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Many financial experts say one credit card is all any consumer needs. Yes, it’s possible to have multiple credit cards and manage them wisely, but ultimately, the typical consumer should be able to get by with only a single card. However, if you happen to make a lot of purchases online or travel, you may…

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Renting a Room in Your Home

Is there a room in your home that you rarely use, such as a spare bedroom or den? If so, under certain circumstances, it might make sense for you to rent that space out to a tenant, especially if you live in a big city or desirable suburb with high demand for rentals. Renting out…

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When you get a call from a debt collector, it’s important that you respond in ways that will protect your legal rights. The debt collection industry has long been plagued by bad behavior from collectors. Things got so bad that in 1978, the FDCPA (Fair Debt Collection Practices Act) was passed. This federal law is…

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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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