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 »  Articles  »  Authors  »  Credit Federal
Credit Federal

Personal loan and credit card resource serving millions of good and bad credit U.S. consumers.
Articles by this Author
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» Bad Credit Payday Loan - Good for the Economy
By Credit Federal | Published 10/10/2005 | Payday Loan |

Article: Bad Credit Payday Loan - Good for Consumers and the Economy.

Credit card issuers, banks and other entities cast stones at payday loan lenders because of their fee to interest rate conversion, but payday loans offer a competitive financial service that is beneficial to consumers as well as to the economy.

Bad credit payday loan.

Payday loan

Get your fast cash payday loan with no credit check regardless of bad credit or any credit rating.

It takes only minutes to apply for a no credit check payday loan.


There's no argument that a bad credit payday loan quickly puts money into the pockets of people who are in need of cash, whether for an emergency or to pay a past due bill that's about to go to a collection agency. Payday loan lenders are able to offer cash with minimal requirements, whereas a bank unsecured loan generally won't approve bad credit people because they perform a credit check, and they have a longer application form and may even require collateral; such as savings account or an auto title loan, and may even demand a cosigner.

Not only does a payday loan offer consumer cash conveniences, but it can also be beneficial to the economy. Even a small payday provider typically employees three people, rents an office in the community and becomes part of the financial infrastructure, as well as pays federal, state and local taxes. Just as with any business, they require support services which fuels jobs.

But that's only the beginning of the perceivable benefits...

Part of the equation lenders use to calculate interest rates is the percentage of risk involved. As more consumers default on credit obligations or make late payments, the likelihood of interest and fees rising increases. Instead of being delinquent on a bill payment, consumers who were rejected by their bank may obtain a payday loan and use those funds to avoid late fees, interest or other charges, and prevent a derogatory entry on their credit report.

For example: One major credit card issuer charges a $39.00 late fee for a $1,000 delinquent payment. Worse, the issuer may raise your card's interest rate, and make a bad credit report entry which can affect your interest rates with other creditors and lenders. Even a payday loan fee of $60.00 for a $1,000 cash advance can still be better than paying your card issuer a $39.00 late fee plus higher interest rates. Let's say you have a total of $8,000 in credit card charges at a rate of 20%, but your late payment causes your credit card rate to increase to 23%. If you pay $250 a month towards that $8,000 balance, the rate increase from 20% to 23% will cost you an extra $985.00 in interest. In the long term, the payday loan fee is far better than the potential ramifications of a late credit card payment.

People with bad credit are also often denied the ability to obtain public services, such as electricity and telephone, unless they pay a deposit. By getting a payday loan not only can they meet such requirements, but the cash flow also helps stimulate the economy. The service provider gains a customer and additional revenue to hire new employees and to pay more taxes.

The key for using a bad credit payday loan is to use the money to meet an immediate, valid need, and to re-pay the loan upon their next payday. Also, ask the lender if the timely repayment will be reported to a major credit bureau to help establish or rebuild credit. Even if the lender does not report it, you may still list the lender as a good credit reference on future credit applications.

Payday loans offer fast cash for bad credit people, can help consumers avoid late charges and derogatory credit report entries, may help them improve their credit score, and can benefit the economy through cash flow. As banks and other lenders attempt to acquire customers, they must compete with payday loan companies, which further stimulates a competitive economy and a more rewarding credit consumer environment.

Click Here for a bad credit Payday Loan of up to $1,500

» Bad Credit Teens Establishing Credit
By Credit Federal | Published 10/10/2005 | Financial Tips |

Article: Bad credit teenagers establishing good credit

Most 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.html

After 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.

» Guaranteed Platinum Credit Card - Unsecured Credit?
By Credit Federal | Published 10/10/2005 | Credit Card |

Article: Platinum Guaranteed Credit Card - Unsecured Credit?

The Fed has raised interest rates, prompting consumers to flock online to search for a lower interest rate credit card. Unfortunately, as consumer debt increases, many of these consumers do not qualify for a 0 interest balance transfer due to bad credit.

Typically, what bad credit consumers are finding online when they search for an instant approval or guaranteed platinum credit card, are "Shopping" cards. Unknowingly, many of these consumers apply thinking they are getting a true-to-life platinum credit card, because they are being marketed as a "Platinum Unsecured Credit Card". In actuality, these cards offer an "Unsecured line of credit".

What's the difference?

An unsecured line of credit is the ability to make purchases on credit, and to re-pay over time. Sounds just like a typical credit card, right? Wrong. The difference is that the issuer allows purchases only from a select vendor(s), either from an online resource or through an offline catalog.

While this type of credit card offers the ability to make purchases on credit like a typical credit card, it can't be used for making purchases at local retail stores, restaurants, nor to book airline or motel reservations. And it certainly doesn't offer any type of balance transfer from existing credit cards, nor cash back or rewards as offered by major platinum credit card issuers.

So why are shopping cards being marketed as platinum credit cards? Mainly because they offer a high unsecured line of credit, like those major platinum credit card issuers offer to new members with a fair credit rating. For example, the USA Platinum Plus shopping card offers a $7,500 unsecured line of credit, whereas typical unsecured credit cards (the type that allows purchases anywhere the card is accepted), offer a limited credit line. When compared to the Rewards660 Card; an unsecured credit card for people with troubled credit, it offers only an initial $250 unsecured credit line.

The benefits of a platinum shopping credit card?

If you have bad credit, such as late payments, bankruptcy, or no credit score, it's not likely you'll get approved for a platinum credit card from major issuers such as Discover, American Express and Chase. But a shopping card accepts most anyone with no credit check. And although it doesn't offer the perks such as frequent flyer miles or cash back, some guaranteed platinum credit card issuers offer other rewards, such as free merchandise when you accept the card. You can't use the card for purchases beyond those allowed, nonetheless you do receive an unsecured line of credit to make purchases from the issuer's vendor(s). This can be helpful, particularly during times when you need credit but can't get it, like during Christmas or to buy birthday gifts. Also, many of these cards will report your timely payments to a major credit bureau to help you improve your credit score so one day you may qualify for a true-to-life platinum credit card.

