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Articles about or concerning Credit Counseling, Credit Debt Advice, Credit Reports, Free Credit Counseling, Non Profit Credit Counseling, Consumer Credit Counseling, Consolidated Credit Counseling.
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You Can Now Do Credit Rating Repair Using Credit Repair Software

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 Karrina Popa (December 27, 2012)  Because of the current financial situation, a majority of people are experiencing substandard credit rating. This means that they are now unable to avail of any credit from banks or loan companies. While it is possible to rectify credit rating using the relevant software but you cannot expect instant results. Thus if you are looking for an immediate solution for your problems then this .. (Credit Counseling)

Save Precious Time By Managing Your Credit File Online

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 Suman Kumar (November 20, 2012)  Whenever you are in need of money to start a new business or expand it or buy a new home or anything else, you need to take a loan or applying for credit. For that you need a credit file which stores all the essential information about you, the previous credits that you have taken, time of repayment, amount of credit, etc. This file is very important both for you and for the lender or .. (Credit Counseling)

Your Guide To Managing Credit Report And Having A Good Credit History

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 Suman Kumar (November 07, 2012)  Whenever you open a business or a firm, you need money. For getting this money as a loan or credit, you need to have a credit file. A credit file is a type of file that contains your personal information like name, address, date of birth, contact numbers etc. along with other important information regarding the credit. Information regarding the amount of money that you have credit, the . (Credit Counseling)

Save Precious Time By Managing Your Credit File Online

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 Suman Kumar (November 07, 2012)  Whenever you are in need of money to start a new business or expand it or buy a new home or anything else, you need to take a loan or applying for credit. For that you need a credit file which stores all the essential information about you, the previous credits that you have taken, time of repayment, amount of credit, etc. This file is very important both for you and for the lender or .. (Credit Counseling)

Can These Credit Repair Tiips Change Your Life? Yes!

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 Carrie Westengate (August 19, 2012)  Millions of people live with bad credit as a result of negative financial impact from loss of employment, climbing cost of living, and the daily challenges of making ends meet. Fortunately, these tips will help you build your credit score. You must make an effort to pay the minimum payment at least on your credit cards when you are engaged in repairing your credit. Late payments are .. (Credit Counseling)

Keep It Simple! Repair Your Credit With These Tips

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 Carrie Westengate (July 14, 2012)  If your credit report contains inaccurate information then it will negatively affect your credit score, making it difficult to get any lenders to work with you. Taking your poor credit situation into your own hands and doing something to make it better is generally considered best for getting you back on your feet again. These tips will help you fix your credit. People who want to make . (Credit Counseling)

Ideas For Mending Your Credit Score

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 Carrie Westengate (May 03, 2012)  During these tough economic times, there are many people whose credit scores are suffering, and they are working hard to change that. It will take some time to fix your credit and you the suggestions that follow may help. Getting your credit report is the first step on the road to fixing your credit problems. Check your credit score, and look for any errors within your credit report. .. (Credit Counseling)

Fix Your Credit Today With The Help Of These Great Tips

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 Carrie Westengate (April 27, 2012)  No one wants to have bad credit. It can make life more difficult and make you feel inadequate as an adult. Unfortunately, sometimes things happen and you find yourself with a poor credit score. Don't worry because it is possible to repair your credit. Continue reading for some things you can do to get yourself started today, repairing your credit. TIP! Paying off what is due on your .. (Credit Counseling)

4 Tips for Improving Your Credit Score | Credit Repair

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 Michelle Hindman (September 28, 2011)  Credit repair is not quite as simple as repairing your car. It can take years for your credit score to bounce back from a delinquency or default. And without a good credit score, you can find yourself fielding rejection notices when you apply for a loan or credit card. Or you could have to pay a significantly higher interest rate to borrow then someone with a higher score. Why is your .. (Credit Counseling)

Begin Fixing Your Credit Today

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 Brad Roberts (August 25, 2011)  In terms of making sure that one has all the power they desire in order to buy what they desire everyone should ensure that there isn't any pieces of incorrect facts about their credit reports. Now, a number of people may think that there's nothing wrong with their credit when there actually is even though it isn't their fault. It may not make a lot of sense but the simple fact is that . (Credit Counseling)

Working After Retirement Doing Childcare

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 Thomas Butcher (August 19, 2011)  Have you recently retired from your day to day job, but are finding that staying home is not quite what you envisioned? Are you bored and need something to stimulate your life? You could pick up a part time job at any retail store-they are always willing and eager to hire retired persons, but this may not be what you have in mind. You really want to be around youngsters again, you loved . (Credit Counseling)

Credit Counseling: Is it Right for You?

