Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]

Date: 2009-01-14 19:07:31

Blog posts (188) | Videos (203)
 

Financial Plan for 2009

This year has been a rocky year for me.  The stock market took a tumble.  I never did find a full time job to replace my income ... more next year without cutting off circulation to my legs. While paying off my credit card debt, I need ... . Ideally, I’d love to eliminate $13,000 of my bad debt in 2009.  It’s possible if I find another [more...]

Date: 2008-12-30 13:00:52

Welcome to the Bad Credit Hotel: Check in for Free!

Mirrors on the ceiling…. pink champagne on ice. We are all just prisoners here, of our own device… ... marketing on college campuses and how student credit card debt has become a serious problem. Recent ... students — and adults as well — to learn to get a grip on excessive credit card spending [more...]

Date: 2008-10-22 14:22:16

Bad Credit Repair

by John Cooper If you have bad credit there is hope ... has likely been sold to a collection agency. Thus the credit card issuer has no reason to save ... intervention, escalated dispute information requests, and debt validation. You can also help your credit [more...]

Date: 2008-12-30 23:30:54

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

Fix Bad Credit

by John Cooper If you have a low credit score contrary to popular belief you do not have to just wait seven years for your credit report to ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account [more...]

Date: 2008-12-24 10:55:40

Credit Repair Help - Here’s How To Start Right Now!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult ... , but it soon will be liberating. When you get rid of your credit cards, be sure to pay off and close ... . It’s hard to repair your credit and it makes life difficult to have bad credit [more...]

Date: 2009-01-05 11:03:01

Consolidating Debt

With the bad market now, a lot of people turn to get help to consolidate debt ... or pay off credit card bills. By the way, various programs are available for consolidating debt ... that is applicable to you. Technorati Tags: Debt,Consolidation,Credit Problem [more...]

Date: 2008-09-18 19:32:03

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 ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking ... stem from our financial habits. Bad financial habits lead to overspending, too much debt, a house [more...]

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

This sounds less bad

I doubt anyone can know how much it might help, but the desperation apparent in this move should be obvious. From Bloomberg: The U.S ... and college education while also reducing the cost of credit-card debt. If we really need ... it improves auto sales much. Maybe people pay off some credit cards and take some classes [more...]

Date: 2008-11-25 05:46:00

Good Idea, Bad Execution

I’m sure everybody has done this at least once. You come up with this great idea to save money and then realize later that it either didn’t save ... Credit Card Debt. Sometimes you get an offer that will allow you to transfer previous balances ... to the letter. You also have to watch your credit card statements like a hawk to make sure that everything [more...]

Date: 2008-06-16 14:33:08

Medical debt adding to credit crisis and economic problems

For me this is one of the most disgraceful aspects of the Republican control in America ... led them to amass a pile of credit card debt and forced them to refinance the mortgage on their house ... where someone either went into debt or feared going into debt so opted for no health care or a bad [more...]

Date: 2008-10-30 05:57:01

Is It A Good Or Bad Thing That So Many Companies Are Going Out Of Business?

What exactly will 2009 bring us in terms of businesses closing down for good? ... $2.56 trillion in consumer debt, with the average household’s credit card debt amounting to $8,565 ... filing for bankruptcy or are already in it, so we won’t know if some of them make [more...]

Date: 2009-01-06 14:00:00

New Congress Looks To Add Mortgage Debt To Bankruptcies - BIG MISTAKE

Congress So we have finally flushed most of the bad debt out of our system in 2008 ... modify other unsettled obligations, such as credit card debt. While the housing market downswing ... problem on the horizon is that Congress is back in session today. Instead of looking at 2009 [more...]

Date: 2009-01-06 14:51:56

Why Bad Credit Report Repair and help you.

by Mary Bush Many people suffer with bad credit. Maybe you lost your job and suffered trouble finding a new one or maybe you came ill and couldn’t ... from local debt management companies also as online and from the IRS or anyone who supplies some type ... a home, purchasing a car, getting credit at varies stores or credit card companies and it can still [more...]

