debt, Lesso is struggling [more...]

Date: 2008-11-24 14:34:43

Loan For Bill Consolidation - An Attractive Alternative?

Many people in the US today are deep in debts that they are not in a position to repay ... over them Correct your dropping credit scores. Boost your credit ratings Leaves you without any debt ... . Many people to own several credit cards and bad debtors, usually would have bad repayment record [more...]

Date: 2009-01-16 17:50:56

Painful eyes

A lot of emails come my way every 24 hours. Some stand out. Like this one. Not just that she’s a realtor who likes me ( ... citizens have become. Not just because she now laments the influence of cheap credit and easy money ... to holding mortgage and credit card debt to the tune of 75 Billion, they say well that’s normal that’ [more...]

Date: 2009-01-17 03:17:13

Getting Out of Debt Quickly pt 1

You are probably familiar with this feeling: Your bills are constantly piling up, but you feel so far behind that you simply cannot bear to even open them. When you do open them, you quickly realize that there is only enough saved up in your bank accounts for you to make the minimum monthly payments and nothing more. You have plenty of other company all over the country. The average family in America is carrying between $8,000 dollars and $9,000 dollars in debt on their credit cards alone. [more...]

Date: 2009-09-25 11:16:53

Be Debt Free with Bills IQ

My husband and I just bought a house a few months ago ... our two cars are paid off, we still have credit card debt. I don't like debt and I'd ... for you to be able to become financially fit. Their check up is free plus you get healthy tips on how [more...]

Date: 2008-07-08 18:19:00

Finance Fiesta #7: Mamma Mia Edition

Welcome one and all to the 7th Edition of the Finance Fiesta!  This is the first carnival I have ever hosted, so hope it’s a good one for you ... she knows best.  I give these posts the thumbs up as the best of the week. Mr. Credit Card from Ask Mr Credit Card answers a question from a reader “A Collections Company Sold my Debt After it was paid [more...]

Date: 2008-07-17 13:00:20

Paying Down Debt

At the beginning of the week, my wife and I decided to give up our water softener ... is actually more detrimental than saving is positive. Take your average credit card, where you might ... , especially credit cards, than in saving money for the future, although that needs to be a part of it also [more...]

Date: 2009-01-09 16:41:39

How to Save Money By Reading Your Credi Card’s Fine Print

Today’s post is a guest post from Green Panda Treehouse. How many times have you heard ‘read the fine print’? Sometimes we hear things so many times it becomes white noise. With credit cards, though ... in our wallets, we floated some $937 billion in outstanding credit-card debt as of last November, according [more...]

Date: 2008-12-05 20:07:45

Dicing With Debt

Dicing With Debt Posted in January 15th, 2009 Category:Debt Relief Britons are taking on record levels of mortgage and credit card debt, with figures released last year showing that UK personal debts far out weigh that of our European neighbours. For those in need of help with financial problems then the Citizens Advice Bureau [more...]

Date: 2009-01-15 07:42:47

Taking Steps Towards Financial Freedom

If there was anything that the hubby and I did right in settling our major obligations in 2008 it was debt consolidation ... . We even managed to terminate credit cards, which we are very happy about. We decided that we will keep a couple for each of us. What’s more is if any of the couple of credit card companies [more...]

Date: 2009-01-12 03:46:04

Does God want Joel Osteen to be rich?

One of my least favorite people - now poised to become even wealthier by profiting from those experiencing more hardship: [ ... us? Who will lift us up from crushing credit-card debt and resetting mortgage payments and impending foreclosure ... ordered. Unemployment they know; they don't need to wait for the Bureau of Labor Statistics to publish [more...]

Date: 2008-08-11 21:58:45

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion. It was Aristotle who said, “We are what we repeatedly do … Excellence is therefore not an act ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]

Date: 2009-01-14 13:00:09

Don’t Worry, Be Happy: Surviving the Financial Crisis?

Are you surviving the financial crisis? While the mainstream media seem more interested in spinning stories of foreclosures, ... a credit card balance, or like my wife and I, added a photovoltaic system to power our all-electric CitiCar ... Americans are exiting the debt-based economy, paying off credit cards, canceling car loans, paying [more...]

Date: 2008-11-20 04:12:42

Debt Settlement, Debt Management, Debt Termination - What’s the Right Choice?

When you’re facing a mountain of credit card debt, the stress can be overwhelming at times ... and schemes from the legitimate services? Should you consult with a non-profit credit counselor? One company ... . To simplify matters, let’s look at debt companies in terms of three rough categories: 1. Debt [more...]

Date: 2008-12-16 06:42:45

Financial Statement Basics - Overview

The Only difference between Rich and everyone else is that, Rich know how to read Financial Statements and how to analyze them ... , Reducing expenses, Debt reduction, Credit card debt elimination, Spend less than you earn and every [more...]

Date: 2009-01-13 17:24:00

More Financial Turmoil Ahead: A Stock Market Bear Rally Built on Sand

Bob Chapman TheInternationalForecaster.com Monday, June 8, 2009 A recovery is supposed to be in the works in the midst of increased savings, declining debt balances on credit cards, more bankruptcies, higher unemployment and new wave of foreclosures. Consumer participation in GDP is down from 72% to 70.4%. Bank and other financial firms’ balance sheets are what they say they are and we have a stock market bear rally built on sand just as we had in 1931. [more...]

