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4 Principles to Follow to Avoid Credit Card Debt During the Holiday Seasons
The holiday season has arrived. It is time to celebrate, make
merry, and have fun. Travel plans have been made, lists of gifts
for family and friends have been drawn up, and arrangements for
parties are in full gear. It is indeed the season to be...
Bad credit loans - if you did not know bad credit could be rescued
One financial mistake and you are down in dumps. It is under no circumstances a very choicest place to be. But only when you hit the rock bottom you realize that there is no way, except the way up. "Way up" not only sounds good, it is good. In the...
How to Get Your Credit Report for Free
Did you know that it's easy for you to get a free credit report ? An amendment to the FCRA requires each of the nationwide consumer reporting companies--Equifax, Experian, and TransUnion--to provide you with a free copy of your credit report, at...
Learn How To Fix Your Credit & Debt Problems - Before Buying Your Next House!
Most people think - mistakenly - that if you have credit problems, you have to wait 7 years for them to go away. Well, that's not always true.
Credit repair can help you...once you know how to do it. The time to clean up your credit and pay off...
SuperCharged Secret 4 - LIVING IN CREDIT CARD UTOPIA!!!!
5 SuperCharged Secrets to Credit Card Utopia! Secret 4 of 5 YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER! Let’s just take a brief moment to recap: If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets...
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Bad Credit Debt and Loan Consolidation Advice
Are you deep in debt and have a bad credit history? If you
answered yes to that question, finding a company who offers a
bad credit debt and loan consolidation service may seem like the
perfect solution. It is very important however, to investigate
all of your options before taking such a drastic step. Bad
credit debt and loan consolidation solutions usually come at
quite a hefty price so it is important that you choose carefully.
Many people who have large amounts of debt do not need any form
of bad credit consolidation as long as every every effort is
made to spend less and pay off bills. Obviously, you don't need
to pay a professional bad credit consolidation advisor to find
that out.
Before you consider taking out any kind of bad credit
consolidation loan, it is important to call the companies that
you owe and plead your case for lower interest rates and a
longer payment schedule. You may well find that you will be
given reasonable arrangements if you explain that you are
considering using a bad credit consolidation service. Many firms
would prefer you to pay less over a longer period of time than
have to deal with the negotiations of a bad credit consolidation
agency.
The interest rates of most bad credit consolidation packages are
more or less the same and any very low rates that are advertised
are for people who have great
credit. You need to be sure you
know exactly what the cost of entering the bad credit
consolidation program is, and whether it will be worth it in the
end, so you should inquire about interest charges and any other
fees that might stack up during the program.
Your credit rating may or may not benefit from working with a
bad credit consolidation plan however it is unlikely to make
your credit rating worse. Many creditors will actually see that
having a bad credit consolidation plan in effect as a sign of
you trying to get your finances back on track.
A bad credit consolidation plan and loan is most certainly a
better option than declaring bankruptcy. Bankruptcy will follow
you for a long time whereas the bad credit consolidation loan
only remains for as long as you are paying it off. Chapter 7
Bankruptcy will be part of your financial history for roughly 10
years. Chapter 13 can be much longer depending on how many years
you need to pay off your debts. If you do decide to go forward
with declaring bankruptcy, rather than taking a bad credit
consolidation loan then make sure you are prepared to deal with
the consequences.
About the author:
Jordan Dunham is an expert on consolidating
student loans, visit
http://www.students-loan-consolidation.org/ today for
information.
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