At first, the idea of not paying off your credit card debt can seem strange. Isn’t paying them off a good thing? There’s never a good reason to leave them…
Posts Categorized: Credit and Debt
Credit scores change over time; this is usually a very gradual process. Sometimes, a credit score will drop quickly, or even jump up by an unexpected amount. It’s easy to…
For 40 years, we’ve been presenting financial literacy education to our clients and to the community free of charge. Our budgeting classes and other personal finance education offerings are available…
It’s important to know what various consumer credit act provisions and laws exist to protect consumers. Too many people who don’t know their rights don’t take advantage of the laws…
One tactic that many consumers use to ensure that their credit reports are accurate and up-to-date is to add a 100-word statement to the report. We routinely recommend this action…
Our credit coaching and debt management plan services aren’t intended to improve one’s credit score, but the free financial literacy education we offer can teach you to the right ways…
Store cards, or credit cards offered by a particular retailer, are rarely recommended by financial experts. The interest rates are higher than average, and consumers usually sign up for them…
No-interest credit card offers are increasingly common these days, and while they may seem incredibly attractive, here are a few things to consider before rushing into one of these deals….
The best debt help we can offer is to teach consumers to manage their credit effectively. One key to this end is to review every statement you get. Too often,…
People seeking credit counseling advice are often curious about cancelling credit cards. We’ve written frequently about how closing accounts isn’t necessarily good for your credit score, but once an account…
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. This rule prevents collection agents from tricking consumers into returning…
It’s not uncommon to receive a phone call or notice in the mail from a collection agency looking for payments. When a debt collector contacts you about an unpaid debt,…
Talk to a Coach
for Free
Get advice on options to reduce your debt and improve your credit..
