Getting started on a mortgage

July 28, 2014 by  
Filed under Debt & Credit Free

Getting started on a mortgage
The simplest way to determine how much home you can afford is to compare your gross income to your total debt. Use our … Getting pre-approved for a mortgage is FREE and puts you under no obligation. … After we receive your final offer to purchase …
Read more on Edmonton Sun


The Morning Download: Hilton Upgrades to Mobile-First
Some internal Staples Inc. documents obtained by 9to5Mac suggest that Inc. may be about to launch its own credit card reading hardware in the coming weeks. According to the documents, Staples stores will be selling a new “Amazon Card …
Read more on Wall Street Journal (blog)


For debtors, no shortcut to the debtfree road
The FTC also provides really helpful information on debt settlement. For tips on other ways to pay off your debt and how to avoid debt-relief scams, go to and search for “Settling Credit Card Debt.” Obviously, I’m not a fan of debt-settlement …
Read more on Washington Post


Debt Settlement: How to Settle Credit Card Debt with your Original Creditor

July 2, 2014 by  
Filed under Debt & Credit Free

Debt Settlement: How to Settle Credit Card Debt with your Original Creditor

Tips and tools for settling credit card debt directly with your banks. Learn how to time your settlements just right, for the best offer, saving the most mon…
Video Rating: 5 / 5

NFCC Challenges Americans to Declare Financial Independence This Fourth of July

July 1, 2014 by  
Filed under Debt & Credit Free

Washington, DC (PRWEB) July 01, 2014

Each summer Americans take pride in celebrating the Fourth of July, the day that commemorates the 1776 adoption of the Declaration Independence proclaiming the country’s freedom from what is now known as the United Kingdom.

This July 4, 2014 the National Foundation for Credit Counseling® (NFCC) challenges Americans to declare their own personal financial independence by making a commitment to become free from the bondage of debt.

“The stress of unmanageable debt has destroyed marriages, shattered families and contributed to lost jobs,” said Gail Cunningham, spokesperson for the NFCC. “No one ever scripts financial ruin as a part of their life plan, but when financial distress occurs, it is a very real part of a person’s daily activities, as debt is a burden people carry with them 24 hours per day.”

Aside from the personal problems associated with debt, consider the following financial reasons to take action and begin to resolve your debt issue now:

    A blemished pay history reflecting late or missed payments tarnishes a person’s credit report which could result in a lower credit score;
    A low credit score often equals a higher interest rate when borrowing money, making the cost of credit more expensive;
    A tarnished credit record could diminish access to additional credit needed for emergencies or unplanned expenses;
    With an unrealistic amount of money earmarked for debt repayment, saving investing is often neglected, and
    Planning for future needs such as college or retirement is often delayed due to a lack of money.

People may mistakenly think they are responsibly managing debt by making the minimum payments due on time every month. They don’t bother to calculate how long it will take them to become debt free, or how much they will have paid in interest. Consider the following example:

With a $ 10,000 credit card debt at 18 percent interest, even if a person never adds any purchases or fees to the account, and makes a monthly on-time payment of two percent of the balance, it will take them 48 years to become debt free. Further, that original debt of $ 10,000 will cost them $ 36,825, with $ 26,825 going toward interest.

There is a way out from under the oppressive weight of debt. NFCC Certified Counselors help millions of people each year overcome financial challenges and find the financial stability they seek. To be automatically connected to the NFCC member agency closest to you, dial (800) 388-2227, or find an agency online by visiting Ask about the Sharpen Your Financial Focus™ program which includes financial diagnostic tools, workshops and one-on-one sessions with financial professionals, putting you on the path toward a debt-free lifestyle.


The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services. NFCC Members annually help millions of consumers through more than 600 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit Visit us on Facebook:, on Twitter:, on YouTube: and our blog:

3 Reasons You’re Still in Debt

May 31, 2014 by  
Filed under Debt & Credit Free

3 Reasons You’re Still in Debt
… staying in debt. Here are three big reasons you may feel stuck, along with some tips to help you become debt-free. … If you want to track your credit score as you pay off debt and monitor your progress, you can see two of your credit scores for …
Read more on News (blog)

Firefighter Finance: For Richer or Poorer: Some Tips for Newlyweds
Please discuss your incomes, student debt, credit card debt, and what you may or may have not saved for retirement. Compare statements and credit history. Know your financial scores (you can obtain free credit reports). This is important. When you …

Real Money: 4 Tips to Help Get You Out of Debt
Check also watches credit cards, bank accounts, investments and bills all at once so users know exactly how much spending money they have each month. Tip 2: Stop borrowing by cutting those credit cards. Ramsey suggested that those in debt perform what …
Read more on ABC News (blog)

Eliminate Credit Card Debt – How to Eliminate Debt

March 10, 2014 by  
Filed under Debt & Credit Free

Eliminate Credit Card Debt - How to Eliminate Debt – Discover how to eliminate credit card debt. Also check out Debt collection can be avoided, especially when it come…

Latest Debt And Credit Free, Debt And Credit Tips, Debt And Credit Information, News

