1. Thank You
(About Us/About Us)

... We follow Federal Guidelines set in place by the: Fair Debt Collection Practices Act  ...

2. Top Debt Management Programs
(Education Center/How to Improve Your Credit)

Top US Debt Management Programs Debt is one of those cases where it may be a necessity to approach experts for financial advice on debt management. This is the reason there are so many  ...

3. Fixing Bad Credit
(Education Center/How to Improve Your Credit)

... this will let the creditor know that you are diligently working to pay off your debt and acknowledge that you owe the money. Most problems can be resolved by addressing the situation with the creditor ...

4. Factors That Can Lower Your Credit Score
(Education Center/How to Improve Your Credit)

... due and negatively report to the credit bureau. It is also important to remember that negative marks on your credit can expose consumers to legal action, judgments, and even foreclosures. High Debt ...

5. Establishing Credit History
(Education Center/How to Improve Your Credit)

... that requires additional money, a lender will determine financially if you are able to pay off the loans based upon your track record of paying off debts. If you have bad credit, or a history of ...

6. Debunking Credit Myths
(Education Center/How to Improve Your Credit)

... will affect your debt to income ratio (DTI) and help creditors determine the figure as well; however, if you are late or default on payments it will impact your score. Age, Sex, and Race can ...

7. Debt Management
(Education Center/How to Improve Your Credit)

Debt Management In some cases it will become a necessity to seek the expertise of a debt management expert. This is the main reason there is a plethora of non-profit debt management ...

8. Debt Consolidation Loans
(Education Center/How to Improve Your Credit)

Debt Consolidation Loans Debt consolidation can replace several high interest rate loans or credit cards with one debt consolidation loan which can lower your monthly payments and save ...

9. Debt Consolidation Services
(Education Center/How to Improve Your Credit)

Considering Debt Consolidation Services Although everyone’s situation is different, a number of people will determine they need the assistance of a debt consolidation service. Numerous ...

10. Credit Rating
(Education Center/How to Improve Your Credit)

Credit Rating Most adult Americans and many minors will have some type of credit associated with their name and have accrued debt. Most of them do not have a good understanding of how ...

11. Bad Credit Business Loans
(Education Center/How to Improve Your Credit)

... business has excellent credit and can prove it is viable debt to secure the loan. If you are a homeowner; in some cases, you may be able to use the equity in your home to quality for a bad credit ...

12. Bad Credit Resources
(Education Center/How to Improve Your Credit)

... on track there is help. In fact, there are many organizations and resources available that can help you overcome the debt hole with hard work and a little time. Here are a few resources that can ...

13. Bad Credit Refinancing
(Education Center/How to Improve Your Credit)

...  as bankrupt If you’re debt to income ratio is 50% or higher- this translates into your income not covering the debt expenses incurred It is imperative that you know your credit score prior ...

14. Bad Credit from Credit Cards
(Education Center/How to Improve Your Credit)

... you; this can also eliminate them sending your account to a debt collector. Contact one of your local credit counseling offices. A number of them are non-profit and are experienced in helping individuals ...

15. Bad credit can cause problems when you go to rent an apartment
(Education Center/How to Improve Your Credit)

... landlords will not even assume the risk associated with renting their property to you. An individual with bad credit can be perceived as les reliable in paying off their debt and deemed not financially ...

16. Getting used car loans with bad credit
(Education Center/How to Improve Your Credit)

... bad credit used car loan. A bad credit used car loan will provide you as the debtor an opportunity to purchase a vehicle. One of the cons to a bad credit used car loan is the lender will typically ...

17. Beware of Risky Home Equity Loans
(Education Center/How to Improve Your Credit)

... form of loan to value ratio. It is the appraised value of the home in comparison to the amount of debt owed. An example; if your home was appraised at $300,000 with just $25,000 remaining on the loan ...

18. Foreclosure: Avoid it by planning ahead
(Education Center/How to Improve Your Credit)

... with difficult financial times and is nearing foreclosure. Foreclosure is defined as the legal process in which property that has been deemed as secured debt is in default and is required to be sold. ...

19. Impulse Shopping: Our tips to prevent you from abusing
(Education Center/How to Improve Your Credit)

... to spend money. If you are one of those individuals that perceive shopping as affordable entertainment; you are one of the select few. For those of us that are in debt or have limited income, shopping ...

20. Reasons to Avoid Bad Credit
(Education Center/How to Improve Your Credit)

...  debt altogether. Here are a few reasons why it is important to improve your credit and eliminate bad credit. Bad Credit Makes it Difficult to Pay Off Debt One of the main reasons having bad ...