Revolving
and Installment Accounts - These two types of
credit lines differ in that a revolving account is renewed after payment
(credit card) and an installment account is a set amount total and a fixed
amount paid each month.
Reward
Cards - Offers tips on selecting the reward card that's right for you include airline credit cards, gas cards, travel rewards cards, and cash back credit cards.
Credit
Card Traps - What to consider when applying for
a credit card. There are many offers to choose from, but which is the
right one for you?
Consolidation
Loans - Is consolidating your debts right for you? Important factors
to consider before doing so.
Home
Equity Loans - Home equity loans are a great way to borrow at a lower rate and pay off higher rate debt like credit cards, but you are converting short term debt into long term debt and putting your house at risk in doing so.
Bankruptcy
Basics - Covers chapter 7, 11, 12 and 13.
Budget
And Budgeting - Creating a budget, or financial blueprint, is the first step in financial planning.
Credit
Score And Interest Rates - Explains the
relationship between credit score and interest rates.
Keys
To Financial Security - Financial security
doesn't just happen, you have to make it happen. Covers insurance,
budgeting, planning, savings.
Conflicting
Credit Scores - The Vantage credit score is the credit bureaus rating system designed to compete with FICO. This is why there may be differences between your score online and what the lender has.
ARM
& Fixed Rate Mortgages - Compares ARMS and fixed rate mortgages.
Credit
Practices That Impact Your Credit Score - Find out how having lots of
available credit or closing out accounts impact your credit standing.
Negotiate
With Creditors - Credit problems. Deal directly with your creditors,
don't avoid them. You will be better off in the long run.
Statute
of Limitations - Covers state by state how long
debt is legally owed.
Bankruptcy
- Covers chapter 7 and chapter 13 bankruptcy.
-
Bankruptcy
- What is chapter 7 and chapter 13 bankruptcy? Article highlights the
differences between the two.
-
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
-
Debt
Consolidation Vs Bankruptcy - File bankruptcy? Chapter 7?
Chapter 13? Article offers a comparison between filing and debt
consolidation and
advantages and disadvantages of each.
-
Bankruptcy
Terms - Glossary of terms related to bankruptcy.
-
Chapter
11 Bankruptcy - This chapter of the Bankruptcy Code provides, in
general, for reorganization of corporations or partnership. (A chapter 11
debtor usually proposes a plan of reorganization to keep its business
alive and pay creditors over time. People in business or individuals can
also seek relief in chapter 11.)
-
Chapter
12 Bankruptcy - For farmers, fishermen and family owned businesses.
Calculators
- Offers a variety of calculators to help compute
the cost of everyday life.
-
Debt
Calculator -
Use your credit card to make everyday purchases? Don't forget the
additional costs of buying now and paying for it later. If you don't
pay your credit card in full all those purchases could end up costing
you a whole lot more.
-
Mortgage
Calculator -
This calculator will show you how much you can save by making
bi-weekly payments and how much sooner your mortgage will be paid off.
-
Payoff
Calculator -
This calculator will illustrate the benefits of paying off existing
debt versus investing your money elsewhere.
-
Savings
Calculator -
This calculator will show you costs and savings of compromising
current habits, or giving them up altogether.
Check
21 - Check Clearing for the 21 Century Act. This
act effectively eliminates "float time" and allows for
"substitute checks" to be drawn on your account.
Credit
Acts - Articles on fair debt collection, equal
credit, credit billing, credit reporting and more.
-
Debt
Collection Act -
This act explains in layman's terms what a 3rd party collector may and
may not do when attempting to collect on a past due debt.
-
Equal
Credit Opportunity -
We're all equal in the eyes of the law. This act covers what factors
credit grantors may and may not take into account when extending
credit.
-
Credit
Billing Act -
The credit billing act covers your rights as a consumer when dealing
with errors on your statement and your rights to dispute them.
-
Credit
Reporting Act -
This act covers how credit reporting agencies, ie. credit bureaus like
Experian, Trans Union and Equafax, may collect and disseminate credit
related information.
-
Credit
Repair -
Got some dings on your credit report? Things you can and cannot do.
-
Credit
Bureau - List contact information for the 3 major bureaus:
Equifax, Experian and Trans Union.
Credit
Card Blocking
- What is credit card blocking and how you can
minimize its impact.
Credit
Cards - Offers the latest statistics on credit
card debt.
Credit
Card Rate Hikes - Want to know why your
rate went up? Just read your contract.
Credit
Card Travel
- Offers tip when traveling overseas.
Credit
Card Types - Which
kind of credit card is best for you: secured, reward, student prepaid.
Credit
Report - Covers what a credit report is, how
this information is used and why.
Credit
Card - Secured & Unsecured - Information covering the differences
between secured credit cards and unsecured credit cards.
Consolidate
Debt - Different ways to reduce your
monthly obligations.
Debit
Cards - Offers info on liabilities of debit
cards, credit cards and ATM cards when the are lost or stolen.
Debt
Settlement Vs Debt Consolidation - Which is best for you? Highlights
the differences between consolidating bills and debt settlement /
negotiation.
Divorce
- Your heart has now been broken, don't let it break your bank. Divorce
and finances.
FACTA
- Fair And Accurate
Credit Transaction Act. New law enacted by congress allowing consumers to
obtain a free copy of their credit report from all 3 major credit bureaus.
Fico
Score
- Covers what fico scoring is and how it impacts you.
Identity
Theft - Important information on how to prevent
ID theft and steps to take if you've been victimized.
Improving
Your Credit - There are many ways to repair your credit worthiness
beginning by making your payments on time. The following article covers
some of the ways you can repair your credit.
Keys
To Financial Security - Financial security
doesn't just happen, you have to make it happen. Covers insurance,
budgeting, planning, savings.
Money
Saving Tips - How many ways can you save money?
The sky's the limit.
Mortgage
Center
- Offers a variety of mortgage related articles.
-
ARM
& Fixed Rate Mortgages - Compares ARMS and fixed rate
mortgages.
-
Mortgage
Refinancing
- Are you a candidate? Who should and who
shouldn't consider...
-
Mortgage
Tips - Offers general info when shopping for a mortgage.
-
Debt
Consolidation Loan
- Borrowing against your home? Article covers pros
and cons.
-
Mortgage
Glossary - Terms related to the mortgage industry.
-
Reverse
Mortgage - Home paid off? This loan allows you to borrow the equity
out of your home without having to pay it back.
-
Foreclosure
- Tips for dealing with lenders and creditors when facing forclosure.
-
Mortgage
Fraud - Offers hints and tips for spotting
mortgage fraud and where to report it.
-
Home
Equity Loans - Home equity loans are a great way to borrow at a
lower rate and pay off higher rate debt like credit cards, but you are
converting short term debt into long term debt and putting your house
at risk in doing so.
Old Debt
- Don't let old debt come back an haunt
you. Covers debt collection scams and statute of limitations for old
debt.
Pay
Off Bills - Find out the best way to pay down
your bills from paying off the highest interest rate debt first to paying
the small bills off and getting them out of the way.
Payday
Loan
- Payday loans are small short-term loans usually a week or two made
on post-dated checks.
Skimming
- Skimming uses technology to capture information such as personal
account numbers, drivers license, and credit card numbers.
Slash
n Burn Savings
- What if you needed and extra $10,000? What kind
of "motivation" would you need to accomplish this goal?
This article offers money saving tips for the
"motivated"
Statute
of Limitations - Covers state by state how long
debt is legally owed.
Student
Loans - One of the most valuable investment, and most expensive with
be your education. Considerations one should take into account when
shopping for a student loan and the best way to pay them off.