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 Thomas Butcher (July 15, 2011)  Are there circumstances in your life that are making it harder and harder for you to keep your payments current on many or all of your bills? Have you missed a credit card payment or two, or maybe you have medical bills that are dragging you down financially? Often it’s the unexpected occurrences that throw your finances into turmoil, and if your situation was precarious to begin .. (Credit Counseling)

Important Things You Should Know About Credit Repair

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 Bob Gillespie (July 08, 2011)  Credit repair is your legal right which is guaranteed by the Federal Fair Credit Reporting Act. This law was written for the purpose of correcting and counteracting the abuses of the credit reporting bureaus. More complaints are filed against credit bureaus than against any other type of business. The credit bureaus have declared war against credit repair firms. They pass judgment on .. (Credit Counseling)

Take Advantage of Debt Solutions

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 Thomas Butcher (May 13, 2011)  Don’t sit there worrying about how you are going to pay your mounting bills. Ignoring them doesn’t make them go away, either. The late charges keep accumulating, the harassing phone calls are not going to stop, and if you don’t answer the phone, the letters and notices fill your mail box. Is that how you want to live for the rest of your life? Hiding out from your .. (Credit Counseling)

Credit Repair - How To Remove Negative Credit Items

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 John Stevens (November 29, 2010)  The purpose of a credit repair company is first of all to improve your credit rating. But how do they're going about doing this? No one can legally make your accurate bad credit items disappear. Unfortunately inaccuracies do happen and they can negatively affect your credit history. Here’s the thing though, incorrect items can be taken off. Here we'll go over how to remove these .. (Credit Counseling)

How to Get Out of Credit Card Debt Effectively?

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 Sylvester Jalnaiz (June 30, 2010)  Credit card debt is one of the many financial problems that most people face nowadays. Credit cards are more common and easily available to everyone. Having to own a credit card gives you the luxury of buying anything you want at any given time. It helps people transact easily without having the need to bring an actual amount of cash. But it is also an alarming fact that most of the .. (Credit Counseling)

Be aware of Money Mistakes Such as Obtaining Several Charge Cards

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 Rueben Hird (June 09, 2010)  Among the most well-known financial error which everybody will make at a certain time or another is to miss paying your charge card balance before the due date. In most instances, even though you only miss paying the balance by 1 day, you shall be hit with large interest fees, as a great deal of lenders either back date the interest for every purchase, or charge you interest on .. (Credit Counseling)

Who Likes To Spend More Than Required

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 Shristy Chandran (June 05, 2010)  Who likes to spend more than required? Especially, people living Los Angeles who enjoy their lives to the fullest but simultaneously work very hard to earn lots of money. But, people in Los Angeles often overspend on things and services up to 20%. These may include various things such as cars, homes, accessories, jewelries, etc. A lot of these things get paid either in cash or on .. (Credit Counseling)

Maidenly Pleasures

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 Jamesx Smith (October 24, 2009)  It seems rather quaint that here in the 21st century we still adhere to customs and practices of the past. Why would we hang on to these things? The easiest answer is probably because we like to keep some customs alive even though they may be somewhat outdated. So why do we have bridesmaids? Well, some countries have different reasons for the maids. At one time it was thought that .. (Credit Counseling)

Debt Settlement – The Fastest Way To Become Debt Free

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 James. Kertley (June 30, 2009)  Yeah it’s true what you are going to read and we guaranteed you that after reading you can’t keep your hands for applying for debt settlement. Debt Settlement, what exactly it is? Debt Settlement known also as debt arbitration or debt negotiation is the process of negotiating or settles your payment that is less than the full amount of your total debt with your creditors. .. (Credit Counseling)

