No obligation credit report, credit card and loan offers

Free no obligation credit report, credit card and loan offers plus other financial services. Get offers for limited and trial credit programs. Receive emails of special financial programs.

No obligation to apply - Join Credit Federal's free membership and take advantage of special credit offers with no obligation to apply. You may cancel membership instantly at any time, and we will not add you to any other mailing lists.

No obligation credit: Frequently, Credit Federal receives special consumer opportunities from national credit resources who want to introduce their new services to our members. Credit Federal reviews these offers, and if they are potentially a benefit to our members we notify them via our financial newsletter. By registering to become a member of our free credit offers newsletter, you may take advantage of new programs, regardless if you have good or bad credit. Examples of past offers include no deposit credit cards, no credit check loans, as well as no obligation credit reports. . Join our free credit offers membership today. You may cancel instantly at any time.

Free Credit Offers: Join our free credit offers membership for bad credit, good credit, even no credit, and get 100% free access to government grant and unclaimed money links.

Can the bank delay the posting of a payment to my credit card account? The general rule is that the bank must credit a payment to a customer’s account as of the date of receipt. The bank can set reasonable requirements for making payments.

Reasonable requirements include:

* Requiring that the account number or payment stub be provided with the payment,
* Specifying that only checks or money orders be sent by mail,
* Specifying that payment is to be made in US Dollars,
* Setting reasonable cut off times for payments received by mail, by electronic means, by telephone, and in person. The cut-off time must be 5 p.m. or later, except for in-person payments at branches that close prior to 5 p.m.

If the lender specified reasonable requirements on the billing statement, but accepts a payment that does not conform to those requirements, the lender must credit the payment within five days of receipt.

In general, payments made at a creditor’s Web site prior to the specified cut-off time would be considered timely.

You should review your statement and the account agreement to determine the bank's policies or contact the bank for an explanation.

Can the bank apply payments to the “purchase portion” of the account first and then to the cash advance balance? As of February 22, 2010, there are new requirements in federal law. The bank must apply the amount paid in excess of the minimum payment to the balance with the highest interest rate. For example, if the highest interest rate applicable to your account applies to the cash advance balance, the amount of any payment you make in excess of the minimum payment would be applied to the cash advance balance.

There is an exception for deferred interest plans. A deferred interest plan is a payment plan that is typically offered at the time of purchase that permits a consumer to avoid interest charges if the purchase balance is paid in full by a certain date. Often, deterred interest plans are offered in connection with the sale of higher-priced goods, such as furniture or electronics.

For deferred interest plans:

* you may request to apply extra amounts to the deferred interest balance before other balances; and
* for the two billing cycles prior to the end of the deferred interest period, the credit card company must apply your entire payment in excess of the minimum payment amount to the deferred interest rate balance first.

Why wasn't my online payment credited to my account on the same day I made it? The general rule is that the payment must be credited as of the date it is received.

The bank may set reasonable requirements for payments, including a cut-off time. The cut-off time on the payment due date generally must be 5 p.m. or later. Payments received after the established cut-off time will generally be credited as of the next business day. If the bank listed reasonable requirements for conforming payments on your billing statement, but accepted a payment you made that did not meet those requirements; the bank must credit the nonconforming payment within five days of receipt.

If the bank promoted electronic payment via their web site, then generally any payments made via the bank’s web site prior to the specified cut-off time would be considered a timely payment.

This month my due date falls on a Sunday. I mailed my credit card payment and it has not arrived there yet. If the payment is received on Monday, will it be considered as late? If your payment due date falls on a weekend or a holiday when the lender does not accept or receive mailed payments, any mailed payments received by the lender before the cut off time on the following business day will be considered timely.

For example, if you mailed your payment via US Postal Service and the due date is Sunday March 14th, but the lender does not receive mail on Sundays, then your postal payment would be considered timely if it is received by Monday, March 15th, before 5 p.m.

