When Is The Best Time To Contact Creditors
Right away. Let me explain. Ideally, you want to contact them right away – BEFORE you have to make a late payment. If you have been laid off, or your house is about to be foreclosured on, or your adjustable rate mortgage just reset and you can’t get a better loan deal and you may [...]
Priority Setting During Hard Times
Most of us have experienced times of financial hardship at one time or another. Sometimes it’s because of layoffs or reduced working hours. Other times, it’s due to large, unexpected expenses. But no matter what the reason, financial difficulties necessitate taking a look at our priorities. When money is no object, we often spend it [...]
Fair Credit Reporting Act Explained
Your credit report can affect numerous aspects of your life. It impacts your ability to get credit and the amount you pay for it, but that’s not all. It can also affect your insurance rates, employment prospects and even your ability to rent a place to live. Keeping our credit reports accurate and private is [...]
Keep An Eye On These Numbers
If you want to stay out of debt, or get out of debt, there are some numbers you should be keeping a close eye on. Your credit score – at the very least, check your credit report once a year to make sure there is no inaccurate information on there, but if you can afford [...]
Credit Card Company Tricks
When you look at tempting credit card offers, keep in mind that credit card companies create all of their programs to benefit THEM, not you. Here are some ways that they lure you in and then end up socking you with big fees: 1.) The “$35 a month” computer, TV set, jet ski…You see the [...]