Consumer Credit Counseling Services

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 Abby Reid (November 04, 2008)  New York City is one of the most expensive cities in the United States. The cost of living is extremely high, and over 1.5 million city inhabitants live below the poverty line. As more people face financial hardship and declare bankruptcy, it becomes increasingly difficult for NYC residents to stay out of debt. Online consumer credit counseling services are extremely beneficial for New .. (Credit Counseling)

Beat Credit Card Debt - How to Do It

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 Frederic Robinson (October 22, 2008)  You don't know how you got yourself into a mess with the credit cards but now you need advice on how to beat credit card debt. There is usually no need to panic as there are some steps you can take to try and regain a little control. Never be in denial and admit to yourself that there is a problem. This is probably the most important factor to beat credit card debt. Commit yourself to .. (Credit Counseling)

If You Are Considering Credit Repair After Bankruptcy, You Definitely Need These Steps!

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 Ann Born (October 22, 2008)  Credit Repair After Bankruptcy There is no doubt that credit repair after bankruptcy is the toughest type of credit repair there is. If you legally declare yourself bankrupt then it can take ten years to clear your credit history. Many people think it is impossible to recover from bankruptcy however this is not the case. It is possible to achieve credit repair after bankruptcy with some . (Credit Counseling)

Credit Repair Companies - The Tips and Tricks to Finding the Best!

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 Ann Born (October 22, 2008)  The best credit repair companies will be able to assist you in quickly and easily eliminating your bad credit. When I say quickly, I do not mean overnight as that is not feasibly possible. It can take up to 10 years for some people to regain their good credit rating, and when you do it all yourself it may just take that long as it is a complicated and often confusing, not to mention .. (Credit Counseling)

Free Credit Report and Scores

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 Hector Milla (October 17, 2008)  Are you a person that is regularly updated about the state of your credit report? such thing has become very important nowadays, considering the current economic times it is advisable to be aware of the state of your credit, as every step of your financial moves need to be taken with care, a credit report checking could save you problems in the near future. At time, with the help of .. (Credit Counseling)

Credit Reporting Agencies - The Big 3

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 Tiffany Dow (September 30, 2008)  Your credit rating is one of those things you might not give much thought to on a daily basis, but it's an important part of your daily life. Good credit is vital to your financial freedom. When you consider making a large purchase, one that requires credit, you have to give consideration to your credit score and the health of your credit. And when you do think about your credit score, . (Credit Counseling)

Sure, We All Want Bad Credit Report Repair, But Where to Start?

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 Ann Born (September 29, 2008)  If you want to start fixing your bad credit rating today then you need to look at bad credit report repair processes and services. There are generally two options once you have decided to do something about your bad credit. 1. Attempt to fix it yourself. 2. Hire a bad credit report repair service to do it for you. Attempting to fix it yourself means that you are in total control but .. (Credit Counseling)

Statewide Federal Credit Union - What You Need to Know About Statewide Credit Union

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 William Perry (September 26, 2008)  What is statewide federal credit union, and should you deal with them when it comes to your finances? Here is a quick review to help you determine if they are the best organization to manage your money. Unlike many credit unions, statewide only allows access to members of certain companies. For a full list of them, visit their website. This actually can benefit you by providing you .. (Credit Counseling)

The Financial Art of Budgeting to Avoid Credit Card Counseling

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 E.S. Cromwell (September 26, 2008)  Come the end of each month you start to wonder about all the money you made. Particularly, you're curious as to where it all went. This is so because most, if not all of it, has apparently left your bank account. Now, you know you make decent money. Certainly enough to save. However, thanks to your spending habits with credit cards, all this hard-earned money has and continues to slip .. (Credit Counseling)

Sierra Central Credit Union - Are They As Good As Advertised?

