Archive | Finances RSS feed for this section

Where Can Single Moms Get Financial Help

11. November 2010

0 Comments

dollar

As a single mom who struggled for so many years, I’m no stranger to the humbleness of asking for help.

Continue reading...

Track Your Income and Expenses

28. July 2010

0 Comments

spreadsheet

I subscribe to the Get Rich Slowly Blog and they have some really interesting ideas. Today they are reviewing free money-management spreadsheet that they came across. It’s worth checking out.

Continue reading...

Getting Credit for the First Time

6. July 2010

0 Comments

credit cards

Having no credit history can be just as challenging as having a damaged one. Unless you’re a student who has been inundated with offers for college cards, you may find it difficult to establish the credit history you need. Here’s how to establish credit, and how to keep it in good standing.

Continue reading...

What is a Credit Service Company?

22. June 2010

5 Comments

credit and debt

Credit Service Companies, also known as credit repair companies, help consumers improve credit reports, for a fee. You need to understand what these companies do so you can make your own decision whether it’s an option you want to try.

Continue reading...

How to Dispute Credit Information–Part Four

6. June 2010

0 Comments

debt

How to Challenge a Public Record Entry, How to Challenge Unauthorized Inquiries, Common Mistakes that are Accurate and Missing accounts.

Continue reading...

How to Dispute Credit Information–Part Three

4. June 2010

0 Comments

credit card

If you have already noted any errors in your personal information now go through and carefully review each account that appears on your credit report for accuracy, consistency and completeness. You may want to do this more than once to make sure you don’t miss anything.

Continue reading...

How to Dispute Credit Information – Part Two

3. June 2010

0 Comments

jumping credit card

The Fair Credit Reporting Act, the law that governs credit reporting agencies, states that anyone who furnishes information to a credit reporting agency cannot report information it knows or consciously avoids knowing is inaccurate. So you have a couple of choices for disputing a mistake: either contact the credit reporting agency or go directly to the lender. You should always file a dispute with the credit reporting agency, but also consider whether you should go directly to the creditor too. Here are some guidelines for choosing which approach to take.

Continue reading...

How to Dispute Credit Information – Part One

1. June 2010

4 Comments

credit report

It can take a while to get your credit report cleaned up and it can be a grueling, tedious, and time-consuming process. I know because I have done so twice in my lifetime and learned valuable lessons. There is a lot of information to cover so this will be a four part series. Here [...]

Continue reading...

How the Credit Reporting Agencies Work

11. May 2010

4 Comments

Your credit report is a look at of how you’ve paid your bills in the over a period of time. There are mainly two types of credit reports: those provided to businesses and those provided to consumers. It’s basically the same type of information, but it is presented in different formats for each use.
Credit [...]

Continue reading...

Financial Aid for College or Payoff Student Loans

3. May 2010

1 Comment

degree

Upromise is a great program to help save for college expenses or pay off student loans. You can even ask freinds and families to tie their account to your child. You can save with your current spending habits at grocery stores, restaurants and online shopping. It’s free to join so there is no reason not to check it out.

Continue reading...