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Financial Readiness: How Prepared Are You? Here are some tips to make sure that you are prepared financially. What Is Utility Credit? Will you be left in the dark if you can't get utility credit? Do You Need Credit or Insurance? Your credit score helps determine what you’ll pay for credit or insurance. What Are Prescreened Offers of Credit and Insurance? You may call it junk mail or it may be the answer to your financial woes. Some Credit Information You May Not Know Here is some credit information that you may not have heard of before. Getting Credit When You’re Over 62 Credit is an important money management tool for both young and older consumers. Yet the elderly, particularly older women may find it difficult to get credit. What Does Equal Credit Opportunity Mean? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Keeping Close Tabs on Your Account You need to know that banks are not infallible; they can and do make mistakes. What Are Your Legal Rights When It Comes To Online Banking Many people use online banks for their ease of use but what are your legal rights? What Is Electronic Banking? For many consumers, electronic banking means 24-hour access to cash through an automated teller machine (ATM) or Direct Deposit of paychecks into checking or savings accounts. But electronic banking now involves many different types of transactions. What Is Credit and Debit Card Blocking? What is credit or debit card blocking and how does it affect you? What Kind Of Credit Card Should You Get? There are many choices in credit card land. How do you make an educated decision? Always Protect Your Credit Cards You are the first line of defense for your credit cards. These are the things you can do to minimize your risk. Receiving Your First Credit Card You applied for and received your first credit card – now what? Questions to Ask When Choosing a Debt Management Counselor Have you reached a point in your life where you need a Debt Management Program (DMP)? Ways To Save Money (Part 7) With the price of oil and gas going higher and higher, credit card debt, and the sub-prime mess, we are all looking for ways to save a few dollars. Ways To Save Money (Part 6) With the price of oil and gas going through the roof, debt restructuring, and sub-prime confusion, we are all looking for ways to save a few dollars. Before You File for Personal Bankruptcy Get Educated Information about credit counseling and debtor education Solving Your Credit Problems Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. What Is The Credit Repair Organizations Act? You need to know what the rules and regulations regarding credit are so that you get a fair shake. Information On Credit Repair Scams With many people on the verge of bankruptcy, you need to be careful about credit repair scams. What Are Advance Fee Loan Scams? If you have poor or no credit, you may be a target of advance fee loan scam artists. Is Bankruptcy The Answer To Your Woes? Bankruptcy is usually the last resort choice when you get into debt. What You Need To Know About Auto And Home Loans Getting the best interest on a car or home loan is all up to you. Accurate Negative Information And Controlling Your Debt Checking your credit report for inaccurate information is essential. Your credit score depends on it. Questions and Answers on Home Foreclosure and Debt Cancellation The Mortgage Forgiveness Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Basic Financial Information Tips (Part II) Here are some additional financial tips, definitions, and information that will hopefully help you save money or get out of debt. Basic Financial Information Tips (Part I) Here are some financial tips, definitions, and information that will hopefully help you save money or get out of debt. If You Really Must Borrow Before you borrow, compare! Find the best deal available to you. How To Stay Out Of Debt Once you have completed that uphill struggle to get out of debt, you need to stay out of debt forever. How To Get Out Of Debt More Quickly It won't happen over night, but you can get out of debt and do it a little faster if you follow these steps. Debt Money and Happiness Money doesn’t create happiness, but the lack of money, or excessive debt, can destroy it Credit Card Debt And Security Risks An individual who is financially overextended is at risk of engaging in illegal acts to generate funds. Get On The Road to Financial Recovery (Part II) Learn how others can help you help yourself on the road back to financial recovery. Get On The Road to Financial Recovery (Part I) If you have gotten yourself into debt, don’t despair. You can help yourself get your life and your good credit reputation back. Financial Fitness Checklist Take the financial fitness checklist and see where you stand with your finances. Collection Agencies And Your Rights What are the rules and regulations governing collection agencies? Dealing With Debt Credit card debt can be an extreme burden but you can dig yourself out of debt. Credit Card Words to the Wise If you are considering getting a credit card, here are some words to the wise to keep you out of trouble. Credit Reporting And Your Bottom Line How do credit reports affect your bottom line and what can you do to improve your credit score? How To Prevent Credit Card Fraud Thieves are always looking for ways to access your credit card. Here are some tips to protect your credit card. Improving Your Credit Report and Score Do you really know how important your credit report really is? Are You Monitoring Your Credit? If you are not monitoring your credit and your credit reports, you may be in for a big surprise. Making Sure Your Credit Report Is Correct Incorrect information on your credit report can cost you dearly. Do You Have Healthy Credit? Have you ever wondered about credit reports, credit scores and how to protect your personal information? Debt Collection And The Law \| Know Your Rights Are creditors hassling you at all hours of the day and night? Is this legal? Do You have Negative Credit Information in Your Credit Report? Your credit report may contain incorrect or negative information about you. Check yours today for free and get it corrected. What Are Debt Negotiation Programs? Have you reached a point in