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Need credit advice? Get an answer to your question. Submit your credit advice question for Credit Federal to review and possibly email an answer to you.

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Other Free Services: We now also offer free calculator downloads of all our popular calculator software (Windows Computers Only). Details Below

1) Personal Finance Center Calculator Download: 100% Safe & Virus Free - Report
This powerful; yet simple to use, calculator helps consumers track expenses and functions like a checkbook register. Users type in their expenses (as well as income) and assign it to a category such as "Credit Card Payment". The software calculates how much money is spent for each specific expense category. An estimated credit grade is also calculated based upon expenses and the assigned categories, as well as debt-to-income ratio. Another feature of the software are the credit improvement tips. The software examines expenses and provides tips accordingly. There's also a section for inputting bill payment reminders.

2) Credit Card and Loan Calculators Download: The download offers 7 calculators:

* Credit Card Interest and Payment Calculator: This calculates total interest paid, as well as how long it will take to payoff the balance based upon the amount of money repaid per month and the interest rate.

* Auto Loan Calculator: This also calculates total interest as well as monthly payments.

* New Mortgage Loan Calculator - This calculates monthly mortgage payments as well as total interest charges.

* Mortgage Refinancing Calculator - This calculates the new monthly mortgage payment based upon the refinance interest rate. It is very useful for people considering a mortgage refinance to not only determine the new monthly payment, but also to see if they will save more money.

* Monthly expense calculator

* Interest savings calculator

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.

New Home Loan Downpayment and Mortgage Refinancing

Advice about home loan downpayments and mortgage refinancing tips.

Debt Management Tips

Free debt management tips and advice on how to get bills under control.

Secured Prepaid Cards and Unsecured Credit Cards

Credit card tips: There are a lot of choices and variables to choose from, whether you want a secured prepaid card or an unsecured credit card.

Joint Credit and Ex Spouse

Manage joint credit accounts and tips to protect against ex spouse abuse.

Bad Credit Auto Loan and Downpayment

It's easier to find local and national bad credit auto loan lenders online than through other resources. Tips on how to get money for an auto loan downpayment.

Tips to Prevent Fraud and How to Lock Credit Report

You have rights to protect yourself from fraud, plus the ability to lock credit reports free. Prevent fraud with our tips and learn how to place credit report freezes.

Free Bankruptcy Filing Tips and Legal Advice

Can't pay bills and need debt relief? Free bankruptcy filing tips and legal advice about Chapter 7, 11 and 13, plus alternatives such as credit counseling and negotiating debt settlements with creditors.

Balance Transfer Credit Card Offers, Tips and Advice

Get the maximum benefit of 0 intro balance transfer credit card offers by reading these free tips and advice.

Car Buying Advice and Bad Credit Auto Loan Tips

Review our car buying advice and weigh new versus used, and get our free tips about applying for bad credit auto loans.

ATM Debit Card Tips for Secure Handling

Review our free ATM debit card tips for secure handling of your card and withdrawals.

ID Theft Protection Assistance

The threat that you may become a victim of identity theft is ever-growing as Americans struggle to make ends meet, and as criminals seek ways to acquire money. When crooks cannot steal new cars, TVs, jewelry and other valuables because people are broke, they set their sights on their credit. Free tips for ID theft protection, how to report ID theft and how to get assistance to recover.

Free Telemarketer Fraud and Scam Protection Tips

As Americans struggle to make ends meet, scammers also struggle with new ways to cheat them out of their money. Read these free telemarketer fraud and scam protection tips.

Establish or Rebuild Credit Without Bad Credit Cards

There are ways to establish or rebuild credit without resorting to high interest, bad credit cards. Read our free tips on how to improve credit scores with loans that post to major credit report bureaus Equifax, Experian and TransUnion.

Bad Credit OK

Department store credit cards and gas credit cards can help establish or rebuild credit, and some also offer other rewards like cashback. Unfortunately, not following the terms and conditions will void those benefits. Read these free tips about retail store charge cards.

Social Security Number Identity Theft Protection

Free tips for Social Security number identity theft protection for you - and for your spouse if you are married.

Get Out of Debt Free and Fast

Learn tips on how to get out of debt free, fast and easy. You can also get professional advice with a credit counseling, debt consolidation loan or debt settlement company.

Credit Counseling VS Debt Settlement VS Bankruptcy Filing

When you need fast debt relief, your three big options are credit counseling, debt settlement and bankruptcy filing. Review free tips before choosing.

Free Debt Advice

Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan.

Saving Money on School Expenses

Read our free tips about saving money on school expenses. If you need a loan, consider an unsecured credit card or perhaps a short term personal loan.

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 Credit Fraud and Scam Protection Tips

Free tips on how to protect yourself against credit fraud, identity theft, credit card skimming and phishing scams, and where to report fraud.

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.

Teach Kids Money Management

In addition to other bad habits, teens also need to stop wasteful spending. Read our free tips on how to teach kids money management, encourage them to save for college expenses and more. Download our free money management software to track expenses.

