Archive for the ‘Consumer Credit’ Category


Consumer Credit Counseling Services

The National Foundation for Credit Counseling is a network of over 850 accredited nonprofit consumer credit counseling services. They offer free and low-cost financial advise, budgeting and debt management services. Because their mission is to educate you in the use of credit. Helping you put together spending plans and help structure payoff plans with your creditors. Most Consumer Credit Counseling Services are local and have […]

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Placing A Credit Security Freeze

Placing a Credit Security Freeze is a simple and inexpensive way for you to freeze and thaw your credit file. A credit freeze only allows the applications for credit and services that you authorize to be processed. This is best way possible to slow down identity theft. A credit freeze will lock out any new credit from being established until you use a PIN […]

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Credit Repair Software

Is your credit rating down in the dumps? You may wish to consider credit repair software as a solution to repair your credit. There are four main ways to repair your credit, listed from worst to best: Worst: Credit Repair Services It’s tempting to simply pay a company to “do the work for you,” but all credit repair services (that […]

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Repairing Bad Credit

For many people, repairing bad credit seems to be low on their list of things to do. Most become a slave to their credit to some degree. It is too easy for just about anyone to get instant credit from almost every department store they go to. Getting a major credit card is easier now than it […]

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Dodd-Frank Financial Reform Bill

Dodd-Frank Financial Reform Bill – For most people their credit report is the most important document that they will own. A credit report determines whether you can get a credit card.  Or a cash loan, buy or lease a car. Finding employment, getting insurance, buying cable television service. Even getting into a cell phone contract. The Dodd-Frank financial […]

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Consumer Credit Bill of Rights

Here is a quick rundown of the Consumer Credit Bill of Rights. As a consumer of credit, you can look forward to more protection from credit provider and debt collector abuses. Mortgages • Lenders would no longer be allowed to pay mortgage brokers a commission based on the interest rate for a home loan. The law would […]

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