Date: 2009-01-07 21:27:10

No, honest, Bill Clinton swears he's really for Obama -- and a female president someday

After weeks of diddling and dawdling doing the statesman-like work expected of ex-presidents combating hunger, disease and other bad things, ... , including rising credit card debt and home foreclosures, the former president said: "Look [more...]

Date: 2008-10-02 14:43:57

8 Bad Things You’re Teaching Your Kids About Money

This is a guest post from Jonathan, one of the writers at Master Your Card ... readers to get out (and stay out) of credit card debt. If you’re a parent then you probably ... something. Once they understand this they might actually start turning the lights off when they leave [more...]

Date: 2008-11-28 16:34:36

A perfect storm: the UK’s next banking crisis

The UK has recently undergone a banking crisis, the reasons for which have been much analysed, ... are predominantly made up of credit card debt against households which are breaking all records for indebtedness ... potential in profitable times    All of this means banks are facing wave upon wave of bad debt [more...]

Date: 2009-01-06 12:31:36

Goldman Sachs Predicts Loan Losses Will Top $2 Trillion

Despite all the hoopla about stimulus plans and bailouts rescuing Americans’ home equity and retirement accounts, ... — the losses that investors and financial institutions are potentially sitting on from bad loans… ... of $780 billion. Add in losses from commercial real estate, credit cards, auto debt and business [more...]

Date: 2009-01-15 23:05:05

Rebuild your nest egg - 17 moves to secure your future now

Consumer Reports - January 2009 When bad investments happen to good people, there's only one thing to do short of weeping: Turn to Plan B ... and household goods. About 20 percent have paid off most or all of their credit-card debt ... and making choices we'd hoped to avoid. We might have to work harder to slash debt, cut spending [more...]

Date: 2009-01-13 22:42:30

Bailout Gets More Costly Due to “Bipartisan” Deal; Foolish Limits on Foreclosure Should Be Removed

Liberal Congressional leaders have apparently reached a deal with the Bush Administration on the principal elements of a $700 billion bailout of the ... student loans, car loans, credit card debt and any other ‘troubled’ assets held by banks.” ... have stuck taxpayers with 100 percent of all losses on any bad loan or mortgage, but not the profits [more...]

Date: 2008-09-28 20:34:55

What If You Can’t Pay All Your High Priority Debts

by Ian Pelham Although individual priorities may vary, ... the lines of, “If I can’t pay my car finance, at least I can pay my credit cards.” This is a bad ... be more inclined to foreclose. There are many strategies for dealing with debt problems discussed [more...]

Date: 2008-12-22 18:58:27

This Could Be The Day

This could be the day that you… decide to get out of debt start to live on a budget stop arguing with your spouse start talking to you spouse teach your kids about money send five extra dollars to the credit card company get rid of bad spending habits embrace bold, significant change choose to believe that you are worth it choose [more...]

Date: 2009-01-06 12:15:05

Show me the money

A good friend and entrepreneur was chatting with me on her phone, while in the post office checking her mail ... . She also includes information on how to make a payment online with a credit card. On the due date ... . A recent study found that businesses wrote off $152.5 billion in bad debt in 2007, based on IRS [more...]

Date: 2008-07-15 13:24:04

Do it yourself Credit Repair

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. Round up all credit reports, bill payment and credit card records, loan and mortgage records [more...]

Date: 2009-01-08 16:17:07

Do it yourself Credit Repair

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. Round up all credit reports, bill payment and credit card records, loan and mortgage records [more...]

Date: 2009-01-14 23:18:56

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

2008 Debt

Our homeowners insurance company decided to cover all our expenses for the new A/C unit at our house ... that I hope to get this weekend, best news of all NO CREDIT CARDS! All paid with CASH! Click ... I have some bad news to report, the balance on the CITI Premier Pass card is up this month. The current [more...]

Date: 2008-12-31 06:27:58

Obligatory Look Ahead at 2009

Now that I’m high on accomplishment, time to voice my intentions for 2009. Money ... that last credit card. Fully fund my Roth IRA for 2008. Determine how and where it’s prudent to combine ... I spend and where it goes. I hope and expect that this year will be the year that I go from bad-debt [more...]

