Personal finance help - free financial service and assistance.

Free personal financial assistance to manage money and improve credit score ratings to qualify for loans and credit cards.

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Credit Card: Need a low interest, no deposit credit card? Get a guaranteed credit card or apply for a platinum rewards card.
Auto loan: Apply online for New auto loan, Used auto loan or for a Refinance auto loan, regardless of bad credit.
Home Loans: Apply through our lender network for a new home loan or for mortgage refinancing. All credit types welcome.
Personal Loan: Get a long term personal loan, or if you have bad credit get a payday loan with no credit checks and no turndowns.
Debt Counseling or Settlement: Get out of debt with Credit Federal's preferred credit counselors and debt negotiators.
Government Grants: As a public service, Credit Federal provides free government grant access via our compilation of links.
Credit Report: Need to fix credit report errors? Need a free credit report? Visit Credit Federal's no-obligation credit report resources.
Credit Federal's free consumers services: Easily track expenses and get free bill reminders, and read or submit credit articles.
Calculate interest. Credit Federal provides a range of free interest and loan calculators. Use our Auto Loan Calculator, Home Loan Calculator, Mortgage Refinance Calculator, Credit Card Interest Calculator, and our Savings Calculator.

Personal finance, financial advice and free credit tips:

Although consumers are wise and well-educated, many lack the necessary information to help them effectively manage their personal finances. As more and more young people embark into credit matters, perhaps financial education should be part of high school curriculum.

Credit offers are bountiful, both online and in the offline world. Although many of these financial services are beneficial, they are not necessarily beneficial to all people, all the time. Some are only beneficial to select groups (businesses, credit beginners, etc), whereas others should only be used during certain periods (near bankruptcy, credit improvement, etc.).

For example: people who are facing bankruptcy or foreclosure may benefit most from debt settlement, whereas people who had worked hard to obtain a great credit score would be able to get approved for a high credit limit credit card. Certainly someone just beginning to establish credit; or recovering from bad credit, would get rejected for a high dollar amount unsecured loan. But many consumers are not aware of qualifications, nor the full extent of how quickly the wrong decisions can place their credit future into jeopardy. Not only is education a problem, but many consumers fail; for whatever reason, to read the full Terms and Disclosures before applying for credit, or perhaps they simply do not understand the industry jargon.

On our site we offer a broad range of credit information and financial advice to help consumers make sound decisions regarding their personal finances. In every possible way we try to avoid industry jargon to make the material more understandable, particularly for our younger visitors just beginning to learn about credit.

Some of the more common credit mistakes we've seen are:

*Bad credit consumers applying for credit which requires high credit scores

*Applying for the wrong service at the wrong time, such as applying for debt settlement before trying to resolve the problem by budgeting.

*Not reading or understanding the full terms and conditions before applying.

*Not focusing on current credit to ensure timely repayment and subsequently damaging credit scores.

*Too many open, but inactive credit accounts which can lead to potential debt problems down the road, or possible fraudulent activity, including identity theft.

*Balance transferring debt for the wrong reason. You should only balance transfer debt for the purpose of getting a lower interest rate, not to attempt delaying payment default.

Read our free financial tips on ways to save money.

Credit Federal was established in 2000, and has served millions of consumers. Regardless of bad credit or no credit, give our consumer credit network a chance to serve you. Apply for a guaranteed card, short term unsecured loan, debt loan, a new auto loan or home loan, or for refinancing.

Can't find the personal financial resource you're looking for? Credit Federal has hundreds of pages of resources. Use our Site Map or our site search engine to locate specific credit services or information.

Read our latest information about personal finance. Use our free credit check so you can personally rate your own credit. View national average interest rates.

Personal Credit

Personal credit scores are based on standards of the major credit rating bureaus: Experian, Equifax, and TransUnion. Lenders average the fixed score from each of these to determine a borrower’s eligibility and terms of financing. The rating system looks at several factors and gives a points rating to each one. Positive and negative factors can affect the score.

Factors that can affect credit scores:

* Payment history accounts for about 35% and the way debts are paid, for example if they are paid in a timely manner or paid late. It reflects the number of past due items and how long they were

delinquent, or if there was any collection activity. Another factor is any public records like bankruptcies, liens, and wage garnishments.

* Current total debts accounts for around 30% and considers the total amount of debts owed. This is the number of accounts and each balance owed and it influences FICO scores. Credit bureaus will

look at outstanding debts in relation to the available credit. Getting out of debt by paying down debts can help raise scores over time.