However; it is important to note that:

* If the bank accepts or receives payments made on the due date by a method other than mail, such as an electronic payment; and
* You make your payment electronically;

Then your electronic payment must be received by the bank by the cut-off time on the due date (Sunday, March 14th) in order to be considered timely.

When is my credit card payment considered late? Whether a payment is considered late or not is generally determined by the terms of your account agreement. If you always ensure that your payment is received prior to the due date included on your statement, your payment will not be considered late.

The Credit CARD Act requires that if you mail your payment and the due date falls on a day when the lender does not accept or receive mailed payments, then a payment will be considered timely if it is received by the lender prior to the cut-off time on the next business day.

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.

ACCS.org/ Review

American Credit Counseling Service (ACCS) was founded on March 1, 1988, with a mission to help consumers, by providing financial education to those in need. In June, 1989, in response to requests from the United Way, ACCS began providing no-fee one on one credit counseling to United Way clients, in addition to seminars. ACCS was incorporated as a “not for profit” corporation, American Credit Counseling Service, Inc., in March, 1992, and received its tax exempt IRS 501 c (3) status in August, 1994. We continue to provide quality Financial Education to the consumer, and we still conduct seminars and workshops to the public, free of charge. We maintain a policy of lowering or waiving our fees for consumers, the majority of which are low income. We staff our nationwide toll-free telephone numbers for consumers that seek free credit and financial advice. We at ACCS feel that we provide services that are essential to all the communities that we touch.

Personal Budget Assistance - A budget is the basic tool needed for all financial decisions. Learn how to develop yours today. Need more assistance, give ACCS a call.

Credit Card Troubles - ACCS is there to assist you with credit and money problems. Help is a click away.

Financial Education - Education is the key to being a well informed consumer. ACCS has lots of resources on all aspects of your finances.

Credit Report Information - Have you checked your credit lately? It is important to review your credit reports. If its been a while, check them today. If you have questions, our counselors are ready to assist you.

Questions To Ask a Credit Counseling Agency:
* What services do you offer?
* Do you offer a free consultation?
* Will you help me develop a budget and a plan for avoiding problems in the future?
* How much and what type of fees do you have?
* What if I can’t afford to pay your fees?
* What qualifications do your Counselors have?
* Are the Counselors certified by an outside organization?
* What training do the counselors receive?
* What do you do to keep information about me (including my address, phone number, and financial information) confidential and secure?
* How are your Counselors paid?
* Are Counselors paid more if I sign up for certain services?
* Are Counselors paid more if I pay a fee, or if I make a contribution to your organization?

Get Out of Christmas Credit Card Debt

Free tips and advice on how to get out of Christmas credit card debt. Research our library of debt tips and advice on how to manage your personal expenses. Download our free expense tracking software.

Credit Jargon - Common Credit Definitions

Learn common credit terminology using our easy to read, free credit glossary:

Abandoned and Unclaimed Property

Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.

Bankruptcy and Bad Credit Offers

People who filed bankruptcy or behind on bills due to lack of insurance, are raking in piles of free credit offers, including bad credit credit cards. Apply for a guaranteed credit card or instant approval loan.

Government Grant Scams

US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.

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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.

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

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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.

2nd mortgage loan - Equity cash loan, debt consolidation, remodeling and other uses.

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0 interest - Credit cards with no interest or offer 0 introductory rate periods.

0 intro - Online applications for 0 intro credit card offers.

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ATM card - Apply online for an ATM card.

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Auto loan calculator - Calculate monthly car payments and total interest paid.

Auto loan down payment - Options to get down payment money for an auto loan.

Auto refinance - Benefits of using a refinance loan to lower payments and/or interest.

Bad credit car calculator - How to negotiate with a car salesman for a better deal.

Bad credit auto loan - Understand invoice, sticker price and other dealership jargon before applying for an auto loan.

Bad credit card - Bad credit card application.

Bad credit home loan - Apply for a home loan and stop paying rent.

Bad credit personal loan - Online application for a no credit check loan with instant approval.

Bad credit - Learn the problems with bad credit and how to improve.

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

Balance transfer credit card - How to safely transfer balances to a 0 intro card.