As with any online application, applicants should read the full Terms and Disclosure before applying, so they will know exactly what is being offered, plus any fees that may be charged.

Click Here for a *Guaranteed Platinum Credit Card
*See website for terms and conditions

Benefit of a *guaranteed platinum credit card:
Although it cannot be used like a typical credit card, it does offer an unsecured line of credit. This makes it convenient to buy merchandise in situations where you do not have adequate cash on hand or any other type of credit.

Browse Credit Federal to find the card that's right for you. You can find a bad credit credit card with *guaranteed approval, a gold credit card, and even a platinum credit card from major card issuers.

Apply for a Credit Card

 

» Investment Scams and Investing Fraud
By Credit Federal | Published 10/12/2005 | Investing |

The business of investment fraud, investment swindles and scams. Read our free investment guide to avoid being a victim.

Here are some key tactics used by investment swindlers:

Expectation of Large Profits: The profits swindlers talk about are generally large enough to make you interested but not overly skeptical.

Low Risk: Some are so blatant as to suggest there's no risk, that the investment is a sure money maker.

Urgency: The investment swindler may say it's essential to invest right now because the investment opportunity can be offered to only a limited number of people, or because delaying could reduce profit.

Confidence: They sound confident about the money you're going to make so you'll become confident enough to let go of your savings. Con men know that the more they talk, the less chance you have to ask questions.


Avoid investment scams. Here are questions investment swindlers do not like to be asked.

1 Where did you get my name? If the response is that you were chosen from a select list of intelligent and prudent investors, that select list may be the telephone directory, or if you made bad investments previously, you can be sure your name is on someone's alumni list.

2 What risks are involved in the proposed investment? Except for obligations of the U.S. Treasury, which are considered risk-free, all investments involve some degree of risk. If the salesman had knowledge of big-profit investment without risk, he wouldn't be on the phone talking.

3 Can you send me a written explanation of your investment so I can consider it at my leisure? For someone peddling fraudulent investments, that can be a double turnoff. For one thing, most crooks are reluctant to put anything in writing that might cause them to run afoul of postal authorities or provide material that, at some point, might become evidence in a fraud trial. Secondly, swindlers don't want you to do anything at your leisure. They want your money now. 

4 Would you mind explaining your investment proposal to some third party, such as my attorney, accountant, investment advisor or banker? If the answer goes something along the lines of I'd be glad to, but there isn't time for that, or if the salesman snaps back by asking can't you make your own investment decisions? you should consider saying no. 

5 Can you give me the names of your firm's principals and officers? Although some persons who establish and operate dishonest firms change their own names as often as they change their firms' names, even the hint that you are the kind of investor who checks into things can be a fast turn-off for a swindler.

6 Can you provide references? Not just another list of other investors who supposedly became wealthy, but reputable and reliable recommendations such as a bank or well-known brokerage firm you can contact.

7 Do you have any documents such as a prospectus or risk disclosure statement you can provide? This may not be available in connection with all types of investments but in many investment areas, such as securities, futures and options trading, it's required. And there can be requirements that you be provided with this information and acknowledge in writing that you have read and understood it. 

8 Are the investments you are offering traded on a regulated exchange, such as a securities or futures exchange? Some bona fide investments are and some aren't, but fraudulent investments never are.

9 What governmental or industry regulatory supervision is your firm subject to? If the salesman rattles off a list that ranges from the FBI to the Boy Scouts, tell him you'd like to check the firm's good standing before making an important investment decision. Then verify the response. Few things discourage a swindler faster than the thought that his first visitor the next morning may be from a regulatory agency.

10 How long has your company been in business? In any kind of business activity, there can be advantages to dealing with a known, established company. This isn't to say that new businesses aren't starting up all the time or that the vast majority aren't perfectly reputable. Before you accept a salesman's assurance that he can make money for you, you have the right to know what his performance has been in making money for others. And ask to have the information, if there is any, in writing.

11 When and where can I meet with you or with another representative of your firm? Chances are a crooked operator, particularly if he's operating out of a telephone boiler room, isn't going to take the time to visit with you and even more certainly doesn't want you to see his work place.

12 Where, exactly, will my money be? And what type of regular accounting statements do you provide? In many investment areas, such as futures trading, firms are required to maintain their customers' funds in segregated accounts at all times. Any mingling of investors' funds with those of the firm or its principals is prohibited.

13 How much of my money would go for commissions, management fees and the like? And ask whether there will be other costs such as interest or storage charges, or whether the investment agreement involves any type of profit sharing arrangement in which the firms' principals participate. Insist on specific answers and, again, get it in writing.

14 How can I liquidate, i.e. sell the item I'd be investing in, if and when I decide I want my money? If you find that the investment is illiquid, or there would be substantial costs if liquidated, or that you are unable to get straight and solid answers, these are all things to consider.

15 If disputes should arise, how can they be resolved? Short of having to go to court to sue someone, does the company or regulatory organization provide a mechanism for resolving disputes equitably and inexpensively through arbitration, mediation, or reparations procedure? Aside from seeking important information, you may be able to detect whether the salesperson is uncomfortable or impatient with this line of questioning.

» Investing in mutual fund - how mutual funds work.
By Credit Federal | Published 10/12/2005 | Investing |

Learn about investing in mutual funds, why invest in mutual funds, how mutual funds work, and the types of mutual funds

Mutual funds are NOT guaranteed or insured by any bank or government agency. Even if you buy through a bank and the fund carries the bank's name, there's no guarantee. You can lose money. Mutual funds ALWAYS carry investment risks. Some types carry more risk than others. A higher rate of return typically involves a higher risk of loss. Past performance is not a reliable indicator of future performance. Beware of dazzling claims. ALL mutual funds have costs that lower your investment returns. You can buy some mutual funds by contacting them directly. Others are sold mainly through brokers, banks, financial planners, or insurance agents. If you buy through these financial professionals, you generally will pay an extra sales charge for the benefit of their advice. Shop around. Compare a mutual fund with others of the same type before you buy.

