Payday Loans: Proper Budgeting Equals Lack of Indebtedness

Is 300% interest necessary?

Deed in Lieu of Foreclosure

Deed in lieu of foreclosure is a process in which you give away your property to the lender because you aren’t able to pay any more.

Rewards Cards: Should You Take the Gift?

You can earn free flights, discounts on hotels and restaurants and even cash back.

Credit card debt negotiation

Be prepared to make a lot of phone calls.

Date of Last Inquiry Too Recent

Lenders frown when you apply for multiple accounts in a short period of time.

How to Claim Residential Energy Tax Credit

The tax credit is only eligible to those individuals who install the products as a replacement.

Lack of Recent Bank Revolving Information

Credit cards: If you don't use it, you might lose it!

The Authorized User

And you.

Bad Credit Cannot Keep You from a Good Education

Financial aid departments can help you locate funding options.

Credit Card Bubble

Creditors, struggling to turn a profit, are cutting lines of credit and taking to predatory practices of manipulating rates and fees.

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Professional Credit Cards Exempt from CARD Act Protections

Checking the "I am a business professional with business expenses" box on a credit application means you just opted out of Credit CARD Act protections.

Debt Settlement Employees Are the Newly Unemployed

Thousands of employees of debt settlement companies will find their employment terminated by November, 2010.

Does getting credit counseling affect your credit score?

Credit counseling is not a factor in credit scoring formulas. Paying off debt is.

What to Check Before Filing Bankruptcy: There Are No Fresh Starts

Federal law requires bankruptcy counseling within 180 days of your bankruptcy filing.

Credit Karmic Shift

CreditKarma.com provides free credit reports, free credit scores and most importantly, no unwanted credit monitoring service membership.

Two Steps to Responsible Consuming

Don't burn your money!

Debt Settlement: What Are the Costs and Benefits?

Debt settlement sounds attractive until you realize what it costs you.

Beware of Debt Settlement Scams

Advertisements for debt settlement services are every where you look, promising to eliminate your debt quickly and easily. At best, these companies will cause you much more trouble than you realize. At worst, you will run into an outright debt settlement scam.