Credit / Debt Management Sitemap - Page 2
Closing Credit Cards and Your FICO Score
Closing Credit Cards and Your FICO Score
Closing Your Credit Card? Do It the Right Way
Closing Your Credit Card? Do It the Right Way
College Prep: Credit 101
College Prep: Credit 101
College Students are a Credit Card Company's Dream Come True
To credit card companies, college students are walking dollar signs. Before you head back to campus, know the dangers of signing up for a college credit card and find out the right way to get your first credit card.
Colorado Statute of Limitations on Debt
The Colorado statute of limitations on debt limits the amount of debt you can be sued for an overdue debt
Common Credit Card Fees - Annual Fees Late Fees and More
Credit cards aren't free. Find out some of the most commonly charged credit card fees.
Comparing "Free" Credit Report and Score Offers
Comparing
Congress Approves New Credit Card Rules
Congress Approves New Credit Card Rules
Congress Investigating Insurance Use Of Credit Scores
Congress Investigating Insurance Use Of Credit Scores
Congress Taking Action In Subprime Fiasco
Congress Taking Action In Subprime Fiasco
Connecticut State of Limitations on Debt
The Connecticut statute of limitations on debt limits the amount of time you can be sued for an overdue debt
Consumer Bankruptcy - Chapter 7 Bankruptcy - Chapter 13 Bankruptcy - Chapter 11 Bankruptcy - Bankruptcy Discharge
Bankruptcy is the legal process of dealing with your debt with your creditors. Through bankruptcy, you may have your debts discharged, or you may work out a repayment plan with your creditors. Once debts are discharged through bankruptcy, creditors are no longer allowed to collect on them.
Consumer Credit Continues to Rise
Consumer Credit Continues to Rise
Consumer Credit Couseling - How To Choose A Credit Counseling Agency
Before you choose whether to enroll in consumer credit counseling, there are some key criteria to consider. These credit will help you make your decision.
Consumer Credit Drops by $7.5 Billion in February
Consumer Credit Drops by $7.5 Billion in February
Consumer Credit Laws
There are laws in place to protect consumers against unfair credit practices like billing statement errors (FCBA), debt collection (FDCPA), credit repair (CROA), and credit reporting (FCRA).
Consumer Credit Up 7% in January
Consumer Credit Up 7% in January
Consumerist: Credit Score Estimators are Quite Effective
Consumerist: Credit Score Estimators are Quite Effective
Contacting the FTC - How to Contact the Federal Trade Commission
When your rights under any of the several consumer credit laws have been violated, like a FDCPA violation, you should contact the FTC to let them know.
Counterattack Creditors, Credit Bureaus, Collectors, and Credit Repair Orgs
Counterattack Creditors, Credit Bureaus, Collectors, and Credit Repair Orgs
Credit - APR
annual percentage rate
Credit - Average Daily Balance
a method of calculating finance charge
Credit - Finance Charge
cost of credit calculated using the APR and the balance
Credit - Grace Period
the period of time in which credit card payments can be made without interest penalty
Credit - Introduction to Credit
A basic understanding of credit is needed to make the best credit decisions. Find out the definition of credit and learn how lenders decide to give you credit.
Credit - Introductory Rate
an interest rate, usually below-market, offered for the initial billing cycles of the credit card
Credit - Minimum Payment
the minimum amount that must be paid to avoid defaulting
Credit - Over The Limit Fee
fee imposed for exceeding your credit limit
Credit - Revolving Credit
Credit that can be used repeatedly up to a certain limit as long as payments are made
Credit - Universal Default
the lender enforces default terms on a borrower that has defaulted with another lender
Credit - Why You Should Learn First and Use Later
Credit - Why You Should Learn First and Use Later
Credit / Debt Management - Articles
An index of articles for the Credit / Debt Management guide site.
Credit / Debt Management - Before You Buy
An index of Before You Buy Articles for the Credit / Debt Management guide site.
Credit / Debt Management - Credit Repair Improve Credit Score and Pay Off Debt
Credit / Debt Management provides advice and tips on how to establish credit, improve credit scores, and repair bad credit. Readers will gain an understanding of how credit works, how to use credit cards, how to get out of debt, and how to stay out of debt. This page is for everyone who uses credit cards and loans.
Credit / Debt Management - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management - FullReviews
An index of FullReviews for the Credit / Debt Management guide site.
Credit / Debt Management - HowTos
An index of HowTos for the Credit / Debt Management guide site.
Credit / Debt Management - Profiles
An index of Profiles for the Credit / Debt Management guide site.
Credit / Debt Management - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management - StepBySteps
An index of StepBySteps for the Credit / Debt Management guide site.
Credit / Debt Management March 2007 Archive
Credit / Debt Management May 2007 Archive
Credit / Debt Management, - Before You Buy
An index of Before You Buy Articles for the Credit / Debt Management guide site.
Credit / Debt Management, - Before You Buy
An index of Before You Buy Articles for the Credit / Debt Management guide site.
Credit / Debt Management, - Before You Buy
An index of Before You Buy Articles for the Credit / Debt Management guide site.
Credit / Debt Management, - Before You Buy
An index of Before You Buy Articles for the Credit / Debt Management guide site.
Credit / Debt Management, - Before You Buy
An index of Before You Buy Articles for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FAQs
An index of FAQs for the Credit / Debt Management guide site.
Credit / Debt Management, - FullReviews
An index of FullReviews for the Credit / Debt Management guide site.
