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Bad Credit Auto Loan Refinance - Bad Credit Auto Refinance Tips
Most people know that it is possible to refinance their homes
but did you know it is also possible to refinance your auto?
Indeed for many people who have high interest sub prime car
loans, refinancing their auto loans may be a wise decision....
Credit Education
Getting Credit Education Having credit education is like knowing how to read. It will be necessary throughout your life. Once you learn it, you will know it forever. Once you establish good skills, they will help you to get ahead throughout...
Credit repair scam - How to avoid being a statistic?
Credit repair scam - How to avoid being a statistic? A good credit history is critically important for the consumer. A bad credit will prevent you from getting a business loan, owning a home, or even a job. Promises to "fix" your credit are always...
Don’t Let A Divorce Ruin Your Good Credit Rating!
In 1998, I divorced my husband and with that divorce came the normal splitting of property and assets. There also came a discussion regarding our credit card debt. Although, we were married for 5 years and did use the credit cards as a couple, only...
The Best Credit Card - Shopping For A Credit Card
Credit cards are just like any form of credit, you should shop
around to find the best deal. Depending on your situation, you
may want to find a card with low rates, a reward program, or a
0% APR for transfers. Make sure you look at several...
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Consumer Credit Counseling - Keep Debt Under Check by www.alifeoutofdebt.com
Before Jim left for a study-abroad program in Australia last
spring, he signed up for another credit card. One more wouldn't
hurt, thought Jim, then a sophomore at Iowa State University. "I
didn't plan on using the card," says Jim. "But Australia was a
blast." The price tag? Over $10,000.
Luckily for Jim and others in his predicament--the average
college student carries $2,400 in credit card debt some schools
are providing credit counseling to their students. Montana State
University in Bozeman, for example, operates Student Advocates
for Financial Education. During a typical session at the busy
office, counselors help students map out a budget, track
expenditures, and find ways to cut back on expenses. "Tuition
has gone up, the cost of living has gone up, and student wages
have not kept pace," says Deborah Haynes, an associate professor
at the school who oversees the program.
Payback. Students up to their ears in debt can also turn to
nonprofit consumer credit counseling firms. These organizations
can work out repayment plans directly with creditors or
consolidate bills into one monthly statement, something
on-campus centers may not be able to do. But be wary of scams.
Credit Counseling should be free or nearly so, and credit card
debt management plans shouldn't cost more than $50 to set up and
$35 in monthly charges, says Travis Plunkett, legislative
director with the Consumer Federation of
America.
Back at Iowa State, Jim struggled to make ends meet, barely
affording the monthly minimum charge on four credit cards and a
line of credit. He went to the Financial Counseling Clinic at
Iowa State, which offers to work with creditors to lower
interest rates, but quickly realized he needed a more
disciplined approach. He left school to move in with his parents
in Minnesota and is now taking classes at a local community
college. And he signed up with Lutheran Social Services, a
nonprofit group in Duluth, Minn., that offers consumer credit
counseling and credit card debt management.
Hill is now on a tight budget. Two thirds of what he earns each
month working at a bank goes toward his credit card debt : He
pays $65 to Lutheran Social Services each month--the
organization keeps $5 and disperses the rest to two credit card
companies--and coughs up an additional $420 to pay off his other
cards and the line of credit. "It's a big burden," he says. "But
it's going to be solved."
About the author:
Paras Shah
Email: parassshah@gmail.com
www.itsallaboutlinks.com
: Link Directory - Add URL - Submit Article for FREE
www.alifeoutofdebt.com :
Bad Credit Debt Consolidation - Consumer Credit Counseling
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| News and resource directory about credit unions. |
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