* The length of credit history is a factor concerning the amount of time accounts have been open and the account activity.

* New credit is any recent accounts established. This also includes any credit inquiries indicating attempts to get new lines of credit.

* Types of credit considered is the total number of the types of credit that has been secured. This includes revolving debt on credit cards and retail accounts.

Some lenders may not view past performance as a guarantee of future performance. This is not always true as a credit rating is an indicator of past borrowing and repayment performance.

This can give lenders an idea of how likely it will be for a borrower to repay a new loan in full, on time. They use a consumer's credit rating to determine their risk in loaning money.

A person who has a good credit rating may not have to pay high interest fees or may not have to give a large down payment. Personal credit scores are used to determine whether to loan money to small businesses and corporations. Factors like age, race, ethnic background, religion, sex, and marital status, do not influence scores. Employment history, current employment, wages, and assets are not taken into consideration as part of FICO scores, yet some lenders may look at these areas when evaluating a person's credit worthiness.

Qualified borrowers have a FICO rating of 750 or better, yet people with a score of 650 may be able to get a loan that has higher interest rates. These scores can change monthly to reflect any changes to the criteria used to determine the score. If a loan is paid off it could improve scores. If a bill is not paid or bankruptcy is filed, it could lower scores. Monitoring scores can help identify any problems that may need correcting. AnnualCreditReport.com is the site to visit to request a free credit report, and get credit information almost immediately, but it can take longer when not using the Internet. Credit services can help monitor FICO scores but it usually requires a monthly fee.

Do Everything To Protect Your Personal Information

You should be very concerned about protecting your personal information to prevent being a victim of identity theft or other financial fraud.

Government Cash and Benefit Programs

Occassionally there are free government money giveaways, but most financial aid comes in the form of benefit programs.

New Home Loan Downpayment and Mortgage Refinancing

Advice about home loan downpayments and mortgage refinancing tips.

Retirement Saving and Annuity Investment

Advice on retirement saving and annuity investment to secure your future personal finances.

Advice Why Credit Is Important

Advice on why credit is important and a vital part in securing your long term financial stability.

Credit Card Debt Relief Options

Learn the processes for credit card debt consolidation and credit card debt settlement and choose the debt relief option that is best for your financial situation.

Who Pays Joint Spouse Debt

Who pays joint spouse debt after divorce or during marriage separation? What are creditor and law rules? Before divorcing, settle debts either with a payoff loan, debt settlement chargeoff, or refinance debt in one spouse's name.

Cash for Clunker Cars Cons

Cons why you may not want to participate in the cash for clunker cars program. Whatever you decide, apply online for free auto loan quotes to get the best financing deal.

Government Loan Modification SNAFU

It appears that the government loan modification program is following typical democrat trends - Situation Normal All Fouled Up (SNAFU). Democrats are proving republicans correct that the credit industry should be deregulated. If you are facing mortgage foreclosure, good luck with your refinancing.

Financial Education for Kids

Financial education should begin early to avoid bad credit habits. Free tips and advice to teach kids about credit, plus our free electronic checkbook register software.

Free Mortgage Loan Tips

Free mortgage loan tips. Review our mortgage loan cheat sheet, and apply for a new home loan or for 2nd mortgage refinancing like an equity cashout.

Federal Credit Card Survey Ratings

Bi-annual Federal Reserve System ratings survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.

Bad Credit Payday Loans Offer Unsecured Cash for Poor People

The federal government proposes changes that could completely terminate bad credit payday loans, though this financial option offers unsecured cash for poor people.

Bad Credit OK Loans

Though the credit crisis has reduced financial options for subprime people, some lenders do still offer 'Bad Credit OK Loans' and you can apply quickly and easily online.

Why Rebuild Bad Credit

Some consumers don't care about their credit scores, perhaps because they are not aware of the financial problems low scores can cause. Learn why it is important to rebuild bad credit, and get help to improve credit scores.

High Rate Credit Card Debt

High interest rate credit card debt could result in bank credit limit decreases, even higher rates, and subsequently maxing-out and getting hit with over limit fees. If your credit card debt is a financial burden leading you to bankrtupcy, take action now with credit counseling, debt consolidation or perhaps negotiate a debt settlement type of chargeoff.

Offline or Online Financial Aid

Choosing Offline or Online Financial Aid. Browse our library of free information and personal finance tips.