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

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Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Chase credit card - Reviews and online applications for Chase cards.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Choosing credit card - Free tips on how to choose a credit card per your qualifications.

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.

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Credit card interest calculator - Calculate total interest paid at payoff.

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

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

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

Credit Federal - Good or bad credit personal loan and credit card resource.

Credit Federal - about us - Information about the CreditFederal.com website.

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

Credit report errors - How to correct credit report errors yourself.

Debit card - Virtual debit card offers online privacy so you can shop anonymously.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

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Discover credit card - Review and apply online for a Discover card.

Disney credit card - Special entertainment and travel cards.

Emergency loan - Emergency cash to pay bills, get your car repaired, or for any reason.

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

Fix credit report - How to fix credit report errors yourself or to get help.

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

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Gas card - Apply for a gas rebate card.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

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Gold credit card - Browse for gold credit card offers by each major credit card company.

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

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

Joint auto loan - How spouse credit affects joint auto loans, and the impact of divorce.

Joint credit card - How spouse credit affects joint credit cards, and the impact of divorce.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

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Loans for unemployed people - Options for jobless people to get money.

Long term unsecured loan - About long term unsecured loans.

MasterCard Credit Card - Review and apply online for a MasterCard card.

Mortgage calculator - Calculate monthly payments and interest.

Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

Mortgage refinancing - Read the benefits of mortgage refinancing.

Mortgage refinancing calculator - Calculate your new mortgage payments.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

No collateral business loan - Quick cash for small businesses.

No credit - Options for people with no credit history.

No credit check loan - How to get an unsecured loan with no credit check.

No deposit credit card - Get a credit card with no deposit requirement.

No deposit home loan - Apply for a no deposit, no down payment home loan.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

No obligation credit - Get free credit offers for you to consider.

Offers - American Express - Search American Express card applications.

Offers - business cards - Search business credit card applications.

Offers - Chase - Search Chase card applications.

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Payday advance - What is a payday advance and its conveniences.

Payday advance loans - Benefits of a payday advance loan and common uses.

Payday loan interest - Payday loans charge a fee instead of an interest rate.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

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

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

Personal loan application - Submit an online application for a personal loan.

Plan retirement - Prepare for retirement with our tips.

Platinum American Express Card - Review any current Platinum cards offered by American Express.

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Popular credit cards - Browse the best credit card offers, according to other CreditFederal.com visitors.

Pre-approved credit card - Learn what is; and get accepted for, a pre-approved credit card offer.

Pre-approved loan - Typical pre-approved loan choices.

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Reduce bills free - Tips on how to reduce your expenses to lower bills.

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Repay payday loan - Strategy to repay a payday loan.

Report credit fraud - How to report credit-related fraud.

Reverse mortgage - Information about the benefits of a reverse mortgage.

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Savings calculator - Calculate savings (interest) with this simple tool.

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Secured credit card - Control your spending habits with a secured card.

Secured and unsecured loan - Conventional loans explained and online applications.

Short term loan - Get a loan to meet an emergency situation.

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Student credit card - Apply for a student credit card.

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Unsecured platinum credit card - Two main types of unsecured platinum cards.

Used auto loan - Apply for a used auto loan quote.

Visa credit card - Get a Visa credit card, either secured or unsecured.

Wal Mart card - Get your retail shopping card or a gift card for a friend.

Daily Credit Fact: In Chapter 7 Bankruptcy, a trustee is selected who collects non-exempt property, sells the assets, and distributes profits to the creditors. It is different from other bankruptcy filings because the debtor doesn’t need to make payments to the trustee. With Chapter 13 Bankruptcy, the debtors are allowed to keep all of their property while the court approves a new interest-free plan for repayment.

Daily Credit Advice: Establishing a good credit history; or rebuilding damaged credit, should be your first step before applying for a loan or credit card. The next step is to decide which type you need, whether a secured or an unsecured credit card, an auto or a personal loan, etc. Only then should you compare offers and finally submit an online application.

No obligation credit report, credit card and loan offers.