Mutual funds can be a good way for people to invest in stocks, bonds, and other securities. Why? Mutual funds are managed by professional money managers. By owning shares in a mutual fund instead of buying individual stocks or bonds directly, your investment risk is spread out. Because your mutual fund buys and sells large amounts of securities at a time, its costs are often lower than what you would pay on your own. This document explains the basics of mutual fund investing -- how a mutual fund works, what factors to consider before investing, and how to avoid common pitfalls. There are sources of information that you should consult before you invest in mutual funds. The most important of these is the prospectus of any fund you are considering. The prospectus is the fund's selling document and contains information about costs, risks, past performance, and the fund's investment goals. Request a prospectus from a fund, or from a financial professional if you are using one. Read the prospectus before you invest. Before you buy a mutual fund, make sure it is right for you.

A mutual fund is a company that brings together money from many people and invests it in stocks, bonds, or other securities. The combined holdings of stocks, bonds, or other securities and assets the fund owns are known as its portfolio. Each investor owns shares, which represent a part of these holdings. HOW TO BUY AND SELL SHARES: You can buy some mutual funds by contacting them directly. Others are sold mainly through brokers, banks, financial planners, or insurance agents. All mutual funds will redeem your shares on any business day and must send you the payment within seven days. You can find out the value of your shares in the financial pages of major newspapers. After the fund's name, look for the column marked NAV. TERMS TO KNOW: Net Asset Value per share NAV: NAV is the value of one share in a fund. When you buy shares, you pay the current NAV per share, plus any sales charge also called a sales load. When you sell your shares, the fund will pay you NAV less any other sales load. A fund's NAV goes up or down daily as its holdings change in value. Example: You invest $1,000 in a mutual fund with an NAV of $10.00. You will therefore own 100 shares of the fund. If the NAV drops to $9.00 because the value of the fund's portfolio has dropped, you will still own 100 shares, but your investment is now worth $900. If the NAV goes up to $11.00, your investment is worth $1,100. This example assumes no sales charge. HOW FUNDS CAN EARN YOU MONEY: You can earn money from your investment in three ways. First, a fund may receive income in the form of dividends and interest on the securities it owns. A fund will pay its shareholders nearly all of the income it has earned in the form of dividends. Second, the price of the securities a fund owns may increase. When a fund sells a security that has increased in price, the fund has a capital gain. At the end of the year, most funds distribute these capital gains minus any capital losses to investors. Third, if a fund does not sell but holds on to securities that have increased in price, the value of its shares NAV increases. The higher NAV reflects the higher value of your investment. If you sell your shares, you make a profit. This also is a capital gain. Usually funds will give you a choice: the fund can send you payment for distributions and dividends, or you can have them reinvested in the fund to buy more shares, often without paying an additional sales load. TAXES: You will owe taxes on any distributions and dividends in the year you receive them or reinvest them. You will also owe taxes on any capital gains you receive when you sell your shares. Keep your account statements in order to figure out your taxes at the end of the year. If you invest in a tax-exempt fund such as a municipal bond fund, some or all of your dividends will be exempt from federal, and sometimes state and local income tax. You will, however, owe taxes on any capital gains.

You take risks when you invest in any mutual fund. You may lose some or all of the money you invest, because the securities held by a fund go up and down in value. What you earn on your investment also may go up or down. Each kind of mutual fund has different risks and rewards. Generally, the higher the potential return, the higher the risk of loss. Before you invest, decide whether the goals and risks of any fund you are considering are a good fit for you. To make this decision, you may need the help of a financial adviser. There are also investment books and services to guide you. The three main categories of mutual funds are money market funds, bond funds, and stock funds. There are a variety of types within each category. MONEY MARKET FUNDS have relatively low risks, compared to other mutual funds. They are limited by law to certain high quality, short-term investments. Money market funds try to keep their value, NAV, at a stable $1.00 per share, but NAV may fall below $1.00 if their investments perform poorly. Investor losses have been rare, but they are possible. A WORD ABOUT BANKS AND MUTUAL FUNDS: Banks now sell mutual funds, some of which carry the bank's name. But mutual funds sold in banks, including money market funds, are not bank deposits. Don't confuse a money market fund with a money market deposit account. The names are similar, but they are completely different. A money market fund is a type of mutual fund. It is not guaranteed, and comes with a prospectus. A money market deposit account is a bank deposit. It is guaranteed, and comes with a Truth in Savings form. BOND FUNDS, also called FIXED INCOME FUNDS, have higher risks than money market funds, but seek to pay higher yields. Unlike money market funds, bond funds are not restricted to high-quality or short-term investments. Because there are many different types of bonds, bond funds can vary dramatically in their risks and rewards. Most bond funds have credit risk, which is the risk that companies or other issuers whose bonds are owned by the fund may fail to pay their debts, including the debt owed to holders of their bonds. Some funds have little credit risk, such as those that invest in insured bonds or U.S. Treasury bonds. But be careful. Nearly all bond funds have interest rate risk, which means that the market value of the bonds they hold will go down when interest rates go up. Because of this, you can lose money in any bond fund, including those that invest only in insured bonds or Treasury bonds. Long-term bond funds invest in bonds with longer maturities. The values, NAVs, of long-term bond funds can go up or down more rapidly than those of shorter-term bond funds. STOCK FUNDS, also called EQUITY FUNDS, generally involve more risk than money market or bond funds, but they also can offer the highest returns. A stock fund's value, NAV, can rise and fall quickly over the short term, but historically stocks have performed better over the long term than other types of investments. Not all stock funds are the same. For example, growth funds focus on stocks that may not pay a regular dividend but have the potential for large capital gains. Others specialize in a particular industry segment such as technology stocks. A WORD ABOUT DERIVATIVES: Some funds may face special risks if they invest in derivatives. Derivatives are financial instruments whose performance is derived, at least in part, from the performance of an underlying asset, security or index. Their value can be affected dramatically by even small market movements, sometimes in unpredictable ways. There are many types of derivatives with many different uses. They do not necessarily increase risk, and may in fact reduce risk. A fund's prospectus will disclose how it may use derivatives. You may also want to call a fund and ask how it uses these instruments.

