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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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bank account; *Get rent payments reported to a credit bureau; *Get accounts added to your credit history; *Get added as an authorized user on someone else's credit account; *Get a store charge card or a gas card; *Get a good credit person to cosign a loan for you.

Credit Advice - When you apply for credit, one of the first things a lender typically checks is your credit score. If you know what your credit score is before you apply, you'll have a better idea of your approval chances for a credit card or a loan. To improve your chances of getting approved, apply for credit that matches your score.


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 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.



Some bill collectors constantly call and leave messages on answer machines, this only ads to the problems of being deep in debt and stressed. There comes a point when being in debt must be handled in some fashion to get relief. To get out of debt means there must be a financial plan in place and spending money must be monitored. Unless more money is generated, the money that is earned must be stretched to payoff bills. Not many people have the energy or time to get a second job just to earn more money. Free debt consultations are offered online and there is usually a no obligation quote. 


A few examples of debt relief methods are below:


* Combine credit card debts into one easy, to pay monthly bill.

* Negotiate with creditors to reduce the debt balance owed.

* Work with a debt service to learn how to manage finances.

* Use the equity in a home to get a loan to payoff debts.


There are many companies who are professionals in working with people. Most of them have programs that are unique to the service they provide. People who are in debt need affordable monthly payment plans, to get bills paid off. Professionals are good at educating people about the different types of debt, like secured and unsecured. Good companies usually have trained staff members who are able to give options for the different types of debt relief.


Debts can be the secured type that is connected to collateral, that a lender could take possession of if the borrower defaults on the payments. An example of collateral is an auto or home. There are some business, like a pawn shop, who offer short-term loans that can also be secured by some type of collateral. Lenders like secured loans as they can take the property if the loan is not paid. The good thing for a borrower is that secured loans usually have lower interest rates, but the risk is loosing the property if the loan is not paid. There are hundreds of unsecured payday loans that many people use to pay off small debts. They apply for these small loans at times when they have exhausted their paycheck and need extra money. Some lenders do not require a credit check and bad credit people may be able to get approved easier.


Debts that do not have any collateral connected to them, are unsecured debts. In this case, when a borrower defaults, the lender may have to take legal action and they can have negative comments placed on a person's credit reports. Credit card debts are a type of unsecured debt, that is why using a credit card, and repaying on time, can have a good effect on reports. By doing this, it can repair poor credit.

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 - Member FDIC. Equal Housing Lender. © 2011 Bank of the West

Free Checking - No monthly service charges and Online Banking with free Bill Pay and free* Mobile Banking make this checking account a convenient, economical way to bank. Sign up online for this account in 5 easy steps.

Choice ATM Checking - Free cash withdrawals at any institution’s ATM worldwide. Plus, first-class customer service. Choice ATM Checking is now available in Arizona, California, Colorado, Minnesota, Nevada, New Mexico, Oklahoma, and Oregon.

Choice Interest Checking - Earn interest on every dollar in your account, while maintaining easy access to your cash. Plus, it’s simple to sign up online.

55 Plus Checking - This is the checking account choice for you if you’re at least 55 years young and want to take advantage of extra perks

The Bank of the West Debit Card is accepted at millions of locations worldwide.

Purchases and payments have never been easier, or more secure. Use your Bank of the West Debit Card in place of checks, cash or credit cards. Plus, you can use your Bank of the West Debit Card to get cash at merchants, any Bank of the West ATM, or at any ATM with the MasterCard® logo.

Swipe and sign with your Bank of the West Debit Card - Use your Bank of the West Debit Card instead of checks, cash or credit cards. It’s quick, convenient and secure. Just swipe your card, then sign your receipt and the amount of your purchase will be deducted from your checking account.¹

Choose debit card over cash or checks - Your Bank of the West Debit Card is more convenient than checks and safer than cash. No need to carry a bulky checkbook, or fill out a complete check, simply swipe and sign. Plus enjoy the peace of mind that our Zero Liability policy provides for unauthorized purchases.²

Pay as you go - Choose your Bank of the West Debit Card when it makes financial sense for you to pay as you go. Purchases and payments are automatically deducted from your checking account.

Manage your money - Monitor the details of your debit card transactions - including date, amount, payee name and location - on your checking account statement every month.

Sign up for Bank of the West Online Banking and make paper statements obsolete

Plus, if you sign-up for Online Banking, you can monitor your debit card activity anytime you want - no need to wait for a monthly account statement.

Overdraft Options - What's your plan for avoiding overdrafts and declined transactions? We know that with today’s hectic schedules it’s easy to lose track of your checking account balance. To help you avoid overdrafts and declined transactions, we offer the following options for your account.

Gold Line - Our Gold Line account provides a line of credit that advances funds to your checking account in increments of $50 to cover overdrafts. Total available overdraft coverage is determined by your credit limit, and credit is subject to approval (fees may apply).

Savings Overdraft Protection¹ - Savings Overdraft Protection automatically transfers funds in increments of $50 from your savings account to cover overdrafts on your checking account. Total available overdraft coverage is up to the available balance in your savings account. Conditions and restrictions apply. Contact your local branch for all the details.

Debit Card Overdraft Service² - Debit Card Overdraft Service is a service for debit card users that applies to ATM and everyday debit card transactions. In the event that your checking account balance is low, we may pay these transactions at our discretion for a fee of up to $36. Fees vary by state

Credit Cards - We offer the perfect credit card to suit your life and your lifestyle. From our Standard MasterCard® Credit Card to our Platinum Rewards MasterCard® Credit Card you get ease, convenience and of course, great Bank of the West service. And your Platinum Rewards MasterCard® Credit Card can reward you with extra cash, gift cards for your favorite stores and restaurants, or even a well-deserved vacation.

Platinum Rewards MasterCard® Credit Card - This is the card for you if you want to earn rewards easily on every purchase, all with no annual fee. 24/7 access with Online Banking. Get 1 reward Point for every $1 in purchases. Earn unlimited reward Points with no expiration dates and no annual cap. Redeem online for your choice of awards - gift cards, cash rebates, merchandise, travel, and unique experiences.

Platinum MasterCard® Credit Card - The perfect choice that allows you to take advantage of exclusive platinum benefits with low rates and no annual fee.

Standard MasterCard® Credit Card - One simple, easy-to-use card that delivers the convenience you want for everyday purchases.

Military Loans - We're proud to offer Military Loans to all ranks and branches of the military including: active duty, immediate family (spouse and children), retired, National Guard - active and reserve, new enlistees, college ROTC students and cadets, honorably discharged and disabled veterans

Construction Financing - Our Construction Lending specialists can help you find the financing for renovating or building projects on your home.

Home Equity - Find out how you can use your home's equity to help with other goals including renovations, debt consolidation and even tuition.

Vehicle Financing - Whether you need a vehicle for work or for play, we offer a range of competitive loans that put you in the driver's seat.

Mortgages - We have a full range of mortgages and useful tools, so that you can select the one that best reflects your needs.

(800) 488-BANK (2265)

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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