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auto-loans-1360x860

It’s time to shop for an automobile. You have some decisions to make: do you want a used vehicle or a brand new one? What model and options do you want? Will you go to a car dealer or do a private sale? How will you pay for the car: use cash or get an auto loan? Here’s some...

Debt Consolidation vs Debt Negotiation vs Credit Counseling

Falling into debt almost seems to be an American pastime these days. Getting out of debt is a bit trickier. Fortunately, consumers have several options to choose from, including debt consolidation loans, debt negotiation, and credit counseling. Debt consolidation loans are available...

home-loans-information-18

Acquiring a mortgage, vehicle loan, payday loan, or personal loan is a relatively easy process. The following consumer guide provides tips on how to apply, what you need to provide in order to apply, and even some tips for getting the best deals. A new loan equates to a new monthly...

Once you are threatened with foreclosure, it is easy to go into shock mode and believe that there’s nothing you can do. However, this isn’t necessarily so. If you take advantage of the time you have left between your notice of foreclosure and it actually happening, you...

Way-To-Avoid-Foreclosure

If a foreclosure is staring you in the face, several strategies exist that might help you prevent a foreclosure. The options that work the best for the homeowner are forbearance, loan modification, and refinancing. Each of these has positive results for the homeowner, including...

home-equity-loan

Home equity loans, quite popular as financial tools for acquiring additional sums of ready cash, are used for a variety of purposes, including but not limited to home renovations and repairs, college expenses, debt consolidation, expensive vacations, investment purposes, and unexpected...

FCRA The Fair Credit Reporting Act (FCRA) is the federal law enforced by Federal Trade Commission to promote accuracy and fairness, and to ensure the privacy of information used in your credit reports. It regulates the functioning of credit bureaus and has been in effect since 1971....

Credit Card Tips By Age Group

Money might make the world go around, but credit cards are the vehicle by which most money travels. Most adults have credit cards these days and they probably have more than one. In fact, lots of teenagers have credit cards too. However, too often, people don’t follow sensible...

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Personal credit reports can either make or break a person as far as acquiring new credit cards, mortgages, installment loans, business loans, and home equity loans. If you have a good credit score and a stellar credit history, then you have nothing to worry about. You can sit back...

I-dispute-this-debt-graphic

Yes, there are plenty of ads for lawyers and debt consolidation agencies who promise to stop the debt collectors from ruining your life. But they all just do one thing, which you can do for yourself: write a letter saying you no longer wish to be contacted. Of course, you’ll...