Once you identify the types of funds that interest you, it is time to look at particular funds in those categories. VIEWING PAST PERFORMANCE: A fund's past performance is not as important as you might think. Advertisements, rankings, and ratings tell you how well a fund has performed in the past. But studies show that the future is often different. This year's number one fund can easily become next year's below average fund. NOTE: Although past performance is not a reliable indicator of future performance, volatility of past returns is a good indicator of a fund's future volatility. TIPS FOR COMPARING PERFORMANCE: Check the fund's total return. You will find it in the Financial Highlights, near the front of the prospectus. Total return measures increases and decreases in the value of your investment over time, after subtracting costs. See how total return has varied over the years. The Financial Highlights in the prospectus show yearly total return for the most recent 10-year period. An impressive 10-year total return may be based on one spectacular year followed by many average years. Looking at year-to-year changes in total return is a good way to see how stable the fund's returns have been. COMPARING COSTS: Costs are important because they lower your returns. A fund that has a sales load and high expenses will have to perform better than a low-cost fund, just to stay even with the low-cost fund. Find the fee table near the front of the fund's prospectus, where the fund's costs are laid out. You can use the fee table to compare the costs of different funds. The fee table breaks costs into two main categories: Sales loads and transaction fees, paid when you buy, sell, or exchange your shares, and Ongoing expenses, paid while you remain invested in the fund. Sales Loads: The first part of the fee table will tell you if the fund charges any sales loads. No-load funds do not charge sales loads. When you buy no-load funds, you make your own choices, without the assistance of a financial professional. There are no-load funds in every major fund category. Even no-load funds have ongoing expenses, however, such as management fees. When a mutual fund charges a sales load, it usually pays for commissions to people who sell the fund's shares to you, as well as other marketing costs. Sales loads buy you a broker's services and advice, they do not assure superior performance. In fact, funds that charge sales loads have not performed better on average, ignoring the loads, than those that do not charge sales loads. TERMS TO KNOW: Front-end load is a sales charge you pay when you buy shares. This type of load, which by law cannot be higher than 8.5% of your investment, reduces the amount of your investment in the fund. Example: If you have $1,000 to invest in a mutual fund with a 5% front-end load, $50 will go to pay the sales charge, and $950 will be invested in the fund. Back-end load: A back-end load, also called a deferred load, is a sales charge you pay when you sell your shares. It usually starts out at 5% or 6% for the first year and gets smaller each year after that until it reaches zero, say, in year six or seven of your investment. Example: You invest $1,000 in a mutual fund with a 6% back-end load that decreases to zero in the seventh year. Let's assume for the purpose of this example that the value of your investment remains at $1,000 for seven years. If you sell your shares during the first year, you only will get back $940 ignoring any gains or losses. $60 will go to pay the sales charge. If you sell your shares during the seventh year, you will get back $1,000. Ongoing Expenses: The second part of the fee table tells you the kinds of ongoing expenses you will pay while you remain invested in the fund. The table shows expenses as a percentage of the fund's assets, generally for the most recent fiscal year. Here, the table will tell you the management fee, which pays for managing the fund's portfolio, along with any other fees and expenses. High expenses do not assure superior performance. Higher expense funds do not, on average, perform better than lower expense funds. But there may be circumstances in which you decide it is appropriate for you to pay higher expenses. For example, you can expect to pay higher expenses for certain types of funds that require extra work by its managers, such as international stock funds, which require sophisticated research. You may also pay higher expenses for funds that provide special services, like toll-free telephone numbers, check-writing and automatic investment programs. A difference in expenses that may look small to you can make a big difference in the value of your investment over time. Example: Say you invest $1,000 in a fund. Let's assume for the purpose of this example that you receive a flat rate of return of 5% before expenses. If the fund has expenses of 1.5%, after 20 years you would end up with roughly $1,990. If the fund has expenses of 0.5%, you would end up with more than $2,410. This is a 22% difference. Rule 12b-1 fee: One type of ongoing fee that is taken out of fund assets has come to be known as a rule 12b-1 fee. It most often is used to pay commissions to brokers and other salespersons, and occasionally to pay for advertising and other costs of promoting the fund to investors. It usually is between 0.25% and 1.00% of assets annually. Funds with back-end loads usually have higher rule 12b-1 fees. If you are considering whether to pay a front-end load or a backend load, think about how long you plan to stay in a fund. If you plan to stay in for six years or more, a front-end load may cost less than a back-end load. Even if your back-end load has fallen to zero, over time you could pay more in rule 12b-1 fees than if you paid a front-end load. TIPS FOR COMPARING COSTS: Beware of a salesperson who tells you, This is just like a no-load fund. Even if there is no front-end load, check the fee table in the prospectus to see what other loads or fees you may have to pay. Check the fee table to see if any part of a fund's fees or expenses has been waived. If so, the fees and expenses may increase suddenly when the waiver ends, the part of the prospectus after the fee table will tell you by how much. Many funds allow you to exchange your shares for shares of another fund managed by the same adviser. The first part of the fee table will tell you if there is any exchange fee. Shop wisely. Compare fees and expenses before you invest. OTHER SOURCES OF INFORMATION: Read the sections of the prospectus that discuss the risks, investment goals, and investment policies of any fund that you are considering. Funds of the same type can have significantly different risks, objectives and policies. All mutual funds must prepare a Statement of Additional Information, SAI, also called Part B of the prospectus. It explains a fund's operations in greater detail than the prospectus. If you ask, the fund must send you an SAI. You can get a clearer picture of a fund's investment goals and policies by reading its annual and semi-annual reports to shareholders. If you ask, the fund will send you these reports. You can also research funds at most libraries. Helpful resources include fund investment books, investor magazines and newspapers. The fund companies themselves can also provide information.

