Credit Counseling

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  1. Credit Counseling: Learning the Tricks of the Credit Card Trade Credit cards seem like such an easy way to pay for everything - online, over the phone, and in person. You don’t have to fiddle for cash; all you have to do is swipe or insert the card so the machine can read the chip. In most cases, you don’t even have to sign for your purchases. Some ...
  2. Different Types of Credit Counseling: Which One Is Right for You? There are a number of different areas of credit counseling that might be right for you. It is a question of how much debt you have, and the nature of that debt. Common debts include:* Credit card/store card debt* Mortgage/housing-related debt* Student loan debtSome consumer credit counseling ...
  3. How to Choose a Credit Counseling Service Choosing the right credit counseling service could be one of the most important decisions you ever make when it comes to your finances. You should look for a company that puts your financial education and goals first. Even non-profit companies can be all about the money if you are not careful. ...
  4. Is Credit Counseling the Same as Debt Management? A lot of people who get into trouble with credit card debt become tempted by offers of debt management, debt negotiation and debt consolidation. It is important to note that credit counseling and debt management are NOT the same. There are companies that offer both; however, most debt management ...
  5. Strategies for Paying Down Your Credit Card Debt There are two main strategies for paying down credit card debt. Using either one can help you go for your goals of freeing yourself from interest payments so you will have more financial freedom.The strategies are:  1. Pay the debt with the highest interest rate and highest balance first 2. Pay ...
  6. Tips on How to Get Control of Your Credit One of the main reasons people get in too deep with their credit is that they don’t manage it effectively. Here are some of the best ways to start taking control.1. Automate All Payments If PossibleOne way to avoid late payments or missed ones is to automate them. If you are not already using ...
  7. Understanding Your Credit Report Looking at your credit report will usually be a part of credit counseling and getting back on the right track financially. A credit report reflects your consumer credit history. It used to just be used to determine creditworthiness, but now it is also being used by insurance companies to ...
  8. What Is a Credit Score, and How Is It Calculated? As a credit counselor will tell you, your credit score is like a financial ID number. The lower your score, the less desirable a customer you are, and the worse credit terms you will get every time you wish to get credit from a bank, credit card company, and so on. By contrast, the higher your ...
  9. What Is Consumer Credit Counseling, and How Can It Help Me? Consumer credit counseling, as the name suggests, offers counseling to consumers in relation to how they use credit. Credit DefinedCredit may sound like only credit cards, but the truth is that many people use various different types of credit throughout their lives. They might start with a ...
  10. Working with a Credit Counselor A lot of people feel embarrassed at the idea of going to a credit counselor. But think of it as a chance to get a mini college course about managing your money.Making Your Family Finances a PriorityOne famous money management advisor observed that most of us spend more time planning our family ...
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