http://creditfederal.com/article en-us http://creditfederal.com/article N/A article@creditfederal.com Wed, 16 May 2012 21:30:32 CDT 20 http://creditfederal.com/article/articles/423/1/Christmas-Credit-Card-Bills Combat high credit card bills due to Christmas charges. Balance transfer to a 0 intro card. Credit Federal Mon, 02 Jan 2012 00:00:00 CST http://creditfederal.com/article/articles/79/1/Free-Bankruptcy-Forms Online, US court free bankruptcy forms to file chapter 7, chapter 11 and chapter 13 bankruptcy. Credit Federal Fri, 10 Jun 2011 00:00:00 CDT http://creditfederal.com/article/articles/78/1/File-Bankruptcy How to file bankruptcy. Chapter 7, 11 and Chapter 13 bankruptcy and get free bankruptcy forms. Credit Federal Fri, 10 Jun 2011 00:00:00 CDT http://creditfederal.com/article/articles/22/1/Credit-Counseling-or-Filing-Bankruptcy%3F Is your unsecured debt so high that you want to file bankruptcy? You may want to think again, or be prepared. Bankruptcy will likely cause you to have to:   Deal with attorneys  Be questioned by creditors  Expose your financial weakness to the public  Potential embarrassment  A lengthy ordeal  Attorney fees  Court and filing fees And, you should be aware that filing bankruptcy won't get you out of:  Alimony & child support  Back taxes & student loans  Recently made purchases for substantial amounts  Properly executed contracts involving titles or liens Credit counseling offers are far more appealing alternative, which you can do from the comfort and privacy of your own home without the hassle of attorneys, court appointments and bankruptcy judges.Free Credit Counseling Quote - Click Here David Wed, 08 Jun 2011 00:00:00 CDT http://creditfederal.com/article/articles/16/1/Search-but-can%26%2339%3Bt-get-approved-for-a-bad-credit-card-or-loan%3F Search but can't get approved? Denied for a credit card? 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Credit Federal Wed, 15 Jul 2009 00:00:00 CDT http://creditfederal.com/article/articles/673/1/Free-Credit-Fraud-and-Scam-Protection-Tips Free tips on how to protect yourself against credit fraud, identity theft, credit card skimming and phishing scams, and where to report fraud. Credit Federal Thu, 09 Jul 2009 00:00:00 CDT http://creditfederal.com/article/articles/669/1/Teach-Kids-Money-Management In addition to other bad habits, teens also need to stop wasteful spending. Read our free tips on how to teach kids money management, encourage them to save for college expenses and more. Download our free money management software to track expenses. Credit Federal Fri, 19 Jun 2009 00:00:00 CDT http://creditfederal.com/article/articles/657/1/Teen-Money-Tips Teach your teen kids the woes of bad money management by reviewing these free tips. Credit Federal Wed, 13 May 2009 00:00:00 CDT http://creditfederal.com/article/articles/647/1/File-Bankruptcy-or-Survive-Credit-Crisis Although government laws make it tougher to file bankruptcy, the number of filings has increased due to the credit crisis. Here are free credit tips on how to survive. Credit Federal Thu, 16 Apr 2009 00:00:00 CDT http://creditfederal.com/article/articles/644/1/Retirement-Planning-Tips Review these retirement planning tips to help you save money for your golden years. Credit Federal Thu, 19 Mar 2009 00:00:00 CDT http://creditfederal.com/article/articles/640/1/Free-Bank-Checking-Account-Advice Review basic facts and our free bank checking account tips to find the best online banking for you. Credit Federal Tue, 24 Feb 2009 00:00:00 CST http://creditfederal.com/article/articles/635/1/Find-A-Bad-Credit-Loan Where can you find a bad credit loan; or even a bad credit card for that matter? 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Credit Federal Wed, 07 Jan 2009 00:00:00 CST http://creditfederal.com/article/articles/599/1/Basic-Credit-Education Basic credit education so you'll know how your credit report score affects you approval for secured or unsecured loans, acceptance for secured, gold or platinum unsecured credit card offers, the interest rates and terms for home and auto loans and so forth. Credit Federal Thu, 16 Oct 2008 00:00:00 CDT http://creditfederal.com/article/articles/597/1/Credit-Protection-Government-Laws The troubled economy and bad credit crisis has many Americans wondering what government laws offer consumer credit protection. 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Credit Federal Tue, 27 May 2008 00:00:00 CDT http://creditfederal.com/article/articles/480/1/How-To-Write-A-Check Example of how to write a check from your personal bank checking account, plus free tips to prevent scammers from committing fraud by changing check Pay To and amount information. Credit Federal Tue, 27 May 2008 00:00:00 CDT http://creditfederal.com/article/articles/472/1/Create-A-Budget-And-Save-Money Free tips on how to create a budget for your personal finances, and ideas to help you save money before you retire. Credit Federal Thu, 15 May 2008 00:00:00 CDT http://creditfederal.com/article/articles/459/1/Free-Money-Gov-Tax-Rebate-Check Got your free money check? Financial tips and advice on how to get the most benefit from your government IRS tax rebate. Credit Federal Thu, 08 May 2008 00:00:00 CDT http://creditfederal.com/article/articles/442/1/Secured-Unsecured-Low-Interest-Loans Low interest rates abound, for both secured loans and unsecured loans. 