LOANS THAT CONSOLIDATE DEBT

A consolidation debt loan could be the answer!: "LOANS THAT CONSOLIDATE DEBT"

Spring has sprung. If you've been meaning to clean out those dusty growing debts that have been robbing you of your hard earned money...perhaps you should do something about it.

Credit Repair Kit

Credit Repair Kit

Do it yourself Credit Repair Kit...it's easier than you think!

Credit Repair Kit: "Bad Credit Quick Solutions?
If you discovered an erroneous reporting on your credit report do you know how to dispute credit report mistakes?
Did you know that you can have a derogatory item temporarily taken off your credit report while in full dispute thereby improving your credit score?
Find out the secret to getting your score boosted in 24 hours?
There's a wealth of information available to be found in your local library, on magazines racks, on TV and radio BUT the internet offers the most accessible form of information available today. "

Best solutions to quickly improve your credit debt finance problems.

Best solutions to quickly improve your credit debt finance problems.

Here's a great article on the challenges of debt reduction:

Financial Regret? Step Up to a Debt Reduction Challenge in 2005

(ARA) - At a time when the average household owes approximately $9,000 in credit card debt, one credit counselor is asking Americans to step up to a debt-reduction challenge:

"If 2004 was your year of plastic, resolve to make 2005 the year of green," says Michael McAuliffe, president of Family Credit Counseling Service, a nationwide non-profit offering financial education and debt repayment solutions.

McAuliffe is concerned about the amount of debt families are carrying. "At an average interest rate of 18 percent, it can take more than 30 years to pay down a $9,000 balance by making just the minimum payments, and cost two and a half times the balance in interest," he says.

By resolving to get ahead of compound interest, Americans can more quickly save money for vacations, education or other personal and family goals. And, says McAuliffe, setting a financial resolution isn't just about the money. He points out that the stress caused by debt can impact all areas of life, including relationships and work. "Getting ahead of debt will reduce stress and help you live a more satisfied life."

McAuliffe provides the following tips to pay down debt:

Have a plan

Track your family's spending to determine where all of your "extra" money goes and create a detailed monthly budget. "Don't get nickeled and dimed to death," says McAuliffe. "Analyze all of your expenses each month and be sure you need and/or use all of the services you pay for." Without a budget, you may not be able to see how much of your income can realistically be applied to your outstanding debt. You would not want to get caught in the cycle of paying too much to your creditors and wind up using your credit cards for living expenses before your next payday. A Personal Budget Guide can be downloaded at www.familycredit.org.

Review all credit card debt and interest rates

One way to pay down your debt is to make the minimum payments on all of your cards and pay all excess income to the creditor with the highest interest rate. Some creditors carry an annual interest rate as high as 35 percent. It could make sense to pay more on that debt than on a card with a 12 percent rate. You can determine your monthly debt payments by using a credit calculator like the one at www.teachmeaboutcredit.org. Additionally, you may want to keep only a few cards with the lowest interest rates open and switch other credit card balances to them. Also, it never hurts to contact your creditors and ask for reduced rates.

Save for major purchases

Resolve to hold off on major purchases, and instead save for future comfort and unexpected expenses. If you put your money towards credit card payments instead of unnecessary purchases, however tempting, you'll save thousands of dollars in interest that could be spent on big-ticket items such as vacations and/or other personal and family goals down the road. "Think of it as buying piece of mind instead," says McAuliffe.

Don't think you can borrow your way out of debt

Stay away from payday loans, rent-to-own, cash advances and/or title loans. The compound interest on these debts will wind up costing you too much in the long run.

Most importantly, be patient. "Getting your finances under control does not happen overnight and there is no sense in compromising your health by stressing about it every day," says McAuliffe. "Make a commitment to becoming debt-free and be vigilant about meeting your financial goals."

If debt problems are keeping you from enjoying the New Year, contact a professional debt counselor at (800) 994-3328 or visit www.teachmeaboutcredit.org.

Courtesy of ARA Content

Select a good attorney when you are drawing up that sales contract!