Free Tips to Avoid Credit Card Charges

Running up big balances on your unsecured credit card or store retail card and paying high interest? Review these free tips to avoid credit card charges. If you can't repay debt, consider counseling, debt management, an unsecured debt consolidation loan (for homeowners) or perhaps negotiate debt settlements.

Check Fraud Scams

Consumers Pay the Price for Check Fraud Scams. Read our tips on how to avoid credit scams and download our free checkbook register software.

Chargeoff Credit Card Debt and Rebuild Credit Score

It may take time, yet eventually you can rebuild credit after you chargeoff credit card debt. Review our free tips on how to negotiate debt settlements with creditors, and advice on how to rebuild credit.

Free Money Saving Tips

Review our free money saving tips and download our expense tracking software.

Teen Money Tips

Teach your teen kids the woes of bad money management by reviewing these free tips.

Choosing the Lowest Interest Rate Unsecured Credit Cards

Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards.

File Bankruptcy or Survive Credit Crisis

Although government laws make it tougher to file bankruptcy, the number of filings has increased due to the credit crisis. Here are free tips on how to survive.

Credit Card Holder Rights Act

Whether you have good or bad credit, the Credit Card Holder Bill of Rights Act is to protect you. Review free credit card tips for getting the best deal for secured and unsecured credit cards, and advice on managing accounts from gold to platinum.

Stop Bill Collector Calls and Threats

Free tips to easy stop bill collector calls and threats by learning your rights. Stop debt agency harassment, plus advice on how to negotiate settlements. Sample debt verification and debt settlement letters.

Retirement Planning Tips

Review these retirement planning tips to help you save money for your golden years.

Free IRS Tax Filing Tips and Deduction Software

Review these top, free IRS tax filing tips, and download our free software that helps you easily itemize tax deductions and other expenses.

Joint Credit Card Accounts

Apply for and review these free tips for managing and sharing a joint credit card account. Most gold and platinum unsecured credit cards offer an additional spouse card.

Free Bank Checking Account Advice

Review basic facts and our free bank checking account tips to find the best online banking for you.

Gov IRS Tax, Rebate and Return Tips

Review these government tips regarding IRS Recovery Rebate Credit, Tax Law Changes, Earned Income EIC and getting Old Tax Return Copies.

Free Tips from Credit Report Advisors

Read the top tips from credit report advisors on how to protect your privacy, monitor for identity theft, and how mistakes can get on your credit report.

Get Out of Payday Loan Debt

How to get out of payday loan debt. Your rights and solutions and tips other than filing bankruptcy for even the most desperate people. Negotiate repayments, get a debt consolidation loan, lower fees with credit counseling or chargeoff a portion through debt settlement.

Max Tax Refund Tips

Instant Tax Service(R) offers free IRS tax refund tips on how to max your refund. For faster tax refunds, file online.

Online Banking Scam Prevention

Is online banking scam filled or does it offer safe transactions in addition to convenience? Free tips on how to prevent being an online banking scam victim.

One Income Family Advice

For those already a one income family and for families with a spouse losing employment, we offer these free tips and advice.

Credit Card Debt Relief

Secured and unsecured loan options, counseling, debt settlement chargeoffs and other tips for credit card debt relief.

Free Debt Collection Agency Tips

Free debt collection agency tips and your rights to help you deal with harassing bill collectors.

Mortgage Advice Right Time to Sell or Buy

Is now the right time to sell or to buy a home? Read our mortgage advice tips and apply for a mortgage loan.

Apply For A Balance Transfer Credit Card

Browse and apply for a 0 intro balance transfer credit card, but first read our free tips and advice on what to look for before submitting your application.

Offline or Online Financial Aid

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

Credit Card Christmas Debt

Advice and free tips to help avoid Christmas debt, and options to settle debt, payoff bills, or to use credit counseling or an unsecured debt consolidation loan.

American Express Business Travel Savings Tips

American Express offers free business travel savings tips. Apply online for a consumer or business travel credit card or other rewards.

Student Credit Card Advice

Free advice about college student credit cards. Tips to get the best card for you, prevent high balances and to get a good credit score.

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.

Bad Credit Repair Assistance

When seeking professional assistance for bad credit repair, follow these free tips to help prevent being a scam victim. Order your annual free credit report to check for and to fix errors.

Credit Card Interest Rate Increases

Have you suffered a credit card interest rate increase? Here are reasons why your rate may be higher, and tips on how to avoid having your rate raised. To reduce credit card debt, apply for a 0 introductory balance transfer.

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.

Debt Loan Advice

Free advice and tips on debt loan options. Consider offers and apply for a loan to payoff debt.

Free Checking Account

Free checking account tips to choose the best bank offer. Download our free checkbook register software.

Stop Credit Card Debt

Charging too much credit card debt? Free tips on how to stop credit card charges, plus free computer software to track expenses.

Credit Card Scam Tips

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

Debt Collection Agency Negotiation

Cannot repay bills? Free tips for debt collection agency negotiation. Before you agree to a loan or credit card debt settlement chargeoff, read our advice.

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.

