Know The Rules of Credit Repair


Numerous credit repair companions today claim eternal protection from bankruptcies, judgments, liens, and bad loans from credit files. There is even a most suspicious assertion of permanent erasure of bad credit from one’s finances. Be careful of how you decide with credit repair services. If you’re careless, you will be caught in mere sickly sweet promises that ensnare the unknowing naive clients […]

Turned Down: What to Do When You Can’t Get a Loan


It is frustrating and disappointing when you are turned down for a much-needed personal loan, but you should certainly not give up trying to obtain the financing that you need and instead concentrate on some positive action that you can take to find out the reasons you were refused and how to try and improve […]

How to Clean Up Your Credit Report


With the explosion of job losses, foreclosures and bankruptcies in the past few years a lot of people now have to deal with damaged credit profiles. Once sparkling credit reports are now littered with derogatory information that not only makes it difficult to get new credit, but it can also have a negative impact on […]

Should Christians Stay Completely Out of Debt?

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This is a sticky subject for Christians—or at least a very gray one—and it opens up a host of uncomfortable questions. In a world that runs on credit, how much should a believer take on? Should we go into debt at all? Is it possible for us to borrow money on a continuous basis and […]

Is It Possible To Give Too Much?

Personal Finance

Can we ever give too much—to church, to charity, to other people? Usually the question goes in the opposite direction—we don’t give enough. I’ll admit that on the surface this question seems almost ridiculous, but it is actually possible to give too much. Also, we have to be careful that we don’t attach subjective numbers […]

Consolidating Debts With Bad Credit: Can It Be Done?


(Author’s Bio: Valerie Anne Reyes is an in-house writer from Franklin Debt Relief, a company specializing in programs for people with high credit card debt.) The problem of credit card debt is a common one shared by millions of people. This problem is one that some people have managed to endure without seeing much impact […]

Identity Theft Protection: What You Should Do

Personal Finance
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Identity theft is when someone uses your personally identifiable information (like Social Security number, financial account numbers, credit card numbers, etc.) to commit crimes or fraud. Identity theft is a growing crime these days, and it’s important to know about identity theft protection so you can guard against unwanted compromises with your financial information. Below […]

How to Win the Fight Against Your Own Worst Enemy

Personal Finance
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Ever feel like you are your own worst enemy! I confess I do. In college I definitely was! In fact, a free t-shirt is all it took. It was as if the smiling face on the other side of the table assured me that a credit card would be the first step toward freedom for an […]

Your Guide to Personal Wealth, Happiness & Debt

Personal Finance
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You don’t have to be a millionaire to be happy with your finances. Being content with your personal wealth is as much about being in control of your money as the actual amount you have in your account: having a comfortable, well-managed budget, spending wisely, and keeping on top of any debts you may have. […]

Why Is It So Hard To Pay Off Debt?

Pay Off Debt

When trying to pay off debt, there are a lot of different obstacles that you must overcome. For some people, they are able to look past every roadblock, and focus on the finish line. For others, these things can cause them to get discouraged and give up, resigning themselves to a lifetime of debt! 4 […]

Personal Credit Cards VS Small Business Credit Cards for Starting a Business

Credit Cards
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Starting a business necessarily involves significant amounts of capital spending. The industry, and the product or service the business seeks to provide, may dictate purchasing equipment, factory or office space and hiring employees. Entrepreneurs who want to start a business and work at building it full-time have little choice but to go into debt. The […]

5 Ways to Fix Bad Credit

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If you have bad credit right now, you probably already know it’s no way to live. These days, bad credit doesn’t just influence your ability to get approved for credit cards and loans.  It also affects your insurance rate, whether you get approved for an apartment lease, and can even prevent you from getting a […]