How Credit Reports Can Affect Your Online Insurance Or Offline

http://www.101-credit-debt-finance.com

Select a good attorney when you are drawing up that sales contract!


Before you sign an agreement of sale, you might consider asking an attorney to look

it over and tell you if it protects your interests. If you have already signed your

agreement of sale, you might still consider having an attorney review it.

An attorney can also help you prepare for the settlement. In some areas attorneys

act as settlement/closing agents or as escrow agents to handle the settlement.

An attorney who does this will not solely represent your interests, since, as

settlement/closing agent, he or she may also be representing the seller, the lender

and others as well.

Please note, in many areas of the country attorneys are not normally involved in

the home sale. For example, escrow agents or escrow companies in western states

handle the paperwork to transfer title without any attorney involvement.

If choosing an attorney, you should shop around and ask what services will be

performed for what fee. Find out whether the attorney is experienced in

representing home buyers.

You may wish to ask the attorney questions such as:

What is the charge for negotiating the agreement of sale, reviewing documents and

giving advice concerning those documents, for being present at the settlement, or

for reviewing instructions to the escrow agent or company?

Will the attorney represent anyone other than you in the transaction?

Will the attorney be paid by anyone other than you in the transaction?

As you can see, there can be many questions you may have. An attorney is one

professional that can at least give you the insight on whether the deal you are

planning to make is a sound one.