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Credit Federal Fri, 28 Sep 2007 00:00:00 CDT http://creditfederal.com/article/articles/362/1/Credit-Card-Poor-Consumer-Practices Are credit card companies engaging in poor consumer practices or are their fees and interest rates justified? Credit Federal Thu, 20 Sep 2007 00:00:00 CDT http://creditfederal.com/article/articles/361/1/ATM-Card-Bank-Fees Eliminate ATM card bank fees and lower your credit card statement charges. Credit Federal Thu, 20 Sep 2007 00:00:00 CDT http://creditfederal.com/article/articles/358/1/Top-Tips-to-Save-Money Spouses: Improve your joint household budget; the top tips on how to save money and to be prepared for life's expenses. Credit Federal Fri, 07 Sep 2007 00:00:00 CDT http://creditfederal.com/article/articles/350/1/Bad-Credit-Score-Breakdown A breakdown of how; and why, a bad credit score is issued by a reporting bureau. Credit Federal Wed, 15 Aug 2007 00:00:00 CDT http://creditfederal.com/article/articles/349/1/Key-Tips-for-Online-Banking-Accounts Online banking via banks exclusively on the internet can offer the best service with high rates and less fees. Credit Federal Mon, 06 Aug 2007 00:00:00 CDT http://creditfederal.com/article/articles/345/1/Top-Personal-Finance-Tips Attitude and behavior are among the top personal finance tips. Credit Federal Thu, 02 Aug 2007 00:00:00 CDT http://creditfederal.com/article/articles/323/1/Badder-Bad-Credit Don't let your bad credit get badder. Read our credit consumer tips. Credit Federal Sun, 05 Nov 2006 00:00:00 CST http://creditfederal.com/article/articles/305/1/Free-Reminders-to-Pay-Bills Maintain and improve credit. Use our Free Email Reminders to Pay Bills. Credit Federal Sun, 08 Oct 2006 00:00:00 CDT http://creditfederal.com/article/articles/300/1/Dispute-Credit-Card-Charge Don't pay for fraud or credit card errors. Dispute a credit card charge. Credit Federal Thu, 28 Sep 2006 00:00:00 CDT http://creditfederal.com/article/articles/270/1/Finance-and-Women American women are becoming better educated and career oriented, and worry more about their financial future. Credit Federal Wed, 06 Sep 2006 00:00:00 CDT http://creditfederal.com/article/articles/258/1/Teach-Children-Value-of-Money Free Tips on how to teach children the value of money in a fun, learning way. Credit Federal Tue, 18 Jul 2006 00:00:00 CDT http://creditfederal.com/article/articles/257/1/Household-Expenses-Personal-Budget-Software With our free financial software to identify household expenses, you can create an accurate personal budget. Download online. Credit Federal Tue, 18 Jul 2006 00:00:00 CDT http://creditfederal.com/article/articles/249/1/Your-Finances-and-How-to-Save How to Save - Get Control of Finances Credit Federal Wed, 21 Jun 2006 00:00:00 CDT http://creditfederal.com/article/articles/224/1/Free-Personal-Finance-Software CreditFederal.com offers free personal financial software with a balance calculator, bank checking account statement manager, bill payment reminder, plus a credit score.Trouble with checkbook balancing? The software can help you locate all debits and credits, so you can match your checking account ledger against the Personal Finance Center ledger. Balancing your checking account couldn't be easier! Someone claiming you didn't pay a bill? With the easy sort function, you can located debits by Type, and/or by Date to make it easier for you to dispute. Where'd your money go? With our software, you can easily view how much you spend on utilities, insurance, and other types of categories. Our software offers an easy money manager. Manage personal expenses, checkbook entries and more with our free software, which you can download online in just minutes.Free Personal Finance Center Download Credit Federal Sat, 06 May 2006 00:00:00 CDT http://creditfederal.com/article/articles/197/1/Financial-Tips-and-Education Credit Federal agrees that U.S. consumers should be offered complete and easily understandable financial education and tips. Credit Federal Thu, 30 Mar 2006 00:00:00 CST http://creditfederal.com/article/articles/145/1/Financial-Management-Quiz How much do you know about credit cards and managing your personal finances? Take this financial quiz. Credit Federal Wed, 22 Feb 2006 00:00:00 CST http://creditfederal.com/article/articles/140/1/Marriage-and-Divorce Getting Married or Divorced? Changing your name? How these situations may affect you financially. Credit Federal Wed, 15 Feb 2006 00:00:00 CST http://creditfederal.com/article/articles/133/1/Keeping-Your-Home-After-Retirement By DAMON DARLIN Published: January 21, 2006 CAUTION: Reading this article may provoke self-inflicted slaps to the head and utterances of "Why didn't I do this five years ago?" Credit Federal Fri, 27 Jan 2006 00:00:00 CST http://creditfederal.com/article/articles/122/1/Financial-Resolutions Financial Tips: A new year can mean self-promises to organize your files, fix your credit and start a rainy-day fund to save money. Credit Federal Mon, 09 Jan 2006 00:00:00 CST http://creditfederal.com/article/articles/117/1/Lower-Credit-Card-Interest Tired of paying high interest rates on your current credit card? Read this article for three (3) solutions to lower credit card interest: Credit Federal Wed, 07 Dec 2005 00:00:00 CST http://creditfederal.com/article/articles/101/1/Pay-Credit-Card-Bill Pay your credit card bill, and other bills, ontime with our free online reminders. Credit Federal Mon, 14 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/95/1/Credit-Card-Statement Read our article to learn how to read a credit card statement so you can understand fees, dispute charges, detect fraud and identity theft. Credit Federal Tue, 08 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/94/1/Bank-checking-account-statement Our free article will teach you how to read a bank checking account statement. Credit Federal Tue, 08 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/93/1/Balance-CheckBook Our article will teach you how to balance a checkbook. Credit Federal Tue, 08 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/85/1/Report-Credit-Fraud Report credit fraud.  