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Bad Credit Bill Consolidation Loans
A bad credit bill consolidation loan may be one of the best
options available if you have bad credit and a lot of debt. A
bad credit rating can be fixed, but it is much harder if you
still have outstanding debts.
The best way to improve...
Credit Card Debt Consolidation Programs: A Complete Guide
Many of us have credit cards these days, and a great many people
find that making multiple monthly credit card payments a
struggle. If you are one of those in this situation, then you
may want to consider taking out a credit card debt...
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...
Rebuilding Your Credit: Path to Cheaper Borrowing
Rebuilding your credit can be a great technique to take control of your future. Face it - to live in today's world, you need access to credit, and you need it cheap. Unfortunately, lots of people have ruined their credit because of hard times or bad...
Understanding Credit
Understanding Credit
What are Credit Scores?
A credit score is a number that is calculated based on your credit history to aid lenders in determining your credit-worthiness. This number is intended to help a lender ascertain the level of risk...
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What is Credit Counselling?
Ever wondered what is Credit Counselling? There are occasions when you might encounter a financial situation that is beyond your scope which is when a session with a credit counsellor could be beneficial.
If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit counselling organisation. Many credit counselling organisations are non-profit and work with you to solve your financial problems. But be aware that, just because an organisation says it's "non-profit," there's no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counselling organisations charge high fees, which may be hidden, or urge consumers to make "voluntary" contributions that can cause more debt.
Most credit counsellors offer services through local offices, the Internet, or on the telephone. If possible, find an organisation that offers person to-person counselling.
If you are not sure of how to contact a counselling service, check with your financial institution, local consumer protection agency, friends or family as they may be a good source of information and referral.
Reputable credit counselling organisations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counsellors are certified and trained in the areas of consumer credit, money and debt management, and budgeting.
Counsellors discuss your entire financial situation with you, and help you develop a financial plan to solve your money problems. An initial counselling session typically lasts an hour, with an offer of follow-up sessions.
Be wary of credit counselling organisations that:
charge high up-front or monthly fees for enrolling in credit counselling.
pressure you to make "voluntary contributions," another name for fees.
won't send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers and balances.
You may freely reprint this article provided the author's biography remains intact:
About the Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.
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| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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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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