The date of first delinquency dictates when negative credit information must be removed from your credit reports. This can make reading credit reports difficult, since credit accounts specify the date of last activity instead of the date of first delinquency. Continue reading
Archives
How to Get Tax Relief: Scams and Reviews
Income tax debt is one of the more difficult types of debt to deal with. After all, the government has a way of securing any debt, and they will often collect their taxes before you get a chance to pay your other bills. If you are looking for income tax relief, how do you know who to trust when so many tax relief scams are operating? Continue reading
How to earn lower interest rates on credit cards
Believe it or not, you must earn lower interest rates through responsible financial behavior. To earn lower rates, you first need to know what lower rates you deserve based on your creditworthiness and financial status. To improve your prospects, you might need to make some changes to your financial habits so that you can earn better rates. Finally, you need to know how to follow through so that you can take advantage of those lower rates. Continue reading
Why you should avoid bad timeshare deals
Bad timeshare deals are usually initiated through nefarious methods such as unsolicited faxes or telemarketing calls. Usually an enticement is involved such as a free two-night resort stay.
As a precondition for getting a free vacation you are forced to sit through a 4 hour meeting where the sales representatives pitch their timeshare to you. These high pressure sales situations can and make you feel obligated to purchase something because you received a free vacation. Once you purchase a time share it can be nearly impossible to get out without taking a huge loss. Continue reading
How to File Taxes for Free
Personal income taxes are a terrible chore for most of us. Tax filing season comes once a year and many of us decide to wait until the last minute to file.
Why do we hate filing taxes so much? It can be confusing, we may owe money and we dread having to pay someone hundreds of dollars for half an hour of work. Filing taxes doesn’t have to be so bad. Here are some ways to get relief. Continue reading
A Debt Collection Lawsuit Can Protect your Rights
Sure you are tired of receiving harassing phone calls and threatening letters, but who are you to file a debt collection lawsuit? For one, you are a debtor with rights guaranteed by the Fair Debt Collection Practices Act (FDCPA). Continue reading
Cautious approach to applying for new credit
Lenders want to see proof that you can handle credit before they extend new credit. The obvious question is, how do you get credit if you have no credit? Continue reading
335,000 Amex cardholders to receive $59.5 million in restitution
With an average refund of $177, the 335,000 American Express cardholders who will be receiving restitution can celebrate the newest action of the Consumer Financial Protection Bureau (CFPB). Continue reading
What is a debt settlement plan?
A debt settlement plan is a mostly ineffective solution to dealing with high interest debt. Debt settlement plans are administered by for-profit debt settlement companies that routinely violate federal laws regarding deceptive trade practices. While action by the Federal Trade Commission is still pending, many states’ Attorneys General have filed multiple lawsuits at some of the largest debt settlement providers. Continue reading
Data reportedly being used from Target credit card breach
Target customers who used a credit or debit card at the register from November 27 – December 15 may be the next victims of debit and credit card fraud. Continue reading
powered by PFN Design Studios