You can prevent credit fraud if you secure your documents, review your credit report, and report credit card fraud the instant it occurs. Credit Federal Mon, 07 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/83/1/Divorce-Credit-Bills In divorce proceedings? If joint credit is primarily in your spouse's name, you may find it difficult to obtain credit alone. Read our article. Credit Federal Mon, 07 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/82/1/Spot-Counterfeit-Money Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report.  Credit Federal Mon, 07 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/81/1/Create-Will Learn how to create a will for your estate with no fees and how to establish a living will. Credit Federal Mon, 07 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/80/1/Plan-Retirement To maintain your standard of living after retirement, you'll need about 70% - 90% of your pre-retirement income. Start your retirement plan today. Credit Federal Mon, 07 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/48/1/Financial-Calculators Free financial calculators to help you balance and create a budget, estimate loan interest, calculate credit card payments and payoff, and other useful calculators. Click the "Read Article" button below. Credit Federal Fri, 04 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/7/1/Bad-Credit-Teens-Establishing-Credit Article: Bad credit teenagers establishing good creditMost credit consumers know exactly what they did to deserve a bad credit score, such as getting deep into debt or not paying bills on time. When parents teach children how to avoid the personal mistakes they had made in life, they should also include credit education.It wasn't until about the fourth time that I gave my teenager an allowance advance that I realized I was nurturing her to become a bad credit consumer. Living free at home with no bills to pay, how would she balance a budget when she moved out on her own? Would she continue to borrow money in advance because she spent it all between paydays? Worst, would she constantly borrow money from me when I retire and live on a fixed income?Over the years I had lectured her on the value of money, but I never explained to her the impact spending freely can have on her future needs--- getting credit for a home or auto loan, a low interest credit card, and even for securing a good paying job.So when she asked for the latest allowance advance, you can imagine the shock on her face when I said it would cost her 20%, or she would have to wait until her next allowance. Naturally she asked why, and how I proceeded to educate her may be helpful to other parents.First, I asked her to describe the home she would live in, the car she would drive, and how she would spend vacations when she was grown-up and on her own. After hearing her detail the enormous home, fancy sport cars and tropical vacations, I knew I had a task ahead of me. I needed to educate her without extinguishing her aspirations.I asked her if any of her fellow teenagers constantly borrowed money from other teenagers. She said yes, and I asked her if she ever loaned money to any of her friends. She stated no, because it was hard to get the money back. I then asked her if she were a bank president and one of her money-borrowing friends came to her for a home loan, would she approve it? No way, was her reply, and it was clear that she grasped my point.I then asked if she was a company president, would she hire a person who squandered paydays to manage her company's funds? No way, she responded again.We then used a budget calculator to estimate how much money she would need to earn per month to buy the big home, sports car, and to take Hawaiian vacations every year. We also added other monthly expenses (groceries, clothing, insurance, utilities, etc), and totaled these figures. An easy way to do this is to use the free budget calculator at:http://www.creditfederal.com/household-personal-budget.htmlAfter seeing how much money she would need to earn, I asked her how would she achieve it, with her current bad credit history of borrowing money in advance? Who would give her a good paying job, and who would loan her money? Naturally she thought life was unfair and that it shouldn't cost so much to live and to buy things. I assured her she could achieve all that she desired, but not to rush. She had to live within her budget, save money instead of squandering every payday, get a good education and prove to employers and creditors that she responsibly handled money.She now uses the budget calculator to estimate her future financial and lifestyle abilities when she works her way through college, and when she gets her first career job. She knows that initially she won't be taking as many vacations as she'd hoped and the sports car may have to wait, but she's still motivated to achieve those luxuries. And, just like a grown-up consumer rebuilding bad credit into good, she asked if I would pay HER interest whenever I was late paying her allowance. Credit Federal Mon, 10 Oct 2005 00:00:00 CDT