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Need help repaying Christmas credit card charges or other debt? Consider and compare DIY free debt settlement, obtaining professional debt help, getting a consolidation loan or a long term personal loan to payoff bills.





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.


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Read our latest information about personal finance.

How long should you keep tax records? The Internal Revenue Service has 3 years in which to audit Federal income tax returns. However, this limit does not apply in unusual cases. If you failed to report more than 25 percent of your gross income, the Government has 6 years to collect the tax or to start legal proceedings. Also, there are no time limitations if you filed a fraudulent return or if you failed to file a return. But you don't have to keep everything for tax purposes. You can lighten your record load by discarding certain checks and bills once they have served their purpose. For example, you can throw away weekly or monthly salary statements---assuming you are paid in that way---after you check them against your annual W-2 Form. But save cancelled checks that relate directly to an entry on your tax return, and keep all medical bills for 3 years to back up your cancelled checks. The IRS generally keeps records for 6 years. You can obtain a copy of your tax return by writing to the IRS center to which your return was sent. Make sure you include your social security number and a notarized signature.

Problem with Your Bank Account? Don't be afraid to complain. Your bank's managers probably would prefer you bring a problem to their attention and be given the chance to fix it rather than see you take your business elsewhere or tell all your friends about your bad experience. If you don't get satisfaction from a customer service representative or another employee, consider talking to a supervisor. If you're still having problems, consider contacting the institution's federal regulator. The FDIC and other banking regulators cannot intervene in many disputes but can help you understand your consumer rights. The appropriate agency also can seek corrective action if the institution is in violation

National Poor Credit Lenders:

Getting bad credit loan approval is rarely easy. With a little research and using the right resources, it's possible to not have your application rejected. Some lenders and credit card issuers will offer secured credit if you have collateral such as a car or home that they can repossess if you fail to make your promised payments, or to approve you for a credit card limited to the amount of your deposit.

Credit Cards: With poor credit, many people can only receive credit cards that have exorbitant annual percentage rates. According to Bank Lady, Orchard Bank and First Premier are two choices that are best for those with bad credit. Both report to the three major credit report companies each month, which will help improve your credit score. Both companies will extend to those with poor credit, and may be able to offer reasonable rates. Orchard Bank also has monthly payment reminders to help you stay on schedule with payments. Credit Karma cites Orchard Bank as "an excellent card for help rebuilding credit scores".

Mortgages: If you want to buy a house but have poor credit, consider applying for a mortgage from Citigroup, Bank of America or Wells Fargo. According to the Forbes list, these three companies are among the top 10 best mortgage lenders to those who have had credit problems. When applying for a mortgage, be sure that you will be able to make the payments to avoid the risk of foreclosure, which will further damage your credit.

Auto Loans: There are many places that will extend a loan for a motor vehicle to those with poor credit. Expect to pay somewhere between 8 percent and 20 percent interest, and be wary of those who charge more. According to Cars Direct, someone with a credit score below 600 will probably get a rate between 15 percent and 20 percent. Shop around for auto loans. Sometimes a large dealer will offer you the best rate, as they work with many lenders. Other times, credit unions where you have a banking relationship may extend a loan with a good rate since it will be secured with the vehicle. Online sources such as Cars Direct may also be an option to consider.

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 - © 1999 - Present Wells Fargo. All rights reserved

Best Checking Account - Open an Interest Checking Account Online - Interest Checking Package with Relationship Rewards

Our top-of-the-line relationship package designed to help you simplify your finances and save. Enjoy a range of special benefits, including bonus rates, fee waivers and discounts.

Begin your PMA Package with an interest-earning checking account and expand it to link your other Wells Fargo accounts. Enjoy the simplicity of seeing your financial picture on a single monthly statement which consolidates your account information in one place.

This package is best for you if want to:

* Earn interest on your checking account balance
* Enjoy bonus interest rates, plus a range of free and discounted services/benefits
* Simplify your finances by managing all your accounts in one place

Your PMA package comes with:

* PMA Prime Checking account with competitive rates
* Free checks (any style except Home Desk)
* No Wells Fargo access fees for up to two non-Wells Fargo ATM withdrawals (U.S. and international) from your Prime Checking account per statement cycle; waived if PMA qualification balance is $100,000 or more.
* No-fee cashier's checks, travelers cheques (where available), and money orders
* Discount on Safe Deposit Boxes (where available)
* No transaction fees on Wells Fargo ExpressSend® service
* Combined monthly statement includes eligible Wells Fargo PMA linked accounts
* Platinum Debit Card
* Free access to Online® Banking
* Free Online Bill Pay
* Free Account alerts to your mobile phone or email
* Free Wells Fargo MobileSM Banking
* Optional Overdraft Protection
* Free automated and Phone Banker-assisted calls with the Wells Fargo Premier Banking TeamSM 

Competitive interest rates on the primary checking account within the PMA Package Balance

Bank anywhere, anytime - Enjoy convenient access almost anywhere you go. With Wells Fargo you get free access to over 12,000 Wells Fargo and Wachovia ATMs, and more than 3,300 branches. For even more freedom, you can access your accounts online or by mobile phone, all for free!