your financial woes where you want to contact your credit card company and try to negotiate a payoff? What Are Debt Management Plans? If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in a debt management plan (DMP). Measuring Your Fiscal Fitness Do you need help managing your debt? Here are some tips on choosing a credit counselor. How To Avoid Credit-Related Scams With foreclosures at record highs, and credit card defaults soaring, be aware of scam artists and their claims of quick fixes. How Do I Get A Home Equity Credit Line Of Credit? Sometimes it makes sense to use the equity in your property and borrow money against the value of your house. Avoid Predatory Lenders and Get a Good Home Loan How to avoid predatory lenders and get a good home loan. How To Establish Credit Your first credit card or loan is the hardest to get. If you’ve never had credit, you have no credit history. How To Improve Your Credit Record Legally Don’t be a victim of quick credit repair scams. Do your homework first. What Is Credit Denial And What Can You Do About It? If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days. Review Your Credit Report And Correct Errors You can get a free credit report every 12 months and should check it religiously for errors. Credit Card Disputes And Billing Errors State and federal laws give you the right to dispute credit card billing errors and have them corrected. This article explains how to handle billing disputes with your credit card company. Credit Cards And Scams The bad guys are always coming up with new ways to part you from your hard earned money. Credit Repair Scam Tips Things to think about before you hire a credit counseling/repair company: Credit Repair Companies Provide No Cure for Your Credit Ails Can credit repair companies really fix your credit seemingly overnight? 5 Tips For Improving Your Credit Score Is your credit score in the low 600's? Do you know what your credit score really is? Do You Know How To Spot Credit Repair Scams? If you have poor credit, don't be conned into quick fixes. Why Did I Borrow From My Pension Plan? Conventional wisdom says to never borrow from your 401(K) or other pension plan. Do We Really Live In An Electronic Age? Transferring funds from one pension plan to another is hardly electronic. There Is No Quick Fix For Improving Your Credit Report It takes time to repair you credit – it can't be done overnight. What To Do About Negative Information In Your Credit Report Do you know what the laws are regarding negative information in your credit report? Anyone Can Qualify For A Major Credit Card Is it really true that anyone can qualify for a major credit card? What To Do If You Have Credit Problems Here are some basic steps to take if you have credit problems. What Can A Debt Collector Legally Do? Can the collection agency call you at all hours and at your place of business? You need to know the law. Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? How to Spot Credit Repair Scams And Correct Your Credit History Yourself With the sub-prime meltdown, the credit repair scam artists will be out in full force. Should You File For Bankruptcy? Bankruptcy should be a last resort solution to debt problems. Is Debt Consolidation The Answer To Your Debt Problem? If you are deep in debt you need to do something to get out. Consolidating your debt is one way to fix your problem. Are You Having A Hard Time Dealing With Debt? What options do you have when you are trying to erase your debt? Nothing But The Real Truth About Credit Repair Don’t believe everything you see in the papers or hear on TV about credit repair. Credit Report Questions and Answers What is a credit report (also known as a credit file or profile)? Do You Really Know How to Improve Your Credit? Repairing your credit is not a quick fix. It takes time, planning, and budgeting. Questionable Credit Repair Offers Are you trying to get your credit repaired? You should read this. How To Spot Credit Repair Scams Spotting credit-repair scams is getting harder every day. What Are Debt Negotiation Programs? Are you drowning in debt? A debt negotiation program may be the answer. How Does A Debt Management Program Work? If you up to your eyeballs in debt, a Debt Management Plan (DMP) may be your answer. Some Questions You Should Ask Your Debt Management Counselor Here are some questions to ask to help you find the best debt management counselor for you. Fiscal Fitness For 2008: Choosing a Credit Counselor Choosing a credit counselor may be the most important decision you make. What Is Debtor Education? Bankruptcy Post-Filing Debtor Education Think Before You File For Personal Bankruptcy Information about credit counseling and personal bankruptcy Don’t Despair With Credit Repair Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. How To Dispute Mistakes On Your Credit Report Credit card reporting companies can and do make mistakes on your credit report. Self Help May Be Best When It Comes To Credit Repair Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? How Senior Citizens Can Simplify and Organize Their Finances Everyone can use some help getting their financial affairs in order, but especially senior citizens who may face special challenges and decisions involving money management later in life What Do You Need To Know to Apply for a Credit Card? All credit cards are not the same. You need to find one that matches you and your spending habits. American Express Blue Or Green Credit Cards Green or Blue? Which American Express card is right for you? Credit Card Rates And APR's Do you know how much you are really paying in credit card interest? Do You Qualify For a College Student Credit Card? Credit card companies are looking for loyal customers and have started marketing to high school and college students. How Do You Establish A Credit History? Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? Fair Debt Collection Practices Act And You If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." Ever Have A Problem With Your Credit Card Company? What do you do if your credit card bill is incorrect? How To Use The Fair Credit Billing Act (FCBA) To Your Advantage Have you ever been billed for merchandise you returned or never received?

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