A good credit score has its perks. Credit card companies may send you interest credit card offers with a 0% interest rate. But if your credit report gives them a less favorable credit history on you, you may still receive lower interest rate credit card balance transfer offers in order to tempt you to transfer one or more balances over to their credit card. But beware…
What You Should Know About Balance Transfers
Credit cards are big business for financial institutions. After checking your credit report and credit score, financial institutions may …

What is a Credit Report?

If you have applied for credit, be assured there is a credit report on you including where you live, date of birth, place of employment, income, and whether you pay your bills on time or not. It is very detailed. Your credit report is used to evaluate your debt-to-income ratio and you as a credit risk. There are three separate credit bureaus (Credit Reporting Agency) that create the reports: Experian, Equifax, and TransUnion. The credit bureaus are in business to earn a profit by selling your …

Help with Debt Relief
Everyday we have choices to make. Serious choices, not which pair of shoes to wear or what TV show to watch. Difficult choices such as which bill to pay and which to not. Such decisions are stressful when it comes to paying your rent or mortgage so your family will have a place to live or making the car payment so you can get to work in order to keep your job so you can earn the money to pay your bills…and the cycle continues. Your decisions …

Making Home Affordable Program
The Making Home Affordable Program helps homeowners who have fallen behind in their payments for reasons out of their control.
I have a family members who became delinquent in paying their mortgage. Unknown to them as first time home buyers, they had been taken advantage of by the irresponsible financial industry.  Now it was all catching up to them even though the husband was working three jobs, 6 days a week. Their third baby had been born a few months before so she was unemployed. Their taxes went …

With the growth of the Internet has come an increase in the number of ways to find help. There are blogs such as this one that help you find ways to help save money and time, make life easier, learn how to do things for yourself, and give you resources that can extend that help.
In today’s economy money is tight now…soon money will be scarce for far too many. If your state is in a similar financial mess as New Jersey’s, you know what I’m referencing. We have a new …