Date: 2009-01-05 01:05:56

CR Retirement Survey: Planning ahead may be just as risky as rewarding

The Press - January 12, 2009 In the wake of big investment losses, ... on entertainment. About one-third have cut their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt [more...]

Date: 2009-01-13 22:42:30

Avoid Payday Loan

If you spend more than you earn on a regular basis, it is a bad practice ... to borrow a loan, so you can save 15-30 USD by not paying the loan interest! • Use your credit card ... companies often make use of your needs and leads you into the debt trap. The most obvious drawback [more...]

Date: 2008-12-04 12:36:55

Understanding Second Chance Banking

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-29 10:39:14

Debt Buyer Beware

If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN! With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt consolidation band wagon… unfortunately this could mean big trouble for you! Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt setllement program over 24-30 months. [more...]

Date: 2009-09-29 15:22:37

Plug Your Money Leaks and Save Hundreds of Dollars Painlessly

Does it always seem that your money never goes as far as it should? One of the main culprits are the slow money leaks that we all have. These are generally recurring monthly expenses for a subscription or service that by itself appears quite small, but when you factor in dozens of these potential leaks it can drain hundreds of dollars from your budget each month. You know what I’m talking about. Cable bills, gym memberships, magazine subscriptions, or even regular dues to an organization. [more...]

Date: 2009-09-28 23:14:26

How to Research Debt Collectors & Understand the Law

This is the first guest post in a special How to Fight Debt Collectors series on Bargaineering.com. So you’ve received a debt collection call or letter… In this day and age where you have rampant foreclosures, layoffs and job losses, it is simply inevitable that an individual may come across a debt collector, and frankly even without these external factors, it may just happen by a chance wrong number or even being related to someone going through a hard time financially. [more...]

Date: 2009-09-28 11:02:18

Never Show up to a Gunfight with a Knife

Why do so many people struggle with money? Why is it so difficult to get ahead in a time of such prosperity? Why do the rich keep getting richer while the poor and middle class seem to continually struggle? I’ll tell you the answer: Most people follow bad advice and mimic strategies of the financially unsuccessful rather than imitating those who are already wealthy. You see, every day you make money choices that affect all areas of your life. [more...]

Date: 2009-09-28 20:03:13

The 7 new rules of financial security

In a world turned upside down, you must re-examine some basic assumptions. A good place to start: understanding the true nature of risk.John Maynard Keynes, the Depression-era economist who’s having quite the comeback, once quipped when he was accused of inconsistency: “When the facts change, I change my mind. What do you do, sir?”Money has long advocated the benefits of consistency in your investing and financial planning. [more...]

Date: 2009-09-29 10:57:27

Like itâ Tell?? Sat Loan Modification scam before it costs you your home

The combination of a complex service, desperation of those who leave the service and a new, wide-open market with little regulation, the possibility for fraudsters to have the advantage of a situation that can bring a quick score with them. The biggest problem for the victims of fraud in the loan modification generally isnâ? T the money, itâ? S the effect of time and missed payments to foreclosure. In terms of sheer numbers, the frequency of the loan modification is limited to relatively low. [more...]

Date: 2009-09-28 10:57:42

College Students And Credit Card Debt

According to an adviser at a major university, more students drop out of college due to average college student credit card debt than to academic failure. The best way to prevent this is to adopt a spending plan early in your first semester, and stick to it. One thing that you know when you’re a student, that you were most of the time. Unless you have really rich parents or have a trust fund with your name, you know, as a student you should not go much for it in the finance department. [more...]

Date: 2009-09-29 10:12:54

How to Be Aware of What Credit Counselors and Consolidators are Really Offering

This is a guest post from Matt B . Matt writes about all aspects of personal finance at Financial Methods . Please visit the site and let him know what you think. If you are at a point in your life where you have realized that the debt you lug around behind you weighs you down too much, good for you. If you are stuck at the beginning of the battle and not sure where to go next, just know that there are plenty of options. [more...]