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 William Perry (September 23, 2008)  Should you entrust the Sierra central credit union with your finances? Credit unions are growing in popularity all the time nowadays, and there's a reason for it. Generally speaking, they provide their members with the lowest possible interest rates on financing they could achieve, as well as banking services, and sometimes credit cards. If you aren't at least considering the sierra .. (Credit Counseling)

Credit Restoration in 3 Steps

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 Ryan J. Taylor (September 23, 2008)  Being faced with need for credit restoration is not as bad as it seems. Every day people find themselves in unexpected situations that take over their lives. Job layoffs, medical emergencies, deaths in the family. Everyone at one point in their life faces situations that cause a major financial blow and can cause major credit problems. When this happens and your debt and expenses are .. (Credit Counseling)

So You Want to Be a Credit Coach?

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 Caden Flynn (September 23, 2008)  There are many people who, in the present economic climate, could be considered potential clients for a credit coach. This is for two main reasons: firstly, the current problems experienced with sub-prime mortgages and secondly, that it is now mandatory by law for a person considering filing for bankruptcy to apply for credit counseling. Do you think that you would be a successful .. (Credit Counseling)

The Insider Secrets on Bad Credit Counseling Repair Uncovered

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 Izrul Fizal (September 22, 2008)  In present society, many people find that they need credit for any number of big purchases, from their automobile to their home and they may be called upon to produce a good credit rating without learning more about bad credit counseling repair. However, in many situations, from sickness in the family to divorce, may cause a person to have a less than perfect credit score. They may .. (Credit Counseling)

The First Step to Credit Repair and Why You Shouldn't Panic

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 Josh Ramos (September 17, 2008)  If you've recently been rejected for a loan because of a low credit score, don't despair.  You simply need to gain some knowledge and take some action to start improving your credit score. The first step to repairing your credit is to know where you stand.  You need to obtain a credit report from the major credit agencies.  There are three agencies known as Experian, Equifax, and .. (Credit Counseling)

Charging it - The True Cost of Credit Card Debts

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 Andrea Flint (September 16, 2008)  Since the first credit cards were issued in 1951, people rely upon their small plastic card for convenience and purchase power. Diners Club issued the first credit card used at 27 restaurants in New York. In the early 1960's, a magnetic stripe was placed on cards by San Francisco Bay Area Rapid Transit. But, it wasn't until the 1970's that the magnetic stripe on credit cards made them a . (Credit Counseling)

Debt Problems - Legal Action by Your Creditors

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 Philip McClarence (September 11, 2008)  By far the majority of actions in court to recover debt are taken under the ‘small claims’ procedure, which is intended to provide a relatively inexpensive and simple means for creditors to recover small debts (under £3,000). If the disputed amount is over £3,000* or if the matter is particularly complicated, the case may be heard under normal court procedures and the .. (Credit Counseling)

The Problem of Debt - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  The problem of debt is getting bigger and bigger with more people finding themselves in the trap each day and the individual debt problems are getting larger and larger. But what causes this? How can so many people be letting themselves get into this situation without realising? Well, the problem stems from a number of sources. First, is the availability of credit (debt!). Everywhere .. (Credit Counseling)

The Effects of Debt - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  For most people, being in debt and more importantly, having problem debt, is not only a very unpleasant experience, but also a frightening one. Unfortunately, it is steadily becoming a common experience. One of the most common responses to this problem is to ignore it. You pretend that it is not happening because it is just too much to face. Letters get ignored and left unopened and .. (Credit Counseling)

The Solution to Your Debt Problem - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  First off, there is a solution to your debt problem. There always is! It may not necessarily by a lot of fun or easy, but I guarantee it will be a lot better that ignoring the problem. The first step is to face the problem. If you have anyone close to you that you could tell and who won't judge you, then talking about it can be a huge help. The next step is to educate yourself and get . (Credit Counseling)

Debt Problems and Your Image - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  Record-keeping and presentation are important, and the more professional you can make yourself appear, the more likely you are to obtain what you want in your dealings with creditors. The impression which you will be trying to create in the minds of the people with whom you will be dealing is that of someone who knows his or her way around and must be dealt with carefully - a competent, . (Credit Counseling)