Car Loan Financing as Low as 0%

GMAC will use federal aid to offer easier car loan financing to more people, as low as 0%. Apply online for an auto loan and get a check in hand before you visit a car dealership.

Federal Credit Card Survey Ratings

Bi-annual Federal Reserve System survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.

Payoff Credit Card Debt

Free financial tips on how to payoff credit card debt. Use our online calculators or download our free software to your desktop to help you manage personal finances and track expenses, or get assistance like credit counseling, debt management or to negotiate settlement.

Best Auto Loan Rate

Free tips on how to get the best auto loan rate and car dealership offer. Apply online for free, good or bad credit auto loan financing quotes today.

Mortgage Refinancing Advice

Even if you're happy with your current loan, there are times when you may want to consider mortgage refinancing, such as when interest rates fall or when your credit score improves entitling you to a lower interest rate that you're currently paying.

Mortgage Foreclosure Assistance

Assistance for homeowners facing mortgage foreclosure due to difficulty making monthly payments. Apply for a free mortgage refinancing loan quote.

Million Bankruptcy Filings

Bankruptcy filings have rose nearly 30% for close to one million filings. Improve personal finances with our free budget calcualtor download.

College Student Credit Card Debt

According to a survey, 1 in 4 college students incur $5,000 in credit card debt. Use our free financial calculators to create a budget and track expenses, and get a free credit counseling quote.

Credit Definitions

Common credit definitions. Offers other than our credit terms dictionary include free credit advice articles and calculator software to assist with personal finances and budgeting. We define jargon from A to Z.

Credit Card Scam Tips

Free financial security tips to prevent being a victim of credit card identity theft, scams and fraud.

Stop Debt Save Money

Tips on how to stop debt and save money. Plus free personal finance calculator downloads to create budgets, assist with bill payments and free checkbook register software.

Mortgage Loan Bill

Mortgage bill aims to safeguard the nation's two largest mortgage finance companies; Fannie Mae and Freddie Mac, and to help troubled borrowers avoid foreclosure. Get free lender quotes for a 2nd mortgage refinance loan or an equity loan to pay bills, to remodel or any reason, or apply for a new home loan.

Debts And Bills

Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses.

No Credit to Bad Credit

Today even bad credit people can get approved for most personal finance products, but government legislatures think poor people cannot use credit wisely and may pass laws that result in no credit except for the wealthy and influential. Bad credit cards and high risk loans serve needs.

Right Time To Buy Cars

Although; and because, the economy is troubled, it is the right time to buy cars online or from a car dealership lot. Get an online auto loan quote for a new or used car or for an auto refinance loan quote.

Low Car Insurance Rates

With gas prices already costly, consumers don't also need to overspend on auto insurance. Here are tips on how to enjoy low car insurance rates. Maybe you also need a new, cheaper car with better gas mileage? Get new and used auto loan quotes, or an auto refinancing quote. Apply for a good or bad credit auto loan and review down payment options.

TransUnion Bankruptcy Risk Management

TransUnion offers financial institutions the ability to identify possible bankruptcy of accounts. Order your annual free credit report to check for identity theft and to fix credit errors.

Equifax APPRO Account System

The APPRO Account System by the Equifax credit report bureau helps financial institutions with new account approval decisions. Order your credit report or use CreditFederal's free credit check to estimate your score.

Retirement Planning Pitfalls

IRS Tax Talk to be about retirement plan pitfalls. CreditFederal also assists consumers with personal financial planning by providing free desktop software downloads.

Retirement Planning Saving

Debt is high and so are prices, and fewer people are saving and planning retirement. Personal finances are in danger of collapse.

Statute of Limitations Debt Collection Act

Rules and statue of limitations for debt collection. Learn how to deal with debt collection agency harassment and how to negotiate debt settlement. Download our free personal finance calculators so you can track expenses and manage checkbook register entries.

Mortgage High Risk Loans

Troubles and worries with mortgage high risk loans continue. Wachovia will stop offering a mortgage repayment option that allows borrowers to pay less each month than the bank charges in interest. Meanwhile, CountryWide faces a lawsuit in Florida for predatory bad credit lending. There are still good home loans and mortgage refinance options.

Personal Finance Advice for Women

Chase and the O (Oprah Magazine) help women with free financial advice from Chase. CreditFederal also offers free credit advice plus personal finance calculators to track expenses, create a budget, manage a checkbook and to start a savings plan.