Credit / Debt Management, - FullReviews
An index of FullReviews for the Credit / Debt Management guide site.
Credit / Debt Management, - FullReviews
An index of FullReviews for the Credit / Debt Management guide site.
Credit / Debt Management, - FullReviews
An index of FullReviews for the Credit / Debt Management guide site.
Credit / Debt Management, - HowTos
An index of HowTos for the Credit / Debt Management guide site.
Credit / Debt Management, - Profiles
An index of Profiles for the Credit / Debt Management guide site.
Credit / Debt Management, - Profiles
An index of Profiles for the Credit / Debt Management guide site.
Credit / Debt Management, - Profiles
An index of Profiles for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - QuickTips
An index of QuickTips for the Credit / Debt Management guide site.
Credit / Debt Management, - StepBySteps
An index of StepBySteps for the Credit / Debt Management guide site.
Credit / Debt Management, - StepBySteps
An index of StepBySteps for the Credit / Debt Management guide site.
Credit / Debt Management, - StepBySteps
An index of StepBySteps for the Credit / Debt Management guide site.
Credit / Debt Management: What is RSS?
Credit / Debt Management What is RSS
Credit 101
If youre new to credit or just looking for a knowledge refresh, Credit 101 is just the overview you need. Learn the basics of credit, why its important, and how to start creating the habits that lead to good credit.
Credit 101
An introduction to credit that walks you through understanding the importance of credit and teaches you how to build a solid credit history.
Credit 101 - Starting Out With Credit - Tips For Credit Card Beginners
Tips for first time credit card users
Credit Bureau
an agency that collects, maintains, and sells individual credit information in the form of a credit report
Credit Card - Balance Transfer
the process of moving credit card debt from one credit card to another
Credit Card Basics
A basic knowledge of credit cards is important for using them responsibly. Learn the key credit cards terms, the different types of cards, and how to choose a card.
Credit Card Billing - Understanding The Credit Card Billing Process
Get a better understanding of how the credit card billing process works from making purchases to making payments.
Credit Card Billing Error? Put It In Writing
Credit Card Billing Error? Put It In Writing
Credit Card Billing Error? Put It In Writing
Credit Card Billing Error? Put It In Writing
Credit Card Cash Advances - Take out a Cash Advance Without Plummeting Into Debt
Taking out a cash advance on your credit card is risky, expensive, and carries the potential for debt. Find out the right way to take out and repay a credit card cash advance.
Credit Card Charge Off - How To Avoid A Charge-Off
A charge-off is one of the worst things that can happen to your credit report. Find out how to avoid a charged-offs credit report entry.
Credit Card Closed Due to Inactivity - Account Cancelled By Credit Card Issuer
If you haven't used your credit card in awhile, here's why your credit card issuer might close your account and what you can do about it.
Credit Card College Prep
Credit Card College Prep
Credit Card Debt - 10 Signs You're Headed For Credit Card Debt
Recognizing the signs of credit card debt gives you the ability to manuever away from debt before you get in too deeply.
Credit Card Debt Down In April
Credit Card Debt Down In April
Credit Card Debt Isn't Age-Specific
Credit Card Debt Isn't Age-Specific
Credit Card Debt at Six-Month High
Credit Card Debt at Six-Month High
Credit Card Delinquencies Are Increasing
Credit Card Delinquencies Are Increasing
Credit Card Fair Fee Act of 2008 - H.R. 5546
A bill proposed by Rep. John Conyers (D-Mich) and Rep. Chris Cannon (R-Utah) that would allow businesses to negotiate their credit card transaction fees.
Credit Card Fees and How To Avoid Them
Credit Card Fees and How To Avoid Them
Credit Card Fraud - Tips To Avoid Credit Card Scams
Identity thieves will stop at nothing to get access to your personal information. Learn how to keep your information safe from thieves.
Credit Card Incentives For Student Applicants May Be Halted
Credit Card Incentives For Student Applicants May Be Halted
Credit Card Late Fee - What is a Late Fee - Late Fee Definition
A late fee is a fee imposed when your payment is received after the due date.
Credit Card Minimum Payment - One Dollar Minimum Payment Myth
Ever been given this advice "Send at least one dollar to your credit card company. They can't sue you as long as you send something - anything"? Unless your credit card minimum payment is one dollar, this advice is wrong!
Credit Card Minimum Payment Increase - Dealing With a Minimum Payment Increase
Chase recently announced a minimum payment increase to some credit cardholders. More card issuers could follow. Here's what you can do about an increased minimum payment.
Credit Card Payments - When You Can't Make Your Minimum Credit Card Payment
There may come a month when you don't have enough money to make your credit card minimum payment. Find out what you can do to maintain your credit score, interest rate, and relationship with your creditor.
Credit Card Piggybacking
Credit card piggybacking happens when you're added as an authorized user to someone else's credit card account, usually for the sole purpose of getting a better credit score.
Credit Card Processing via Mobile Phone
Credit Card Processing via Mobile Phone
Credit Card Rates Lowest in Two Years
Credit Card Rates Lowest in Two Years
Credit Card Scam Warning
Credit Card Scam Warning
Credit Card Scams - Credit Card Shaving - Identity Theft
Credit card shaving involves a thief shaving the credit card number from a pre-paid credit card and replacing it with a stolen credit card number.
Credit Card Settlement Scam - Class Action Lawsuit Scam
In this scam, callers receive a phone call or email about a class-action settlement. The caller is alerted that a fee is required to receive their portion of the settlement.