If you encounter a problem or have a question concerning a mutual fund that you believe can be addressed by the SEC, contact an SEC consumer specialist at one of the offices: Remember: There are no guarantees in mutual fund investing. Inform yourself and exercise your judgment carefully before you invest. SEC OFFICES: U.S. Securities and Exchange Commission Headquarters Office of Consumer Affairs, 450 Fifth Street, N.W., Washington, D.C. 20549. 202-942-7040. Northeast Regional Office, 7 World Trade Center, Suite 1300, New York, NY 10048, 212-748-8000. Boston District Office, 73 Tremont Street, Suite 600, Boston, MA 02108-3912, 617-424-5900. Philadelphia District Office, 601 Walnut Street, Suite 1005 E, Philadelphia, PA 19106-3322, 215-597-3100. Southeast Regional Office, 1401 Brickell Avenue, Suite 200, Miami, FL 33131, 305-536-5765. Atlanta District Office, 3475 Lenox Road, N.E., Suite 1000, Atlanta, GA 30326-1232, 404-842-7600. Midwest Regional Office, 500 West Madison Street, Suite 1400, Chicago, IL 60661-2511, 312-353-7390. Central Regional Office, 1801 California Street, Suite 4800, Denver, CO 80202-2648, 303-391-6800. Fort Worth District Office, 801 Cherry Street, 19th Floor, Fort Worth, TX 76102, 817-334-3821. Pacific Regional Office, 5670 Wilshire Boulevard, 11th Floor, Los Angeles, CA 90036-3648, 213-965-3998. San Francisco District Office, 44 Montgomery Street, Suite 1100, San Francisco, CA 94104, 415-705-2500.

» Where to report investment scams.
By Credit Federal | Published 10/12/2005 | Investing |

Where to report investment scams:

Commodity Futures Trading Commission
2033 K St., N.W., Washington, D.C. 20581, 202.254.6387

Federal Bureau of Investigation, Justice Department
9th St. Pennsylvania Ave., N.W., Washington, D.C. 20535, 202.234.3691

Federal Trade Commission
6th St. Pennsylvania Ave., N.W., Washington, D.C. 20580, 202.326.3650

National Association of Securities Dealers
1735 K St., N.W., Washington, D.C. 20006, 202.728.8044

National Futures Association
200 W. Madison, Suite 1600, Chicago, IL 60606-3447
Toll Free: 800.621.3570, In IL: 800.572.9400

Securities and Exchange Commission
450 Fifth St., N.W., Washington, D.C. 20006, 202.728.8233

United States Postal Service, Chief Postal Inspector
Room 3021, Washington, D.C. 20260-2100, 202.268.4267

» Debit Card or an ATM Card?
By Credit Federal | Published 10/12/2005 | Secured Credit Card |

Pre-paid debit cards versus ATM cards

All cards have their unique benefits, and neither type of card is necessarily better than the other. What makes a card best, is if it fits the needs of the holder. There are times; however, when it might be better to use a credit card or to use a prepaid debit card (ATM card) instead.

If you're making purchases online, definitely use a credit card. If you're making any purchase where you might be concerned about your ability to get a refund, again use a credit card. With credit cards you can always ask to reverse the charge, and even if fraud was committed the most you'll be liable for is $50. With a debit card, however, your bank account could be wiped clean and recovering your money can be a long, arduous ordeal - if not impossible.

For day-to-day use, it's handy to use a prepaid debit card, or commonly referred to as an ATM card. You needn't worry about getting payments in on time to prevent interest charges. But if you forget to annotate every purchase made with a prepaid debit card, you could risk bouncing a check which will cost you returned check fees.

In an emergency when bank account funds are low, a credit card can be a life saver.

Search for a Debit Card of an ATM Card.

» Life Insurance Benefits Can Outweigh Costs
By Credit Federal | Published 10/15/2005 | |

Life Insurance Benefits Can Outweigh Costs

As a former life insurance agent, the hardest demographic to acquire were younger people. Understandable, they are young, healthy, and think it will be years before they need any type of insurance, least of which being life insurance. While life insurance may not be needed for years and years down the road, by not buying a whole life policy while they are young they can actually end up spending more on a policy later in life. Particularly if their health deteriorates, and may possibly no longer qualify for any type of affordable life insurance.

To demonstrate how much more life insurance can cost by not acquiring while young and healthy, let's take a look at an example. Let's say the person is a 25 year old, non-smoking female in excellent health.  If she purchased a $25,000 whole life policy with a twenty year payment plan, her cost could be as low as $45 per month, with a total expenditure of $10,8000.  But, let's say she waits until she's 50 years old to buy that same policy and; we'll also assume she's still in perfect health. The same policy at that age would cost her over $30,000 in total payments.  That figure could actually be higher, if her health is no longer perfect. Worse, if her health is at great risk, she may not even qualify for the policy. Instead, she may have to purchase a "guaranteed" life insurance policy, which starts out with a low, graded death benefit for the first two years of coverage. An example graded death benefit would be $500 of coverage for the first two years, at a monthly cost of $59.00.

Not only is life insurance more cost efficient the younger you are, let's not forget about the "unforeseen". Yes, accidents happen. Tragedies and fatal illnesses occur to people of all ages. By not having any life insurance, you are putting your loved ones at financial risk.

When is the best time to buy a life insurance policy? Now! You'll never be any younger than you are today.

If you don't want; or can't afford, a whole life policy, you can "rent" insurance by getting a Term Life policy.

Get Free Life Insurance Quotes - Click Here.

» Insurance - Life, Home, Heath, Medical, Dental and Auto
By Credit Federal | Published 10/17/2005 | Insurance |

Insurance

Nobody enjoys paying bills, including insurance premiums. Consumers must remember that by paying insurance premiums, the policy can help offset or avoid bills.

Just a typical dental cleaning for one person; for example, can exceed $100. A crown can cost over $600.00. By comparison, dental insurance is a small price to pay, particular for large households of children.

Even if you're young and healthy, you may find medical insurance to be a life-saver. Many issuers won't provide coverage for an existing medical condition, so you need to obtain medical coverage before you are stricken with a life-threatening illness or condition.

Auto insurance is not only a benefit in some states, but is also a requirement. Even if you drive a auto with low value, we still recommend "liability" coverage. Liability insurance covers the costs of repairs/replacement for vehicles which you damage but don't belong to you. Your 1977 Chevy Vega with a value of only $350 could cost you $75,000 if you drive it into a 2005 Mercedes.

