5 Drawbacks of Moving Abroad to Escape Debt

If you’re drowning in debt and are unable to foresee yourself getting out of it then the idea might have popped into your head to move to a different country in order to run away from your debts. There are many people out there who head to Belize, Ecuador, Panama, etc. just to get away from their financial situation. However, relocating abroad isn’t the cure-all to getting out of debt, as financial problems don’t just dissipate. Here are some downfalls that may come your way if you attempt to get out of your debts by moving out of the country.…

   

5 Questions to Ask Yourself Before Saying Yes to Store Credit Cards

It’s a common occurrence to hear the question “do you want to save 15% off your items today?” when shopping at any major retail store. This typically is a way of enticing you to apply for a store credit card. Although retailers want you to make a split-second decision, in reality obtaining a store credit card warrants some thought. There are many things you need to take into account when deciding whether or not a store credit card will benefit your finances. Here are five questions to ask yourself before applying.   Will the Discounts, Promotions and Other Perks Really…

   

7 Tips to Build Good Credit Without Going into Debt

Sadly, a credit score can’t just be immediately boosted back up to a stellar number once it’s been tainted. This is because the credit bureaus take into account your financial history and past behaviors not just present actions. However, if you make the right moves and are also consistent about working to raise your credit score then you can raise your credit score slowly but surely. In fact, there are plenty of easy steps you can take in order to increase your credit score that doesn’t require that you go into debt. Here are seven ways that you can improve…

   

7 Sneaky Credit Card Fees

The credit card companies are trying their best in order to regain the losses they are going to experience as a direct result of the Credit CARD Act that just came into play. Although this act will reduce and prevent various types of fees, the credit card companies are finding ways around the regulations in order to still charge their customers with excessive fees. Here are seven such fees that credit card companies are being sneaky about. Ensure that you look at these thoroughly if you are thinking about obtaining a new credit card, as well as for any updates…

   

How to Fix Your Credit After a Car Repossession

When you’re first driving away with a brand new car, everything may seem just peachy. However, this can all change when something comes up, such as a maintenance issue or a job loss that causes you to stop turning in your car payments. Before you know it you may find your car getting repossessed as a result of all those missed payments. Unfortunately, car repossessions will stay on your credit report for seven years after the original date of delinquency. This can negatively impact your credit for the length of the seven years, however the impact will lessen over time.…

   

Tips for Disputing Fraudulent Credit Card Charges

If you have recently noticed fraudulent credit card charges on your statement, you need to know the proper steps to get them removed. Some credit card companies require you to simply call them to have charges removed, but most of them require a few more steps to be taken. If you found that someone has been charging things to your credit card that you did not know about, follow these simple steps to have them disputed and removed.   Call Your Credit Card Company The best way to start the disputing process is to call the company and explain to…

   

Should You be Using a Credit Monitoring Service?

Identity theft is a very difficult problem to deal with, and one that you’re somewhat powerless to stop. The amount of doctors’ offices, government entities, and credit card companies, etc. that has your sensitive information is probably quite extensive. These institutions have your addresses, Social Security number and even your mother’s maiden name. How are you able to trust each and every person who has access to those electronic and paper records to keep it safe from identity thieves? In fact, how can you be sure that the very people who have access to your information aren’t criminals themselves? This…

   

How to Safely Build Credit From Scratch

If you are just turning of age, or just haven’t gotten around to establishing credit then now is the time to do so. Be aware that your credit report affects almost every financial move that you make, including purchasing a car or home. It could even affect your chance of landing a job, as employers may check your credit report as part of the hiring process. Luckily, starting from scratch when it comes to establishing credit means that you have a clean slate to work from, and the opportunity to begin on a positive note by establishing good credit, and…

   

How Making Extra Payments Affect Loan Amortization

An amortized loan is a loan that you make scheduled periodic payments of both interest and principal. This is unlike those loans that you only make interest payments, balloon payments or negatively amortized payments for. Borrowers who decide to amortize loans are more likely to avoid payment shock than those who decide to take out a loan that isn’t fully amortized. Keep in mind that loans that are not amortized must become amortized at some point over the remaining length of the repayment term of the loan in order to repay the entire outstanding balance. If you have an amortized…

   

Strategies for Dealing with Multiple Payday loans

Payday loans do serve a help to those who are in a difficult situation. When money is needed desperately and no other viable sources are available, a payday loan can aid in overcoming a hurdle. Borrowing, unfortunately, becomes a habit and can get out of hand. Once a borrower has several high-interest payday loan balances owed, the debt can be massive and problematic. Anyone who is in such a situation does need to follow logical advice on how to pay off the various balances.   Cease the Borrowing Cycle:   Stop borrowing. This is probably the most important advice a…

   

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