Personal Financial Protection Guide

Read and print and Consumer Financial Protection Guide to help protect your privacy, avoid scams, phishing, identity theft and fraud. Also use our free calculator downloads to further protect your personal finances.

Personal Finance Newsletter

Join CreditFederal's Personal Finance Newsletter and receive free credit offers; including credit cards, auto loans, mortgages, payday personal loans, credit reports and more, plus important consumer credit information.

Mortgage Loan Woes

Credit woes continue for borrowers as well as lenders for new home loans and 2nd mortgage refinancing. Although falling home values make purchase prices and deposits lower, it's also harder to get loan approval. Meanwhile, homeowners are quickly losing equity.

Create A Budget And Save Money

Free tips on how to create a budget for your personal finances, and ideas to help you save money before you retire.

Stop Credit Card Debt Abuse

Can't payoff credit card debt because you keep charging and adding to the balance? Stop credit card abuse for greater financial security. Free tips for credit card debt reduction.

Visa Risk Manager Helps Reduce Credit Card Fraud

Visa credit card fraud reduction service is designed to enable financial institutions to easily create, test and execute credit card authorizations. Browse for Visa secured and unsecured credit card offers.

Target Chase Credit Card

Chase and Target credit card financing agreement. Browse and apply for a discount card, pre-paid debit card or a retail store charge card.

Free Money Gov Tax Rebate Check

All tax filing Americans to receive a free money check. Should you payoff credit card debt? Start a savings account? Personal finance tips and advice on how to get the most benefit from your government IRS tax rebate.

Debt Solutions

There are many debt solutions. Which one is right for you; and best, whether a debt consolidation loan, complete chargeoff, credit counseling or to negotiate settlement, depends upon your financial situation, goals, and personality.

Manage Debt Yourself

Do-It-Yourself tips on how to manage debt to get finances under control. Should you chargeoff or payoff bills, consolidate or negotiate settlement?

Secured Unsecured Low Interest Loans

Low interest rates abound, for both secured loans and unsecured loans. Get a loan to payoff bills at higher rates and improve personal finances, or to take that well-deserved vacation.

Unsecured Loans Making Bad Worse

High risk unsecured loans offer easy cash even to bad credit people. But if not paid off timely, the short term payday loans threaten long term debt. Desperation to pay off monthly bills can put personal finances at risk. Payoff higher priority debts and charge off lower priority.

Long Term Plan to Pay Off Bills

Long term finance plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan.

Free Saving Tips to Reduce Spending

Reduce spending with our free saving tips; one affects the other. Use our financial software to track expenses and to create a budget.

Improve Credit and Reduce Personal Finance Risk

Easy, often overlooked tips to help you improve credit while also helping you reduce your personal finance risk.

Top Personal Finance Tips

Attitude and behavior are among the top personal finance tips.

Financial Calculator Downloads

Personal Finance Software: Credit Federal announces multiple, free financial calculator downloads are now available.

Home Mortgage Application

As long term mortgage rates fall, submit an online application for a home loan or for mortgage refinancing.

Auto Loan Refinancing

Auto loan refinancing can be used as a cash loan, or to get a lower interest rate and lower monthly payments.

Lower 30 Year Mortgage Rates

30 year mortgage rates are at their lowest since March. Apply for a new home loan or for equity refinancing.

Finance and Women

American women are becoming better educated and career oriented, and worry more about investing in their financial future.

Refinancing During High Interest Rates

Even when mortgage interest rates are high, you may still benefit by refinancing such as by raising your home's value through remodeling loan improvements.

Household Expenses Personal Budget Software

With our free financial software to identify household expenses, you can create an accurate personal budget. Download online to your computer.

Your Finances and How to Save

How to Save Money by getting Control of Personal Finances. Download our checkbook register software to itemize and track expenses.

Unsecured Bank Loan

Community Financial Services Association of America, represenging the payday loan industry, sets guidelines for agent-assisted bank loan programs.

Free Personal Finance Software

CreditFederal.com offers free personal financial software with a balance calculator, bank checking account statement manager, bill payment reminder, plus a credit score.

Gas Prices VS Auto Loan Incentives

Consumers not only consider auto loan interest rates and special financing incentives, but also fuel costs when shopping for a new car.

Ending the Debt Cycle

To end the debt cycle, parents and teachers must educate children on sound financial management and long term planning.

Financial Tips and Education

Credit Federal agrees that U.S. consumers should be offered complete and easily understandable credit offers, financial education and free tips.

