In today’s tutorial we will demonstrate how to obtain your free annual credit report from AnnualCreditReport.com, the official site that allows consumers to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.read more
We have often suggested renting out space in one’s home as a strategy for increasing income and cutting housing expenses. Naturally, this is much easier said than done, so we’ve been offering some posts about what goes into renting out part of your house.
Here are some important Dos and Don’ts when renting out space:read more
Credit cards have become an easy target for Congressional grandstanding and regulations, but beneath the widely criticized rates and fees lie many good benefits that are usually hidden in the fine print.
Credit cards can provide valuable purchase protections and insurance that are unmatched by cash and debit cards. Yet more consumers are forgoing these benefits and choosing debit cards insteadread more
Thousands of consumers in the U.S. live with the aggravation of not being able to open a bank account after their prior bank account was revoked and their poor history reported to ChexSystems. A checking account is much more than a way to pay for goods and services. Checking accounts make conducting financial business safer,…read more
Do you want the home of your dreams? Would you like a nice dependable car? If the answer is yes, you may want to take a look at your credit score before applying for credit to purchase these and other items. What IS a credit score? A credit score is a three-digit number that banks,…read more
Now more than ever it is important for consumers to view their consumer credit reports. Identity theft is reported to be the fastest growing crime and the number one complaint filed with the Federal Trade Commission www.ftc.gov for the past five years. Many businesses are reviewing consumer credit reports on prospective employees, and insurance companies…read more
We’ve talked about ways to spot a loan scam, but if it’s too late to prevent being scammed and you’re already a victim, it’s crucial that you take the right steps to report the crime. 1. Construct a narrative. Start by writing down your story. Include everything you can remember, but try to keep it…read more
Las Vegas, NV – March 18, 2010 – Springboard Nonprofit Consumer Credit Management, a HUD-approved housing counseling agency, offers a free First-Time Homebuyer class where prospective homeowners can learn what to expect in the home buying process. Springboard’s pre-purchase education class is approved by HUD www.hud.gov, Fannie Mae, and Freddie Mac. Upon completing the First-Time…read more
Setting goals is a crucial part of obtaining financial freedom. We stress goal-setting with all of our clients, and here we offer 7 steps to ensuring you will be successful in achieving your goals. When we educate consumers about achieving financial freedom, goals come up early and often.read more
This debt management article informs you what to do when you fall behind on your auto loan. For most people, reliable transportation is about as important as food and shelter. Unless public transportation is really convenient from your home and work, or these two places are really close together, it would be difficult to live…read more
This debt management article will help you understand the public record information contained in one’s credit report. Ideally, you will always be gainfully employed, you will never have a late payment, you will pay off every debt, and you will never owe more than is considered “healthy.”read more
This article outlines some essential household budgeting tips and guidelines for you to follow. In 35 years of educating consumers about managing their personal finances and conquering their debt, we’ve seen countless different household budgeting strategies. Here is our best recommendations for managing your household budget. With the economy in turmoil, more experts are proposing…read more