Debt Problems and Your Attitude - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  If you have looked into the ‘self-help’ market at all, you will undoubtedly have come across claims that ‘positive thinking’ or the daily ‘visualisation’ or ‘affirmation’ of certain goals will in some way mystically improve your situation. While it is not the remit of this book to go into these realms, a positive mental attitude definitely . (Credit Counseling)

Credit Counseling - Choose the Right Credit Counseling Service For You

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 Dee Power (September 09, 2008)  Facing a mountain of debt? Hiding from collection agencies? Dreading the phone ringing? There isn't a way to magically make all your debt go away but there can be relief. Consider credit counseling. Because of the state of the current economy, more and more people are choosing to utilize this service. You are certainly not alone in your decision. A credit counseling service will work .. (Credit Counseling)

Are You Considering Credit Counseling Or Debt Consolidation Loans?

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 Gregory S. (August 26, 2008)  For the many people across the country who are in over their heads dealing with debt, it's good to know what your options are. You never want to make an uninformed option and leave others in the wayside, leaving you to go a route that may not be the best for your unique circumstance. When it comes to taking care of your debt, there are many different services offered, some free, some .. (Credit Counseling)

Introduction to Bad Credit

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 Brendan Flushing (August 14, 2008)  Having bad credit basically means that your credit file contains adverse information relating to your financial situation and history, including information such as your repayment habits on bills and debts, any arrears or defaults, any court action relating to financial matters, etc. The information on the credit file then affect your credit rating, which is what lenders look at when .. (Credit Counseling)

Free Copy of My Credit Report - How to Get Your Report Without Paying a Dime

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 Andrew Mason (August 14, 2008)  Obtaining a free copy of your credit report is very important if you believe that there might be some misinformation no there, or if you are going to be working with a financial institution anytime soon. Obviously, the better your credit score is, the lower interest rate you will be paying, and vise versa. Therefore, knowing this info is crucial. Keep in mind that a free instant copy .. (Credit Counseling)

Consumer Credit Counseling Services - The Basics

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 Cole Collins (August 12, 2008)  Credit counseling agencies offer debt management programs that can you get back on track. They exist to help people when they are at their most desperate in their financial situations. Their purpose is to negotiate with your credit card companies to get a lower interest rate on your credit cards. This will ultimately allow you to pay a lesser amount each month and can help you get back .. (Credit Counseling)

Free Credit Repair Advice - Credit Repair Programs

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 Dana B. Smith (August 12, 2008)  Bad credit can make you feel as though you are drowning in a turbulent sea. This is actually quite understandable because in truth credit is like a wild and unpredictable sea. If you want a better credit score, you may want to consider choosing a credit repair program. So what do we mean by a credit repair program? This article will detail the many different credit repair programs. You .. (Credit Counseling)

How to Clear Your Debt and Save Your Credit

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 Nicholas Hunt (July 31, 2008)  Hundreds of thousands of Americans are deep into credit card debt, and with fuel and food costs on the rise, it doesn't look like relief is going to help anytime soon. Tax stimulus checks that were earmarked to jump-start the economy were spent on basic necessities instead. The average amount of credit card debt is over ten thousand dollars, and if cardholders only pay the minimum, it's . (Credit Counseling)

How to Use Credit Counseling For Effective Credit Repair

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 Michael Demarkks (July 31, 2008)  The skill of financial management and budgeting is quite complicated. As with any activity, certain folks are more proficient in this than other people. It is common for everyone to be in debt at some period during their lives. For example, most adults have credit card bills, loans, mortgages, or other financial obligations. If you handle them well, you will be rewarded with an .. (Credit Counseling)

Credit Counseling Choosing a Counseling Agency

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 Edwin M Clark (July 30, 2008)  There are many credit counseling agencies to pick and choose from and knowing what to look for is very important. Reputable credit counseling agency provide their customers with advice on how to take better control of your money and manage your debt. They should be able to provide you with a budget and free educational information packets along with class style financial workshops if .. (Credit Counseling)




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