Credit Federal PLUS - free financial, credit card and loan calculators.

Free financial calculators to help you calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses plus to create a household budget.

#1 Calculator Download:

Free Expense Tracking Calculator Download - TOP RECOMMENDED

Click HERE for info and to download - (Download Instructions & Info)

 - Record and Track Expenses, and sort by type and/or by date.

 - Record Income/Deposits. Software also calculates debt-to-income ratio.

 - Instant Credit Grade Calculation. Software analyzes expenses.

 - Helpful Tips. If your grade is low, the software offers tips to improve.

"Every American household needs this calculator."  Click Here

#2 Calculator Download:

7-in-1 Credit Card and Loan Calculator PLUS

Click HERE to download now

Auto Loan Calculator to estimate monthly payments.
Credit Card Calculator shows how long to pay off credit card balance & interest fees paid.
Credit Card Payment Calculator shows how much you'll need to pay per month to payoff the balance within a certain amount of time.
Mortgage Refinance Calculator to see if you can save money refinancing.
New Home Loan Calculator to determine your monthly payments.
Monthly Expense Calculator adds up monthly bills.
Savings Calculator shows how much interest you can earn over time.
 

All of our financial calculators are 100% free, operate on Windows computers, and do not require entering sensitive data such as credit card numbers, bank account numbers, etc. The software does not require being online to use.

Negotiate Settlements Advice: With the increasing number of people being head over heels in debt, it is easier to find debt settlement programs that may be able to decrease debt from 25 - 50% through negotiating a settlement. This would mean that an account would be closed and a payment plan would be developed to help with debt problems. Some consumers may qualify for a debt settlement loan to make the reduced final payments to unsecured creditors. This is one way to get out of debt fast and make just one monthly payment. That one payment could be a lot less than what had been required each month. It is like getting instant debt elimination.

Consumers do not understand the risks associated overdue debts. It is possible for creditors to take legal action and they may win a judgment. When this happens it can be possible for the creditor to garnish part of an income and to seize property. In cases of credit card debt, this action is somewhat limited and it may be too expensive and time consuming for the creditor to pursue the borrower. The higher the balance owed on an account, the higher the chance it could happen.

When debts are extremely large and serious, many people feel that there is nothing left for them to do except to file bankruptcy. It may result from the fear of garnishment and seizure of personal property. Yet, before any of that could be done, creditors must go to court. With that fear hanging overhead, many people rush to file bankruptcy. Bankruptcy should be used only when all other alternatives are exhausted.

Debt that is written off must be shown on tax returns as income. Usually consumers get from each creditor, in January for the prior year, a 1099 Tax Form. The 1099 form tells how much must be claimed as income on the tax return. This should be the difference between the principal owed minus the settled amount paid. In some cases, it could include some interest as well. This is not bad, considering the debt may have been settled at only 50% of what was owed. Still, Uncle Sam wants about 15% of the write off.

When considering to settle a debt yourself, make sure a creditor has not already "charged off" the debt or written it off. If they did, you would have received a notice and the debt is legally dead. It can be good to verify what the statute of limitations in your State before you try to arrange a debt pay off. Collectors have a specific period of time to collect and knowing if the statute of limitations has passed is very important. When a debt is older than the statute of limitations, inform the bill collectors so that they will not try to collect the debt. The original creditor or the assigned collection agency can not collect if the statue of limitations has expired.

Debts usually disappear from credit reports after 7 years if it has not been paid. If a debt is cancelled from credit reports after 7 years, you could still be legally sued for the debt if the statute of limitations in your state is not over. Generally, a person could consider being "free" if the debt has been erased from credit reports and the statute of limitations is up on this debt as well. This can mean not worrying about the debt if enough time has passed for both the legal debt collection statutes and the credit report limitations too. In this case, debt is not collectable, it disappears from credit reports, and there's basically nothing else to be done for that particular debt. When debts are not past the statute of limitations, it can be time consuming to try to deal with debt problems. Many times consumers would rather give their debt problems to a Consumer Credit Counseling Services instead of trying to negotiate with creditors themselves.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

Wachovia.com Review - © 2011 Wells Fargo. All rights reserved.

Wachovia is now a part of Wells Fargo. Together, we’re one of North America’s largest financial services companies with a legendary reputation for strength and stability, offering more convenience and resources to help you reach your financial goals. We can serve you through 9,000 financial services locations, more than 12,000 Wells Fargo and Wachovia ATMs, the Internet, and other distribution channels across North America and internationally.

Wells Fargo & Company (NYSE: WFC) is a diversified financial services company providing banking insurance, investments, mortgage, and consumer and commercial finance. We're headquartered in San Francisco, but every local Wells Fargo store is a headquarters for satisfying all our customers' financial needs and helping them succeed financially.