Credit Card Thieves Donating To Charities
Credit Card Thieves Donating To Charities
Credit Cardholder's Bill of Rights Passed in House
Credit Cardholder's Bill of Rights Passed in House
Credit Cards - Dos And Don'ts Of Using Credit Cards Wisely
Guidelines for using credit cards the right way. Learn the way to use - and not to use - your credit card.
Credit Cards - How To Use Them Responsibly
Credit Cards - How To Use Them Responsibly
Credit Cards - When Your Credit Card Is Lost Or Stolen
Missing credit cards should be reported as quickly as possible to reduce your liability. Find out what steps you should take when your credidt card has been lost or stolen.
Credit Cards For Rebuilding Credit - Find Credit Cards Based On Your Credit Score
Score Match lists credit cards based on your credit score.
Credit Cards Mailing Fewer Offers
Credit Cards Mailing Fewer Offers
Credit Cards for Those Without A Social Security Number
Credit Cards for Those Without A Social Security Number
Credit Cards: Use 'Em or Lose 'Em
Credit Cards: Use 'Em or Lose 'Em
Credit Checks - 5 Ways to Prepare for a Credit Check
Many businesses do a credit check when you make an application. You can prepare for a credit check by doing a few important things.
Credit Crunch Definition - What is a Credit Crunch
a period of time when credit has suddenly become costly or difficult to obtain, usually both
Credit Inquiries And Your Credit Score
Not all credit report inquiries have an effect on your credit score. Learn the different inquiries and what they mean for your credit.
Credit Inquiry - What is a Credit Report Inquiry
A credit inquiry is an entry on a credit report that shows a business has requested a copy of the report.
Credit Limit
the maximum amount that can be borrowed on a credit card without penalty
Credit Limits May Decrease Following Subprime Credit Crunch
Credit Limits May Decrease Following Subprime Credit Crunch
Credit Management - An Overview Of Consumer Credit Counseling
Consumer credit counseling is a viable option for managing your debt. Learn more about consumer credit counselong to determine if will work for you.
Credit Management Overview - Essential Things To Know About Credit
A list of 10 important things every consumer should know about credit
Credit Monitoring and Identity Theft - Is Credit Monitoring Worth It
The rise of identity theft has also sparked interest in credit monitoring services. Credit monitoring aids in early detection of identity theft, allowing you to quickly respond to suspicious changes in your credit.
Credit Repair
The effects from damaged credit can be far reaching. When it comes to credit repair it's hard to know where to go or how to start. Here youll find the information you need to start mending the blemishes in your credit.
Credit Repair
The good thing about bad credit is that it can be fixed. Find out what's bad and what's good for your credit and how to recover from your credit mistakes.
Credit Repair - Can You Buy Better Credit
An increasingly popular way of repairing your credit involves buying positive credit history from other consumers. How effective is this? Is it a viable way to repair your credit?
Credit Repair - Dispute Inaccurate Information
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair - Establish New Credit
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair - Order Your Credit Report
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair - Pay Off Past Due Accounts
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair - Reduce Maxed Out Balances
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair - Review Your Reports
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair - Using Secured Credit To Rebuild Damaged Credit
If youve run into financial difficulty that resulted in damaged credit, you might find it hard to obtain new credit. A secured credit card can help you improve re-establih your credit.
Credit Repair Checklist - How to Fix a Bad Credit Report
The specific steps to credit repair depends on what's on your credit report. Here are some of the most common credit blemishes and information on fixing them.
Credit Repair Debt Collection - Remove Debt Collections From Your Credit Report
Having a debt collection on your credit report hurts your credit score. Since collection accounts stay on your credit report for seven years, your best option to repair your credit is to have it removed.
Credit Repair Organizations Act - An Overview of the Credit Repair Law
The Credit Repair Organization Act was put in place to protect consumers from unscrupulous practices by organizations who claim to repair credit. The Act seeks to ensure that consumers who decide to use credit repair services are aware of their rights and are able to make an informed decision about choosing to pay a credit repair company.
Credit Repair Tips
There is nothing a credit repair company can do to fix your credit that you can't do yourself. Save your money and repair your credit yourself.
Credit Repair Tips - 15 Reasons You Should Repair Bad Credit
You can almost make without having good credit, so why should you spend anytime on credit repair? Here are 15 reasons you should repair your credit.
Credit Repair Tips - 15 Reasons You Should Repair Bad Credit
You can almost make without having good credit, so why should you spend anytime on credit repair? Here are 15 reasons you should repair your credit.
Credit Repair of Charge-Offs Accounts - Remove a Charge Off From Your Credit Report
A credit card charge-offs is one of the worst things that can happen to your credit. When you're working on credit repair, taking care of charged-off accounts helps improve your credit score.
Credit Report - Account History
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Credit Inquiries
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Credit Inquiries
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Credit Summary
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Personal Information
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Personal Information
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Public Records
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report - Public Records
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report Definition - What is a Credit Report?
A credit report is a detailed record of your credit history. Your credit report is maintained by companies known as credit reporting agencies or credit bureaus.
Credit Report Dispute Process - What Happens When You Submit a Credit Report Dispute
The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute errors on their credit report. Once you submit your dispute the credit bureau has certain steps to follow.
Credit Report Disputes - How To Submit A Credit Report Dispute
You can remove credit report errors by submitting a a credit report dispute to the credit bureaus. Find out how to submit a credit report dispute to clean up your credit report.