March 6, 2014 by  
Filed under Debt & Credit Free

Get out of credit card debt faster with these tips from David Koch
Also, in most cases you only get the purchases interest-free if you pay off your entire credit card balance by the due date each month. 5. If you can’t afford it, don’t get it. For a lot of plastic-happy shoppers, the debt spiral ends in the pretty …
Read more on The Daily Telegraph


10 Can’t Miss Credit Card Tips for 2014
Even if your credit card is stolen, skimmed or lost, the federal law has your back. The maximum liability for a lost or stolen credit card is $ 50 under the Fair Credit Billing Act. If only your credit card account information is stolen — such as in a …
Read more on Fox Business


AG Schneiderman releases top 10 consumer frauds of 2013
In addition to highlighting the scams most reported by New Yorkers, the Attorney General offered tips on how to avoid them in the future. … In 2013, internet-related complaints topped the list (4,753), followed by automobile-related scams and credit …
Read more on WBNG-TV


4 Ways to Help Your Child Build a Good Credit Score, According to

February 22, 2014 by  
Filed under Debt & Credit Free

Seattle, WA (PRWEB) February 19, 2014

Like it or not, credit scores play a large role in a person’s financial wellbeing. As a result, responsible parents should teach their children about credit and money management at a young age. By educating them, children will learn financial responsibility and can start building their credit. According to, a leading website on credit, helping your kids build a good credit score may seem hard, but there are some easy ways to ensure that your children become financially responsible.

For parents who want to help their children succeed financially, announced the 4 best tips to help your children build credit today:

1. Open a checking account and use a debit card.

Credit is built by having a good history of financial responsibility. That means your child will need banking accounts, especially a checking account. Although using these accounts with a debit card will not improve your child’s credit, it is extremely important for your children to establish solid money management skills. You can help your child set up a free checking account in their name and teach them how to use a debit card wisely. Educate them on the dangers of overdrawing accounts, bouncing checks, and making late payments. Once they learn these things, they will understand the basics of responsible credit use.

2. Put a utility account in your child’s name.

Before your child leaves home, you can put a utility account, such as phone, gas, or electric, under their name. Even if you are paying the bill, that bill will be under your child’s name, so all credit will go towards his or her score. This is an easy way to help your child build credit, as long as all the bills are paid on time.

3. Add your child as an authorized user on one of your accounts.

When a child has little to no credit history, it can be hard to get approved for a credit card. So, adding your child as an authorized user on your accounts can help boost your child’s score without having a credit card on their own. All you need to do is call your credit card issuer and add your child as an authorized user on a specific credit card. The authorized user will then get the benefit of the credit card without the official responsibility. Your child can then work on building his or her credit by using yours.

4. Get a secured credit card or student credit card.

There are certain credit cards that are easier to get approved for and will help your child build his or her score. By getting a secured credit card, you will have to secure your credit line with a deposit. Once the deposit is down, your child can use it exactly as he or she would use a credit card. With a student credit card, your child can easily get approved for a credit card specifically geared towards students. Both of these options are great for people with little to no credit and will help your child build credit fast.

Follow these tips and your child will start building a great credit score at a young age. For more information regarding credit cards or credit questions, access Creditnet:

About Creditnet:

Creditnet is an authority credit card comparison site that offers innovative comparison tools to help users find the best credit card for their needs. In addition, the Creditnet Credit Talk Forum is a community of over 100,000 members that discuss credit cards, credit, debt, and credit repair daily.

Credit Card Debt consolidation information, How to get out of credit card debt

February 16, 2014 by  
Filed under Debt & Credit Free

If you are online looking for: – Debt Management Tips – how to get out of credit card debtcredit card consolidation – credit card relief – free credit rep…
Video Rating: 4 / 5

Visit, for more free tips on finances, life, and career. 9 Ways to Pay Off Debt – Cached The Motley Fool – Snowballi…
Video Rating: 3 / 5

5 Tips for Becoming Debt Free in 2014

February 8, 2014 by  
Filed under Debt & Credit Free

5 Tips for Becoming Debt Free in 2014
We have too much debt in the country, our government’s spending has reached record levels and consumers have racked up more than $ 115 billion in credit card debt in the past three years alone. Let’s make 2014 the year that changes that! Americans’ debt …
Read more on Fox Business

National Debt Relief Give Consumers Tips Before Getting An Auto Loan
Debt ridden consumers looking for debt help can simply look at their website to get relevant information about debt relief. Share on Twitter Share on Facebook Share on Google+ … Resolve Your Credit Card Debt Problems. Debt is hard to ignore. When you …
Read more on PR Web (press release)

Better Business Bureau offers tips for credit card debt
Bills from the holidays are starting to show up and many Calgarians are finding themselves in the position of being buried in a mountain of debt. The Better Business Bureau, in partnership with Clearpoint Credit Counseling Services, is providing some …
Read more on CTV News

The Debt-Free Millionaire : Winning Strategies to Creating Great Credit and R…

December 25, 2013 by  
Filed under Debt & Credit Free

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