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Credit Counseling – Get in Line Now to Avoid the Upcoming Rush
Credit counseling is a valuable service for consumers who have trouble managing their finances. A distinctly different service from debt consolidation, credit counseling assists consumers with problem debt by educating them about the basics of...
Finding The Best Credit Card For You And Your Lifestyle
Credit card companies offer potential customers a variety of
different deals in an effort to gain their business. When
shopping around for a credit card you will often find that
various credit card companies will have different offers to
make....
How To Report An Error On Your Credit Report
Have you been turned down for a loan recently? Have you applied for store credit and been refused? Did you really want that car and find out that because of your 'credit score' that they would have to require an unreasonable down payment? Credit...
Store Card Versus Credit Card - Which Should You Choose?
Store cards and credit cards have their advantages and disadvantages, but which is best for you. In this article we point out some basics to help you take control of your spending.
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What Is Credit Counseling?
If you are in trouble financially, you have probably heard the term “credit counseling,” but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it’s a completely...
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Recognizing the Signs that You Might Need Credit Counseling.
Most families in America today have a credit card; some have two or more. The type of credit card you own, gold, platinum, ext, is almost a status symbol in society. The concept is a good one, using your good credit to purchase big-ticket items that you may need time to pay for. If used wisely, credit cards can be a dependable resource, however, sometimes we are unaware of the fact that we are overspending. Some may think that if they are able to make the monthly payments, then their debt is under control. This is not always the case. These are some signs that you may be in or going in the direction of having a major financial crisis.
* You use your savings to pay monthly bills.
* You pay only the minimum monthly payments on any of your credit cards.
* You take out cash advances to pay your credit card bills, or other bills that you may have.
* You are over or nearly over your credit limit on one or more credit cards.
* You have been turned down for loans.
* You
receive calls or letters from collection agencies.
If you think that you may have a debt problem, there is help. Credit counselors are trained to help you get out of debt in a very short period of time. Some can even help to make you debt free in as little as 18 months. Your individual situation may take more or less time. Even if you have good credit but have made unwise choices while using your credit card and you want to preserve your good credit, you mat benefit from credit counseling. Many credit counseling agencies will provide you with a free debt analysis to help you understand what actions that you can take to reestablish your credit without bankruptcy.
About the Author
Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and free debt consolidation information that you can research in your pajamas on his website.
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