Credit Report FAQ - Can I remove debt collections from my credit report
Can I remove debt collections from my credit report? Find out if you can remove collections from your credit report.
Credit Report FAQ - Do I have to pay a charge-off
When your credit card balanced gets charged-off, are you still responsible for paying it? The answer is yes.
Credit Report FAQ - Does my spouse's information appear on my credit report
When you're married, does your spouse's information appear on your credit report and vise versa? Find out.
Credit Report FAQ - Frequently Asked Questions About Credit Reports
Answers to frequently asked questions about credit reports like how to order a free credit report and how long negative information remains on your credit report.
Credit Report FAQ - How can I contact the credit bureaus
Contact information for the three major credit bureaus.
Credit Report FAQ - How can I fix mistakes on my credit report
How can I remove inaccurate information from my credit report? Dispute it with the credit bureaus.
Credit Report FAQ - How can I get a free credit report
Can you get a free credit report? Yes. Find out how.
Credit Report FAQ - How long until an item shows up on my credit report
How long until an item shows up on my credit report? It depends.
Credit Report FAQ - How often should I check my credit report
How many times a year should you be checking your credit report? At least once, possibly more.
Credit Report FAQ - Is my credit score hurt when I check my credit report?
Find out how viewing your own credit report affeects your credit score?
Credit Report FAQ - What are the three credit bureaus
There are three insitutions - credit bureaus - that compile your credit report information.
Credit Report FAQ - What does "account closed at grantor's request" mean?
On your credit report, some accounts might read "account closed at grantor's request" or "account closed by grantor." This means your credit card issuer, for some reason, had your account closed.
Credit Report FAQ - What does my credit report have to do with my credit score
You have a credit report and your credit score, most of which lenders look at and use. What does one have to do with the other?
Credit Report FAQ - What information is included in my credit report
Find out what is included in your credit report.
Credit Report FAQ - What is a charge-off
Ever see the words "charge-off" on your credit report and wonder what they mean? When your account has been charged off, it's the creditor's way of saying it doesn't believe you're going to repay the balance.
Credit Report Payment History
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Report Security Freeze Can Protect Your Identity
Credit Report Security Freeze Can Protect Your Identity
Credit Report and Credit Score Overview
Your credit history is compiled in a single credit report and used to calculate your credit score. Learn your credit report and score affect you as a consumer.
Credit Report and Scoring
Want to know how creditors decide whether or not to approve your credit card application? Credit Report & Scoring explains your credit report and score, how they are maintained, and how you can obtain them both. Here, youll also learn how to fix errors in your credit report and improve your credit score.
Credit Reporting Time Limit- How long does negative information stay on my credit report
How long does negative information stay on my credit report? The credit reporting time limit keeps negative information on your credit report for a minimum of seven years, with some exceptions.
Credit Reports - Correcting Mistakes
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Reports - How To Read And Understand Your Credit Report
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Reports - How To Read And Understand Your Credit Report
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
Credit Score Calculation - What's Not in Your Credit Score - FICO Score Calculation
There are specific things that influence your credit score - and specific things that don't. Learn the things that won't affect your credit score
Credit Score Definition - What is a Credit Score
Your credit score is a numerical summary of the information contained in your credit report.
Credit Score FAQ - Frequently Asked Questions About Credit Scores
Answers to frequently asked questions about credit scores like how to improve your credit score, how your credit score is calculated, and what things hurt your credit score.
Credit Score FAQ - How is my credit score calculated?
Your credit score is calculated using five pieces of information: payment history, amount of debt, age of credit, mix of credit, and credit inquiries.
Credit Score FAQ - What is a FICO score?
The FICO score is a branded credit score developed by Fair Isaac Corporation.
Credit Score FAQ - Why are my credit scores from each credit bureau different?
Different credit bureaus have different information in your credit report which can make your credit scores different at each.
Credit Score Quiz
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Credit Score Quiz Results - About Credit/Debt Management
Thanks for taking our quiz about credit scores.: sans serif font quiz test quiz results document url credit score
Credit Scores - When Balances Go Up, Credit Scores Go Down
Your credit card balances have a direct impact on your credit score. The higher your balances, the lower your credit score will be. Learn how high balances affect your credit score.
Credit Scores - Why You Have Different Credit Scores
Find out why you may have a different credit score at each credit bureau.
Credit Utilization Ratio - Debt-to-Credit Ratio
Credit utilization is the ratio of your credit card debt to credit limits. It has the second biggest influence on your credit score.
Credit and Debt Glossary
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit and Debt News Roundup 5/27/09
Credit and Debt News Roundup 5/27/09
Credit and Debt News Roundup 6/24/09
Credit and Debt News Roundup 6/24/09
Credit and Debt News Roundup 6/9/09
Credit and Debt News Roundup 6/9/09
Credit and Debt on TV - Maxed Out on the Style Network - Debt Reduction Resources
Allison Griffiths helps couples recover from financial disasters including overspent budgets and overwhelming debt.
Credit and Debt on TV - The Suze Orman Show on CNBC - Credit and Debt Resources
The Suze Orman Show focuses on financial freedom for watchers. Watch each week as the financial guru gives financial - including credit and debt - advice.
Credit.com Credit Report Card Review - Review of the Credit Report Card
Credit.com launches a free credit report card that grades consumers on their credit report. The interactive tool helps consumers understand just where their credit report stands.
