Debt-Relief Grants: Facts in the Fiction
Federally funded grants that can be applied toward alleviating consumer debt is as real as the leprechaun sighted in Mobile, Alabama in 2006.
There is Only One Government Program for Credit Card Debt Relief
The ads say that government grants and programs provide credit card debt relief. There is however only one government program in place.
What Credit Scores are Subprime?
It's obviously below prime, but it isn't permanent if you handle it carefully.
How to Lower Your Credit Card Interest Rate
A little elbow grease goes a long way to improving your finances.
Debt Resolution Options to Consider When Over your Head in Debt
Each option has pros and cons to consider, and some are much better than others.
What are the Costs of Debt Settlement?
Debt settlement sure sounds appealing if you believe all of the advertisements from debt settlement companies.
Repair Your Credit: A DIY Guide
There is not much scarier than having bad credit and needing to borrow money.
What are Credit Bureaus and What Do they Do?
Credit bureaus might influence whether you get a loan or a job.
Credit Card Bubble
Creditors, struggling to turn a profit, are cutting lines of credit and taking to predatory practices of manipulating rates and fees.
Amount Past Due on Accounts
This is one of the most severe credit bureau risk factors of payment history that are used to calculate your credit scores.
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Bradley Songer


Bradley-Songer.jpg“His eyes are open”, the doctor declared astounded. I was born into this world on Memorial Day, May 30th, 1991, with bright, blue and curious eyes wide open. The attending physician stated that having one’s eyes open at such a young point in time for a newborn was a rare occurrence. Days became weeks that turned into years. Almost instantaneously, I seemed to be entering elementary school. At an early age I found reading, writing and arithmetic to be thoroughly interesting subjects. Reading and writing became second nature to me and became my top two hobbies. I excelled in academics all through elementary, intermediate and high school, eventually deciding to attend the prestigious University of North Carolina at Chapel Hill in 2009.

I am currently a sophomore at the University of North Carolina at Chapel Hill seeking two degrees both in Business Administration and Economics. I am a member of the Carolina Covenant Scholarship program. I am interested in business, ecommerce, economics and investments. I have always enjoyed playing sports: basketball and soccer being my favorites. I am a diehard Carolina fan and hope to see a NCAA championship by the time I complete my undergraduate degree. Go Tarheels!
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