Credit and Debt Discussions

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...

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 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...

Seriously, who really cares about your credit? The article title might be a bit facetious, but...

What to Think About When Considering a Payday Loan As summer heats up, quite often so does our spending. From big vacations to day trips to the water park, from new grills to furnace...

Do You Need Debt Consolidation? Debt Consolidation offers credit counseling clients a different and new...

Consumer debt...how would I love to pay thee off! Let me count the ways... We live in a culture where the burden of consumer debt has not only become acceptable but even expected. Since...

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...

  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....

  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...

Does the Debt Snowball Method Promise the Most Benefits? A thorough study by ValuePenguin showed that 38.1%...

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

A Basic Guide to Financial Terms Related to Credit Here are some basic terms to know, especially when building or rebuilding your...

Facts and Figures: What You Should Know About Credit Cards, Debt, Interest, and Money...

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...

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...