Credit.com's Credit Report Card
Credit.com's Credit Report Card
Credit/Debt 2009 New Year's Resolutions
Most New Year's resolutions involve improving health or getting rid of a bad habit. Don't forget about improving your financial health and your bad credit habits in the new year.
Credit/Debt Management Glossary - Annual Fee Definition
a yearly fee, usually ranging from $15 to $300, charged by the credit card company for the convenience of the credit card
Credit/Debt Management Glossary - Application Fee Definition
the fee charged by a credit card company or bank for processing your application for credit
Credit/Debt Management Glossary - Bankruptcy Definition - What Is Bankruptcy
a legal process in which a debtor asks the court for relief from its creditors and lenders
Credit/Debt Management Glossary - Cash Advance Definition - What Is A Cash Advance
cash borrowed against your credit card balance
Credit/Debt Management Glossary - Cash Advance Fee Definition
the fee imposed when you take out a cash advance against your credit limit.
Credit/Debt Management Glossary - Charge Card Definition - What Is A Charge Card
a credit card without a credit limit requiring the balance to be paid in full at the end of each month
Credit/Debt Management Glossary - Charge-Off Definition - What Is A Charge-Off
debt that has been determined uncollectible by the original creditor, usually after the debtor has become seriously delinquent
Credit/Debt Management Glossary - Credit Card Billing Statement Definition - What Is A Billing Statement
a statement listing the purchases, payments and other debits and credits made to the credit card account within the billing cycle
Credit/Debt Management Glossary - Credit Utilization Definition - What Is Credit Utilization
the amount of credit purchasing power you have, accounts for 30% of your credit score.
Credit/Debt Management Glossary - Daily Rate - What is a daily rate
The daily rate is 1/365th of your annual percentage rate
Credit/Debt Management Glossary - Default Rate - What is a Default Rate
The default rate is the highest interest rate charged by a creditor or lender
Credit/Debt Management Glossary - Foreclosure Definition - What Is Foreclosure
a legal proceeding in which the bank can take possession of and sell a mortgaged property when the borrower does not meet his or her contractual obligations
Credit/Debt Management Glossary - Garnished Wages Definition - What Is Wage Garnishment
a court order for an employer to withhold a certain amount of employee's wages as repayment for debt
Credit/Debt Management Glossary - Index of A, B, C Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of D, E, F Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of G, H, I, J Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of K, L, M, N Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of O, P, Q, R Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of S, T, U, V Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of W, X, Y, Z Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Judgment Definition - What Is A Judgment
a court order to pay a certain amount of money to someone who has filed a lawsuit against you
Credit/Debt Management Glossary - Prime Borrower Definition
the group or borrowers thought to be the the most credit-worthy and worthy of borrowing at the market interest rate
Credit/Debt Management Glossary - Statute of Limitations - What is the Statute of Limitations
the amount of time a creditor or third-party debt collector can sue you for a debt
Credit/Debt Management Glossary - Student Loan Default Definition - What Is Student Loan Default
a state of delinquency on student loans occurring after you have violated the terms of your contract, e.g. have not made a payment or arrangements for at least 270 days.
Credit/Debt Management Glossary - Subprime Borrower Definition
a segment of borrowers that do not qualify for market interest rates because of bad credit history
Credit/Debt Management Glossary - Tax Lien Definition - What Is A Tax Lien
the right, usually by the county, state, or federal government, to take possession of property due to a delinquency on taxes.
Credit/Debt Managent Glossary - Non-Revolving Credit Definition - Definition of Closed Ended Credit
Credit that cannot be used after payment.
Credit/Debt New Year's Resolutions
Credit/Debt New Year's Resolutions
Credit/Debt New Year's Resolutions
Credit/Debt New Year's Resolutions
Currency Conversion Fee Settlement - Is CCF Settlement a Scam
In late 2007, many consumers received letters that they were entitled to part of a settlement resulting from a lawsuit. Is the CCF Settlement a scam?
Daily Balance Finance Charge Calculation Method
The daily balance method of calculating finance charges uses the actual balance each day in the billing cycle.
Dateline Covers Debt Collectors This Friday
Dateline Covers Debt Collectors This Friday
Dealing With a Credit Limit Cut
When your credit card issuer cuts your credit limit, it puts your credit score in jeopardy. Find out how you can respond to a credit limit cut.
Debt Collection
Annoyed by debt collectors? Even though you may owe money, you still have rights as a consumer. Exercise these rights and protect yourself by learning which debt collection practices are fair and which ones are not.
Debt Collection - Reporting FDCPA Violations
The Fair Debt Collection Practices Act has strict guidelines about what debt collectors can and cannot do. As a consumer, its important that youre aware of these guidelines, even if you dont have any accounts that are currently in collections.
Debt Collection - When Can Debt Collectors Call - FDCPA
Debt collectors seem to call at the most inconvenient times, don't they? What times are debt collectors really allowed to call you?
Debt Collection Statute of Limitations Whats the Statute of Limitations On Debt
The statute of limitations on a debt keeps debt collectors from collecting on it forever. The limit varies by state and depends on the account's last date of activity.
Debt Collector Calls on Your Cell Phone
Debt Collector Calls on Your Cell Phone
Debt Collector Fined $2.25 Million for Harassing Consumers
Debt Collector Fined $2.25 Million for Harassing Consumers
Debt Collectors Can't Put You In Jail For Debt
Debt Collectors Can't Put You In Jail For Debt
Debt Collectors Have Rules to Follow
Debt Collectors Have Rules to Follow
Debt Collectors Sending Bills? Make Them Prove You Owe
Debt Collectors Sending Bills? Make Them Prove You Owe
Debt Collectors and the Do Not Call Registry
Debt Collectors and the Do Not Call Registry
Debt Consolidation - Five Ways to Consolidate Debt
When your debt is spread out among several different credit cards, paying it off can be a long process. If you consolidate debt, you can combine your debt paying efforts and pay off your debt quicker.
