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Simply put, if you need a mortgage to buy a home and you have bad or even no credit, it’s going to be a challenge. Don’t despair; there are mortgage programs to serve consumers that have less than ideal credit. Why do Mortgage Lenders Care About Your Credit? One of the primary uses of a…

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Marrying Into Debt

Wedding vows often involve some version of a promise to support each other “for richer or for poorer.” If you’re newly engaged, you’re probably bubbling over with emotions about intertwining your life with another person’s. But what if your future spouse’s debt adds nervousness to the excitement? I can relate. In my case, I was…

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When borrowers are struggling to resolve outstanding debts, it is often helpful for them to write a hardship letter. This letter serves to more thoroughly explain to the credit cards issuer, bank or lender (hereafter referred to as “creditor”) what is going on with the borrower and propose some way the creditor can help the…

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Riverside, California (January 4, 2018) Credit.org has once again achieved national accreditation through the New York-based Council on Accreditation (COA). Credit.org provides educational services that promote financial literacy, quality financial coaching, debt management solutions, and pathways to affordable housing. COA accreditation is an objective, independent, and reliable validation of an agency’s performance. Credit.org has been accredited…

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Buying a home is a huge decision, and the buying process is long and complicated. As a HUD-approved housing counseling agency, our coaches help homebuyers at any step. Whether one is considering homeownership or already making mortgage payments, we are here to offer help along the way. When shopping for a home, it’s tempting to…

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