Auto Refinancing

An auto refinancing loan can save you money by lowering your interest and monthly payments.

Pensions

Business is booming for financial planners big and small tapping the growing market of workers who no longer trust retirement planning and pensions to employers.

Equity for Retirement

A new survey released by the Federal Reserve indicates that home equity is a major financial retirement vehicle.

Financial Management Quiz

How much do you know about credit cards and managing your personal finances? Take this financial quiz.

Marriage and Divorce

Getting married or divorced? Changing your name? How these situations and a spouse may affect you financially.

Mortgage Fraud

MORTGAGE FRAUD - The increased reliance by financial and non-financial institution lenders on third-party brokers has created opportunities for organized fraud groups, particularly mortgage.

Identity Theft

Treasury Secretary Snow to Release DVD on Identity Theft to Help Better Protect Consumers from Financial Fraud.

Retirement Pensions

Article - Public employee pensions have become increasingly generous since 2000, promising a more comfortable retirement for civil servants but a serious financial challenge for future taxpayers.

Financial Resolutions

Financial tips to fix credit report errors, improve credit score, and start a rainy day fund to save money.

2nd Mortgage Loan

Apply online for a good or bad credit 2nd mortgage loan and learn the benefits of equity refinancing.

Plan Retirement

Free financial tips on how to plan retirement with investments like an annuity.

Reduce Bills

You can reduce bills free on your own or you can get professional debt reduction assistance online. Create a budget with our free financial software.

Auto Financing Loan Terms

Learn auto financing jargon and terms used by auto loan lenders and car dealerships.

Online Auto Loan Benefits

Top reasons and benefits of getting an online auto loan versus financing through a car dealership loan. Apply for a low interest, good credit, or a high risk bad credit auto loan.

Used Auto Buying Tips

Used auto loan buying tips. Apply online and get financed today for a used car loan.

Auto Refinancing Lower Payments

An auto refinancing loan not only offers an easy secured cash loan, it can also save money if you lower payments by reducing interest rates.

Online auto loans better than car dealerships

Online auto loan is better than a car dealership loan, and can help you avoid financing scams.

Financial Calculators

Free financial calculators to help you balance and create a budget, estimate loan interest, track expenses, manage checkbook entries, calculate credit card payments and payoff.

Financial Forecast - Floods, Forests and Fuel

2005 had major impacts on the U.S. economy. Credit Federal's financial forecast remains hopeful. Read our financial news article.

Experian Collection TriggersSM and Credit Default Indices

Experian's Collection TriggersSM enables First Financial Asset Management, Inc. to increase collections by $3.5 million, and S&P and Experian Team Up to Launch Consumer Credit Default Indices.

Credit Jargon and Financial Terminology

Credit jargon and financial terminology defined.

Joint Spouse Credit Tips

Free spouse credit tips for a financially stronger marriage. What married couples should and shouldn't do.

Late Auto Loan Payments

Do you have late auto loan payments? Take action before your car payments fall too far behind. Get your household budget under control or perhaps get an auto refinancing loan for lower monthly payments.

Cash in Clunkers to Save Gas Money

Cash in Clunkers to Save Gas Money. Dealerships who are promoting the Cash for Clunkers program are selling autos that get about 27 to 33 mpg. Auto dealerships were busy during the kick off week and the program generated more auto sales, but how will it affect the country's financial state. It did help the Ford dealership as they had more sales in one week than in months.

Consumers Love Cash for Clunker Cars

Consumers love the cash for clunker cars government program. Get an even better deal... Avoid dealership financing tricks by getting an online, preapproved auto loan.

Refinance Mortgage 125%

Need to Refinance but the Mortgage is 125% of Your Home's Value?

Short Sale Deal

If you are wanting a good deal on a home, consider doing a Short Sale. This means you could offer a lender or a bank an offer on a home that is in the last stages of foreclosure. Apply for a new home loan (purchase). Apply for mortgage refinancing (2nd mortgage, equity cashout, remodeling).

New Budget Skills

The Economic Crisis Generates New Budget Skills. Download our free personal finance software to track expenses and manage income, bills and payments.

Home Selling and Buying

Some consumers who are trying to sell their homes are having a tough time and consumers wanting to purchase a home are not getting the financing they need. Renting to own or leasing may be a solution for both parties.

Points and 30 Year Mortgage Rates

Points and 30 Year Mortgage Rates. This week loan rates rose to around 6%. This rise could stall home refinancing, as consumers may decide to wait till rates are lower.