Debt Consolidation Loans - Paying off Debt With a Debt Consolidation Loan
If you've managed to accumulate a large amount of debt, you may have considered a debt consolidation loan to give you some relief. With a debt consolidation loan, you combine all your high interest rate debts into a single, lower interest rate loan.
Debt Consolidation Might Be Your Solution
Debt Consolidation Might Be Your Solution
Debt Declines for the First Time Ever
Debt Declines for the First Time Ever
Debt Management
Debt management is an important skill for anyone who owes someone else. Understanding your options for managing debt will help you stay in control of your debt rather than letting it control you.
Debt Management - The Dangers of Debt Settlement
Even though debt settlement may promise to reduce your debt, they can't promise to keep your credit in tact at the same time. Find out how debt settlement works and why it may not be the best solution.
Debt Management Company Watch Outs - Debt Settlement - Debt Consolidation
Know what to stay away from when you're choosing a debt settlement, debt consolidation, or consumer credit counseling agency.
Debt Management Solutions
You dont have to face your debt on your own. There are several professional organizations that work with consumers to reduce or even eliminate their debts. Debt Management Solutions explains the various debt agencies and helps you determine the right one for you.
Debt Settlement Alternatives - Debt Negotation Options
While debt settlement may sound like a good way to pay off your debt, it can devastate your credit for seven years. Look at some debt settlement alternatives before hiring a debt settlement company.
Debt Settlement Is Not The Best Solution
Debt Settlement Is Not The Best Solution
Debt Settlement Is Not The Best Solution
Debt Settlement Is Not The Best Solution
Debt To Income Ratio Calculation - How To Calculate Your Debt To Income Ratio
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.
Debt To Income Ratio Definition - What is Debt-To-Income Ratio
Your debt-to-income ratio is the percentage of your income that goes toward paying your debt.
Debt Validation - Making Collectors Verify Alleged Debts
Debt validation is your right to have the debt collectors prove you owe what they say you owe. If the collector can't validate the debt, they can't collect from you.
Debt Validation - Sample Debt Validation Letter for Debt Collectors
Debt validation requests should be made in writing. Here is a sample debt validation letter you can send to collectors.
Debt Validation FAQ - Questions About Debt Validation - FDCPA
Debt validation is how you get debt collectors to prove you owe them the debt. Get answers to common questions about how debt validation works.
Debt to Income Ratio Calculator - Calculate Your Debt to Income Ratio
Use this free debt-to-income ratio calculator to tell whether you have too much debt.
Declare Your Independence From Debt!
Declare Your Independence From Debt!
Delinquencies Reach The Credit Card Industry
Delinquencies Reach The Credit Card Industry
Despite the Credit Crunch, Student Credit Card Debt is Overwhelming
Despite the Credit Crunch, Student Credit Card Debt is Overwhelming
Determine How Much You Can Pay
Successful debt reduction starts with a plan. Learn how to put together a plan to get out of debt, decide which debts to focus on, and how to create a budget to get out of debt.
Different Credit Scores?
Different Credit Scores?
Discretionary Income - What Is Discretionary Income
income left after taxes and necessary expenses have been paid
Disposable Income - What is Disposable Income
income left after taxes have been paid
Do I Still Owe After the Statute of Limitations Has Expired
Even though the statute of limitations has expired on a debt, you are still legally responsible for paying the debt. However, the creditor or collector no longer has the liberty of using the court to force you to pay.
Do Medical Collections Affect Your Credit Score?
Do Medical Collections Affect Your Credit Score?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have Too Much Debt?
Do You Have Too Much Debt?
Do You Have Too Much Debt?
Do You Have Too Much Debt?
Do You Love Your Friends And Family?
Do You Love Your Friends And Family?
Do You Need a Credit Card To Build Credit?
Do You Need a Credit Card To Build Credit?
Do You Qualify for Free Credit Monitoring Under the TransUnion Settlement?
Do You Qualify for Free Credit Monitoring Under the TransUnion Settlement?
Do You Really Need Credit?
Do You Really Need Credit?
Do credit card issuers have to notify me before increasing my interest rate - Interest Rate Increase Notice
Credit card companies have the right to increate your interest rate, even if it's a "fixed" rate. But they don't always have to notify you before increasing your interest rate.
Does Checking Your Credit Hurt Your Score?
Does Checking Your Credit Hurt Your Score?
Does Cupid Check Credit?
Does Cupid Check Credit?
Does Your Credit Need a Diet?
Does Your Credit Need a Diet?
Does a Bad Credit Score Make You a Bad Driver?
Does a Bad Credit Score Make You a Bad Driver?
Don't Close That Card!
Don't Close That Card!
Don't Let Your Credit Card Choose You
Don't Let Your Credit Card Choose You
Don't Wait on the Feds For Your Bailout
Don't Wait on the Feds For Your Bailout
Double-Cycle Billing - Double Billing Cycle Finance Charges Revealed
Explains the double billing cycle method of computing finance charges and demonstrates how it can be more costly for cardholders who want to pay their balance off quickly.
