Number of Established Accounts

No credit is better than bad credit, but it can still be tough establishing new accounts.

Risks of Co-Signing a Loan

When it comes to your finances, it is not a selfish act to try and protect them.

Too Many Recent Inquiries in the Last 12 Months

Multiple recent inquiries are signs of desperation and rejection.

Are Credit Card Transfers a Good Idea?

Commonly, companies will provide 0% interest for the first six months as a new customer.

How Does Payment History Affect Credit Scores?

Payment history on credit accounts is the single biggest factor that contributes to your credit scores. In fact, 35% of credit scoring inputs are based on your payment histories.

On Hold: Life After Bankruptcy

It will be harder to get loans, and their interest rates will be through the roof if they're available. That new car will have to wait.

Will Debt Management Work for Me?

A debt management program works by gaining creditor concessions on your behalf so that you can better afford minimum payments.

6 Things to remember before filing bankruptcy

Here are a few things which you might like to know before deciding to opt for bankruptcy.

Changing Payment Date

Here's a cool little fact: for most credit cards, you can change the payment due date.

Saving Money with Coupons

Just spend a little time looking and organizing, and your savings with coupons and rebates can be well worth your time!

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Reader Contributions

These stories were contributed by our readers. Enjoy, but remember to maintain a healthy skepticism!

Debt settlement or filing bankruptcy which one is better to choose?

Popular options for debt relief include debt settlement and filing bankruptcy.

Disaster Relief: What to Do with Unbudgeted Expenses

Building a reliable and realistic budget is the best way to avoid debt and financial crisis.

Lowering Credit Card Debt

Stop taking on new debt to begin with.

Bad spending habits that lead to debt

Are you among the ones with a reckless spending habit?

Your Debt Help Community

Debtors Unite is a collaborative effort among financial counseling organizations to provide you with the tools, guidance and forums to improve your financial situation.

We find that banks and financial institutions put their own profit needs ahead of your needs, just as you put a higher priority on your own needs over theirs. To balance the odds, we find that there is power in sharing information.

Get the answers you need while providing feedback to others. Take control of your debt before it controls you!

Debtors Unite is your debt help community. Feel free to share your successes and failures as you eliminate debt and improve your finances. If you feel that a creditor or debt collector has given you a raw deal, share your experiences. You just might help someone else with their situation.

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