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Buying a Used Car

January 8th, 2018 (No Comments)

You should know what the fair market price of a used car is before you buy the car.  The fair market price is based on several factors, including mileage, options and the condition of the car.  To find out a car’s fair market price, try these websites: www.edmunds.com www.nadaguides.com www.kelleybluebook.com

Getting Rid of Debt From Your Credit Report

December 27th, 2017 (No Comments)

You can try to dispute items on your credit report.  The dispute process can be time consuming, and you may not get any results even after months of trying.  Sometimes the only way to get rid of debt is to file a bankruptcy.  For many people, filing bankruptcy is the fastest and cheapest way to […]

Want to Buy a House? Starting Point

December 14th, 2017 (No Comments)

If you want to buy a condominium or a house, one of the first steps is to look at your credit report and your credit score.  These are two different things.  Your credit report is an actual report that is a few pages long.  Your credit score is a number, usually a 3 digit number.  […]

Student Loan Payments

December 5th, 2017 (No Comments)

One of your best chances for getting affordable payments on your federal student loans is to apply for an income based repayment plan.  Your monthly payment could be as low as $0 per month if your income is low enough.  Remember: this only applies to federal student loans, not private student loans.  Go to this […]

Payday Loans

November 22nd, 2017 (No Comments)

Payday loans are usually given in amounts from $100 to $1,000.  You may pay $30 to borrow $100.  With interest rates and finance charges, you may be paying 300% to 750% in annual interest.  The loan will typically be due on your next payday.  If the payday loan is loaded onto a debit card, there […]

Debt Settlement Companies

November 13th, 2017 (No Comments)

Beware of debt settlement companies that do any of the following: They say there is a “new government program” to wipe out debts They guarantee your debts will go away They tell you they can stop all lawsuits

Where to Get Some Advice

November 4th, 2017 (No Comments)

Where to Get Some Advice   The National Foundation for Credit Counseling is a non-profit organization that offers counseling in the following areas: Housing Reverse Mortgages Bankruptcy Student Loans Credit Reports   Their website is https://www.nfcc.org

Summons and Complaint

October 28th, 2017 (No Comments)

If you get served with a Summons and another court document, such as a Complaint, take the matter seriously.  Generally, you only have 20 days to file something with the court.  If you get a Summons served on you, you should contact a lawyer to see what the case is about and what you need […]

Employment Credit Checks

October 15th, 2017 (No Comments)

An employer could run a credit check on you when you apply for a job.  Usually, this is done for jobs that handle money, like banking or accounting.  Under the Fair Credit Reporting Act, the employer has to notify you in writing and get your written authorization before they can run your credit report.  Your […]

Credit Card Fraud Alerts

October 6th, 2017 (No Comments)

You can ask your credit card company to set up a fraud alert so that you can be notified by e-mail or text when there is a charge over a certain amount.  But some fraudulent charges are made in small amounts.  The criminal could buy $5 worth of snacks just to see if your credit […]

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