Monthly service fee: - No monthly service fee for each month the statement-ending balances in qualifying accounts total $25,000 or more. Otherwise, $30

Getting Extra Money for Vacations, Christmas or other Events

Set up a separate savings account for the money you set aside. If you are saving for different purposes and are having difficulty keeping it all straight, consider setting up separate savings accounts for each purpose.

Write a household budget that lists all of your expenses and shows how much money is left after everything is paid. Figure in the amount you want to go into savings based on the available money. If money allocated to other expenses goes unused during the month, deposit it into your savings account to build it up even faster.

Cut back in areas of the budget when possible without completely cutting out things you enjoy. Apply the difference to your savings account. For example, if you cut out $50 by getting rid of your land line phone in favor of your cell phones, deposit an extra $50 to your savings account each month.

Set up a weekly automatic deposit into the savings account that coincides with your paycheck deposit. Automatic transfers mean the money won't hang out in your checking account, tempting you to use it for that cute pair of heels or a new video game.

Sign up for a debit card that rounds up your purchases to the next dollar amount and deposits the difference in your savings account. Since it's a small amount each time, you won't probably notice it, but the change builds up over time. Not all bank cards have this feature, but it's worth asking if your bank offers it.

Save your loose change in a jar or piggy bank, just like you did as a kid. When the jar is filled to the brim with shiny coins, haul it to the bank for deposit. The change-counting machine at the bank takes care of all the work and you get a boost to your savings account.

Sell those old CDs that are collecting dust in the corner. Schedule a garage sale or sell off bits and pieces of your clutter collection on online sales sites. You clear out the clutter, reclaim space in your nest, and get a wad of cash to take to the bank.

Cut back on indulgences and habits that cost money. Sure your daily gourmet latte jolts you awake each morning, but that money could help you build your savings. Quit or cut back on expensive coffee, cigarettes, alcohol or indulging your shoe obsession and put that money in your savings account instead.

Work an extra job temporarily to increase your savings. Make sure you leave openings in your schedule to spend quality time together as a couple.

Property Assets and Divorce: Although scholars have known for decades that financial assets relate to a lower likelihood of divorce, no one has explained why. This study finds that wives’ characteristics completely drove the relationship between assets and divorce. Assets helped wives be more satisfied with their marriage and, thus, less likely to divorce. Assets also decreased the attractiveness of divorce, because wives realized that divorce would force them to give up some of their assets and their current standard of living. Assets are related to a lower likelihood of divorce; even low levels of assets are better than none. Practitioners working to strengthen marriages might find ways to help couples build financial management skills, in addition to helping them with relationship issues such as trust and communication.

Why were the rules for bankruptcy filing changed? The Bankruptcy Code was revised and became known as the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Proponents for the revision argued that filing for bankruptcy had become too easy and that consumers were abusing the right to do so. The findings from this study provide evidence that significant numbers of consumers are not abusing the system, but instead are seriously struggling with overwhelming financial burdens. Results of this study suggest that interventions mandated by BAPCPA, such as financial counseling, arrive too late to prevent most consumers from filing for bankruptcy.

Why do creditor interest rates change? In a healthy economic environment, personal loan rates and terms improve as lenders can enjoy lower risks of approving applicants as they are in a much better position to repay. But when economic situations interfere with repayment reliability, lenders charge higher rates to offset potential high risk losses. As lender losses escalate, so do credit card and loan rates and fees they charge. Not only does consumer behavior and the economy affect interest rates, but so does government regulations. For example, when the new credit card regulations were launched, credit card companies were restricted on how; and when, they could increase rates on late payers. Hence, that led to higher rates for everyone; not merely the late payers, to offset eventual default losses. Whenever regulatory restrictions ease, lenders and credit card issuers are allowed to be more competitive which encourages lower rates and fees.

Preparing A Net Worth Statement - Have you tried filling out a net worth statement as a means of keeping tabs on yourself and your family possessions? Such a record provides a good overall picture and can be prepared in an hour or less. If you do it annually, you can see quickly whether you are getting ahead financially or falling behind and, in either case, how fast. An accurate net worth statement can serve as a point of departure for the year ahead. If you're not making as much progress financially as you had expected to, you can decide whether to stay on course or to change directions for the coming year. Where are you going to find a net worth form that will meet your needs? Try your county Cooperative Extension Service office. Or ask at your bank. Better yet, perhaps you can make one to fit your family. All you do is list your assets, list your obligations, and subtract the debts from the assets. Hopefully the plus side of the ledger will get larger each year and the minus side smaller. But there may be good reasons why you'll fall behind sometimes, such as when you buy a new home or when other expenses are heavier than usual.

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