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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?

One of the Nations Top Debt Help Companies in Client Satisfaction

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.



Having debt issues and discussing financial problems with a partner can be difficult. Many times there is one person who takes care of the family budget and takes responsibility for paying the bills. There can be conflicts when it comes to talking about how or where to spend the money. It can be frustrating when one person likes to spend money and the other wants to save more money. When debt problems arise there can be more stress that could cause bigger problems in a relationship.


Having a savings account to fall back on during a financial crisis has helped many people. Yet, a lot of people do not have a savings account, or they may not have much money saved if thousands of dollars may be needed during times of financial troubles. Things like unemployment or medical problems have caused many Americans debt problems that were not expected. Discussing money and finding options can sometimes lead to nowhere and may require an outside credit counselor who can give some choices for solving the problems.


Being honest might help, so a plan can be made as quickly as possible. As hard as it may be to discuss debts, they will not disappear when ignored. The first thing is to make a list of all the debts and exactly how much is owed on each one, and then get a total amount. This lets you know a figure that you must work with. If for example, there is $200,000 in debt, and it would be impossible to pay it off, an option may be to file bankruptcy or try debt settlement. However, if only $3,000 is owed on debts, devising a budget and working with creditors who will adjust the monthly payments for a while, may be a good choice instead of rushing into another debt relief option.


Financial mistakes happen every day and it is best to learn from them and go forward. Solving debt problems can take some time and requires work from all partners. It may require being very frugal and living on a tight budget so all bills get paid on time or paid off. Learn how to save money from each paycheck, even if it is only five dollars. Track spending habits and get on a budget, there is free personal finance software available to be able to click in some numbers and see some figures. Not knowing how much money is wasted from every paycheck will not help pay down debts. Use every penny wisely.

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

Debt Negotiation Services and Credit Card Debt Elimination Now. We help thousands get out of debt every day with our debt reduction, elimination and consolidation programs. We will help reduce your oustanding balances, judgements and unpaid bills. 

Find out how long it will take to become debt free with the best debt negotiation plans and strategies. If you are looking for help with your unpaid bills, you can end your search here! We help our clients by negotiating with the credit card companies to settle for a lower pay off amount. Consolidate your bills today with lower interest rates and one low monthly payment. It's not as long and painful as you think. Through our debt reduction program you will become free from large credit card bills and able to enjoy life again.

Our debt elimination strategies and plans will help you become free from the burden of outstanding bills and balances. Offering credit card debt negotiation and settlement services to thousands of consumers in need of financial help. Trying to improve your credit score? This is the place for you. Apply online now for a free debt negotiation quote and one of our customer service representatives will contact you!

In a debt settlement program, negotiators work on your behalf to settle your balances and unsecured debt for less than you owe. We will be negotiating with the credit card companies with the help of attorneys that stand behind you and fight to have your debts paid off in approximately three years.

Tax Refund Tips: Have your tax refund direct deposited into your bank account. The benefits include receiving your tax refund faster and knowing that your refund check will be safe and not lost or stolen. Direct deposit also provides an easy way to save part of your tax refund, because as they say, 'what you can't see you can't spend.' Taxpayers also have the flexibility to directly deposit their tax refund in up to three different accounts at three different U.S. financial institutions. If you need cash and you can't wait for your tax refund, carefully consider your options and costs. In particular, "refund anticipation loans" arranged by tax preparers for people who file their returns electronically, will get you cash in just a day or two, and the loan will be paid back with your tax refund, but the costs are comparable to very high interest rates. Also remember that people who file their returns electronically using the IRS "e-file" service can receive refunds in two weeks or less. Make good use of your refund. Consider paying down or paying off your loans and other bills, starting with the ones that charge the highest interest rates on unpaid balances. Start or add to an existing savings account. Or, fund a retirement account or college savings plan.

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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