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A Credit Card Can Sing A Christmas Carol
"Christmas Time, Mistletoe and Wine" How many times have you
heard this so far and its only November? A few I'll bet, but
with Christmas seemingly becoming earlier to us each year, we
will no doubt feel the need to get ahead with our present...
A Guide to Finding the Best Student Credit Cards
Student credit cards annually bombard freshman as they enter college. It has become a fall ritual. Parents should be vigilant in discussing the importance and responsibilities that go along with having a credit card before the students ever leave...
Good Credit -- Essential for the Prospective Home Buyer
Credit is a funny thing. It can be a useful tool in the hands of an informed individual, or a weight of burden to the unsuspecting. One thing is for certain, you must have a decent credit score to attain a quality mortgage loan. We speak to...
Home Mortgage Loans For People With Bad Credit
Getting a home loan with bad credit has actually never been easier than it is today. Here are some tips to help improve your chances of success: Find A Good Real Estate Deal – If you can find a property that has some equity in it when you purchase...
My Credit Report
"What kind of information is on my credit report -and how can I see it?" is a common question among people who have had trouble securing credit or loans. Basically, your personal credit report is an electronic record of all of your credit activity...
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Easing Your Financial Burdens With Credit Counselling
It is a well-publicized fact that more of us are getting ourselves into greater debt, and this may be true for you. The embarrassment of your financial situation can mean you are unlikely to seek credit counselling or other credit management solutions. Increased house prices and greater cost of living can force you to turn to heavy borrowing. While this works in the short term, it undoubtedly leads to greater financial burden in the future. Is there anything you can do to stop this trend in your life?
Credit Counselling Helps People with Bad Credit.
It is much easier to borrow money now than it ever has been. This can prove helpful when seeking a first-time mortgage or wanting to borrow some money to buy that essential purchase. In the long run, borrowing money at the increased rate you are charged can lead to financial ruin.
Secured credit cards can be obtained with a few simple clicks of a mouse, and you rarely think about the consequences of your actions until it is too late. Credit counselling can help. A credit counselling service looks at your finances and works out exactly how much income and outgoing you have and then creates a repayment plan to help you pay off your debts. They contact your major lenders to agree a
reduced repayment rate, in order that you can pay off all of your debts, and, above all, they can help set your mind at ease.
Structured Repayments.
Having many different debts with many different companies causes a lot of debt problems. With payments going out at different times and to different people it is very difficult to keep track; once you miss one payment these things tend to mount up very quickly.
Don’t be embarrassed.
One of the hardest things about contacting a consumer credit counselling service is that you may be too embarrassed about the situation you find yourself in, yet you really don’t need to be. Credit counsellors deal with cases like yours on a daily basis, and there is always somebody in a worse situation than your own. The worst mistake to make when considering credit counselling is not considering it soon enough.
Credit counselling does not help consolidate your debts but they can stop debt collectors knocking at the door. They can help with credit repair and they can make people with bad credit rating feel like they are humans again.
About the Author
Melanie Slade is a freelance author from Naporville, Illinois. For examples of other articles, see www.a1-credit-counseling.net
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