http://creditndebthelp.com Credit, Credit Repair, and Debt Management Fri, 04 Dec 2009 18:23:03 +0000 http://backend.userland.com/rss092 en In today's tough economic times, with the epidemic of job losses, foreclosures, credit card defaults, and bankruptcies, a growing number of people are finding that their credit is in need of improvement. Unfortunately, many of these people don't feel that they can afford to get professional credit repair help, and ... http://creditndebthelp.com/credit-repair/should-i-try-to-fix-my-credit-myself/ The Credit CARD Act of 2009 is being welcomed by many consumer advocates because it establishes a number of new regulations that will protect consumers from some of the unsavory practices of the credit card industry. There are a number of different ways in which the protections provided by ... http://creditndebthelp.com/featured/how-the-credit-card-act-of-2009-will-save-you-money/ Credit cards are a wonderful convenience because they offer us the freedom to buy something now and pay for it later. Unfortunately, many people use them to buy more than they can actually afford, and before they realize it, all the different purchases have snowballed into a massive amount ... http://creditndebthelp.com/debt-management/three-ways-to-get-a-handle-on-credit-card-debt/ In May of 2009, the U.S. Congress passed the Credit Card Accountability, Responsibility and Disclosure (or Credit CARD) Act. While certainly not everything that consumer advocates have wanted, this new law offers a number of valuable safeguards for credit card users. In this article I will briefly ... http://creditndebthelp.com/credit/the-credit-card-act-of-2009-good-news-for-consumers/ Although there seems to be much greater awareness now about the importance of checking our credit reports periodically, many people still aren't sure about exactly how to monitor their credit. In this article, I will identify three different ways in which consumers can monitor their credit, and I will also ... http://creditndebthelp.com/credit/how-to-monitor-your-credit-report-the-advantages-and-disadvantages-of-three-different-strategies/ Are you monitoring your credit on a regular basis? If not, then you should be. There are two main reasons why it is so important that you do so. First of all, regular monitoring is advisable in order to ensure the accuracy of your credit report. The information contained in your ... http://creditndebthelp.com/credit/why-you-should-monitor-your-credit-report-on-a-regular-basis/ By Art Garmon, Ph.D. Because credit scores have become such an integral part of our financial lives, it is important that we understand what they're all about. Unfortunately, however, one survey has revealed that there are many Americans who don't really understand credit scores or how they work. In this article ... http://creditndebthelp.com/featured/how-to-improve-your-credit-score-common-myths-and-misconceptions/ How do you know whether or not you need credit repair? Well, if your applications for loans and credit cards are being turned down repeatedly, then obviously your credit needs fixing. For many people, though, the need for repairing their credit is much less obvious. Credit scores range between ... http://creditndebthelp.com/credit-repair/do-i-need-to-fix-my-credit/ By Ian Stanton Do It Yourself Debt Settlement also known as Self Help Debt Settlement is a viable alternative to resolving your debt. The dirty little secret Debt Settlement Companies do not want you to know is: They charge you thousands of dollars for a service that you can accomplish yourself. ... http://creditndebthelp.com/debt-management/do-it-yourself-debt-settlement-a-viable-alternative-to-debt-settlement-companies-or-bankruptcy/ Jump In With Both Feet The moment you make the decision to start the credit repair process you will feel great; empowered, light, and hopeful. For many people it is a hard step. There may be uncomfortable emotions associated with past credit issues, and revisiting old events can be difficult. But ... http://creditndebthelp.com/credit-repair/credit-repair-the-time-for-action/