Several states allow individuals to freeze their credit report- which prohibits credit from being issued in their names. While some states, including Texas, Illinois, Washington and Vermont, only allow credit freezes if the individual has already been the victim of identity theft- other states, including California, New York, New Jersey, Louisiana, Maine, North Carolina and Colorado.
Disciplined Saving
More important than the amount of money you save is the consistency with which you save it. Obviously, people who are wealthy and can afford to save large sums of money are going to benefit from larger interest earnings, but for the rest of us- even saving a few dollars on a consistent basis is going to add up over time.
Creditor Negotiations
Most people have found themselves with debt that has gotten out of control at some point in their lives. Before enlisting the services of agencies that specialize in helping consumers get their finances in order, you should attempt a few self debt reduction techniques to see if you can first improve your situation on your own.
Credit Cards Terminology
Credit card terminology these days has become rather complicated and credit card users should understand some of the key terms that are used, and exactly how they influence the charges associated with the cards use. Incentive programs, interest rates, compounding methods all combine to make the use of a credit card a potentially costly experience.
Credit Card Roulette
If you suddenly find yourself drowning amidst a sea of high interest credit card accounts, you may wish to try a few self debt reduction techniques to make your monthly payments easier to manage and go further towards paying what you owe rather than just paying on excessive interest rates.
Credit Counseling And Debt Management Programs
Not all credit counseling services require that consumers participate in a debt management program, and not all consumers who need credit counseling also require a debt management program.
Credit Reports And What To Do With Them
There are three major credit reporting agencies within the United States: Equifax, TransUnion and Experian. These are the organizations that lenders go through to verify potential borrowers credit worthiness.
Certificates Of Deposit (CD’s)
Certificates of Deposit, commonly referred to as CDs, are a cross between an investment and a savings account. CDs have federal deposit insurance up to $100,000- which is what sets it apart from the investment world, but they have much higher interest rates than the traditional savings account.
Beginning Investing: Without Much To Invest!
Is your list of things you wish you could do, but cant afford to do, growing longer? Many people understand the value of investing, and the importance of investing in order to secure their futures, but they dont have much available money that can be used for investing. These people might believe that they are not able to start investing and instead, continue to struggle with the daily living expenses and no plan for their financial future.
A Do-It-Yourself Debt Reduction Program
Need a debt reduction program? You are not alone. Here are 5 tips on reducing debt that you can do right now.
Three Simple Ways To Use My Credit Repair Tips And Save Thousands!
Before I offer you my credit repair information though, I must tell you that not knowing your current debt situation, this solution may not work for everyone. Im not a professional credit counsellor or financial advisor, so by saying this, I wish that you take my tips as a stepping stone…
Easy Credit Repair Done Yourself
We all know that credit is important, but what should we do if we are in need of credit repair? I know if were to find that my credit was in trouble, I would want to solve the problem myself rather than pay someone to do it. Credit repair is a serious thing since your credit determines so much of your life in todays world. Credit can effect your ability to buy a home, rent an apartment, buy a car, or even finance your new washer and dryer. That is why you should take credit …