Home insurance is required by most lenders for homes that have an unpaid mortgage. With the rising costs of building materials and labor, not having home insurance could be disastrous. Even if you don't life in earthquake, floor, hurricane or tornado zones, the threat of fire, theft and vandalism are still present.

Life insurance is provided by many employers, but consumers must remember that the majority of these policies are only Term policies, and likely expire when the employee is fired, quits or retires. The fact is, most people die after they retire, become disabled, or when they are between jobs. If you wait until you're older or less healthy before you seek a life insurance policy, it may be too late. You may either no longer qualify, or the premiums would be too costly.

Get Free Insurance Quotes - Click Here

» Order a credit report, fix credit report errors, or learn about scores
By Credit Federal | Published 10/20/2005 | Credit Report |

Order a credit report, fix credit report errors, or learn about scores

Use the links above for information related to credit reports, such as how to improve bad credit report scores, fix credit report errors, and how to order a credit report with no credit card required and at no-obligation.

Your credit report score is your financial report card. You need to ensure all information is correct and you should remove errors that may exist. Your credit score determines your eligibility for credit cards, loans, and decides the interest rate you'll pay. Some employers also use credit report scores as part of their job applicant screening.

There's a lot to know about credit reports, but it's well worth your time to learn all the intricate details.

Click the links above and learn about credit reports today.

