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Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.



Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

Debt Counseling: Personal budget out of control? Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

Free Credit Offers: Get no obligation credit offers and receive tips and alerts to help manage your personal finances.

Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out or a debt consolidation loan.

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt help, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.


Daily Credit Tip: Why You Need Scores from all 3 Credit Bureaus * Each bureau may have different information, depending on which companies have reported your accounts to them. Reporting is not mandatory and some companies report more regularly to the bureau in their region.  * Mortgage lenders often look at all three of the bureaus' FICO scores and take the middle score to assess your eligibility. It is best if you know what the middle score is and make it the best it can be.

Daily Credit Tip: Many consumers struggle with bad credit issues caused by financial mismanagement such as late payments, maxing credit cards and perhaps bankruptcy. When there are existing debt problems, borrowing more money to pay bills may become a habit that escalates beyond quick recovery due to mounting interest charges. Prepare an annual financial plan and break it down into months and weeks, so you can more easily monitor your success.


Free CheckBook Register Software to Manage Expenses. You can categorize and itemize your bills to see where you spend money most. Our software is valued at over $6,000 but it's yours, 100% FREE!


 Free CheckBook Register Software to Manage Expenses

Free CheckBook Register Software

100% Safe & Virus Free - View Reports    View Manual


2nd Chance Bank Account


To Qualify:

*Your employer must offer direct deposit.

*You cannot have any existing checking or savings account with any bank.




Credit Federal's Free Personal Finance Center:

Manage your checkbook register and more easily balance your account using our free software. It's simple to use, operates on Windows computers and requires 16MB of disk space. Download to your home or mobile computer.

Download Instructions: Click on the download link, select 'Open'. Follow download instructions (accept cookies, agree to Terms, etc). The CreditFederal software will download first, then the Sun J2SE software. Both programs are necessary for the Personal Finance Center to function. After both downloads are complete, an Icon will appear on your main Windows display. To launch, double-click the Icon on your main Windows screen.

Click for instructions on how to use the free software.

CheckBook Register
- Easily manage your checkbook and balance your checking account. Our checkbook calculator automatically adds all of your deposits and subtracts all debits, and gives you details about where you spend your money most. Quickly sort and view expenses by categories such as medical, credit card bills, personal expenses, etc. You can easily edit, add and delete checkbook expense entries.


Our software is more powerful than regular, paper checkbook registers. In addition to making it easier to manage your checking account expenses, the software also offers you other free functions.

Credit Tips
- our software will help you analyze your expenses and will offer you tips on how you may be able to improve your credit score.

No AdWare
- our software does not contain any AdWare, and there are absolutely no popups. If you desire to apply for a credit card or loan, our software will offer you links to the Credit Federal web site.

Easy Install and Un-Install
- The software is easy to download, and contains a quick uninstall function should you desire to remove it from your computer.

No credit card required
- Our checkbook register software is absolutely 100% free and without any obligations. Our software does not require you to enter sensitive personal information such as back account or credit card information.


Get your free checkbook register software.  It's like an electronic checkbook register template, because instead of using a pencil and eraser, you use your computer number-pad and delete key. Our software will automatically calculate your total checkbook entries; including deposits (credits) and debits, plus it will total categories of expenses. A regular, paper checkbook ledger won't automatically do that for you! Credit Federal's free personal budget software will itemize how much you spend in each category for any date range. For example, you can view how much you spent on rent for the past year, or how much you've spent on utilities for the past six months. You can view all of your income (deposits) for the past year, or for just the last several weeks. Our software is 100% free and operates directly from your personal computer (Windows Required). Download our free software.



If you are a freeware site, include our checkbook software via our PAD file.


Read our latest information about personal finance.

Personal Credit


Personal credit counseling can be received in various ways, for example it may be in the form of a one-on-one consultation to review finances, by attending seminars or credit counseling classes, or attending classes to learn about finances. These could be offered by a non-profit organization, a church, community education course, colleges, or a private business. There are several choices for learning how to manage or get help to manage your personal credit. Many people seek the help of a reputable company, and this can be done by checking with your local BBB or Better Business Bureau.


