While millions of people continue to lose their homes, there are resources and strategies available such as a mortgage loan modification, that can help with foreclosure and prevent the worst case scenario. While the outrageous foreclosure statistics do not take into account the number of people who are purposefully losing their homes because they are [...]

On May 22, 2009, a new credit card law was passed.  The proposed goal is to help protect consumers from unfair credit card practices, some of which you may have been a victim of.  However, it appears that even the people who have always paid their bills on time and in full might be hurt [...]

If you’re struggling to pay your bills, you’ve probably been looking for ways to minimize your debt.  If the payments on your bills were just a little bit lower, you know you would be better off financially, and with your largest bill being your mortgage, you’re wondering if there’s any way you can reduce your [...]

My name is Seth Ferris from Denver, CO, and I want to share a quick story about how I used two free personal debt programs, which allowed me to quickly get out of debt and control my finances. This strategy allowed me to slash my bills and half without paying for professional help and without [...]

Your credit report is a financial report card. It tells lenders how likely they are to receive payments from you if they were to lend you money. Someone who has no credit history or a poor credit history will have more trouble getting approved for a loan then someone who has an exceptional credit history. [...]

At first glance, debt consolidation may sound like a good idea when you’re faced with $10,000 in credit card debt or medical bills and don’t see a realistic way out. Before you pull the trigger, be sure you know the benefits and the negative side to debt consolidation so you can make the best decision. [...]

Personal finance continues to evolve and become more and more complex. Zombie debt is one of those things nobody would have been able to predict, but it one of those things that are destroying people’s lives. If you have ever had an experience with a debt collector, you know how horrible it can be. Most [...]

Americans are hemorrhaging with maxed-out credit cards. This is a product of buying too much home and fancy cars or just trying to keep up with the rising cost of the daily costs of life. But everyone (for the most part) has some debt, even if it is just student loans and the mortgage payments. [...]

A couple weeks ago I posted a message about your credit report and how it was pretty much guaranteed that you would find something wrong with it. Well, a lot of people responded to that discussion with questions they had about their credit score. I want to first apologize that it has taken so long [...]

Did you know that 70% of all credit reports contain inaccurate or incomplete information? What’s even scarier is that 1 in 4 people are denied credit because of this. Play this message to find out what we’re going to do about it. [Audio clip: view full post to listen] So to recap: Click here to [...]