Date: 2009-09-28 11:01:51

Learn More About Selling Foreclosed Homes To Generate Income Today

Have you ever wondered how to make money selling foreclosures . It’s easier than you think. We have compiled hundreds of useful tip and tricks that could make you rich. Enjoy instant access and a 7 day trial. Stop breaking your back working way to hard for your monthly income. Start breaking the bank and sell foreclosed properties. There is now a NEW way to make money in foreclosures, which is totally different. First, you do NOT need any money to get started. [more...]

Date: 2009-09-29 21:36:07

Get More Info About IVA in this Blog Publication

As any other type of a settlement system, the debt management systems may turn out to have good or bad results. The first aspect consists in paying back the debts, however it is not the only one. It involves more than simple repaying the credit card debt, and it does not finish after paying off the mortgage debt or the car loan. It is aimed also on helping you to build a good system of money management as well as to follow this management system in everyday life. [more...]

Date: 2009-09-29 21:50:23

Where has the Bailout Money Gone? Good Billions After Bad

Where has the Bailout Money Gone? Good Billions After Bad Vanity Fair by Donald L. Barlett and James B. Steele As the Bush administration waned, the Treasury shoveled more than a quarter of a trillion dollars in tarp funds into the financial system—without restrictions, accountability, or even common sense. The authors reveal how much of it ended up in the wrong hands, doing the opposite of what was needed. Just inside the entrance to the U.S. [more...]

Date: 2009-09-28 06:17:36

Debt-Laden Brits Sell Kidneys Over The Internet

And we thought we had it bad. Cash-strapped Brittons are now selling their kidneys to pay for their mortgages and other debts The donors are charging up to £60,000, an investigation found, according to The Daily Mail , and face up to three year in prison. One is taxi driver who is selling his kidneys over the internet and wants £25,000 to pay credit card bills and get a new kitchen. Another is a 26-year-old with £20,000 in debt when a business collapsed. “At the moment my situation is dire. [more...]

Date: 2009-09-29 12:45:51

Are Bad Credit Debt Consolidation Loans Difficult To Obtain?

Amazon.de Widgets Bad credit Debt Consolidation Loans are they still available? This article looks at whether or not the consolidation loan for people with bad credit is still available.Don’t take my word for it, but bad credit consolidation loans are rare…very rare, but the situation is improving slowly.It never used to be the case, but the decline of the economy over the past two years, due to the global fall out from the sub prime mortgage fiasco, has meant that lenders are reluctant to lend [more...]

Date: 2009-09-28 11:56:59

Things To Remember In Choosing A Credit Card

by Eric Jilson If you have a low credit rating, you will most likely not be offered an unsecured low interest credit card. This requires faith on the part of the credit card company that you will repay your debts on time. People with good credit are able to get these cards because their credit history shows that they have been capable of paying on time in the past. If you have good credit and plan to continue making timely payments, then you will probably qualify for these low-interest credit cards. [more...]

Date: 2009-09-28 09:44:37

Need Info About Credit Cards – Check Out this Post

Numerous people fail to get approved when applying for a credit card these days. It is often a very depressing experience, especially if it is not the first refusal letter you get and if you really need that credit card. The most common reaction to this is losing hope for getting a credit card once and for all. Not the best thing to do, is it? Let’s find out what you really can do to get out of this unpleasant situation. First thing you have to do is realise that it is never over. [more...]

Date: 2009-09-29 02:37:09

Need a Payday Loan? Important Tips are Here!

Do you looking for a same day payday loan? The financial help through a no fax payday loan will be a best option for you. Getting a loan on the same day of application is not that complicated because of the increase in payday loans available today. This will help you to manage your unexpected expenses without any delay. You don’t have to waste your time on faxing documents and proofs. If you are not getting approved by one lender, don’t be panic. You can try with other lenders. [more...]

Date: 2009-09-29 18:16:13

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Preparing for the coming year

I was shocked to see a Labor Party politician on the TV news yesterday say that now we've had our retail therapy over Christmas (his words, not mine) we should all go off and book a holiday. I won't be taking his advice, I, instead, thought of how sad it is when people bend and compromise their values for the sake of power. Despite [more...]

Date: 2008-12-30 18:57:00

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