Consumer Debt

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Credit Suicide
Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups". There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a source to determine levels of risk for lending money… and the Fair Isaac Company is where it lies.

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?
Every time a lender checks your credit history from your credit file (i.e. each time you apply for a loan), your credit-file will have a record of this. These records are known as search entries. Too many search entries could well be a major factor in being declined for new credit. Here are some tips to ensure this does not happen to you.

Free Credit Reports - How to Maintain Your Credit Profile
Every consumer should be maintaining their credit profiles to ensure the highest scores possible and prevent cases of identity theft. Don't be a victim!

Figuring Out the Ever Nebulous Numbers Called Credit Scores
Ever wonder why your credit score went up or down drastically in the matter of a few days? Find out what items effect your credit and how to manage your credit effectively.

Different Ways to Borrow Money
There are many different ways to borrow money.

Dont Trade Your Future for Todays DooDads
"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and We Can Finance It for You," & "Spend Today, 0% APR until Next Year!" We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do.

How Does a Creditor Determine Whether to Grant You Credit?
Tired of being denied credit? It's time to take control of your finances for good!

Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan, you've probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you.

Your Credit Card May Be Costing More Than You Think!
Do you know what your credit card is truly costing you? Many people assume that they do, but aren't familiar with the hidden fees that many credit card companies are charging. In fact, if you don't keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year—without ever really knowing it!

Rate Tarts Losing Ability to Cherry Pick
Credit card introductory period offers due to be phased out following massive losses by providers.

How To Repair Your Credit Report
A bad credit report can ruin your chances to buy a car or a home, but your credit can be repaired...

How To Get a Low Interest Credit Card
Credit card interest rates can increase payments dramatically, and switching to a lower-interest credit card can be a sound financial choice.

Winning The Credit Game!
Credit is like any tool. Use it correctly and it will make your life easier. Abuse it and it can make your life hard. Use credit with the respect it deserves and reap the rewards!

Top 7 Factors to Consider While Reviewing Credit Card Offers
This article presents the top 7 factors that should be considered while reviewing or applying for credit cards.

Check Your Credit Before Shopping For That Home Loan
Too many consumers get frustrated when a ding on their credit score delays the process of closing on a mortgage or completing a home equity loan. Before you start shopping for financing, understand these four important tips.

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