Personal Finance

What Do You Know About Credit Scores?

March 10, 2011

While it seems that the majority of American’s are familiar enough with credit scores to realize how important they can be for their financial lives many still have confusion about the different aspects of credit scores. From a new article on CreditCardGuide the information obtained from a recent survey jointly released survey by the Consumer [...]

Read the full article →

Consumer Protection Week

March 7, 2011

In case you haven’t been thinking about such things as ‘Caveat Emptor”, buyer beware or looking after your rights as a consumer, you are invited to do so this week as it is “Consumer Protection Week”. Consumers across the country are being advised to know and take full advantage of their rights as consumers and [...]

Read the full article →

Demystifying Credit Myths

March 4, 2011

Your job and your income have absolutely no effect on your credit score. In fact, you could have an almost perfect credit score with no job, no income or reliable source of income provided you were able to always make your payments on time (yeah, you might have to be independently wealthy or something to [...]

Read the full article →

CARD Act Deemed A Success

February 25, 2011

It’s been a full year since the complete implementation of the CARD act and so far it looks as if it has been a success. Even though the past year has brought on tighter credit availability and a rise in interest rates these have been attributed to economic downturns and not the CARD act. The [...]

Read the full article →

Credit Repair Dallas TX

February 23, 2011

Rumor has it that everything is bigger in Texas. Bigger hats, bigger events, just bigger. But is it really bigger? Probably on a lot of things. But if you have bad credit it doesn’t matter where you live. You have a big problem. Credit problems can affect the people in the smallest towns in nowhereville [...]

Read the full article →

The Most Important Financial Numbers

February 15, 2011

There are some pretty vocal financial voices out there saying that your credit score is the most important number of your financial life. (Suze Orman for one). And depending upon your own circumstances it may be. If you are unable to purchase a car unless you finance it, it may be important for you to [...]

Read the full article →

Define Your Money Problems

February 14, 2011

Dr Phil, of TV and Oprah fame of course, has allegedly said that “You can’t solve money problems by throwing money at them”. Okay. Well, I have to disagree. Doesn’t it have to do with the type of money problem you have? If you have a credit card, debt, shopping problem that is a money [...]

Read the full article →

Insanity and Interest

February 9, 2011

So you have bad credit? How desperate are you? Really, how desperate are you? Imagine having a card with a $1000 balance and a 59% APR (yes, that is correct, 59%!!) If you happened to land in dire straits (the trouble, not the band!!) and you were only able to make the minimum payment of [...]

Read the full article →

How Important Is Your Credit Score?

February 7, 2011

Well it is not nearly as important as the banks, the lenders, the credit bureaus, the entire system will have you believe. Of course, a high credit score can get you lower rates and better terms when you borrow money. A good credit score will also enable you to borrow money if you need to. [...]

Read the full article →

After Bankruptcy

February 1, 2011

So after you finally got to the point where you couldn’t do it anymore and you decided that you had to file bankruptcy, what happens? Well, if you file Chapter 13 you will, of course, still be paying back your debt at reduced rates. But you may still have most of your assets. If you [...]

Read the full article →

← Previous Entries

Next Entries →