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Auto Loan: Apply online for a good or even a very bad credit auto loan quote, including a new or used auto loan or refinancing.

Credit Card: Browse good and bad credit card applications including instant approval credit cards, gold, platinum, and guaranteed card offers.

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

Debt Counseling: Personal finances out of control? Unsecured credit counseling, debt management, debt negotiation or free debt settlement.

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

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

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

Payday Loan: Get a good or bad credit unsecured loan with no credit check, no security (collateral) and no cosigner.

Personal Loan: Short or long term personal loan up to $10,000 (as available, or view alternative loan options).

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

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt assistance, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.
Get free online IRS tax filing, or settle IRS tax debt

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Tip of the Day: Collection Agency Contact - When a collection agency calls you, don't be afraid to answer the phone. Answer and ask these questions: What is your company name? What number do I call to supply new information or to ask additional questions? Where are you located? Who claims I owe this debt? If you do not recognize the debt, demand the agency to mail proof to you. If the agency cannot provide proof, you can send them a cease and desist letter which also forbids them to place a bad credit entry on your credit report.


Personal Credit Advice: If you are short of money and a bill is due that will result in a late payment penalty fee, what can you do? Charge the bill to your credit card, because the interest on it may be lower than the late fee. If you don't have a credit card due to bad credit, get a payday personal loan to fill the temporary cash shortage.

  

Free IRS tax calculator to estimate taxes per taxable income. File taxes online for a fast rebate check.



Free Expenses Software - A $6,000 Value!

* Log and Track Expenses

* Itemize IRS Deductions

* Track Bill Payments and History

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FREE 2009 Federal IRS Tax Calculator: Input your taxable income and our tax calculator will automatically calculate your total IRS tax for 2009

 

How to use the free tax calculator:
1) Choose the tax year above which you want to calculate taxes.

2) Select your column with your filing type; either,

Schedule X: Single

Schedule Y-1: Married Filing Jointly or Qualifying Widow(er)

Schedule Y-2: Married Filing Separately

Schedule Z: Head of Household

3) Select the row which reflects your taxable (net) income.

4) Type your taxable income into the box and click "Calculate".

Tax rate schedules are provided to show how the tax calculator computes your total IRS tax. Refer to the appropriate 2006 Form 1040, 1040A, or 1040EZ for the tax equations.

   

Previous Year Tax Calculators

2006 Federal IRS Tax Calculator

2007 Federal IRS Tax Calculator

 

For more information about IRS tax return preparation and rapid refund, visit irs.gov for free tax return preparation and e-file forms.

 

Read our latest tax news, and search for other articles related to the IRS and tax filing.


Debt

 

People with poor credit may keep damaging scores just by getting deeper into debt or keeping debts. Those who want to find an answer to financial problems often seek a consolidation service. It is best to search one that has experience helping those with credit challenges. Many of these services, do require clients to have a certain credit score to qualify, yet there are some requirements to be eligible.

  

Some consolidation companies require borrowers to have a minimum level of unsecured debt, no existing enrollments in debt consolidation programs, and be willing to cancel credit cards included in the consolidation. People with excessively high levels of debt may not be able to qualify.

  

Having debts with high interest typically leads to credit problems, which can prevent some consumers from being able to consolidate. People with excellent credit, usually are able to get approved for a home equity, debt consolidation loan. When there are blemishes on credit records from the burdens of overwhelming debts, some debt relief programs may not be an option. 

  

However, there are many debt consolidation services who can assist those with bad credit and credit challenges. Lenders define "bad credit" in various ways, but a score of 620 or below is usually classified as poor. For scores like this, it can be next to impossible to get loans to pay bills from traditional banks and credit unions. Applicants are considered a sub-prime borrower, and few lenders are willing to assume that risk.

 

Consumers with poor credit do have some options to put a stop to constantly damaging credit scores. There are choices like credit counseling, consolidation loans, debt settlement, and the last solution could be bankruptcy. Finding the right service for individual debt needs can take some thought and research, which can be started by using online sources. Using online resources provides privacy and the ability to compare services. It can be one of the quickest ways to get a quote or check out a company to see if they are reputable.

 

Having bad credit usually does not disqualify people from receiving debt consolidation services. However, some consolidation companies may require that payments are no more than three months behind. For people who have more serious delinquencies, debt settlement or debt negotiation may be an option to consider. 

 

Some lenders offer debt consolidation loans with less eligibility criteria. Many debtors with bad credit can use these loans and pay off high-interest debts. These loans may have high interest rates, yet most loans for bad credit people do anyway. There are hundreds of choices for using professional services, the important thing is to start early, before debts and late fees are out of hand. Quotes are usually free, and it may be a step in the right direction to get one. Debt relief can help ease some of the stresses of life and may eliminate some sleepless nights.




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.
 

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Bank of America ranked #1 Online Bank: This marks the 5th consecutive win for Bank of America according to the Q2 2011 Keynote Banker Scorecard, which rates the banking websites of 23 leading consumer banks. Bank of America ranks #1 against a set of more than 300 best practice criteria, including Privacy & Security and Ease of Use.

Get started with Online Banking today. 
Don't wait for your statement to arrive in the mail. Use Bank of America's Online Banking service to view and track your accounts anytime.

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Life is hectic. Sign up for Online Banking and receive account alerts via e-mail or mobile device.

View up-to-the minute credit card account activity, pay your bill online and more.

Save time when you use optional Bill Pay. It's fast, easy and secure.

With Bank of America Mobile Banking, you can access your accounts whenever and wherever you want. Use your mobile phone or device to conveniently bank the way that's best for you: Mobile Web, Text Banking or Mobile Applications.

Using the Web browser on your mobile phone, visit www.bofa.mobi to access Online Banking. You can check balances, pay bills with our optional Bill Pay service, transfer money and locate ATM/banking centers.

Send text messages to request information about your balances and recent transactions. We'll reply with the latest. It's a quick way to get answers about your accounts on the go.

Download free Mobile Applications for popular phones like iPhone™, Blackberry® and Android. Designed to provide a customized Mobile Banking experience, they offer even more convenience.


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.
Getting your first credit card can be scary and nerve-wraking. Review first time credit card applications that help build credit
Before you splurge all that money, check out these smart way to spend your IRS tax refund.
Investing for First Time Beginners
The IRS has released the 2013 tax deductions and credits, taxable amounts and percentages. Using these figures you can caculate your total tax payment due and/or your refund for overpayment.
Finally ready to make your first time budget ever, or to create an actual working budget? Review these key points.
Keeping More of Your IRS Tax Money
IRS Audit of Tax Return
How first time credit applicants get approved for credit cards and loans.
Should I pay off my credit cards or my car loan first? Which option would save me the most money?
Credit Question: I cut-up and burned my credit cards, but I forgot to close the accounts first. How can I close a credit card account without the credit card number?

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