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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan





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 Personal Budget Software with Expense Manager

Use our free financial calculators to effectively manage money.


Credit Federal's Free Personal Finance Center offers:

 - Record and Track Expenses, and sort by type and/or by date.

 - Record Income/Deposits. Software also calculates debt-to-income ratio.

 - Instant Credit Grade Calculation. Software analyzes expenses.

 - Helpful Tips. If your grade is low, the software offers tips to improve.


The software is 100% free, operates on Windows computers, and does not require entering sensitive data such as credit card numbers, bank account numbers, etc. The software does not require being online to use.


Download Our Free Personal Finance Software

Free Personal Budget and Financial Software

100% Safe & Virus Free - Report


Download Instructions: Click on the download link above, 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 (like the one displayed on the left) will appear on your main Windows display. To launch, double-click the Icon on your computer desktop.


Instructions on how to use the free personal financial software.

The software helps you track and itemize expenses, setup bill payment reminders, and it provides a credit grade based upon your debits.

The software is easy to use and 100% free. Operates on Windows computers and requires 16MB of disk space. 


Don't forget to register for FREE Upgrades! As we update the software with additional free features, you can receive a notice via email simply by joining our free credit offers newsletter.


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



Free Personal Budget Software.  Do you know how much per year you spend on utilities? On insurance? On credit card payments? Get our free personal budget software to track expenses.  It will calculate all your expenses and income, and will provide you with itemizations.  This software can help you define where you mostly spend your money, and where you can make savings. Functions just like a checkbook register. It is 100% free, and operates directly from your personal computer (Windows Required). Download our free software.


Is Debt Weighing You Down?

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Achieve Financial Peace of Mind

Getting Help Can Be Easier Than You Thought

Apply Now For A Free Consultation



Read our latest information about personal finance.

Long Term Care Health and Disability Insurance

Overview of Long Term Care, Home Health Care and Disability Insurance

Long Term Care Insurance can provide help in paying for a nursing facility or in-home care for a long term illness. 

Surprisingly, Long Term Care insurance (LTC) isn't popular with most Americans. This thinking; of course, has strained the finances of many families who unexpectedly have to care for loved ones.

Before buying a long term care policy, decide:

What Kind of Long Term Care Insurance Coverage You Need? Get the details of policies from an agent or online.

Which Long Term Care Insurance Company to Join? In addition to reviewing company history, BBB comments or complaints, also compare coverage and premiums.

Do I need credit counseling or other financial management help? You may be headed for financial devastation if: More than 20 percent of your monthly net income is going to pay back credit cards and other loans (excluding a mortgage). You're borrowing money to make payments on loans you already have. You're frequently at, near or over the limit on your credit cards. You're only paying the minimum required on your credit card bill. You're paying bills late or putting off visits to the doctor because you don't think you have enough money. You're working overtime or a second job just to cover food, housing and other living expenses.

Beware fraudulent debt elimination scams: Debt Elimination Scams - If an Internet site or other advertisement offers to sell you a document you can use to "legally" eliminate an outstanding credit card balance or other debt, don't believe it. U.S. government and banking industry reports indicate a variety of schemes on the Internet and elsewhere promoting programs that, for a significant fee (sometimes thousands of dollars), fraudulently claim to enable borrowers to stop payments on a debt simply by giving the lender a specially-prepared document. Many of these offers also cite false claims about the Federal Reserve System, U.S. currency or other federal or state government programs as the legal justification for their debt elimination program. The bottom line: These documents are bogus and a waste of money. If you come across this scam on the Internet or elsewhere, consider reporting the details to the FBI by calling the regional office listed in your phone book or contacting the Internet Crime Complaint Center at

$10000 to $20000 dollar loan to pay off credit cards: You decide how much money you'll get to payoff credit card debt once and for all. You decide this by your credit score and your assets. If you have good credit and equity, you can get up to $50000, or even higher. If you have bad credit and no collateral; although you may still qualify for a large unsecured debt consolidation loan, it may not be worth it. The fees and interest you would have to pay could be far more than what your credit card company is charging you. Some people don't calculate the numbers first, and they hastily get a very costly loan which is doing more harm than good. Be wise... do the math before you apply.

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 - The mission of DebtXS™ is to empower consumers with honorable alternatives to bankruptcy through personalized and proven services.

An individual’s financial situation can easily be destroyed by loss of employment, a death in the family, unexpected circumstances, or a few bad choices. We are committed to helping our clients avoid bankruptcy and offering them an honorable way to resolve their debt. Our debt settlement program is tailored to each individual’s financial needs. We analyze their debt situation, provide them with their best debt settlement options, and educate them so they may continue to live their lives DEBT FREE

Many people turn to debt negotiation for different reasons. They may be on a consolidation plan and not seeing any progress, are suffering a financial setback and steadily sinking further into debt, or are in such financial strain that they are considering bankruptcy. We're here to help you eliminate your debts once and for all. We don't work for the credit card company, we work for you.

DebtXS™ works with you to eliminate your debts in the shortest amount of time with the least amount of money without filing bankruptcy. We will determine a monthly savings plan that fits into your budget based on the total amount of your debt. You are in COMPLETE control of your finances-you set up your own savings account where you set funds aside for the purpose of settling your debts. When we negotiate a settlement that YOU agree to, YOU withdraw the funds and send the money directly to the creditor. Unlike other programs, you are able to set aside as much as possible each month.

