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A Few Thoughts on Securing a Bad Credit Mortgage Loan
Over spending, the endless nights of partying, eating out and
more or less buying everything on a whim, has most likely put a
dent in your financial situation and will affect how you live
your life for years to come. Clearly, the best option is...
A Guide to Bad Credit Credit Cards
Having less than perfect credit can hurt you and your financial future. One way to get yourself
out of the dark hole of credit is by responsibly using a credit card. If you have bad credit and
are looking for a credit card, you may want to stick...
College Student Credit Cards - How to Choose the Best One
There are so many credit cards being offered to college students these days that it may be difficult to choose the right college student credit card. It is important to choose carefully to make sure that you have the best deal and rates available. ...
Obtaining a Poor Credit Business Loan
Business owners with poor credit ratings may find it difficult
to obtain a loan for business purposes, such as expansion or to
invest in a new product. Because lenders focus primarily on
personal credit scores for business loans, you need to...
Qualifying for a Poor Credit Business Loan
A poor credit business loan is designed for a business person or
persons with a poor credit history.
In the life of a business, virtually all come across a time
where extra money is needed for business growth, expansion, a
new venture, or...
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Credit Card Debt: How To Deal With It
Do you have a hard time paying your credit card bills? Starting
to get notices from waiting creditors to pay? Worried that you
might lose your properties like your house because of credit
debt? Chin up: Dealing with credit card debt is not as hard as
you may think. If there's any consolation, you're not the only
one facing such situation. At some point, many people like you
face financial crises with credit card debt. But you must
remember that your financial situation doesn't mean it should go
straight to the dogs, making it worse than as it is.
Here are some tips to help you cope with your credit card debt:
Make a Budget. If you want to have a grab of your financial
situation before you lose everything, making a budget is what
you should do first. Assess how much do you get from your income
or other means and your expenditures. For example, if getting
that posh apartment means you have to limit your meals to once a
day, then it is not a great and sound budgeting decision. Your
goal is ensure that you can answer for all the basic
necessities: food, housing, clothes, health-related costs, among
others.
Contacting Your Creditors. Remember: Running away from your
creditors is not the answer. It is not a solution, and may in
fact lead you to bigger problems. If you are having trouble
paying off your debts, address this immediately with your
creditors. State to them sincerely and fully the reason why it
has become hard for you to pay
these debts, and check if they
could give you a revised payment arrangement that will put you
at ease on your payment terms. Do not let creditors turn over
your situation to someone or an agency to do the collecting for
them, as this means that they have given up on you.
How to address Debt Collectors. There is a law that gives
certain conditions for debt collectors as to when and how they
should ask you to pay. The federal law, Fair Debt Collection
Practices Act, clearly states that those collecting debts may
not bug you, give false assertions, or do practices that are not
fair when they are getting to collect money from you.
Credit Counseling. You could also consider getting the aid of
groups or institutions that will help you in your problems. If
you managed to have an improved payment arrangement of your debt
with a good credit counseling organization, creditors may
approve of your proposition and accept your modified arrangement
plan.
Bankruptcy. Generally, personal bankruptcy is known as the last
choice to fix your ballooning credit debt. A bankruptcy
unfortunately stays on your financial information report for
years. Getting additional credit, buying a house, sometimes even
getting a job might be hard for you. Technically, however, it is
a legal way of addressing your credit debt.
About the author:
More information about credit and credit cards is available at
stooze online
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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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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| 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. |
| www.ncua.gov |
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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" ... |
| en.wikipedia.org |
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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 ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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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. |
| www.creditmag.com |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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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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