Credit card debt

Debt Settlement, Financial Friend or Foe

For years many financial experts have been warning against using “debt settlement” strategies to battle high credit card debts. According to a June 2014 report from the Center for Responsible Lending, despite changes in federal and state laws, the warnings will continue.

Posted on Jul 21, 2014

Another Data Breach This Time a Hotel, How to Protect Yourself

When you check into a hotel or rent a car you are required to present a credit card as security. This reality is troubling in light of the news that a single hotel in Houston reported it had been the victim of a data breach that potentially affected about 10,000 customers.

Posted on Jul 16, 2014

Shopping Early Can Save You Big on Back to School Costs

If you have kids there is a good chance they’ve left school and have the next couple months free of backpacks, text books and gym shorts. Assuming they are going back to school toward the end of summer, you might consider planning for and buying some of the clothes they will need when school welcomes them back, now.

Posted on Jul 09, 2014

You Received the Offer, Now Should You Open the Account?

The news that lenders are sending offers to riskier borrowers should remind you of one truth we all should have learned from the financial crisis five years ago; just because you can borrow money doesn’t mean you should.

Posted on Jul 07, 2014

NFCC Challenges Americans to Declare Financial Independence This Fourth of July

What can you do to free yourself from debt this 4th of July holiday? Get the tools and the help you need to free yourself from debt.

Posted on Jul 01, 2014

Credit Cards, What Will it Take to Make You Stick with Your Company

0% interest for a year, earn cash back, free airline miles, we receive tempting offers from credit card companies everyday. How do we know whether to risk our credit history or stay with what we know? Here are a few things to consider.

Posted on Jun 30, 2014

Credit Report Obstacles, Why We Have to Fight

Improving your credit score is one benefit to undergoing a financial makeover, but for many people it may not be the primary reason. This becomes especially obvious when you learn that you, the consumer, are not a credit reporting agency’s prime customer.

Posted on Jun 23, 2014

Good Driving Record, but High Insurance? It May be Your Credit

You don’t have to be a math genius to know that every time you pay off a credit card debt you have more money available to spend. But there is also a chance that paying off that debt will also help the price of a one major, necessary bill, go down as well.

Posted on Jun 20, 2014

One Small Step for You, One Giant Step for Your Money

No matter where you are in your path to fixing or improving your financial situation, there is always more you can do and it doesn’t have to be a lot. The journey to financial stability starts with one small step. And once you’ve made that one small step, then you’re ready to make another.

Posted on Jun 18, 2014

Debt Relief, How to Tell the Good Guys from the Bad Guys

Recent news that a payment processing company agreed to pay more than $1 million to settle a Federal Trade Commission (FTC) complaint is a reminder to all of us to be careful when considering companies or organizations that say they will help you reduce your debt. There are legitimate organizations that will help you, but it can be difficult to tell the difference between a legitimate service and a scam without gathering some information up front.

Posted on Jun 13, 2014

 
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