A Better Business Bureau rates businesses based on previous customer reviews or even their complaints. It will list how fast any complaints were resolved, or if they were resolved. The BBB offers free access to the public and ratings of credit counseling companies can be viewed online. It can be helpful to find a person who recommends a company. One option could be to ask friends, family members, or neighbors if they have used a specific company you are interest in contacting, and if they were pleased with the services provided.


By speaking to a previous customer, positive or negative information about a company can be learned. A good personal credit counseling agency needs to be honest with their clients. For example, some companies will mislead clients about the ways they can fix bad credit reports. Credit counseling companies can not reestablish someone's bad credit but they can offer suggestions to rebuild poor scores and give advice about how to pay off debts, to be able to reestablish credit.


Some companies work with their clients and teach them the benefits of understanding and managing their credit reports. This could be done with a consultant or through some group seminars. They can give valuable information by educating consumers about credit. People can learn about how credit affects their financial life, and ways to get credit to rebuild credit. For example, a person with poor credit could apply to get a short term personal loan, with the goal to repay it back by the due date. The goal is to get positive information reported, and this helps over time.


Credit Reports could affect these areas:


* Employment

* Insurance

* Renting 

* Credit Cards

* Mortgage

* Student Loans

* Large Purchases

* Auto Loans and Leases

aug 17 personal credit below;

Personal Loan


Consumers have multiple credit resources as they tackle financial problems. People constantly deal with late bills, basic expenses, and high medical debts. One choice to consider is applying for a personal loan to get extra money. No matter what kind of circumstance, finding money online has become more simple than going to a local bank. Tight credit means banks are lending less money to people who have experienced some financial issues. 


Needing money at times has not changed over the years, people still have days when they need or just want a small personal loan. These loans are called fast cash loans and they are unsecured loans, meaning that they do not have collateral backing them. The borrower must sign a formal promise to repay the loan. This makes any associated paperwork much simpler and faster. 


Large loans are typically obtained from a bank and require some form of collateral, like a home, auto, or other big item. Because of having collateral, interest rates tend to be significantly lower. Applicants may want to redo a home or pay for their young adult's college, so the collateral often used is a home. The risk is that it could be lost if the loan is not paid back. Another problem can be when a person borrows more than they really need, thus taking more years to get it paid off.


For really small loans of a couple of hundred dollars, credit cards or payday loans may be used to make purchases. These can be choices when a little money is needed for a specific purchase or project. Rates and terms of any loan, is affected by credit history. For example, a person who has bad credit will pay more in higher interest rates. Yet if money is needed, a high interest loan may be the only way to get funds.


Smaller loans are sometimes referred to as a signature loan, and payday loans are signature loans. These can be somewhat more expensive, but when compared to late fees for bounced checks, they can have much lower charges. Cash advances of a few hundred dollars and up to as much as $1500, are typically granted without even a credit check. This option allows borrowing opportunities that work for millions of people no matter what their credit type. Eliminating small debts are often done by using means like payday loans. This can help get a late bill paid to get a bill collector satisfied, and the loan can be repaid a few weeks later. 


Using the Internet can be helpful as there is much information on knowing how to manage finances successfully, or to be able to undo bad credit. Being able to effectively manage money can have a positive effect on your present and future financial security. Good credit can produce better terms and rates on long term loans. Before seeking any type of loan, review scores to get an idea if getting credit will be costly due to less than perfect history.


When considering a new home loan, no matter what your credit status, become an informed consumer by researching available choices. Loan shopping is when you review the terms, conditions, and rates of possible lenders. For blemished credit, it is even more important, to check out the costs. Never rush into an agreement thinking there are no other options. There is no need to just stick to the choices of dealing with local lenders, because there are tons of national loan lenders online.


Refinancing mortgages is done everyday using lenders on the Internet and has become a very popular way to do business. Take advantage of numerous options to get the best refinancing. One big reason people go for refinancing, is to get extra cash to pay debts, college, or remodel a home. When choosing to refinance, make sure you know all the costs involved in the loan. Responsible borrowers are taking advantage of low rates while they last, and they figure exactly what they can borrow and pay back easily.


