Are you one of the many Americans out there with a checkbook? Still writing checks to cover purchases when you don’t have the cash on hand to pay for them? Well, you may want to rethink ordering more checks, because many major banks have decided to drop the “R” in “FREE” checking, and will soon [...]
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Continue ReadingWhen you need to fix your credit, knowing the difference between legitimate companies and credit repair scams can help you save your time, money, and most important, your credit rating. Say you’ve just obtained a copy of your credit report. You open it only to discover you don’t have a clue what’s going on in [...]
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Continue ReadingIt seems that the Home-Buyer Tax Credit, the $8000 credit meant for first-time home buyers, attracted more than just cute young couples on the hunt for their first home together. According to an ABC News report, the credit proved extremely popular at your friendly neighborhood prison yard as well. A report issued by the Treasury [...]
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Continue ReadingThose of you on the hunt for a home loan, get ready to jump through a whole new set of hoops to get to your dream house. The mortgage giant Fannie Mae recently unveiled its new Loan Quality Initiative, which forces homebuyers to obtain mortgages based on “refreshed” credit reports, or run the risk of [...]
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Continue ReadingSummer’s finally here, and that means the sun is out, the surf is in, and barbeque grills everywhere are being fired up in preparation. But the rise in warm weather could signal a tidal wave of a different sort for a lot of people – much higher energy bills. That’s right, in order in combat [...]
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Continue ReadingShow of hands, how many people reading this regularly use an ATM card to pay for their purchases? (You don’t really need to raise your hand – I can’t see you.) Now, how many of you have swiped your card only to be greeted with a fee of $2 or $3, just for paying with [...]
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Continue ReadingIf you’re late with payments to creditors there’s a good chance that you’ve already been contacted by a debt collector. It’s probably why you found your way to this webpage. You probably understand that you need debt relief, but what do you do about the debt collectors in the meantime. Sometimes the calls are abusive [...]
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Continue ReadingThis is one of the more common questions that debtors have because it’s a threat that creditors are willing to throw out there. The truth is that it’s illegal for a debt collector to tell you that you’ll be arrested if you don’t pay your debt. However that doesn’t mean that you can’t end up [...]
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Continue ReadingSo you’ve actually decided to stop hoping that your debt will just go away and actually do something about it. Congratulations. If you kept turning a blind eye to your debt problems it would’ve eventually led to lawsuits, wage garnishment or even bankruptcy. However, just because you’ve decided to finally take care of mistakes from [...]
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Continue ReadingIt’s a shame, but credit card debt is steadily becoming the financial norm with more and more American consumers. The majority of every paycheck seems to be going to a credit card company or a collection agency. Many are on the brink of bankruptcy thinking that there’s nowhere else to turn. Where Bankruptcy Falls Short [...]
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