Ways to Avoid Getting into Debt Trouble

Although lots of books and articles have been written to help people once they are deeply in debt, much less is written about ways to avoid getting into debt trouble in the first place. By the time most people realize that they have a debt problem, their credit may already be seriously damaged, and getting […]

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credit report

Why You Should Monitor Your Credit Report on a Regular Basis

Are you monitoring your credit on a regular basis? If not, then you should be. There are two main reasons why it is so important that you do so. First of all, regular monitoring is advisable in order to ensure the accuracy of your credit report. The information contained in your report can directly affect […]

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How to Keep Your Personal Information Safe

Keeping our important personal and financial documents safe is crucial because we need them in managing our finances, applying for credit, buying and selling property, traveling internationally, supporting insurance claims, and for numerous other purposes. While most people understand the necessity of keeping these types of documents safe, the reality is that relatively few ever […]

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Improving Your Credit Score: Common Myths and Misconceptions

Because credit scores have become such an integral part of our financial lives, it is important to understand what they’re all about. Unfortunately, though, one survey has revealed that many Americans don’t really understand credit scores or how they work.This article will address some of the most common myths and misconceptions about how to improve […]

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how fast

How Fast Can I Fix My Credit?

We live in an instant gratification society. People want what they want, and they want it now. Instead of waiting until they have the cash to pay for things that they want, many people will buy them now on credit. All too often, it isn’t long before these people find themselves deeply in debt and […]

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Common Warning Signs of Impending Debt Trouble

Sometimes debt issues can materialize very suddenly, such as with the unexpected loss of a job, but in most cases debt problems do not arise overnight. Usually they grow over a period of months and years. People who are dealing with a serious debt problem are nearly always very aware of it. In contrast, it […]

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fix credit myself

Should I Try to Fix My Credit Myself?

In today’s tough economic times, with the epidemic of job losses, foreclosures, credit card defaults, and bankruptcies, a growing number of people are finding that their credit is in need of improvement. Unfortunately, many of these people don’t feel that they can afford to get professional credit repair help, and they have no idea how […]

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credit card law

Criticisms of the Credit CARD Act of 2009

There appears to be widespread agreement that the Credit CARD Act of 2009 provides some important benefits to American consumers. However, it needs to be noted that not everyone is happy with this legislation, for a number of different reasons. In this article, I will briefly present some of the early criticisms of this new […]

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fix credit

Do I Need to Fix My Credit?

How do you know whether or not you need credit repair? Well, if your applications for loans and credit cards are being turned down repeatedly, then obviously your credit needs fixing. For many people, though, the need for repairing their credit is much less obvious. Credit scores range between 300 and 850, with the national […]

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How the Credit CARD Act of 2009 Saves You Money

The Credit CARD Act of 2009 has been pretty well received by many consumer advocates because, despite its weaknesses, it establishes a number of new regulations that help protect consumers from some of the unsavory practices of the credit card industry. There are a number of different ways in which the protections provided by this […]

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