Debt Consolidation for Bad Credit

How to Consolidate Your Debt if You Have Bad Credit

If you have thought about consolidating your debts but heard how difficult it can be to qualify for a debt consolidation loan or even a credit card balance transfer if you have less-than-great credit, you may be discouraged wondering what someone with...

Debt Management Programs and Credit Scores

Financial Myth: Don’t Debt Management Programs Hurt my Credit Score? When entering our debt management program (DMP), keep repeating to yourself…”I am here to get out of debt.” Nothing worthwhile is ever very...

Carrying Credit Card Balances

Carrying Credit Card Balances I have some friends that live nearby who were looking a year or so ago at buying the home they were renting. I had the privilege of sitting down with them for a couple of hours to review their finances and their credit in hopes of helping them understand what it...

storefront of a payday lender

Payday Loan Pitfalls – An Industry Scrutinized

Need fast cash? Can’t wait until payday? The High Cost of Payday Loans Perhaps that should read; Need fast cash? Can’t wait until payday? Borrow money for only 400% interest. Payday Loan Fees can run between 390 to over 780% APR depending...

6 Steps to Finding Credit Card Relief

  In desperate need of relief from your overwhelming credit card debt? Truth is you're not alone. In fact, 48% of adults who have a credit card carry a balance. As of December 2018, the total amount of revolving credit card debt owed by cardholders in the United States is more than $420 billion....

credit card debt

Debt Repayment Options

  Which Debt Repayment Option is Best for You? If there were an option to get out of debt quickly, painlessly and in a way that was likely to succeed, there really wouldn't be so much confusion about how...

Bad Credit? How to Successfully Overcome it.

How to Raise Your Credit Score In order to judge an individual’s creditworthiness, they are subjected to a process that gathers information,...

meter showing poor fair good and great credit score

FICO Explained

What Is a FICO? When it comes to credit scores (also generically referred to as a credit rating), most Americans know that they are important...

Learn to use your credit card to your benefit.

7 Do’s and Don’ts of Credit Cards

What to Do & What to Avoid With Credit Cards While credit cards can be a pitfall to many consumers, they are not inherently bad. They do come with...