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The Credit Card Use of Student’s Parents – What Should Parents Do?

Students often come to this site to discuss college life and the consequences when they make financial decisions. While some are able to learn self discipline through debt repayment or attending a college retreat – most are not ready with a handle on their money management or financial responsibilities and these situations can land themselves […]

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Financial Consequences of Credit Repair

The following are some of the financial consequences of the proper functioning of credit repair: 1. Loss of a job – Your credit card or savings account could be pulled from your portfolio. 2. Shortage of credit or credit – Many people have bad credit or no credit. 3. Payback problems – While there is […]

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Credit History – Identity Theft

There is no more perfect credit history than that you will receive. Many people simply get into bad credit with erroneous accounts, histories on previous instances of identity theft and often they cannot clear up the mess. Identity theft can affect you personally, too, as well as your family. If you have questions or need […]

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Bankruptcy.

The penalties for divorce are a nightmare to handle. Nearly all divorces result in jail terms ranging anywhere from $5,000-$75,000. There are numerous things that divorce attorneys look at as legitimate factors when filing for divorce, but the real picture of the effects of divorce may be blacked out. There has to be a tax […]

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The Debt Incentives – How Can You Get An Instant Reduction In Your Debt

Have you ever considered getting an incentive card to transfer all your credit card balances onto as much credit card debt that you don’t have? Many of us probably have, but what could be more enticing than transferring balances to an instant reduction credit card when you do have less than perfect income? This type […]

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Credit Card Offers – Do You Need More Than That?

There are a lot of benefits on credit cards. If you must make purchases on a card that cannot be afforded with the other one, a huge number of benefit can be generated from such offers. One aspect of credit card offers that is particularly sought after is quotes for items that you might not […]

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Credit Card Fees And What To Do

On every purchase, you incur a fee and a maximum annual fee of $29.50. Fees vary from card club membership to membership rewards, online banking, rewards points, merchandise, and more. But in the end, what most customers choose to pay is the cost of the card they are using. Just look at these fees. They […]

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Savings vs. Cash Back – Is Cash Back The Same as a Cash Advance?

Cash Back, which is considered, is a combination of our credit utilization, and all of the other interest rates, due on payments and balances that have been accrued. Usually, a cash back credit card will be paid off as is (usually) with interest, usually from the date of issuance until the card debuts. If you […]

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Help For Debt Relief

Despite decades of negative connotation in the media, even the title of a book has become a title deserving such negative treatment at some time in the future. Many people view the title Help For Debt Relief and the summary of the list of “100 Things To Do Right Now” as very important, but some […]

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Identity theft, identity fraud and credit repair

Identity theft, identity fraud and credit repair is the practice of misrepresenting your physical age to obtain credit. Identity theft can be initiated by phone, mail or online, which creates a false identification when the person you are looking for says his or her real name, street or marital status. The purpose of such impersonation […]