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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...
Finding Good Loans for Bad Credit
When looking for loans for bad credit, many people find that the loan offers that they receive are riddled with complex loan terms and excessive interest rates.
If you're like most people, you don't want to pay more for loans for bad credit than...
Poor Credit Home Equity Loan Tips
A home equity loan can help repair your poor credit history. Begin by finding a competitive financing lender with affordable rates and terms. Next, work toward establishing a solid credit history, enabling you to lower your interest rates on future...
Repair Your Credit and Prevent Future Credit Problems
Wondering how to repair your credit? Consider these options.
When should you consider credit repair? A lot of people assume
their credit is fine, when in fact there may be mistakes applied
to your credit report that you don't even know about....
Simple Steps To Improving Your Credit Report
Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well. Whether it’s human error, out of date information or even...
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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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| Credit magazine, corporate bonds, derivatives, structured credit ... |
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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, ... |
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