Credit and Debt

We are all aware that lenders routinely consider our credit report when we apply for credit. We would only expect them to. But do you realize that your credit report can be seen by others… 

Your credit score is the three-digit number that lenders obtain from a credit bureau in an attempt to sum up your credit risk. Your credit score gives lenders a snapshot of your credit and debt… 

It’s funny that many of us moved out of our parent’s home and proceeded to live our grown-up lives without ever learning much about financial responsibility and money management. I remember taking a semester in… 

“We can erase bad credit!” “Create a new credit identity!” “Remove bankruptcies, judgments, liens, bad loans from your credit file forever!” We all want to improve our credit. Whether we have excellent credit or shaky… 

Bankruptcy is a federal court process designed to help consumers repay their debts under the protection of the bankruptcy court, or possibly eliminate the debts altogether, depending on which type of bankruptcy is filed for.… 

You have a lot of debt. There may be high medical bills, loss of a job, divorce, or other unforeseen circumstances, which caused your bills to get the best of you. Your mortgage and car… 

Your credit score is the three digit number lenders look at to determine whether they will grant you credit, and at what price. This number tells lenders how well you’ve handled your past and current… 

Buying things on credit is the American way. Many consumers don’t even carry cash; it’s safer and more convenient to swipe a card than to pull out cash and wait for change. If you lose… 

Life is unpredictable. We might get into situations we hadn’t planned for. Job loss, medical emergencies, divorce, or just living beyond our means can get us into financial trouble. No matter what causes our bad… 

Credit = convenience We live in a consumer-driven society. We enjoy nice things like cars with more options and big houses. If we all had to work and save until we could pay cash for…