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Credit Card Debt Laws That You Need to Know
With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit...
Paying Off Debt With Debt Consolidation
Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means....


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Credit Issues

Bad Credit Advice
This page answers a series of frequently asked questions relating to bad credit and bad debt issues.

Poor Credit Score & Rating
Have poor credit and looking to consolidate your credit cards? Watch out! This article gives a set of warnings in terms of what to look for in order to protect yourself from predatory lenders.

High Balances
This page has information about what banks look for from a mortgage applicant and how high credit card balances & payments can affect your eligibility for a loan.

Charge Offs & Your Credit
This article gives in depth information about the mysterious credit card “charge off” and its effect on your credit.

Credit Effects Of Bankruptcy, Cards, Consolidation, Settlement & Counseling
This article mentions how debt consolidation, credit counseling, debt settlement, and all of your credit card debt solutions affect your credit report and score.

Going Over Your Credit Card Limit
This article discusses ways to avoid going over the limit on your credit limit and saving money on penalties and other fees on credit cards.

Credit Rating After Bankruptcy
This page gives useful information about the ways and length of time that filing bankruptcy can effect your credit rating.

Your Credit Report After Bankruptcy, Debt Management & Negotiation
Despite popular conception, your credit report and credit score are two different reflections of your creditworthiness. This article discusses the consequences of debt management plans, debt negotiation, bankruptcy, and debt consolidation on your credit report.

Write Off Accounts
This article discusses what a bad debt write off is, how it effects your credit, and why credit card companies do this.

Credit Score & Debt Consolidation, Settlement & Filing Bankruptcy
This page discuss what makes up your credit score, and in relation to this, what you can expect in terms of the credit rating impact of using different types of third-party debt help services.

Credit Score After Debt Settlement
This page is a detailed account of what sort of credit implications one should anticipate from enrolling in a debt reduction program.

Credit Rating After Consumer Credit Counseling
This article provides detailed information about how lenders look at your credit report, as well as how Fair Isaac and Corporation (FICO) uses (or doesn’t) your enrollment in a Consumer Credit Counseling Service in your credit score.

 

Featured Articles

Things That Have a Negative Impact on Your Credit Score
Credit is a useful tool and when handled responsibly allows us to obtain credit cards, loans for homes, cars and other big ticket items. The better we handle our credit, the better the terms that are offered to us from lenders including higher credit lines and lower interest rates. If, however, a...
Easy Steps To Get Out Of Debt
The dismal economy is having an adverse effect on people around the globe with millions facing tremendous amounts of debt. For many, escaping their debt seems like a far off dream but it doesn't have to be! By applying a few simple guidelines to your spending habits, you can begin to reduce credit card...