We're Number 1 in the U.S. in community banking presence (6,200 banking stores), mortgage originations, small business lending, and agribusiness lending. We're also a leader in deposits and home mortgage servicing. For more information, please visit wellsfargo.com or contact customer service at 800-WACHOVIA, 24 hours a day, seven days a week.

Choosing the right checking or savings account helps keep your money and your plans moving forward. It’s where smart money management begins.

* Checking - An account for every lifestyle. Looking for a checking account? Is your priority value and convenience? Or are you looking for a premier checking account package? Whatever you need, we can show you the right solution.
* Savings & CDs - A savings account is a building block to a solid financial future. Money market accounts, CDs, and IRAs are also important tools for your nest egg.
* Wells Fargo Credit Cards - With a low introductory APR and no annual fee, Wells Fargo credit cards help you shop and save.
* Check Cards - Visa® Check Cards add banking convenience and purchasing power to your financial life.
* Gift and Prepaid Cards - Whether you're looking for the perfect gift or teaching your teen financial responsibility, find the prepaid card that's just the right fit for you.

Interest Checking Account: Ready to be rewarded for your complete banking relationship with Wachovia? See how our premier checking package maximizes the value of your checking dollars.

Crown Banking® - the advantages of a relationship.
* Premium Savings account with no monthly service fee
* $10 discount on all check orders
* Free safe deposit box note 1
* Free cashier's checks, money orders, traveler's checks and notary services
* Interest-earning checking account with interest compounded daily
* Discounts on home equity line/loans
* Open a Way2Save® account with Crown Banking® and we can help you save

All that, plus the same benefits that come with all Wachovia checking accounts including Online Banking with BillPay, Balance Alerts, Online Statements, and Wachovia Mobile®.note 3 You'll also get Wachovia Security PlusSM-our commitment to protect your privacy and security.

Online Services: Pay all your bills in one secure place. It's easy - enroll in Online BillPay today. Secure and easy-to-use, Wachovia Online Services puts money management just a few mouse clicks away. We are dedicated to providing you a safe and dependable service for accessing your financial information online. Learn more about our Online Services Guarantee.

* Online Banking with BillPay
Check account activity and balances
Manage your accounts through Wachovia Mobile®
View statements online
View images of paid checks
Transfer funds between eligible accounts
Get account balances delivered automatically
Pay bills online

*Online Brokerage
Check your account balances, holdings, and activity
Place and confirm trades
Obtain real-time quotes, news, commentary, analysis, and research reports
View all your online accounts in one place with
Wells Fargo One StopSM

The Lending Center is your source for credit and loan products, objective information, and more. Whether you’re shopping for your first home, a new car, or need money to pay for educational expenses, we can help.
# Mortgage
# Home Equity Loans and Lines
# Education Loans
# Personal Loans
# Credit Cards
# Vehicle Loans 

1-800-WACHOVIA

Best and Cheapest Car Insurance Company	Which is the best auto insurance? Which car insurance company is the cheapest? You may be amazed when you learn the facts.
Fast Tax Refund Choices and Refund Anticipation Loans	If you are due cashback, you have options for getting a fast tax refund or a refund anticipation loan.
Credit Cards VS Charge Cards Which Is Better	Credit Cards VS Charge Cards Which Is Better? Credit cards and charge cards serve the same basic purpose... to charge purchases for payment later. As such, the term 'charge card' is often used to describe both although there are important differences.

What is the difference between a charge card and a regular credit card?	What is the difference between a charge card and a regular credit card?
New Jersey Democrats To Hijack Idle Gift Card Balances	Democrats of New Jersey are eye-balling the unspect balancess of their state residents' gift cards. These unused balances could be used by the state to pay its own bills.
Democrats Allow Higher Credit Card Fees	Democrats Allow Higher Credit Card Fees

Auto Loan	Use our free auto loan calculator to estimate monthly payments and apply online for new car loan quotes.
Calculate Credit Card Interest	How to calculate credit card interest. Use our online free calculators, or download calculator software to your computer for offline use.
Payoff Credit Card Debt	Free financial tips on how to payoff credit card debt. Use our online calculators or download our free software to your desktop to help you manage personal finances and track expenses, or get assistance like credit counseling, debt management or to negotiate settlement.
Safe Bank Checking Savings Accounts	Wondering if the money in your bank checking account or savings account is safe? Information on how much money is insured against loss, plus a listing of failed banks. Open a bank checking or savings account. Download our free our checkbook register software to track expenses, and our savings calculator to encourage you to save money.
Million Bankruptcy Filings	Bankruptcy filings have rose nearly 30% for close to one million filings. Improve personal finances with our free budget calcualtor download.