Date: 2009-06-08 11:12:36

Get Out of Debt Fast With The Ultimate Debt Guide

by Ash Ford The Ultimate Debt Guide is a system that uncovers how you can become debt free without signing up to a long-term debt relief plan or ... into debt and be overwhelmed with credit cards, loans, mortgages, car payments etc. Discovering a way ... . What are you looking for? Is it authoritative information on debt consolidation? debt consolidation [more...]

Date: 2009-01-15 02:49:47

Four. One Million Use Credit Cards for Mortgage or Rent

4.1 Million Use Credit Cards for Mortgage or Rent According to housing and homelessness charity Shelter, about 85% of the UK’s £1 ... Breaking point’ report revealed that ‘4.1 million households (16%) used credit cards to help meet ... , is that they normally come with a lower APR (Annual Percentage Rate) than unsecured debts [more...]

Date: 2009-01-08 08:18:32

Track and Lower Expenses to Save Money

According to the National Bureau of Economic Research, America has been suffering through a recession since December 2007. As people go cold turkey on credit and struggle to put their households on a cash basis ... before all others. (If you have credit card debt, be sure to include minimum payments as regular monthly [more...]

Date: 2008-12-05 16:00:39

99 High Paying Keywords: The Secret Is Out!

Incorporating high paying keywords into your site is critical to maximizing your income. Who has the time to figure it all out? How much are you willing to pay for this type of information? The secret is out: Here are 99 keywords you can use with payouts averaging $2-$100 per click: 1. Structured settlements 2. Mesothelioma 3. Acne 4. Life Insurance 5. Death Insurance 6. Bextra 7. Asbestos 8. Car Insurance 9. Dental Plans 10. Private Jets 11. Debt Consolidation 12. Credit Cards 13. [more...]

Date: 2009-09-26 02:51:40

Fool’s Advice

Everyone’s got advice for using credit cards.   Today, ... to have a true debt ratio of  zero.    If I were to check my credit report, I would find all of my spending ... date.    I never pay interest, but the credit report still sees this balance as “debt”. To express [more...]

Date: 2009-01-06 23:43:58

What are my Credit Rights?

Knowing your credit rights as a credit card holder will be your guide and protection against unlawful practices that may be committed by creditors and debt collectors. The Fair Credit Reporting Act (FCRA) has made distinct stipulations with regards to promoting the accuracy and confidentiality of consumer credit reports. Let’s discuss [more...]

Date: 2008-12-22 06:55:21

Kennedy Refuses To Disclose Finances

Extremely wealthy and of famous pedigree, the Kennedy who wants to replace Hillary Clinton in the U.S ... , publicly available report disclosing her financial assets, credit card debts, mortgages, book deals ... , who has no political experience, wants more special treatment as she tries to slip into the U.S. Senate without even [more...]

Date: 2008-12-23 15:12:47

Financial Forecast for 2009, Considering Resource Limitations

In this post, I consider some major issues contributing to our current financial problems, before making a financial forecast for 2009. These are 1 ... from the bottom: Layer 1. Household Debt (Mortgages, auto loans, credit card debt, student loans [more...]

Date: 2009-01-06 15:10:32

How Awful It Was


Date: 2009-01-16 16:41:37

Real Wealth II

Money. It’s beyond my ken today. A colleague who escaped to Maryland—a delightful man born about 20 years too late for me, ... or our worry over tomorrow’s pending layoff, mourn not the lost annual bonus and the nonexistent raise ... about our credit-card debt or (heaven forfend!) our budget, quit wondering how our nation will clean [more...]

Date: 2008-12-22 23:56:30

Moving Forward: Debt Consolidation

Moving Forward: Debt ConsolidationMany Americans are feeling the pinch of the tumultuous economic times that we now find ourselves embroiled in ... not be allowed to damage your credit report and your ability to obtain a home loan. It is easy ... of homeownership, there are alternatives. Credit card debt that often accumulates during difficult financial [more...]

Date: 2009-01-08 22:38:03

Debt Consolidation

We all know that our economy is not doing well right now ... all the remaining debts that we have. Anyways, if you are struggling with your credit cards debts, I encourage you to ask for help on how to lower your bills and possibly get out from underneath [more...]

Date: 2009-01-15 04:16:11

Reader Mailbag #30

Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance ... report sexual harassment How I manage my ideas Should you help people who won’t help themselves ... the next 6 months, after which I will have eliminated my credit card debt and half of my student [more...]

Date: 2008-09-29 14:00:56


Last Minute Celeb-Inspired Gifting If you're anything like me, you've put off your holiday shopping until the very last moment ... Before you pay down that credit card debt, consider this wiser philanthropic use of your money credit [more...]

Date: 2008-12-24 15:43:53

Collector Threatens Jailtime Over Dead Debt [Debt Collectors]

Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... there ridiculous yearly service fees, and monthly account fees in full each month helped boost my credit enough ... but now RSI Claims Process Services is hassling him about a 12-year-old credit card debt [more...]

Date: 2008-10-24 21:04:06

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