- 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 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.
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 Credit Federal's 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.
If you've been a timely paying, long-time member of the card company you had a late payment with, it's possible to have the late payment fee removed. Simply call the card company via the 800 number listed on the back of your credit card, and remind the representative that you're a long time customer in good standing. Even if the representative is adamant that the fee cannot be waived, it's possibly to have the fee offset, such as by getting your interest rate lowered. In some cases your issuer may waive the late fee if you set up an auto pay with your bank to prevent future late pays. If your card company still won't waive the fee, ask to get it lowered. Good cardholders are difficult for issuers to latch onto, so a threat to transfer to a different card company may nudge the negotiations along. Long time steady paying cardholders have an advantage, as there are many other
competing card companies who love to have your valuable business.
Debt Settlement Lawyers - You don't need a debt settlement attorney to negotiate with creditors, unless you feel intimated by creditors and don't want to be hassled with the settlement agreement letter and process. Some people choose debt settlement lawyers for the wrong reasons. Here are some facts: * Lawyers are not able to stop you from being sued by a creditor. * Many debt negotiation attorneys cannot give legal advice. Most debt settlement lawyers serve clients nationally, so unless they are licensed in your state, you'll be paying extra fees for a law degree that can't be put to use. And, since they operate nationally, most debt settlement lawyers do not represent their clients if legal action is taken by the creditor. * Debt settlement lawyers tend to be much more expensive than other alternatives because many take a percentage of your settled savings. * Debt settlement attorneys typically charge higher fees than other debt settlement companies. Hence hiring a debt settlement lawyer only makes sense if the attorney only operates on a local level and will represent you in court in the event of a lawsuit, or they offer fees that are competitive with other companies in the industry.
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.
Credit Counseling - The following organization provides one on one credit counseling.
Consumer Credit Counseling Services (CCCS) - 866-515-2227 - moneymanagement.org
* One-on-one credit counseling in person, by telephone, or online
* Financial education and homebuyer seminars
* Debt Management Plan. (DMP)
* $13.50 for credit report
* Counseling services are free
* One-time enrollment fee and monthly maintenance fee for DMP
Individual Development Accounts - Individual Development Accounts are special matched savings accounts designed to help low-income individuals establish a pattern of regular saving and invest in high-value assets, including: post-secondary education or job training, a small business, or a first-time home purchase. Marriage Development Accounts are also available to couples who want to save together for their goals.
Free Credit Reports - The Fair Credit Reporting Act, or FACT ACT, requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. You can only access the free reports at http://www.annualcreditreport.com/, or by calling 1-877-322-8228.