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5 Surefire Ways To Eliminate Credit Card Debt
Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an...
An Introduction To The Humble, But Oh So Powerful, Credit Card
It's hard to imagine doing business today without credit cards. If you are 1 of the few who do not own a credit card, you probably have difficulty renting a car or reserving a hotel room. On the other hand, if you have a fistful of maxed out credit...
Building Good Business Credit After Bad Credit
Can you establish good business credit if you have bad personal credit? The answer is yes...but with a few caveats. Business credit reports and personal credit reports are generally completely separate databases for legal reasons. However, there...
Unsecured Personal Loans and Credit: A Summary
For those exploring the possibility of taking a loan but not quite sure what unsecured personal loans and credit are all about, here’s a helpful summary. This summary will help you to understand what unsecured personal loans and credit involve and...
Useful Tips When Choosing Credit Cards
Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop...
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Credit Repair Help
When it comes to life the majority are always assuming, and the
most of them assume the worst. Creditors, debtors or anyone
today all base their theories on assumptions and assumptions
from the beginning of time have caused nothing but failure.
When people fail to pay their bills on time, many of the
creditors assume that the debtor does not have the means to pay
the debt. Many creditors with the assumption that you are not
capable of paying your bills will often set up an arrangement or
else lower the amount so that you can repay the debt.
This is a step to credit repair, however it takes you to contact
the creditors to let them know your situation. If you have
several bills on hand and all the bills are pressing it makes
sense to payoff the debt that benefits you the most. After this
bill is paid you can set aside an amount the following paycheck
to payoff another of the bills.
Once you follow this strategy it allows you to work your bills
down gradually thus repairing your credit. If you don't have the
funds to repay the entire bill at most pay the minimum amount so
that you can continue using the service. Most debtors assume
they are in debt and there is nothing they can do to resolve the
problems that plague their lives everyday. Creditors are always
on their back, and their paychecks are never enough to make ends
meet. This is the process of giving up on life.
When we give up it often leads to stress. The answer is often in
front of them or comes somewhere down the line. Sometimes we see
Credit Counseling or Debt Consolidation advertisings and think,
'how can they help me." The fact is Debt Consolidation is only a
lead to get creditors off your back for a moment. Credit
Counselors are more prone to help you find a solution to
repairing your credit. Credit Counselors is the solution when
you don't see a way out on your own.
The professionals work closely with your creditors, you, and
work toward a resolve. This is certainly a way to
get creditors
off your back, work out an agreement with your debts, and reduce
the stress level that comes along with financial burdens. Some
of the Credit Counseling Services offer a low fee for their
services and provide you with a financial managing solution.
The services often offer help with managing your money, as well
as offering counseling to homeowners, students, and so on. There
are many solutions for debt relief so the key then is not
assuming the worst. Again the main solution is paying off the
debts that are considered priorities. If you have secured loans
it is always wise to find a way to pay these bills first.
Unsecured loans pose a threat, but nothing compared to secured
debts. Some of the nonessential bills can include credit cards.
Although you are responsible for this bill, however the worst
that happens with credit cards is that you loose your
privileges. Check your terms & agreements, since some credit
cards may allow you to pay the interest on the cards. This will
give you the time you need to find a solution for paying off the
card. Some cards may even allow you to pay the minimum balance
on the card and allow you to keep the card in your possession.
If you have credit cards you might want to consider paying your
bills, which will give you time to repay the credit card. Pay
the maximum amount on the credit card before the bill comes in
so that you have funds available to pay your bills the following
month in case you don't have the funds available. There is
always a solution, so never assume that you can't deal with any
problem. You might want to cut back on some of your spending so
that you will have extra cash when those bills come in also.
Cutting back only provides a solution for gaining money and
repairing your credit.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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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" ... |
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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 ... |
| 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. |
| 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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