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Zachary asks: "What Grant programs if any can a veteran apply to for student loan debt. I owe over $90,000 in student loan debt. I have under $30,000 in past Credit Card debt. We've already consolida...
06/3/2011
Warning: There is a growing number of grant scams. Grant scams; once limited mainly to online web sites, are increasing via telephone solicitations.  The latest of these scams are from perso...
06/3/2011
Credit card issuers are trying to change their image from bad to good.Maybe the bad rap credit card companies get from the federal government and by people who spend beyond their repayment means, are ...
06/3/2011
Review credit card comparisons of introductory interest rates and special rewards offers to help you choose the good or bad credit card right for you.Note: Rates and Rewards are as of the date of this...
06/3/2011
A CreditFederal.com visitor asks for advice regarding a 6 month personal loan.Question: "What would you suggest as a best source for a personal loan of 3500 for a 6 month term?  For the last 18 m...
06/3/2011
The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt. Int...
06/3/2011
With the high cost of living, wouldn't $800 in free money plus an extra $6,000 in savings be helpful right now? You could have it if you had taken action 10 years ago. If; during the past 10 years, yo...
06/5/2011
The most very personal loan could result in a very bad ill will amongst family. Do you; or a family member, need to borrow money from one other? For such very personal loans among family and friends, ...
08/12/2011
Credit Card News - People choose credit cards because the benefits can outweigh the bad. People who can control their spending urges to avoid debt, enjoy the security credit cards offer as well a...
08/12/2011
A CreditFederal visitor requests advice regarding personal finance situation.The visitor writes: "I hope I'm not wasting anyone's time, but we are in a desperate situation and I'm hoping your co...
08/12/2011
Beginners; people who yet have no credit, want to know how to get credit and get it at favorable terms. Here are tips for new credit applications.Applications for Beginner New Credit People Prima...
08/12/2011
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources. You may have money owed to you and not even realize it. Perhaps you pa...
08/12/2011
Equifax recommends going online to fix credit report errors or to simply perform a credit check review of entries that affect scores.According to Equifax, most Americans still do not go online to upda...
09/8/2011
Learn common credit terminology using our easy to read, free credit glossary:1/1ARM: An adjustable-rate mortgage that has a set initial interest rate for thefirst year. After that period, the mortgage...
09/16/2011
RESPONSE CODE RESPONSE REASON CODE RESPONSE REASON TEXT NOTES    ...
09/17/2011
authorized user - A credit card authorized user is someone who is able to make purchases on a credit card, but isn't legally liable for the credit card balance.annual fee - a yearly fee ranging from $...
10/2/2011
Auto loan lingo - Definitions of common auto loan terminology:Accrue - To accumulate interest charges.Amortization - The repayment of a loan by installments with regular payments to cover the principa...
10/3/2011
7/23 and 5/25 Mortgages - Mortgages with a one time rate adjustment after seven years and five years respectively.3/1 5/1 7/1 and 10/1 ARMs - Adjustable rate mortgages in which rate is fixed for three...
10/10/2011
To find out what the maximum loan amount you can get based upon your ability to repay, our newest loan installment calculator can quickly help you. All you have to do is decide how much you can a...
01/2/2012
Free tips and advice on how to get out of Christmas credit card debt. Did your credit cards gain a few pounds over the holidays along with you? It is fun to make charges on credit cards during the hol...
01/3/2012
A long term debt consolidation loan to payoff Christmas credit card bills. Homeowners can use the equity in their homes to obtain a low interest, long term debt consolidation loan, and use that money ...
01/7/2012
Secured Auto Loan - There are multiply types of auto loans, including: financing for a brand new car, a second hand used car, refinancing an existing auto loan, or getting a loan on a car that is full...
01/11/2012
Many people have discovered the benefits of online bank checking accounts. Mainly the 24 hour banking availability, the instant transfers, and the ease of bill paying and tracking expenses. FDIC Onlin...
04/12/2012
I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt?One way to get a relatively low interest, long term loan i...
04/23/2012
Obama's consumer financial watchdog agency is allowing credit card companies to charge big upfront fees, which is likely to affect subprime, bad credit borrowers the most. The Consumer Financial Prote...
04/24/2012
Democrats of New Jersey are eye-balling the unspent balancess of their state residents' gift cards. These unused balances could be used by the state to pay its own bills. Soon, New Jersey will require...
05/10/2012
Charge cards are a type of credit card that require you to pay the full amount you've charged each month. There are no periodic finance charges, and charge cards often come with rewards.  Credit ...
08/27/2012
Do you have bad credit and cannot get a loan without a cosigner? With a Credit Partner Agreement, you can improve your scores.  Find someone who has a fair or better credit rating and ask them to...
08/28/2012
You may have heard someone claim to be blacklisted for loans or credit cards, or perhaps by a store which won't accept credit payment from them. What is the credit blacklist, and who generates it? Act...
09/3/2012
Many people suspect applying for credit during a divorce as being the same as applying for credit during bankruptcy. But it's not. Getting credit during divorce is much the same as applying while marr...
02/11/2013
The best way to get someone to sign a promissory note, is before you hand-over the loan money. If someone is bold enough to ask you for a person-to-person personal loan, you should be equally bold to ...
02/12/2013
Why are some financial resource advisors who were anti payday lending have now become pro payday advocates?Before the Obama administration tightened lending regulations, there were adequate short term...
02/16/2013
A reader asks: "Can I get a personal loan for a car?"Yes...But why would you want to get that instead of a secured auto loan? About the only reason a person would want to pay higher interest rates wit...
02/20/2013
A reader asks: "I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? " Answer: You can win with either optio...
05/23/2013
There are several reasons why one credit report differs from another.Different Information: What appears on one credit report may not appear on the other two. If your credit card company reports only ...
05/24/2013
Actions a Credit Card Company or Other Lender can take Against You for Default Non-Payment:Civil Court Law Suit: When you don't pay your credit card bill or other loan, your credit card company, lende...
05/28/2013
There are great reasons why you should claim tips on tax returns.1) It's the Law - The government requires you to report tips on your IRS tax returns. That; above all, is the ultimate reaszon to claim...
06/3/2013
Whatever the reason: Inflation; Insufficient Income; Inability to Maintain a Budget or just too Stubborn for Saving; some of us get so desperate that we look before we leap when selecting debt relief....
06/4/2013
Overall, the worst spending habit is the "NOW" impulse. Instead of saving money or budgeting for a purchase, we want to buy NOW. Even if you don't purchase the item on credit and pay interest, it stil...
06/6/2013
The cashier starts scanning your purchases and asks "Paper or Plastic", and when done asks "Cash or Credit?" These could be construed as redundant questions, since cash is called paper and credit is c...
06/7/2013
Structured Settlement Definition and How to Cash In.Annuity and Settlement Money - The definition of structured settlements is a fixed period of payments received by an individual. These settlement pa...
06/10/2013
Yes, even children are targeted by identity theives. Fact is, they are the fastest growing category of ID victims according to law enforcement. Often a child is a far better ID theft target than an ad...
06/12/2013
You've seen the commercials on TV. Get a brand new car or truck with either a $1,000 rebate or 0% financing (for qualified buyers). These deals come direct from the manufacturer, and is passed down to...
06/14/2013
A fantastic way homeowners can save money and build a large reserve of equity, is to payoff mortgage loans ahead of schedule.Example: A 30 year mortgage of $200,000 at 4% would cost a total of $343,73...
06/16/2013
Stop your bad habits to teach kids about money and credit through your good exampleIf you toss money around wastefully and then complain about how you're going to pay bills, chances are your children ...
06/17/2013
Is it wise to add a child as an authorized user on your credit card?It's hard for teens to establish credit since credit options on their own are limited. In most cases they can't get a line of credit...
06/21/2013
Whatever your credit history, Capital One® has a credit card (or secured card) for you.*See website for changes, updates, and for full terms and conditionsCards for Excellent Credit People:Capital One...
06/23/2013
How student credit cards should be; and should not be, used.There's no arguing how convenient and life-saving credit cards can be, yet it's equally evident how they can be abused and cause long-term p...
06/29/2013
Are you realizing you have become dependent on payday loans? If so, that's actually a good sign as it means you are recognizing a problem. One which you otherwise can't fix without first acknowledging...
07/4/2013
During our use of credit cards, certain situations arise for many of us. Here are some which may; unfortunately, happen to you and what you can do.If your credit card interest rate goes up... You can ...
