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If you’re presently having problems with your credit card debt, perhaps you’re thinking about applying for a debt consolidation loan or debt settlement option.  Both a loan and a settlement are valid methods of debt reduction. What is a debt consolidation loan? Simply put, a debt consolidation loan is a loan that you take out to pay of all of ...

If you are presently struggling with bad credit history or overwhelming debt, do yourself a favour and save some money by helping yourself. Below are some practical credit repair tips for you:

A lot of us cannot wait patiently. Most of us feel annoyed, irritable and even agitated when we are made to wait for something. This is especially true when we wait for something really important, like an essential document. We keep on looking at our watches and calendars, since we feel very eager to receive the document we have been waiting for.

Would you like to check your credit report? If yes, did you know that you can actually order your report for free? Yes, all consumers are entitled to receive one free report per year from each of the three major credit bureaus – Experian, Equifax, TransUnion.

When trying to manage credit card debt, consolidation is often the best solution. Are you a multiple credit cardholder who is trying to pay off your balances from one card to the next? If yes, have you considered getting a balance transfer credit card so you can pay off your debts more easily? Today, you can find balance transfer credit ...

Each year, many consumers suffer from bad credit due to different reasons. The good news is that bad credit does not have to be a permanent situation. Indeed, many people have successfully managed to recover from bad credit and regain their good credit standing. If you would like to know how, read on the rest of this article and find out what you can do to repair your personal credit.

You may have already heard about credit freeze but do you really understand what it is and what it means for you? Here are some questions you may be asking about credit freeze and the answers you need.

A lot of people incur bad credit mostly because of financial drawbacks. You may suddenly find yourself laid off from work. You and your spouse may suddenly decide to part ways and lose much money on divorce settlements. You may encounter an illness or an accident that will prevent you from working. Because of these situations, you may be late or you may totally miss out on your debt payments.

As people strive to survive the economic crises, the year 2010 brings a promising prospect. If you find yourself in a difficult situation, this is the year when you can begin your journey towards debt freedom. Listed below are debt reduction tips that you can start doing from today onwards:

Bankruptcy is often associated with negative things. After all today’s media portals display this option as a last resort to eliminate debt. But is it really that bad?