Personal credit is important, and scores reveal the good or the bad grade. Being able to save money in fees, is determined by scores. Checking credit reports and managing bills is all part of the process to maintain or rebuild personal credit.

aug 24 personal credit below;

Personal Credit


Personal credit is important to maintain, and when repairing credit is a goal, having setbacks that can knock credit down is to be avoided. Paying bills late is just one of those things that has a lowering effect on scores. When credit is poor and bills are late, sometimes it is best to get money fast so the bills can be paid on time.


This is when a small payday loan can be handy and easy to get for most applicants. Many of these lenders accept all credit types and applicants can get an answer in a hurry. This is a source to get money that can be repaid on the next payday or within a couple of weeks or months. Getting money so payments can be made on time, can eliminate high late charges. 


Personal loans use to be very hard to get for people with bad credit, not so any more. There are fast cash programs that are helping people in all states get the funds they need within a day or less. Many of these loans can fit the needs of consumers throughout the United States. Whatever the applicant may need the money for, does not matter, they may be able to get approved faster and easier using online lenders.


There are always questions from people who have never applied for a loan. Questions are not a problem, as most sites have an FAQ page, so the applicant can get answers and complete the form. It can be best to read about when the loan is due to be repaid, and the requirements for the loan. Read about the payback date, as these vary between companies. Some loans are for a few weeks, others are due in a couple of months. Getting quality service with online payday loan companies is possible. There are many respectable lenders. Getting a small loan is an option that a non homeowner can have, without any collateral. Paying back a personal loan on time, can help provide good history on credit reports, if the provider reports to major agencies.


A few ways payday loans are used:


* Pay for college and books.

* Pay for child care.

* To pay bills on time.

* To buy a computer.

* To purchase gifts.

* To take a vacation.

* To pay for repairs.

* To have money during an emergency.

* To make home improvements.

* To get a down payment for something.


Often people have situations that can cause stressful days and nights. Sometimes, just getting money for financial problems, helps until a few paychecks go by. Paycheck loans allow people to apply 24 hours a day, 7 days a week. There are quick forms online, and getting an answer does not have to take days. Even Americans with the worst credit may be able to get approved for a small loan.

Aug 31 new below

Personal Credit


Personal credit scores are based on standards of the major credit rating bureaus: Experian, Equifax, and TransUnion. Lenders average the fixed score from each of these to determine a borrower’s eligibility and terms of financing. The rating system looks at several factors and gives a points rating to each one. Positive and negative factors can affect the score.


Factors that can affect credit scores:


* Payment history accounts for about 35% and the way debts are paid, for example if they are paid in a timely manner or paid late. It reflects the number of past due items and how long they were

  delinquent, or if there was any collection activity. Another factor is any public records like bankruptcies, liens, and wage garnishments.


* Current total debts accounts for around 30% and considers the total amount of debts owed. This is the number of accounts and each balance owed and it influences FICO scores. Credit bureaus will

   look at outstanding debts in relation to the available credit. Getting out of debt by paying down debts can help raise scores over time.


* The length of credit history is a factor concerning the amount of time accounts have been open and the account activity.


* New credit is any recent accounts established. This also includes any credit inquiries indicating attempts to get new lines of credit.


* Types of credit considered is the total number of the types of credit that has been secured. This includes revolving debt on credit cards and retail accounts.


Some lenders may not view past performance as a guarantee of future performance. This is not always true as a credit rating is an indicator of past borrowing and repayment performance.

This can give lenders an idea of how likely it will be for a borrower to repay a new loan in full, on time. They use a consumer's credit rating to determine their risk in loaning money.


A person who has a good credit rating may not have to pay high interest fees or may not have to give a large down payment. Personal credit scores are used to determine whether to loan money to small businesses and corporations. Factors like age, race, ethnic background, religion, sex, and marital status, do not influence scores. Employment history, current employment, wages, and assets are not taken into consideration as part of FICO scores, yet some lenders may look at these areas when evaluating a person's credit worthiness.


Qualified borrowers have a FICO rating of 750 or better, yet people with a score of 650 may be able to get a loan that has higher interest rates. These scores can change monthly to reflect any changes to the criteria used to determine the score. If a loan is paid off it could improve scores. If a bill is not paid or bankruptcy is filed, it could lower scores. Monitoring scores can help identify any problems that may need correcting. is the site to visit to request a free credit report, and get credit information almost immediately, but it can take longer when not using the Internet. Credit services can help monitor FICO scores but it usually requires a monthly fee.