07/5/2013
Using the median method, you can review the average FICO credit scores by state to see where you stand. This gives a more realistic estimate as to where you stand amoung other consumers in your state,...
07/9/2013
From the very start of your financial independence and all the way through life, these basic financial management tips should be forefront in your everyday activities.Make more money - As you age, you...
07/11/2013
If you have; or are about to, max out credit cards, you need to be aware of the affects it can have on other credit. Although you may be aware that the issuer may charge an over-limit fee, many people...
07/13/2013
How first time credit applicants get approved for credit cards and loans. First timers usually dive in and start submitting credit applications, not knowing that doing so could be a waste of time as w...
07/19/2013
Three types of banks to choose to meet your needs for business or personal loans and credit cards,Retail banks: A retail bank is a bank that works with consumers. These banks provide basic banking ser...
07/25/2013
Take advantage of back to school credit card rewards to save money on student expenses. Some people use credit cards to buy back-to-school supplies because they are short on cash, and others use charg...
07/26/2013
For some time now, consumers have been able to bank online in the comfort of their homes and offices. And now you can also pay bills through online banking via your mobile cellphone.Typically, all you...
11/27/2013
Whether you want a fast loan or a way to make quick cash for Christmas, here are some options. Unsecured Cash Loan: If you have income you may qualify for an immediate loan to purchase Christmas ...
12/26/2013
It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. This holiday snowball can end up causing extreme financial stress on you and your fam...
01/9/2014
Currently unpaid medical bills are identified on credit reports. The main reason why is that it provides lenders with a great gauge to measure how much you can afford to borrow and repay. Someone with...
01/15/2014
If you are scheduled for an IRS tax audit of your tax return, you have rights: Publication 1, Your Rights as a Taxpayer, explains your rights as a taxpayer as well as the examination, appeal, collecti...
01/26/2014
The definition of credit card blocking and why it is used.Definition: Credit card blocking is when a company reserves a certain amount of money against your credit card limit.Why is credit card blocki...
01/28/2014
How to Charge Off Christmas Credit Card Debt YourselfYou don't need to hire a company and pay fees to charge off Christmas credit card debt. You can do it yourself, free.If you have credit cards with ...
02/1/2014
It's all too easy to make overdraft mistakes with a checking account. Sometimes the goofs of other people cause us problems, like when you beg a friend not to cash the check you wrote to them until yo...
02/12/2014
To see if you need a professional financial advisor, review the ways how they can help you. Personal financial advisors help with investments, taxes and insurance. They... Provide one-o...
02/18/2014
One mistake can be costly. Beware the affects of just one late payment on a credit card.Here are things likely to happen when you miss even a single credit card payment:Your credit card company will c...
02/24/2014
What is the meaning of... Common Debt Terminology DefinitionsAccount Payable: Any amount owed as the result of a purchase of goods or services on a credit basis. Although a firm making a purchase issu...
02/26/2014
Sample letter to creditor for those ready to pay a settlement to delete credit report entry. You can get a creditor to remove negative information from your credit report via pay to delete. What ...
03/3/2014
Using a debit card is not as safe; and protected, and using a credit card. For example, if some thieft hacks the terminal of a store you patronized with your debit card and he spends using your data, ...
03/4/2014
Consumer use and installment payments for personal loans is experiencing fewer delinquencies.The American Bankers Assocation report tallied up consumer loans delinquent by at least one monthly payment...
03/5/2014
Two simple steps to pay less and keep more of your IRS tax money.The first step in keeping more of your tax money, is by paying less in the first place. You can do this by updating your W4 to claim al...
03/8/2014
Each state sets limits and other regulations for cash advance personal loan lenders.Ever wonder why payday personal lenders offer up to $1,000 loans, yet you are always only offered $300? The reason m...
03/10/2014
You are your own worst enemy when it comes to identity theft protection. Without even being aware of what they're doing, many people are facilitating theft opportunities to steal their identities and ...
03/15/2014
State listing of payday personal loan regulators and contact telephone numbers.State contact telephone numbers to request cash advance lending regulation information or to submit complaints about a pa...
03/15/2014
State listing of payday personal loan regulators and contact telephone numbers.State contact telephone numbers to request cash advance lending regulation information or to submit complaints about a pa...
03/16/2014
Per a recent survey, bank personal loan applications have increased and are becoming more popular than ever.It's no wonder that personal loans have popularity. Among all the credit offered by banks an...
03/17/2014
With an auto rewards credit card, you can earn points to use toward the purchase of a new car. If you're looking for an auto rewards credit card, read these reviews to decide which has the best terms ...
03/18/2014
According to the Rapid Loans website, they offer a direct non traditional bank personal loan: It's a fixed term loan that can be used for a variety of purposes such as home improvements or vehicle rep...
03/21/2014
Looking over your student loan papers might cause you to think you are reading in a foreign language. Beyond the typical loan words of fixed or adjustable rate, there are also words coming up like def...
04/8/2014
After seven years or other length of debt statute of limitations has been reached, what happens to the old debt?*Seven years is a common time span for most debt statute of limitiations. After the limi...
04/9/2014
Some well known and trusted companies abuse their consumer's identity information, which could lead to fraud.When a company you are doing business with shares, trades or sells your contact information...
04/11/2014
Federal government debt relief company rules to protect consumer rights. Government Debt Agency RegulationsThe government Federal Trade Commission has issued rules for any company or agency which sell...
04/13/2014
Some Car Dealerships will Match Tax Refunds to Double Your Down Payment.Auto dealers were among the first to offer to credit twice the amount of a tax refund towards a car purchase. Some will accept a...
04/14/2014
The immediate solution considered for getting bills under control is to consolidate. Yet debt consolidation for bad credit people may not be available without some form of collateral.what happens when...
04/16/2014
Read our Debt Management Company Red Flags to Avoid Companies which make extravagant promises and deliver little.You can consult The Association of Independent Credit Counseling Agencies; a national a...
04/16/2014
Most everyone's debt is too high, and not just individuals either... even the US government is in deep debt.Current US debt is over $17,500,000,000 (that's 17 trillion)President Barack Obama: Added $5...
04/17/2014
There are some Credit Cards that make You look Rich, but the Best Require Excellent Credit and Wealth.Some credit cards make you look rich just by whipping them out and slapping them onto a counter. P...
04/19/2014
Debt Help for People on Benefits, SSI or Senior CitizensQuestion: Can my SSI disability benefits be seized to pay credit debt? SSI disability benefits can never be taken to pay any type of debt, since...
04/20/2014
If you cannot get approved due to ChexSystems, review these bank checking account alternatives.How many American households don't have a bank checking account? Nearly 10 million, according to a 2011 s...
04/21/2014
Get the credit card that's perfect for you. Our cards are even available to those who have had credit problems in the past and those who may have little credit history.Pre-Qualify Here for CardsSee if...
04/25/2014
Payday Loan Debt Settlement is one option for people who no can no longer qualify for unsecured credit cards, thanks to Democrat Party regulations.  Click Here to Get Out of Payday Loan Debt ...
05/10/2014
 What creditors and the divorce decrees may say about joint debt of ex spouses. Creditors may still have a legal right per law to pursue both spouses. Divorce Credit Bills: In divorce procee...
05/14/2014
Members brain stormed ideas on who the United States could improve its financial position and provide a better quality of life for citizens. What follows are some of the ideas:* Focus on agriculture a...
05/23/2014
With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.Credit Card Extra Payments: If you have money to add towards extra p...
06/2/2014
The American Express Serve Card - Your Full Service Reloadable Prepaid Account FREE to register onlineFREE cash reloads at over 19,500 locationsFREE ATM withdrawals at over 24,000 locations natio...
06/3/2014
Debt Blacklist Checkers Who Examine Court Administration Files or Credit Reports for Judgments and Unpaid Accounts.In addition to credit reports, there's a new tool that can reviewed by landlords in c...
06/11/2014
A visitor asks: Who is Responsible for Paying Debt Brought into Marriage?Response: Most states, including common law states, do not hold a spouse liable for debts created by the other spouse prior to ...
06/17/2014
Private Party Personal Loan Lenders have the same Right as Professional Entities to Sue Borrowers for Non-Payment.A reader asks: Can a private party personal loan lender sue me for payment default?Ans...

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