Easier Credit Terms From Two Big Issuers
Easier Credit Terms From Two Big Issuers
Emergency Fund - Build an Emergency Fund to Fend Off Debt - How to Build an Emergency Fund
Without an emergency reserve of cash, you'll feel forced to use credit cards or loans to cover unexpected expenses. Build an emergency fun to avoid credit card debt.
Emergency Funds Are Heroes in Face of Disaster
Emergency Funds Are Heroes in Face of Disaster
Ending Balance Method of Calculating Finance Charges
The ending balance method of calculating your finance charge uses the balance at the end of the billing cycle.
Equifax Credit Report - How to Manage Your Equifax Credit Report
Managing your Equifax credit report is important to ensure that creditors and lenders who check that report get the most accurate information for you. Learn how to manage your Experian credit report.
Essential Credit and Debt Terms to Know
The lingo used in the finance world sometimes seems like a foreign language. Here are some terms that will help you translate commonly used credit and debt terms.
Estimate Your Credit Score For Free
Estimate Your Credit Score For Free
Estimate Your Credit Score For Free
Estimate Your Credit Score For Free
Even Cities Are Filing for Bankruptcy
Even Cities Are Filing for Bankruptcy
Even During a Crisis, Payday Loans Are Still a Bad Idea
Even During a Crisis, Payday Loans Are Still a Bad Idea
Even Libraries Use Collection Agencies
Even Libraries Use Collection Agencies
Everyday Credit Issues
After you've been using credit for some time, youre sure to have questions that are more difficult to answer. Get answers to some of your toughest credit questions here.
Ex-Credit Counseling Agency Customers to Get Settlement Checks
Ex-Credit Counseling Agency Customers to Get Settlement Checks
Experian Credit Report - How to Manage Your Experian Credit Report
Managing your Experian credit report is important to ensure that creditors and lenders who check that report get the most accurate information for you. Learn how to manage your Experian credit report.
FACT Act - The Fair and Accurate Credit Transactions Act of 2003
The Fair and Accurate Transactions Act of 2003, or FACT Act, amended the Fair Credit Reporting Act to help consumers fight identity theft. The FACT Act gave consumers the right to a free credit report every year.
FCBA Disputing Credit Card Charges Correcting Credit Card Billing Errors
The Fair Credit Billing Act, FCBA, gives you the right to have credit card billing errors corrected. Find out how to properly respond to incorrect credit card charges.
FICO Score Definition - What is a FICO Score
A FICO score is a brand-version of your credit score developed by and named after FICO (formerly known as the Fair Isaac).
FICO Score Estimator Review - Review of myFICO FICO Score Estimator
Review of the free FICO score estimator found on www.myfico.com
FICO Scores - 15 Things That Hurt Your Credit Score
Your credit score is an important number. It's how creditors and lenders quickly decide if you are creditworthy. Even though there are quite a few things that can hurt your credit score, those that occurred most recently have the greatest effect on your score. Once activity falls off your credit report, it no longer effects your credit score. In the meantime, these 15 things will cause some damage to your credit score if they appear on your credit report.
FICO Scores - 15 Things That Hurt Your Credit Score
Your credit score is an important number. It's how creditors and lenders quickly decide if you are creditworthy. Even though there are quite a few things that can hurt your credit score, those that occurred most recently have the greatest effect on your score. Once activity falls off your credit report, it no longer effects your credit score. In the meantime, these 15 things will cause some damage to your credit score if they appear on your credit report.
FICO Will Keep Authorized User Accounts
FICO Will Keep Authorized User Accounts
FICO, FAKO... What Are All These Credit Scores?
FICO, FAKO... What Are All These Credit Scores?
FTC Goes After 33 "Credit Repair" Agencies
FTC Goes After 33
FTC Stops Debt Reduction Scheme
FTC Stops Debt Reduction Scheme
FTC Sues Credit Card Company CompuCredit for Deceptive Marketing Practices
The Federal Trade Commission sues credit card marketer for deceptive marketing practices. On June 10, 2008 the suit was failed against CompuCredit and subsidiary, Jefferson Capital for false advertising.
FTC Sues Subprime Credit Card Company, CompuCredit
FTC Sues Subprime Credit Card Company, CompuCredit
FTC To Change Consumers' Credit Bureau Complaint Process
FTC To Change Consumers' Credit Bureau Complaint Process
FTC's 2008 FDCPA Report - Summary of Debt Collection Complaints in 2007
The FTC report on debt collection complaints received in 2007.
Facing Foreclosure? There's Hope for Homeowners
Facing Foreclosure? There's Hope for Homeowners
Fair Credit Reporting Act - FCRA - What Is The FCRA
The Fair Credit Reporting Act is a federal law that details how consumer credit information can be collected, given out, and used
Fair Debt Collection Practices Act Profile - FDCPA Background - Fair Debt Collection Law
Debt collectors aren't free to take whatever means necessary to collect a debt. In fact, they are governed by federal laws. Being aware of these laws helps protect you from the unscrupulous practices of certain debt collectors.
Fair Isaac Changes Its Name to FICO
Fair Isaac Changes Its Name to FICO
Federal Interest Rate Cut - Taking Advantage of Lower Interest Rates
When the Feds cut interest rates, it could be good news for paying off your credit cards and loans. Find out how to take advantage of lower interest rates.
Feds Cracking Down on Credit Cards
Feds Cracking Down on Credit Cards
Fight Identity Theft - Place a Fraud Alert on Your Credit Report
If you have been or fear you could be a victim of identity theft, putting a fraud alert on your credit report with the credit bureaus can prevent further damage to your identity.
