Credit Advice & Tips


Privacy and Security


Now is the time to begin planning
your Christmas financing strategy 





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

Browse for more credit offers.


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



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

Certified! No Viruses, No AdWare, No SpyWare


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.



People are seeking debt advice every day as they are buried in bills. There are some tried and true methods to get out of debt, yet deciding on the one that is right, can be difficult. The most important thing is to stick with a plan and keep track of goals. Getting out of debt requires dedication once a plan is implemented.


It is so easy to become burdened with debts, yet almost impossible to escape from it when thousands of dollars are owed. Unfortunately, some may wait too long to try to tackle it. To be able to get control of it, it is necessary to understand the types of debt. Some debts are unsecured, which means the debt is not attached to a piece of property, like credit card debt. A mortgage payment is a secured debt, and if the loan is not paid, there is a risk of losing the home.


Getting control of bills needs to begin with a carefully prepared, written budget, and keeping track of every dollar. It is a guide and may need adjusting from time to time. That is ok, it helps to review it, adjust it, and, stick with what is written down.


Organize all required monthly expenses. Begin with food expenses, the mortgage payment, and utility bills. Consider looking over last years bills to get an estimate of the total expenses for the year. For example, a utility bill may be higher during hot months or cold months, and it may be necessary to set aside money to prepare. Reviewing last years income and expenses can help you discover any extra payments for insurances, taxes, etc.


Example of Expenses Listed on a Budget:


* Mortgage Payments

* Utility bills

* Phone bills

* Child Care

* Gifts, Birthdays, etc.

* Gas, auto payments, repairs

* Food, cook more, eat out less

* Money deposited into a savings account. 


The list above is an example, make your own list and write a dollar amount by each item. Consider things on the list that could be eliminated. For example, cell phone plans could be reduced or home phones may not be needed. Notice that entertainment is not on the list. By eliminating this expense, there could be more money to use to pay down bills. If it is put on the budget, make sure to set an amount that is reasonable and set limits. Entertainment expenses can take a big bite out of the monthly income. Try to do more home activities for a while.


First time budgets can be a success, and it takes time for it to become a habit and refined. It is a starting point, as many people never follow one, and later wonder how they got into debt. The more it becomes a habit, the more you know your expenses, and what you must plan to spend out of each paycheck. Keeping bills paid on time can be huge stress relief.


Target debts to pay every time a paycheck is received, spread it around to what is necessary to pay first. After some weeks, you may find your finances in better shape and feel some pride in getting debts well under control. Paying debts must become a weekly target, to make progress and get bills paid. This also helps to avoid any added expenses. Using a calendar as a reminder is a good tool to use. When getting out of debt is not working, consider a free quote from a debt counselor.

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 Commerce Bancshares, Inc.

Commerce offers loans to help you reach your financial goals, along with an easy application process.

Auto & Motorcycle Loans - Loans for new and used cars, trucks and motorcycles. Learn More >>

Boat and Recreational Vehicle Loans - Loans for recreational vehicles, boats, jet skis and more. Learn More >>

Home Equity - Put your equity to work for home repairs, remodeling and more. Learn More >>

Mortgages - Loans for purchasing a home or refinancing the one you already have. Learn More >>

Personal Unsecured Line of Credit - Our new product, the Commerce Bank ReadyLine of Credit, is a variable rate line of credit which provides a reusable source of funds. Learn More >>

Personal Unsecured Loans - A fixed-rate loan available with or without collateral. Learn More >>

Student Loans - Bridge the gap between the cost of your education and the amount you receive from scholarships, grants and federal aid. Learn More >>

Checking Accounts - Commerce offers a wide range of checking accounts; all designed to make banking easier for you and help you reach your financial goals. If you decide that you want to open an account with us, please follow our simple instructions to switch to Commerce Bank.

* myRewards Banking
* myDirect Checking
* myDirect Student Checking
* Interest Checking
* CommerceOptionsSM

Commerce Bank offers credit cards with exceptional benefits and rewards. We have the credit card that is right for you and your financial needs. Learn More >>

Check Cards - A Commerce Visa® Check Card gives you convenient, easy and secure access to your account. Commerce Visa Check Cards can be used at ATMs or to make purchases anywhere Visa debit is accepted. Learn More >>

Gift Cards - Commerce Bank Visa® Gift Cards make gift giving easy for any occasion. Available in any whole-dollar amount from $25 to $1,000*, Commerce Bank Visa Gift Cards can be used to make purchases anywhere Visa debit is accepted. Learn More >>

Payroll Card - The Commerce DirectCheck CardSM is a safe and convenient way to receive your pay from your employer. The Commerce DirectCheck Card can be used to make purchases anywhere Visa debit is accepted and is a convenient alternative to carrying cash. Learn More >>

Commerce Bank’s Online Services are easy, secure and give you 24-hour access to your account information. 

Online Banking - Access your account online

Online Bill Pay - Pay your bills online

Mobile Banking - Manage your finances anywhere with Mobile Banking

Alerts - Manage your accounts through email notifications

Credit Card Online Account Access - Access your Commerce credit card information online 


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?

Tip of the Day: Would it be foolish to get another unsecured credit card when you already have several cards maxed out? Perhaps not. Your FICO score takes into account how much of your total credit line is already obligated on credit cards and other revolving credit accounts. If you are close to maxing out your credit cards, this can lower your score. So getting yet another unsecured credit card may not harm your score, but could help it (considering there are no other problems with your score) by increasing your available credit limit. But don't max out the additional credit card, too.

Tip of the Day: To curb credit card charges, wrap your credit card in a sheet of paper and keep a log of purchases written on the paper, with a grand total of charges in view each time you reach for your card. Before swiping your card, figure out how many hours you'll have to work in order to payoff the charge and jot on the paper: "IOU #Hours of Work". Perhaps seeing how long you'll need to work to payoff the charge will help curb spending.

Copyright 2001-2014: CreditFederal.Com personal loan for bad credit, no credit check credit card, debt settlement negotiation, bill consolidation, mortgage & auto loans.