The Economy and Mortgage Loan Refinancing

The economy and mortgage loan refinancing. The good news is that this can be a good time to refinance your home loan, depending on several different situations.

Financial Loan Fraud

Corporate fraud contributed to some of the financial woes through the manipulation of financial statements, accounting and loan fraud.

Bank Bailout Boomerang

Bailed out banks are now wanting to return funds from the TARP (Troubled Asset Relief Program). Recently three banks (IberiaBank Corp., TCF Financial and Signature Bank) have declared they will be paying back the government.

Government Bad Bank?

To help banks regain strength, the Federal Deposit Insurance Company (FDIC) proposes using a 'bad bank' plan. Bad banks are used to accept risky assets from otherwise good banks. By diverting risky assets to bad banks, banks can improve their financial strength and stay in business.

Define TARP

Definition of TARP. TARP stands for Troubled Asset Relief Program, and it was created by the U.S. Treasury to help stable and strengthen the U.S. financial system by investing in U.S. financial institutions (banks) through its Capital Purchase Program.

Long Term Personal Finance Planning

Get family involved for secure, long term personal finance planning. Use our financial software, tips and credit advice.

Electronic Checkbook Register

Our proprietary Personal Finance Center software has received multiple awards, and yet we still give it away 100% free. Download your electronic checkbook register copy.

Credit Card Company Lawsuits

$2.75 billion credit card company lawsuit. Discover Financial Services' antitrust suit against Visa and MasterCard.

Sell Ad Space

Sell ad space on your site. We buy ad space from sites with financial and credit content and we pay a daily rate even with no clicks, no leads or sales!

Will Credit Crisis Affect Me

Credit question: Will the credit crisis affect me, my personal finances and security? Advice: Order a free credit report copy to improve credit scores.

TransUnion Reports Late Payments and Debt

According to TransUnion, the bad credit crisis continues as auto loan late payments increase and credit card debt grows. Order your annual free credit report and use our free bill reminder and personal budget software to help you manage finances.

Discover IT Innovation

Discover Financial Services receives recognition for an information technology innovation regarding the Discover(R) MotivaSM Card and mobile banking. Apply for a Discover Credit Card, an ATM debit card, or other types of credit cards.

Bank to Bank Loan Interest Rates

What the credit crises is doing to bank lending practices. Use our free personal finance software to help protect your money.

Save Money Personal Finances

Free software to save money and to protect personal finances from credit card debt, high interest charges and late payment fees.

Government Fannie Freddie Mortgages

Federal government takeover of Fannie Mae and Freddie Mac. Get the latest home loan and mortgage refinancing news and submit your online application.

Store Charge Card Theft

Recent store charge card number thefts and financial security tips to protect against identity theft and credit fraud.

$1 Dollar Law Suit Prevention

Does a $1 dollar payment; instead of payoff, ensure law suit prevention from your credit card company? Learn the legal truth, plus other tips and advice to protect your personal finance from mistakes and fraud.

Which Bill To Pay

As Americans struggle to stay financially sound and to pay bills, many wonder which bill to pay first. Get debt relief help today.

Best Car Deal

Get the car, SUV or truck and an auto loan that's right for you. Read these tips before you visit a car dealership or apply for auto financing.

Gas Credit Card Rewards

With fuel prices high, everyone can use some financial assistance. Gas credit card rewards can offer some relief via cash back.

Tips to Save Gas Money

Free tips to save gas money. Easily lower fuel costs, reduce fillups and improve your personal finance security by increasing savings.

Need Loan to Pay Bills

A visitor needs a loan to pay bills, and has options including a person-to-person personal loan and an auto refinance loan.

2 Mortgages Comparison

Comparison of 2 mortgages from people with identical bad credit histories; one an ARM and one a 30 year fixed rate home loan. Should there be a government grant or mortgage refinancing to solve late payments and defaults?

Bad Credit Loan Bank Rates

The Federal Reserve reduced bad credit loan bank rates. Lower interest can improve finances.

Financial Marketing Advisor

Effortless Financial Marketing Advisor suggests the best CPA rate and advertising strategy for credit card and loan managers.

Financial Marketing Services

For targeted financial marketing services, consider placing your credit card or loan advertisement on CreditFederal.com.

Free IRS Tax Calculator

Online, free IRS tax calculator to estimate taxes based upon taxable income after deductions. Download our free financial software.

Auto Refinance Question

Bad credit auto refinance loan question and advice.

