past die notice in mail consumer wondering if can a collection agency garnish wages
Credit Knowledge

Can a Collection Agency Garnish Wages? Key Missteps You Need To Prevent

If you owe money to a bank or some other finance company, you’ve more than likely received calls from debt collectors. You’ve also probably wondered “Can a collection agency garnish wages?”   Well, they may and you need to know how to avoid key missteps to prevent your wages from garnishment. By the end of June 2017, Americans owed a total of more than $1.3 trillion in student loans. If you’re under age 30, it’s possible you’re one of the four in ten adults with student loan debt. Many others have out-of-control credit card debt. Or in some cases, outstanding medical bills, child Read More…

how to manage my credit card
Credit Knowledge

How to Manage My Credit Card! You Want To See These Key Essentials.

“I Need to Learn How to Manage My Credit Card!” A Financial Guide Have you found yourself saying “I need to learn how to manage my credit card,”?  A credit card can be a wonderful tool for building credit, as well as a great emergency backup plan.  You may need one to rent a car or a hotel, and if you run short on money at the end of the month, it can be a huge help in tiding you over financially. But it should come as no surprise that credit cards can quickly become a major problem. That’s why Read More…

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Credit Knowledge

Difference Between Secured Unsecured Credit Cards? Key Knowledge You Need.

What is the Difference Between Secured Unsecured Credit Cards? You’ve heard all the horror stories of consumers taking on large amounts of credit card debt.  Before applying for any credit it might help to know what the difference between secured unsecured credit cards really means. Just 33% of millennials have credit cards, with many considering themselves deeply distrustful of borrowed money and banks. This is seen as a smart financial choice for many adults, who already have high student loan repayments. However, credit cards can be a great tool to manage your finances and build your credit rating. You have two options: Read More…

young male consumer contemplating credit card debt resolution
Credit Knowledge

Credit Card Debt Resolution: Serious Strategies To Help You Survive

The Ultimate Guide to Credit Card Debt Resolution Are you feeling overwhelmed and looking for credit card debt resolution?  Then you have come to the right place is your search for credit card debt solutions. Owning a credit card can be both a blessing and a curse. On the one hand, having the ability to make a large purchase and pay it off over time can be convenient. Not to mention that credit cards are lifesavers in an emergency situation or while traveling. But owning a credit card can also be a little too convenient. Before you know it, those Read More…

debt consolidation loan application for free debt relief services
Credit Knowledge

Free Debt Relief Services: See What Kind of Relief Services You Need

What Kind of Free Debt Relief Services Are There? Do you need help getting out of debt? Wondering what kind of free debt relief services might be available to you? If yes, don’t fret. It’s becoming increasingly common for middle-class families to be sitting on a mountain of it! Many people don’t realize that getting out of debt may mean taking advantage of free debt relief services. Here’s what you can expect when you start taking inventory of your debt relief options. Are Free Debt Relief Services Right For You? Free debt relief services is often used interchangeably with the term Read More…

first time credit card application
Credit Knowledge

First Time Credit Card Application: Useful Tools To Help You Through It

What to Know About First Time Credit Card Application Are you about to embark on a first time credit card application for a credit card? Is this your first time to apply for a credit card with no credit history? Approximately 200 million individuals in the U.S. use credit cards, and it’s easy to join that number. Credit cards build valuable credit and help you manage your finances. When used right, they can be a critical financial tool for your future success. Filling out your first time credit card application feels intimidating. Even if you confident in your credit card selection, the Read More…

man checking off list indicating what is a decent credit score
Credit Knowledge

What is a Decent Credit Score? Essential Knowledge You Need To Know

What is a Decent Credit Score?  Find Out Here. Scratching your head trying to understand how your credit score is calculated and wondering even more what is a decent credit score? Are you part of the majority of Americans who don’t know how their credit score is calculated? Are you clueless when it comes to determining whether or not you’ve got a good credit score? If so, it’s time to get on top of your finances. Read on to finally get an answer to the question “what is a decent credit score?” We’re also sharing some practical advice to help you improve Read More…

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Credit Knowledge

Credit Help Programs: Reliable Relief Options To Help You Breath Easier

3 Interesting Things About Bad Credit Help Programs Looking for credit help programs that may offer financial breathing room? If you feel like there’s a dark financial cloud following your credit history around, you should know that nearly 35% of Americans have credit problems. In fact, other people have no credit history at all. But an increasing number of financial institutions are developing bad credit help programs designed for people with bruised credit histories. Whether you have debt from a divorce or legal settlement, or overuse of credit, there are options to repair credit. While your debt probably won’t eliminated completely, collection Read More…

sign saying fix your credit with a credit card assistance program
Credit Knowledge

When Do You Need To Use A Credit Card Assistance Program?

Should You Apply for a Credit Card Assistance Program? Households in the US on average have about $16,000 worth of credit card debt. Dealing with credit card debt can be difficult and stressful. It can also be hard to catch up on bills if you are experiencing a financial hardship or sudden medical expense. One little talked about option are credit card hardship or assistance programs. Wondering if you should apply for a credit card assistance program? Keep reading below for all the information you need. The Basics These assistance programs are offered to credit card holders going through difficult times like Read More…

last notice what is a debt validation letter
Credit Knowledge

What Is A Debt Validation Letter:Absolutely Everything You Need to Know

What Is A Debt Validation Letter You get a letter in the mail and read the words: “You owe money. Please pay this debt to avoid a court summons.” These words are scary, and immediately you worry about paying in time to avoid further problems. What if you don’t owe a thing? Before making a payment, it’s crucial you ask for a debt validation letter. Debtors are not above asking for money even if the debt is not yours or you have already paid. Here is everything you need to know about what is a debt validation letter and how to protect yourself Read More…