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A No-Brainer Way Of Getting Credit And Credit Cards
What Is Your Credit Rating Now?
If you have any charge accounts now, or have ever borrowed from the bank to buy a car, or if you ar paying on a mortgage, there is credit information on you.
Up until a few years ago, you could only guess at...
Bad Credit Mortgage Loans - Are You Killing Your Chances Of Getting Approved?
When you have poor credit, your list of lenders that will approve you for a home loan can shrink down very small. You want to make sure that you are doing everything in your power to keep your credit rating as high as you can.
Many people will...
Building Business Credit
Let’s imagine that you wanted to start a business—you have a great business idea, and now all that you need is business credit so that you’ll be able to borrow money against your business without having to dive into your personal assets or personal...
Credit Card Entrapment- The Secrets are out
Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but you...
Credit Report Disaster Through Mistaken Identity
I've got some very important info I want you to think very seriously about. I'm sure by now you've heard of Identity Theft,...heck you may have even been affected by it. I know many of my friends have. But how about what may potentially be even a...
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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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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| AnnualCreditReport |
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| Credit referencing and consumer targeting for the USA and other countries. |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| 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 ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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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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