Enhanced Credit Card Affiliate Program

Credit Federal launches an enhanced per lead credit card affiliate program for financial webmasters.

Payday Cash Loans

Payday Cash Advances are a popular and thriving financial option as a high risk, bad credit personal loan.

Citigroup Financial Education and Revitalization

Citigroup Neighborhood Revitalization and Preservation through Financial Education project, to promote wealth and stable homeownership in communities across the country.

Business Financial Advice

Business financial advice - Which is best, to buy or lease equipment? Apply for a large or small business credit card.

Mortgage Interest Rates

Borrowers with adjustable mortgage loans may pay higher interest rates without mortgage refinancing. Are mortgage foreclosures looming?

Chase and Fannie Mae Charity

Chase charity helps Fannie Mae finance Katrina rebuilding.

Financial Industry Promotes Child Protection

Financial coalition to protect children by stopping funds to promoters. Review our teen credit articles.

Less Auto Incentives

U.S. automakers will continue to offer auto incentives such as no down payment and special car dealership programs. Apply for multiple new car financing quotes.

JPMorgan Chase and Fidelity Brokerage

Financial News: JPMorgan Chase and Fidelity Brokerage Company Form Strategic Alliance.

New Home Loan and Mortgage Refinancing Stats

Mortgage Purchase Applications Up While Refinances Down In Latest Survey.

Mortgage Applications

New home loan purchase applications are up while 2nd mortgage loan and equity refinance requests are down in latest survey.

Auto Financing Brochure

Free auto financing brochure for help with purchasing through a lender or a car dealership. Calculate monthly auto loan payments. Download our software or use our online auto loan calculator.

Wage Garnishment

Know when and how much your wages may be garnished. Free personal finance advice and tips. Use our free financial software.

Financial Warnings

Here is a list of Credit Federal's Top Ten Financial Warning Signs. Download our free personal finance software to create a household budget and to track expenses.

Discover Debit

Discover Financial Services Breaks into Signature Debit Market with Introduction of Discover Debit. Apply for a Discover card online, whether a prepay card or an unsecured platinum credit card.

U.S. Economy Slowed Sharply at End of 2005

U.S. Financial News: U.S. Economy Slowed Sharply.

Chase BP Credit Card

Financial Advertising News: Credit card marketing agreement.

American Express GE Consumer Finance

American Express and GE Consumer Finance account card issuing alliance. Apply for an American Express credit card.

Financial Options

Article - Financial options. In addition to our free tips, also enjoy our desktop financial software downloads and our free credit offers.

Mortgage rates down

Average mortgage loan interest rates on 30 year fixed rate loans drop. Now may be the time to buy or to remodel. Calculate new home loan purchase and 2nd mortgage refinance payments.

Discover Partners with Exante Financial Services

Discover Financial Services Partners With Exante Financial Services.

News: Emerging Markets

Financial News: Forbes emerging markets

Submit Financial Blog

Free financial web blog at Credit Federal. Submit a credit card blog, financial news blog, or other related content.

Personal Finance Help: Free, short term immediate help and long term planning tips to improve personal finances. Learn how an annuity and insurance can help.

Not sure of credit score qualifications? Use our credit card and loan prequalification tool or request free advice to your credit questions.

Enjoy an online free bank checking account. Learn how to balance checkbook entries so you can better manage your bank checking account. Some free checking accounts also offer interest savings.

Free financial calculators you can use online or you can install our free calculator downloads to your Windows computer. We giveaway valuable free personal budget software. With our credit card and loan calculator downloads, you can calculate loan interest and use our credit card payment calculator to find out how long it will take to payoff a credit card balance.

Use our personal budget software to manage checkbook register entries and to calculate savings.

Search for free government money and grants. Browse and apply online for a government grant. See if you qualify for government assistance or a grant for disabled people whether from a grant foundation or a non traditional grant.

Unclaimed money: Browse government unclaimed money and unclaimed funds. Check for an inherited pension, plan retirement and learn how to create a will.

See if you qualify for special grant programs like veteran grants or education grants. Easy free IRS tax calculator and free online tax return filing.

How to spot counterfeit money and report credit fraud.

How to file bankruptcy and get free online free bankruptcy forms.

Tired of searching and applying blindly for credit? Let free credit offers come to you by joining our newsletter. There's no obligation to accept any offer. Browse for more personal finance resources.