After all, it could potentially save you thousands of your hard earned dollars.

~~~~~~~~~~~~~~~~

I hope this helps,

Curt de la Cruz
http://www.101-credit-debt-finance.com

How Credit Reports Can Affect Your Online Insurance Or Offline

How Credit Reports Can Affect Your Online Insurance Or Offline: "HOW OUR CREDIT REPORT IMPACTS THE WAY WE ARE RATED FOR ONLINE INSURANCE
Don't be fooled, this can happen offline too!
Are you thinking about online insurance shopping for auto insurance because your rates are going up or you want a better deal?
Well, have you ever wondered why your insurance rates have increased?
Thinking of switching insurance companies to get better rates? "

Shopping the best online loans for refinance

Shopping the best online loans for refinance: "Refinance online loans are available from reliable online lenders such as Eloan are available from several types of online lenders...thrift institutions, commercial banks, mortgage companies, and credit unions. These lenders may quote you different prices, so you should contact several lenders to make sure you�re getting the best price. "

Shopping the best online loans for refinance

Shopping the best online loans for refinance

Hello,

The following article is written in the spirit of the first time home buyer. I will post some related articles that will help you to prepare for the new home of your dreams. But you must do a little home work and studying as this is going to be the biggest financial committment you'll ever volunteer to make.

Happy reading!

The Role of the Real Estate Agent

Frequently, the first person you consult about buying a home is a real estate agent or broker. Although real estate brokers provide helpful advice on many aspects of home buying, they may serve the interests of the seller, and not your interests as the buyer.

The most common practice is for the seller to hire the broker to find someone who will be willing to buy the home on terms and conditions that are acceptable to the seller.

Therefore, the real estate broker you are dealing with may also represent the seller. However, you can hire your own real estate broker, known as a buyer’s broker, to represent your interests. Also, in some states, agents and brokers are allowed to represent both buyer and seller.

Even if the real estate broker represents the seller, state real estate licensing laws usually require that the broker treat you fairly.

If you have any questions concerning the behavior of an agent or broker, you should contact your State’s Real Estate Commission or licensing department.

Sometimes, the real estate broker will offer to help you obtain a mortgage loan. He or she may also recommend that you deal with a particular lender, title company, attorney or settlement/closing agent.

You are not required to follow the real estate broker’s recommendation. You should compare the costs and services offered by other providers with those recommended by the real estate broker.

Debt Management

Debt Management: "DEBT MANAGEMENT MADE EASY
Are You Trying To Find A Debt Management Plan That Will Work?
Have You Just Discovered That The Income You're Making Looks And Sounds Great On Paper But You Don't Have Anything To Show?

It's time to take a look at your finances and get a plan started.
Debt mangagement can take on a number of different forms. It can be as simple as a personal budget plan to manage you finances or as elaborate as having software or even a professional help you to plan your debt management.
Generally it is the action or inaction that you have managed your finances. But now you would like to take action to improve your overall situation. You also understand that if you don't do something now or in the near future you can jeopardize your personal finances.
This article is based on starting a plan to take control and improve your debt situation. It is a beginning budget stradegy plan for you.
Sidenote: If you are in need of a debt relief management system you can go here for more resources.
Depending on the level at which your finances are it is best to make a review list to determine the kind of budget plan you will want to use. Set up your financial review with this simple 3 step overview.
Overview Of Your Finances
In it's simplest outline, use income, expenses and savings as your guide.
You need to know how much income you receive month to month, how much you spend month to month and how much you are saving month to month. If you do not know where your money is going then you need to use this overview as a road map to find the best resources to create a stradegy to get your finances under control. This will be your debt management system personalized for you.
Income: how many sources of income do you have. One job or two jobs?
Do you have other sources of s"

8 Sure Fire Steps To Improve Credit Score

8 Sure Fire Steps To Improve Credit Score: "Anyone Can Improve Credit Score Ratings With These 8 Sure Fire Tactics!
Here's 8 simple tips on how to improve credit score ratings:

1 - Pay all your bills on time
Payments received after the due date jeopardize your credit score because creditors automatically send updated reports to credit reporting agencies. TIP: Pay your bills before the grace period BEGINS! Credit Deptments are overwhelmed with the workload don't trust they will post your payment on time. This will help to improve credit score.
2 - Correct mistakes on your credit report
Check your report 2 times per year. Look for incorrect reporting on your credit report. Finding mistakes early will help you avoid costly mistakes in the future when it's time to get qualified for a loan or large credit purchase.
3 - Keep your balances 25% to no more 30% of your high limit
If your total approved credit line is $1500, do not to exceed $750. Keep the balance at 30% or $500 in this example. Do this and your credit score will be excellent. Potential creditors want to see responsibiitly in the way you manage your credit. This will definitely help improve credit score.
4 - Avoid the temptation to open new credit accounts
A simple rule: The more open credit cards the higher the risk.
5 - Be ruthless; reduce your credit card balances!
Make larger payments towards high interest creditors first until the account is fully paid off. Then start with the next high interests creditor. Continue until all credit is paid off or paid down.
6 - Use and keep only the credit accounts you need
This common sense rule is simple enough. Lessen temptation of additional credit and save.
7 - Creditors make mistakes; check your credit report periodically
You are the Chief Financial Executive to your fin"

Secret to dispute credit report items that incorrect, obselete and wrong!

Secret to dispute credit report items that incorrect, obselete and wrong!: "Secrets To Dispute Credit Report Items That Are Incorrect, Obselete and Wrong!
Dispute Credit Report Remarks

Fortunately under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute credit report remarks. If you 'reasonably believe' that your credit report to be inaccurate or incomplete this act requires the credit agencies to reinvestigate those disputed items within a 'reasonable period of time' which is interpreted by the Federal Trade Commission as thirty (30) days. If they find that the information was incorrect, obsolete or can no longer by verified, the information must be deleted or corrected.
If you were recently denied credit within the past 60 days you can receive a free credit report from the credit bureau that denied you. With the information that you review on your report, you can now dispute the credit agencies with an investigation of the incorrect or inaccurate reporting. "

Now You Can Get A Free annual credit report

Free annual credit report: "FREE ANNUAL CREDIT REPORT:
MAJOR BREAK THROUGH FOR THE CONSUMER: ANNUAL CREDIT REPORT

On December 1, 2004 the free annual credit reports is now in effect after Congress passed the Fair and Accurate Credit Transactions Act of 2003. That means the three major credit bureaus are required by law to issue free credit reports once a year. Consumers can request their reports online, by telephone or mail."