Credit Cards: Considering Credit History

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Considering Your Credit  Do you have credit card accounts that you don’t use? Are you thinking about closing these unused accounts to clean off the slate? Read this article to learn more about the effects of closed accounts on your credit history. A Fair Isaac representative reported that closing accounts does not directly hurt one’s credit score, regardless of whether … Read More

Financial Planning: A Dose of Truth and Grace

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Planning for a Financial Planner So you’re considering a financial plan! Perhaps your finances have told you that you need one. Planning with purpose for your financial future is a noble task. Sure many good things come to us in unexpected surprises, but planning for a good future, especially when it comes to finances, is a wise strategy indeed! You’re … Read More

Payday Loans: Borrower Beware

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Considering Payday Loans Strapped for cash? Thinking of getting a payday loan? Think again!  It may be tempting to get a payday advance to hold you over for a week or two until your next paycheck. What could be the harm? The industry claims they’re providing needed credit to consumers who aren’t able to qualify for conventional loans. The industry … Read More

Debt Collectors: Know Your Rights Against Wrong Practices

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Doomsday Debt Collectors  Debt collectors may be within their right to pursue repayment, but you should know how to protect yourself against doomsday debt collectors and their extreme tactics. Fair Debt Collection Practices Act First, you should be aware that there are laws in place that govern the practice of debt collection. The Fair Debt Collection Practices Act was written for … Read More

High Car Payments Can Drive You Over the Edge

adminCar, Christian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Goals, Personal Goals, SavingLeave a Comment

High Car Payments It is an all too common story. Many people struggling with debt can trace the beginning of their debt problems to a new car purchase – a big monthly payment, financed for too long. Some households even have two vehicles with large payments in the $400 to $500 range. With the budget maxed out, you can see … Read More

Credit – The Four Most Common Forms

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What is credit?  Credit is defined in a couple of ways. One is the amount of money you are approved to borrow from a lending institution. With this approval comes an agreement to repay the charges, any additional fees that can or will be applied, and to abide by time restrictions. Credit can also be classified as your borrowing reputation. … Read More

Making Money Matters Manageable in Your Marriage

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Mutual Money Management  Is it love or money that makes the world go round? It’s both…Make money work for your marriage, not against it.  You need tips on strengthening your marriage through mutual management of your money.  This can be done and can even be fun!  Keep reading to find out how. Financial Honesty Have open, honest and non-confrontational discussions … Read More

Money, Love, and Marriage

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Marriage and Money Roses are red; violets are blue. No matter the cost, I’ll stand by you… Have you had the talk yet?…You know, the one about money, spending habits, future goals, budgeting…? If you haven’t, it should be a top priority for your relationship.  If you have, have it again.  Discussing finances should be a regular and healthy part … Read More

Debt Settlement – Full of Empty Promises

adminChristian Credit Counselors, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement

Empty Debt Settlement Promises “Cut your debt in half fast!” “Put a stop to the harassing creditor calls!” To desperate ears, these catch phrases sound very enticing. Debt settlement agencies make all kinds of promises, but can’t necessarily deliver. They allude to having all the answers to your financial problems and want you to trust them to free you from … Read More

Credit Reports – The Knowledge You need to Know

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Improving Your Credit Score The best way to improve your credit score is to improve your knowledge on credit reports.  There are three major credit bureaus that put together your credit report: Equifax, TransUnion, and Experian.  Although the information they gather is yours, you do not own it, these agencies own your information.  They have collected the information and they … Read More