How much money can I borrow?	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.
Free Credit Calculator Software Download	Our 7 popular credit calculators have been combined into one convenient download. Now you can have all the common calculators right at your fingertips on your Windows computer.
Calculate Car Lease Payments	Calculate car lease payments using the residual value and the interest rate using this equation
Free IRS Tax Calculator	Online, free IRS tax calculator to estimate taxes based upon taxable income after deductions. Download our free financial software.
Auto Financing Brochure	Free auto financing brochure for help with purchasing through a lender or a car dealership. Calculate monthly auto loan payments. Download our software or use our online auto loan calculator.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

Top Credit Unions by Assets
1. Navy Federal Federal Credit Union - Merrifield, VA. $36.4 billion in assets.
2. State Employees Credit Union - Raleigh, NC. $16.7 billion in assets.
3. Pentagon Federal Credit Union - Alexandria, VA. $13.0 billion in assets.
4. Boeing Employees Credit Union - Tukwila, WA. $8.6 billion in assets.
5. Schoolsfirst Federal Credit Union - Santa Ana, CA. $7.8 billion in assets.
6. The Golden 1 Credit Union - Sacramento, CA. $6.0 billion in assets.
7. Alliant Credit Union - Chicago, IL. $5.9 billion in assets.
8. Suncoast Schools Federal Credit Union - Tampa, FL. $5.9 billion in assets.
9. American Airlines Federal Credit Union - Ft. Worth, TX. $5.3 billion in assets.
10. Security Service Federal Credit Union - San Antonio, TX. $5.1 billion in assets.
11. America First Federal Credit Union - Ogden, UT. $4.6 billion in assets.
12. San Diego County Credit Union - San Diego, CA. $4.5 billion in assets.
13. Digital Federal Credit Union - Marlborough, MA. $4.5 billion in assets.
14. Kinecta Federal Credit Union - Manhattan Beach, CA. $4.2 billion in assets.
15. Patelco Credit Union - San Francisco, CA. $4.1 billion in assets.
16. Star One Credit Union - Sunnyvale, CA. $4.1 billion in assets.
17. Alaska USA Federal Credit Union - Anchorage, AK. $3.8 billion in assets.
18. Citizens Equity First Credit Union - Peoria, IL. $3.8 billion in assets.
19. Vystar Credit Union - Jacksonville, FL. $3.7 billion in assets.
20. ESL Federal Credit Union - Rochester, NY. $3.6 billion in assets.
21. Pennsylvania State Employees Credit Union - Harrisburg, PA. $3.3 billion in assets.
22. Wescom Central Credit Union - Pasadena, CA. $3.2 billion in assets.
23. Bethpage Federal Credit Union - Bethpage, NY. $3.2 billion in assets.
24. Desert Schools Federal Credit Union - Phoenix, AZ. $3.2 billion in assets.
25. State Farm Federal Credit Union - Bloomington, IL. $3.2 billion in assets.
26. Randolph-Brooks Federal Credit Union - Live Oak, TX. $3.1 billion in assets.
27. Police & Fire Federal Credit Union - Philadelphia, PA. $2.9 billion in assets.
28. Delta Community Credit Union - Atlanta, GA. $2.9 billion in assets.
29. Lockheed Federal Credit Union - Burbank, CA. $2.8 billion in assets.
30. Mountain America Federal Credit Union - West Jordan, UT. $2.8 billion in assets.
31. United Nations Federal Credit Union - Long Island Cit, NY. $2.8 billion in assets.
32. San Antonio Federal Credit Union - San Antonio, TX. $2.7 billion in assets.
33. Teachers Federal Credit Union - Farmingville, NY. $2.7 billion in assets.
34. Ent Federal Credit Union - Colorado Springs, CO. $2.6 billion in assets.
35. Bank Fund Staff Federal Credit Union - Washington, DC. $2.6 billion in assets.
36. Onpoint Community Credit Union - Portland, OR. $2.6 billion in assets.
37. Hudson Valley Federal Credit Union - Poughkeepsie, NY. $2.5 billion in assets.
38. Redstone Federal Credit Union - Huntsville, AL. $2.4 billion in assets.
39. Addison Avenue Federal Credit Union - Palo Alto, CA. $2.2 billion in assets.
40. Visions Federal Credit Union - Endicott, NY. $2.2 billion in assets.
41. Dfcu Financial Federal Credit Union - Dearborn, MI. $2.1 billion in assets.
42. Coastal Federal Credit Union - Raleigh, NC. $2.1 billion in assets.
43. Eastman Credit Union - Kingsport, TN. $2.0 billion in assets.
44. Wings Financial Federal Credit Union - Apple Valley, MN. $2.0 billion in assets.
45. Bellco Credit Union - Greenwood Village, CO. $2.0 billion in assets.
46. First Technology Credit Union - Beaverton, OR. $1.9 billion in assets.
47. GTE Federal Credit Union - Tampa, FL. $1.9 billion in assets.
48. Mission Federal Credit Union - San Diego, CA. $1.9 billion in assets.
49. State Employees of Maryland Credit Union - Linthicum, MD. $1.9 billion in assets.
50. Teachers Credit Union - South Bend, IN. $1.9 billion in assets.

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