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Tip of the Day: To curb credit card charges, wrap your credit card in a sheet of paper and keep a log of purchases written on the paper, with a grand total of charges in view each time you reach for your card. Before swiping your card, figure out how many hours you'll have to work in order to payoff the charge and jot on the paper: "IOU #Hours of Work". Perhaps seeing how long you'll need to work to payoff the charge will help curb spending.

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

2nd mortgage refinancing - Apply for a lower interest rate and/or lower payments.

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

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

Airline miles credit card - Get free sky miles and other travel rewards.

American Express(R) - Online applications for an American Express(R) card.

Annuity - Learn about annuity investments.

ATM card - Apply online for an ATM card.

Auto financing - Benefits of an online auto loan and general loan terms.

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.

Business credit card - Finance your large or small business with a credit card.

Business loan - Get funding to start a small business or to finance a corporation.

Calculate loan interest - Quickly calculate loan interest, monthly payments and total interest paid upon balance payoff.

Car dealership loan - Curb car dealer scams and dealership financing tricks with an online auto loan.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

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.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card benefits - Tips for choosing credit card benefits and perks that fit your needs.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Credit card facts - Learn about the different types of credit cards and approval standards.

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

Credit card payment calculator - Calculate monthly payment amount required to payoff card within a time frame.

Credit card ratings - Review consumer ratings of credit cards.

Credit card rebuild credit - Apply on the internet for a credit card to rebuild bad credit.

Credit card rewards - Choose perks such as cash back and points which interest you.

Credit card search - Use our fast, easy credit card search engine.

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.

Discount card - Enjoy discount card rewards. These credit cards offer purchase discounts that can help you save money when shopping.

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.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free credit report - Get a free credit report copy online.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

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.

Gold American Express - Browse for any current American Express gold card offers.

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

Gold Discover Card - Browse for any current Discover gold card offers.

Gold MasterCard - Browse for all MasterCard gold card offers.

Gold Visa Card - Browse for all Visa gold card offers.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Guaranteed credit card - No credit check credit card for people with bad credit.

Guaranteed loan - Instant personal loan approval with no cosigner and no credit check.

Guaranteed platinum credit card - Start shopping with no credit report check.

High risk loan - Unsecured loan for bad credit people with no credit turndowns.

Home equity loan - Refinance your first mortgage and take cash out at closing.

Home loan lenders - Get multiple home loan quotes with just one application.

Home remodeling loan - Use your home's equity to finance a remodeling project and increase home value.

Household personal budget - Create a budget to save money and cut expenses.

Improve credit score - Get a higher credit report score for better loans, cards and interest rates.

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.

Loan instant approval - Guaranteed loan with instant approval. No need to stand in line at your bank.

Loan to pay bills - Get a no hassle loan to make your bill payments on time.

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.

Offers - credit cards - Search all credit card applications.

Offers - Discover - Search Discover card applications.

Offers - Mastercard - Search Mastercard applications.

Offers - Rewards - Search reward card applicatons.

Offers - Secured/Prepaid - Search secured/prepaid card applications.

Offers - Student - Search student card applications.

Offers - Visa - Search Visa applications.

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.

Personal finance - Keep track of personal finances with our services and resources.

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.

Platinum Chase Credit Card - Review any current Platinum cards offered by Chase.

Platinum credit card - Review any current Platinum cards offered by major credit card companies.

Platinum Discover Card - Review any current Platinum cards offered by Discover.

Platinum MasterCard Card - Review any current Platinum cards offered by MasterCard.

Platinum Visa Card - Review any current Platinum cards offered by Visa.

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.

Pre-paid visa - Avoid overspending by getting a prepaid Visa card.

Prepay credit card - Menu of prepay cards by major credit companies.

Question and advice - Free online help, just submit your question and get an answer.

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

Reminders to pay bills - Free reminders so you pay bills on time.

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.

Rewards 660 - The Rewards660 card for people with credit problems.

Rewards credit card - Browse credit card rewards for people with good credit.

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

Sears card - Get a retail store (charge) card.

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.

Stop credit card mail - Stop getting credit card offers in the mail.

Student credit card - Apply for a student credit card.

Track expenses - Free software to track where you spend your money most.

Travel credit card - Get the perks and rewards you deserve to stretch your personal vacation and business travel dollars.

Unsecured cash loan - Get the loan you need to take care of unexpected bills.

Unsecured credit card - Browse the many choices and apply online.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

Unsecured personal loan - Your high risk loan solution for bad credit people.

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.