Debt Settlement is an aggressive approach to debt reduction, which is appropriate for debtors with a serious amount of debt or who are considering bankruptcy. A debt settlement company negotiates with the creditors to settle the debt for a lower amount than owed, as the debtor saves their money for a lump-sum settlement payment. After the debt is settled, the creditor will send a letter stating the debt obligation was fulfilled, and will report to the credit bureaus that the debt has been, “Settled for less than full amount”, “Paid” or “Settled”.

Creditors will usually settle for less than owed when the debtor is under serious financial strain because if the debtor chooses to file bankruptcy, then the creditor gets nothing. Creditors want to get as much money back as they can.

Debt Settlement is a way to get out of debt in the shortest amount of time, and with the least amount of money without filing for bankruptcy. There are some drawbacks though. The IRS considers a forgiven debt as taxable income, so at the end of the year, they will expect taxes to be paid on the settlement. The IRS, however, has a form (#982) available for special hardships. Debt Settlement can also be harmful to a debtor’s credit-rating while they are in the process of settling their debts because creditors won’t agree to settle on an account that remains current. The debtor’s credit report will reflect that they are behind in payments until the debts are settled.

Credit Counseling: If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit card debt settlement counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But be aware that, just because an organization says it's "nonprofit," there's no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which may be hidden, or urge consumers to make "voluntary" contributions that can cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person credit card debt counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified in credit card debt settlement consolidation and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

Unsecured Debt Consolidation Loans: The FTC defines Debt Consolidation as: You may be able to lower your cost of credit by consolidating your debt through a second mortgage or a home equity line of credit. Remember that these loans require you to put up your home as collateral. If you can't make the payments - or if your payments are late - you could lose your home. What's more, the costs of debt consolidation loans can add up. In addition to interest on the loans, you may have to pay "points," with one point equal to one percent of the amount you borrow. Still, these loans may provide certain tax advantages that are not available with other kinds of credit and credit cards.


Start Saving Money for Christmas – The Painless Penny Pinching Plan

I’m convinced the winter blahs are a combination of freezing cold weather and credit card bills rolling in from Christmas!

If Christmas bills are getting you down, it’s time to come up ways to save for next Christmas! It’s time to try 
The Budget Diet’s painless penny pinching plan.

According to the American Consumer Credit Council, the average American family spends $935 on Christmas gifts,
so if you can save around $78 a month – you’ll be set! Pick just 1 item from my painless penny pinching plan, and 
you’ll save at least $78 each month – it’s an easy way to save money for Christmas!

Christmas Club
Open a Christmas Club account at your local bank or credit union. It’s a simple way to save and earn a little interest. 
Most Christmas Clubs will set-up an automatic deposit from your paycheck in the amount you choose.

Brown Bag It!
The average lunch out costs $8, so if you’ll brown bag it on Monday, Wednesday and Friday – you’ll save $96 a month!

Make Your Own Starbucks!
Does your morning routine include a trip to Starbucks? It’s time to kick the Starbucks habit and start saving about 
$3 a day or $90 a month! For $90 you can buy a coffee maker, Starbucks coffee beans, flavored coffee syrups and 
even whipped cream if you so require! After your first month as a coffee brewmaster, start stashing the cash for 

Credit Card Rewards
Does your credit card offer a rewards program? Cash back? Points? If you can be good about paying off your 
credit card
bill in full each month, you might consider using that credit card for all your purchases, and then use the 
rewards to purchase gifts!

$5 Jar
This is the old fashioned coin jar adjusted for inflation! At the end of each day, place any $5 bills in the jar. 
At the end of the year, you should have more than enough money for Christmas, and it will be even more fun 
than counting coins!

Ditch the Drive-Thru
Try going 1 month without going to a drive-thru for any food or drink, and put all that money in a jar! It’s sadly
become the American way, and you might be shocked to discover how much you’re wasting! Is it really necessary
to drive-thru for breakfast???

Get Serious About Grocery Savings
You’ll easily cut your grocery bill by $50 a week if you start using The Grocery Game. The Grocery Game shows 
you what’s on sale, and tells you where to find the coupon to make it even cheaper or FREE! You’ll soon be a coupon queen!

Eat In, Not Out
Growing up, eating out was for special occasions. This year, bring back the home cooked meal! If your family
eliminates just 1 dinner out per week, you’ll save over $100 a month!

Buy 1 Gift Each Month
There are no rules that say you have to do all your Christmas shopping in November and December, so start 
trying to buy 1 gift each month! If you see a bargain, snatch it up, and don’t forget about it come December!

That’s it, just pick one and stick to it! If skipping Starbucks is not your idea of painless, then try the $5 jar. 
If you’re not sure what to pick, try something new each month! Why don’t you ditch the drive-thru this month 
and brown bag it next month!

How to Identify and Fix Budget Problems and Solutions to Stick to Your Budget
Finally ready to make your first time budget ever, or to create an actual working budget? Review these key points.
Just as there are many different types of secured and unsecured debt, there are almost as many debt relief options both free and paid, including filing bankruptcy, personal budget debt management, debt settlement negotiation and credit counseling.
Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software.
Should you; and instructions how, to close credit card accounts and the letter to send to the credit card company. High balance debt may drive you to terminate credit cards, but reducing credit limits could cause bad credit report scores. If you have problems with bills, develop a budget and a money management plan, seek counseling, consolidation or debt settlement.
The Economic Crisis Generates New Budget Skills. Download our free personal finance software to track expenses and manage income, bills and payments.
When your budget plan fails. Budgets are great but they can be just as difficult to follow as a diet plan.
Save money with budgets that work. Download our free personal budget software to track expenses, bill payments and other debts.
How to manage money with no software technology. Or download our free personal budget software to track expenses and bill payments.
Take control of your personal budget to cut expenses immediately. Download our free checkbook manager to track expenses.

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