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. Review - Copyright 2011 Sovereign Bank. All rights reserved. Equal Housing Lender logo Equal Housing Lender - Member FDIC

Checking Account - From a rewarding account for customers that do more of their banking with us to worry-free accounts with no monthly fees, you're sure to find the checking account that makes your life easier and fits your budget.

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Sovereign Preferred Banking offers you the convenience and easy access of Sovereign Preferred Checking.

Sovereign Classic Banking features the simple and worry-free Sovereign Classic Checking account.

Sovereign Student Banking is simple, convenient, and affordable, and offers Sovereign Student Checking - an account with no balance requirements or monthly maintenance fees.

Sovereign Debit MasterCard - Use it instead of cash wherever debit MasterCards are accepted, whether in person, online, or by phone. Even pay your bills with it.

Personal Online Banking - New to Online Banking with BillPay? Enroll now to experience all the ease and convenience Online Banking with BillPay offers.

Benefits of Enrolling Online
* Quick and easy application process
* Save a trip to your local branch
* Gain immediate access to your accounts if your identity is verified

Note: For your protection, we will send your ID and Password by mail if we are unable to verify your identity online.

When you enroll in Online Banking, you will be able to save time by managing your day-to-day banking activities from any personal computer with Internet access - while still having complete control of your funds. 

When you use our free BillPay service, you can save time and money while managing your bills. Why go through the hassle of check writing and check mailing, when you can simply have your payments debited from your Sovereign Checking account on the scheduled payment date?

* Check your account balances, review activity, and access account history
* Transfer funds between accounts
* Set up recurring and future-dated transfers
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* Pay bills
* Receive e-Bills through BillPay
* Online Banking Guarantee

Don't have a Sovereign Checking account? Open one online today - our online account process is simple, secure and convenient.

Before you Freeze Your Credit Report with Bureaus, Review these Pros and Cons.
Really free credit scores from credit card company.
Review these free tips which offer debt help for unemployed people.
With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.
You can remove a credit freeze permanently, amd you may also request a temporary lift of a freeze.
Bank Free Credit Score - The Consumer Financial Protection Bureau (CFPB) is imploring banks to offer free credit scores to their members.
Apply for the Best Back to School Credit Card for Savings Rewards on Clothes, Shoes, Notebooks and All Supplies
Debt Collectors on Facebook Social Media to Locate Delinquent Account Payers for Collections
It's important to properly balance checking accounts with your bank so you don't overdraft or bounce a check. Free guide how to balance a checkbook.
Financial education should begin early to avoid bad credit habits. Free tips and advice to teach kids about credit, plus our free electronic checkbook register software.
Consumers Pay the Price for Check Fraud Scams. Read our tips on how to avoid credit scams and download our free checkbook register software.
Our proprietary Personal Finance Center software has received multiple awards, and yet we still give it away 100% free. Download your electronic checkbook register copy.
The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks. Apply for a bank checking account and use our free checkbook register software.
Take control of your personal budget to cut expenses immediately. Download our free checkbook manager to track expenses.
Banks report more suspicious and potentially fraudulent account activities to the federal government. Read about scams and download our free checkbook register software.
Banks flaunt free checking accounts with no monthly service fees, yet increase other charges. Download our free checkbook register software.

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. Review - © 2009 Charles Schwab Bank. All Rights Reserved

There's never been a better time for Schwab Bank - From our wide range of FDIC-insured deposit accounts to an approach to customer service that's unique in the financial arena, Schwab Bank was created to meet the high standards and varied needs of our valued clients.

High Yield Investor Savings - The FDIC-insured Schwab Bank High Yield Investor Savings™ account offers a great variable APY regardless of your balance-with no account minimums or monthly service fees... more

Checking, Savings, and CD choices - We offer several types of accounts, including checking, savings, money market and certificates of deposit... more

Mortgage Financing Solutions - A variety of lending programs that are priced and designed to meet your specific financial goals... more

Community Reinvestment - We at Charles Schwab Bank share your commitment to giving back to our communities... more

Unlimited Deposit Insurance Coverage Rule - All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit

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