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Addressing Bad Credit Card Debt
As credit cards become ever more popular as a means of payment, credit card pushes forward as a major financial problems in many households. It is important to understand exactly what a credit card is and how it can affect your financial well-being...
Credit Establishment 101
There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money...
Homeownership Is Still Possible With A Flawed Credit History
Besides lack of a down payment, bad credit is one of the biggest obstacles to homeownership. However, just because you have blemishes on your credit doesn't mean that it has to be a dream deferred. It just means that you need to go into the...
How Do You Accept Credit Card: Let Me Count The Ways
Nowadays, everything seems to revolve around plastics. That is,
more and more people are finding credit cards as the most
convenient way to shopping, whether it is online or not.
Hence, with the arrival of credit cards in the market...
Repairing Credit Ratings to Build Credit
Is your goal to repair your credit rating? Then you might want
to consider many factors before getting started on building you
credit. Credit is good in many ways, and bad in some ways.
Credit puts stress on us simply because we have to maintain...
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Bad Credit Debt Consolidation Loans
Are you looking to consolidate credit card or other debt? Do you have bad credit history? There are many options available online nowadays to help you consolidate your debt. Whether you are wanting to consolidate credit card debt or other kinds of debt, it can be overwhelming searching online to find the best ones for your situation. Here is a short overview of what kind of debt services are available online.
If you are looking for a loan to consolidate your debt, you will need to qualify for the loan, just like any other loan. If you have a home, you may be able to get an equity loan using your equity or even go over the appraised value of your home in order to get the financing you need.
You may be able to qualify for an unsecured loan, which can consolidate your debt with one low monthly payment with no ties to any of your assets.
There are other companies that will help you manage your debt without having to use another loan. These companies usually charge you a fee and then help negotiate lower interest rates with your creditors and manage your monthly payments. There are various ways to do this and every company is different. Usually these techniques will save you money to start paying down the principle on your credit balances.
Some of these companies are definitely worth the small monthly fee, and can save you much more than they charge. But, some of these companies are not legitimate and can
take your monthly payments and keep them for a month or more before they make your payments (collecting interest on the money all the while), causing you to accrue late fees and possibly collections. These companies can actually cost you money and make your situation worse.
Be careful when searching for debt consolidation companies to work with. Make sure they are legitimate, long standing companies before you sign on the dotted line. To see our list of recommended debt consolidation lenders click on the link below.
Consolidating your debt can provide great relief and breathing room when it comes time to pay your bills. Sometimes, when you are up to the hilt in debt, it can be so overwhelming just keeping up with your bills that it can be difficult to think about ways to start paying the debt down.
To see our list of recommended debt consolidation service companies, visit this page:
http://www.abcloanguide.com/debtconsolidation.shtml.
About the Author
Carrie Reeder is the owner of ABC Loan Guide. ABC Loan Guide is an informational loan website with informative articles related to many different types of loans. To see recommended, credible lenders and loan service companies, visit:
http://www.abcloanguide.com/debtconsolidation.shtml
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Springboard - Non-Profit Consumer Credit Management |
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| Credit - Wikipedia, the free encyclopedia |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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