Find an Apartment After Foreclosure
Find an Apartment After Foreclosure
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
First Comes FICO, Then Comes Love
First Comes FICO, Then Comes Love
First Time Credit Card - Four Ways To Get Your First Credit Credit - No Credit Credit Cards
It can be tough finding that first credit card. Don't worry, there are many credit card companies who are willing to give credit to first timers.
Five Principles of Making Credit Card Payments
Five Principles of Making Credit Card Payments
For $99 TurboCredit Can Do What You Can For Free
For $99 TurboCredit Can Do What You Can For Free
Foreclosure Filings up 53% - What You Can Do to Keep Your House
Foreclosure Filings up 53% - What You Can Do to Keep Your House
Free Credit Monitoring After TransUnion Lawsuit Settlement
Free Credit Monitoring After TransUnion Lawsuit Settlement
Free Credit Report Scam - Avoid Paying for Your Free Credit Report
Late-night commercials sing about free credit reports, but those reports aren't actually free. There are many free credit report scams and only one way to get your free annual credit report without using a credit card.
Free Credit Reports - How To Get A Free Credit Report - Ordering Your Annual Credit Report
Step by step instructions for ordering a a free credit report granted by the Fair and Accurate Credit Transaction Act
Free Credit Reports - Six Ways to Get Your Credit Report Free
Learn six ways you can get your credit report free, without having to pay for it.
Free Credit Scores - Review of CreditKarma.com Free Credit Score Site
Credit Karma offers free credit scores. Learn how you can access your score through the site.
Free Debt Help On Monday 5/5
Free Debt Help On Monday 5/5
FreeCreditReport.com Review - Is FreeCreditReport.com a Scam?
You've heard the late-night jingles about going to freecreditreport.com. Is it a scam or do you really receive a free credit report?
Frozen HELOCs Won't Hurt Your Credit Score
Frozen HELOCs Won't Hurt Your Credit Score
GE Money Loses Customers' Personal Information
GE Money Loses Customers' Personal Information
GE Money Loses Customers' Personal Information
GE Money Loses Customers' Personal Information
GM Makes it Easier to Get a Car Loan
GM Makes it Easier to Get a Car Loan
Gas Stations May Stop Taking Credit Cards
Gas Stations May Stop Taking Credit Cards
Gas Stations May Stop Taking Credit Cards
Gas Stations May Stop Taking Credit Cards
Georgia Statute of Limitations on Debt
The statute of limitations on debt in Georgia puts a time limit on the amount of time you can be sued for a debt.
Get Debt Free - Declare Your Independence From Debt
Debt will continue to plauge your life until you do something about it. Here are the steps to take to get out of debt and stay out.
Get Rewarded For Using Your Credit Card
Find out about the different rewards offered by credit cards and how to decide which reward program is best for you.
Get Rid of Collection Entries On Your Credit Report
Get Rid of Collection Entries On Your Credit Report
Get a Free Credit Score, No Credit Card Required
Get a Free Credit Score, No Credit Card Required
Get out of Debt - 5 Stupid Ways to Pay Off Your Debt
The easiest way to recognize a “stupid” debt repayment method is to think about whether the debt is actually paid off when the method’s complete. Here are some of the worst (and most costly) ways to “pay off” your debt.
Get out of Debt - 5 Ways to Lower Your Debt Payments
If your debt looks like a mountain and your budget feels like a shovel,at least one of these, possibly two or three, will work in your favor and help you get those debt payments to a manageable level.
Get out of Debt Plan - How to Make a Budget for Getting out of Debt
Making a budget is the first step to paying off your debt. You won't be able to get out of debt and stay out if you're not good at managing your money.
Getting Rid of Credit Report Errors
Getting Rid of Credit Report Errors
Getting a Loan Without Credit
Getting a Loan Without Credit
Good Credit - 5 Ways to Build a Good Credit History
Your credit history affects everything from buying a home to financing your education and even getting a job. Learn how to build a good credit history starting with your first credit card.
Good Credit's Your New BFF
Good Credit's Your New BFF
Good Debt vs. Bad Debt - Which Debt Do You Owe
Did you know there was a such thing as good debt? There's a big difference between good debt and bad debt. How much of each are you carrying?
Good Spenders May Get a Credit Score Boost
Good Spenders May Get a Credit Score Boost
Has the Credit Crisis Affected You?
Has the Credit Crisis Affected You?
Have You Considered Consumer Credit Counseling?
Have You Considered Consumer Credit Counseling?
Have You Seen Maxed Out?
Have You Seen Maxed Out?
Have You Started Saving For Christmas?
Have You Started Saving For Christmas?
Hawaii Statute of Limitations on Debt
The statute of limitations on debt in Hawaii puts a time limit on the amount of time you can be sued for a debt.
Health Care Credit Cards - For Medical Bills Only
Health Care Credit Cards - For Medical Bills Only
Help! I Don't Understand My Credit Report
Help! I Don't Understand My Credit Report
High Debt to Income Ratio - How to Lower a High Debt-to-Income Ratio
As your debt-to-income ratio rises above 36%, you risk becoming overloaded with debt. Find out how you can lower your debt to income ratio and ease your financial burden.
Higher Credit Card Fees - Should You Cancel?
Higher Credit Card Fees - Should You Cancel?
Holiday Gift To Yourself - Less Credit Card Mail
Holiday Gift To Yourself - Less Credit Card Mail