Finance and Credit Professional

Debt repair companies can do wonders for some consumers but as with all things associated with money, consumers should be careful before signing up.Consumers should begin by understanding that there are differences between credit counselors and credit repair companies. A credit repair company will probably have some person or persons who act as counselors in [...]

It is nearly impossible for anyone to attend college these days without having to rely on some form of credit and financial aid. The cost of college has skyrocketed over the last few decades and without credit in the form of student loans many people simply would not be able to attend. The costs would [...]

Sometimes we get caught up in the illusion that it is okay to let our credit payments go late sometimes. Sure, the interest rates go up, and you will probably have a harder time paying next month's bill because of it, but hey, right now, you have no worries, right? Wrong. Something [...]

Most people will agree than a college degree is the most important factor in securing your future. Receiving an education from a college or university allows you to have a career that might otherwise be out of your reach. One of the stumbling blocks many prospective students come across is finding the funds [...]

One of the more important factors for someone who is thinking about applying for a credit card is what is called the annual percentage rate or APR. Now, of course, many people who end up with credit cards did not consider the role of the APR in the costs that would be associated with the [...]

Floundering in debt can leave you discouraged and feeling helpless. In fact, thousands of other people are going through the exact same thing and looking for answers. So what can you do? Where can you turn when you need assistance to find a way out of enormous debt? This is often [...]

There may be times when you get a negative report from the credit reporting agencies. This can have a huge impact on whether or not you get a loan or even a particular job. If this happens to you, there are some things that you can, but you must first know the law.First of all, [...]

Since there are so many Americans who are dealing with various levels of debt, it can often be a difficult task to determine how serious your own debt troubles really are. One of the major reasons this is true is that people just don't know how to read the signs. You also need [...]

Mortgage lending peaked over the course of last month, the publication of a new set of figures has indicated.According to a study released by the British Bankers' Authority (BBA), some 19.7 billion pounds was issued via secured loans over the course of May - the highest level of new business recorded since November. The growth [...]

Most consumers have heard of Chapter 7 bankruptcy but there is another type known as Chapter 13. This article details some of the differences between the two and how they may affect someone who has to file.There are many differences between Chapter 7 and Chapter 13, but the main difference between Chapter 13 and Chapter [...]