FHA Mortgage Loan Requirements

FHA-insured loans are an incentive because they require small cash investment to close a loan and they have less rigorous requirements.

Annual Credit Report

A credit file disclosure also includes a record of everyone who has ever made an “inquiry” about you and received your consumer report, over a given period of time.

Should I Consider an FHA Loan?

The Federal Housing Administration (FHA) was established to provide mortgage insurance on loans.

Personal Budgeting

Are you trying to save some of your paycheck each week/month but finding it impossible to do?

Budgeting for College Students

Being frugal does not mean you have to eat Ramen noodles every night.

Paring Down the Family Budget

Most of us try and keep up, valiantly, faithfully and dutifully paying the minimum payment each month just barely staying afloat.

Why Choose a 40-Year Mortgage?

Do lower payments justify less equity and more interest in the long run?

Foreclosure versus Bankruptcy

Whether you go into foreclosure or declare bankruptcy depends on the nature of your financial crisis.

Introducing the Fair and Accurate Credit Transactions Act

Most significantly, FACTA introduced several "Red Flag Rules" for directly regulating creditors.

Debt Free Solutions

When it comes to taking action against accumulating debt, there are many options.

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Top Stories

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.

Reader Contributions

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

Lowering Credit Card Debt

Stop taking on new debt to begin with.

Credit Card Debt Consolidation: A Knowhow

Using a credit card can be beneficial for you in many ways but at the same time it can be the root cause of all your debt problems.

Bad spending habits that lead to debt

Are you among the ones with a reckless spending habit?

Eliminating Credit Card Debt

A late payment can make it harder to get rid of credit card debt.

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.

We encourage you to visit often as our site is updated with new information on a daily basis.