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Avoiding Payday Loans for Credit Repair
If you are trying to make ends meet and have past due bills, piling up the last resource is taking out a payday loan to pay your dues. There are many sources available today that offer payday advances.
The loans are issued after you show proof of...
Fast Cash Personal Loan - No Credit Check and Very Quick
You can get a payday advance with cheap rates and get up to 30 days to repay your loan. A payday advance is an unsecured loan used to solve your temporary financial needs. With the convenience of online payday advance companies, obtaining a payday...
How to Find a Credit Union
If you’ve been feeling like small potatoes at your bank lately, it’s probably time to start looking at a credit union instead. Of course, you won’t find a credit union on every corner, or ATMs at every convenient location that you require. But if...
Save Money By Understanding Your Credit Card
Around £6billion a year is lost due to credit card users not understanding
how their credit card works. Too many people are dazzled by the latest deals
offered by credit card companies and end up paying more than they should, simply
...
What is a Bad Credit History?
A bad credit history can sometimes seem like a curse... whenever you apply for financing or for a loan, it always seems to pop up and cause you problems. Having a bad credit history can even cause you problems when applying for some jobs or other...
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Debt Consolidation Credit Counseling Agency Help: How to Spot the Best Program
An individual's financial integrity is extremely important and
if one is in need of help to get back on track, the best place
to go to for debt consolidation credit counseling is a
professional, accredited agency. There are so many different
options that you can choose from to sort out your credit card
debts that it may seem overwhelming at first. A debt
consolidation credit loan counseling service can help you to
decide on the best approach to take.
A debt consolidation credit counseling agency will go through
your financial situation and work with you, and your creditors,
to create a repayment plan that you can keep to until your debts
are paid off. There are literally hundreds of debt consolidation
credit counseling agencies and it is important to choose the
best one for you. One of the major factors that you should
consider when searching for the best debt consolidation credit
counseling agency to suit your needs is to check if they are
accredited to a third party organization. Accreditation means
that the services of the debt consolidation credit counseling
agency are endorsed by another organization that confirms their
high standards.
There are a number of organizations that a debt consolidation
credit counseling agency can be accredited by but the most well
known is the Council on Accreditation of Services for Families
and Children, Inc. (COA). This guarantees that the debt
consolidation credit counseling agency will adhere to high
standards of service delivery, counselor certification, fiscal
integrity, and volunteer Board governance. The COA does not give
accreditation to every debt consolidation credit counseling
agency and they only give their seal of approval
to those debt
consolidation credit counseling agencies who meet their exacting
standards are given their seal of approval.
Many debt consolidation credit counseling agencies are members
of the National Foundation for Credit Counseling. Debt
consolidation credit counseling agents who are NFCC-certified
have undergone a rigorous training and testing program.
To receive accreditation the debt consolidation credit
counseling agency must comply with several service-specific
quality standards such as:
* Annual audits of operating and trust accounts * The debt
consolidation credit counseling agency meets all consumer
disclosure requirements as set forth by the Federal Trade
Commission * Funds are disbursed daily and funds are disbursed
immediately in emergencies * Each consumer receives an
assessment of how he/she came to be in financial difficulty, a
comprehensive financial plan, and a written plan of action *
Clients receive (at minimum) a quarterly statement
In addition, the COA has their own standards for service
delivery & quality that a debt consolidation credit counseling
agency must meet for them to be accredited which are:
* Meeting the needs of cultural/ethnic population groups in the
communities they serve * Fair and equitable treatment of
creditors * Minimum fee structures for consumers * Presentation
of educational programs * Counselors who are NFCC-certified *
Having a branch counseling network in place for support their
clients
About the author:
Visit the student loan
consolidation center today, click
http://www.students-loan-consolidation.org/ for details.
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| Federal Trade Commission - Consumer Credit Center |
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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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| 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, ... |
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