Stolen Credit Card Numbers

Are you one of the 41 million people whose credit card number was stolen? Recover from fraud and identity theft. Learn how to place a fraud alert on your credit report, and get other free tips and advice on how to check for credit report errors, fix and improve bad credit scores.

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.

How To Reduce Debt

It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer.

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.

Debt Relief Tips

CreditFederal offers abundant resources to deal with debt, including professional services like credit counseling, debt management and debt negotiation, as well as do it yourself free debt relief tips.

ATM Debit Card Security

Discover Card wants to remind cardholders of ATM and Debit Card security tips. Browse and apply for a good or bad credit card, whether a pre-pay secured credit card, an unsecured rewards card with vacation points and miles or a travel business credit card.

ATM Debit Card Fraud Tips

In support of ATM & Debit Card Safety Awareness month, PULSE; a Discover card product, offers tips on debit and ATM card use for privacy protection and to prevent fraud.

How To Write A Check

Example of how to write a check from your personal bank checking account, plus free tips to prevent scammers from committing fraud by changing check Pay To and amount information.

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.

How To Repair Bad Credit

Free tips on how to repair bad credit reports and to fix credit errors, and the steps the Transunion, Equifax and Experian credit report bureaus use to calculate credit scores so you can perform your own credit check.

Scams Fraud Identity Theft Warning

Prevent scams, fraud and identity theft which increase during widespread credit problems and economy troubles. Tips include keeping a credit check of your credit report, card statement, bank checking account and other privacy concerns.

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.

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?

Free 2007 Tax Filing and Refund

Important free 2007 tax filing tips, special deductions, rapid refund online tax filing and costly errors to avoid.

High Credit Card Charges

Are your credit card charges too high and you think you'll stop paying? Read our free tips.

Gift Credit Card Shopping

Tips for Choosing the Best Gift Credit Cards for Holiday Shopping. Use our credit card guide to find the Christmas credit card best for you.

Home Buying

Though housing prices have dipped and could dip further, home buying doesn't need to be delayed. Get multiple mortgage loan quotes.

Self-Help Identity Theft Protection

Self help identity theft protection tips plus ways to recover if you become a fraud victim.

Tips To Improve Credit Report Score

Free tips to improve credit report scores to overcome credit abuse such as over charging, payment default, or other problems.

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 Tips to Save Money

Spouses: Improve your joint household budget; the top tips on how to save money and to be prepared for expenses. Download our free software.

Top Personal Finance Tips

Attitude and behavior are among the top personal finance tips.

Free Tips to Prevent Foreclosure

Read these 10 free tips on how to prevent mortgage foreclosure.

Free Tips to Improve Credit Score

Tips to improve credit scores, because your score can either help you save money or can cost you higher interest rates.

Bad Credit Repair Tips

Get credit card and loan approval at lower interest rates. Self-help bad credit repair tips.

Top Credit Card FAQs

Review Credit Federal's Top Credit Card FAQs, with basic tips for secured and unsecured credit cards.

Financial Calculator Downloads

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

Badder Bad Credit

Don't let your bad credit get badder. Read our credit consumer tips.

Choosing Credit Card Rewards

Helpful tips for choosing credit card rewards, from sky miles, to hotel travel points and cash back rewards.

Consumer Debt Late Payments

Consumer debt has increased, resulting in late payments in multiple secured and unsecured loan categories.

Teach Children Value of Money

Free Tips on how to teach children and teenagers the value of money in a fun, learning way.

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.

Improve Credit Score

Tips on how to improve credit score and maintain good credit once you obtain it.

Used Auto Buying Tips

Free used auto buying tips to help you avoid scams whether buying from a car dealership or an individual.

US Treasury Savings

Investing for retirement: Credit Federal defines Treasury Bills, Treasury Notes, Treasury Bonds, Treasury Inflation-Protected Securities (TIPS), I Bond and EE Bond.

Financial Resolutions

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

Home Remodeling Loan

Want a new kitchen, bathroom? Need a new roof, patio, or an addition? Free tips and home remodeling loan application.

Fix Credit Report Errors

Credit Check List: Fix credit report errors and remove outdated bad entries from Equifax, Transunion and Experian. Do-It-Yourself free credit repair tips.

Beware Payment Plan Totals

Tip: Whenever you receive a payment due notice, review the payment options and take time to do the math. For astronomical interest/fee charges, consider reporting it to your State Attorney General along with a copy of the payment statement.

Free Credit Calculator Software Download

Our 7 popular credit calculators have been combined into one convenient download. Now you can have all the common calculators right at your fingertips on your Windows computer.

How to Tell Debt Collectors Not to Call

If a debt collector is calling constantly about debts; whether you actually owe or not, you have the right to tell them not to call you. Read our free tips and download our sample letters to send to creditor and debt collection agencies.

Joint Spouse Credit Tips

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

Record High Unemployment

Hang on to your job and your credit. Unemployment is at a record high. Read our free tips and advice on how to track expenses to save money and why you should keep your credit card accounts active.

Good Credit Score Importance Increases

Good credit scores are becoming more important than ever. Read our free tips on how to improve credit scores, and download our budget software to track expenses.

Free Tips Before Purchasing a Home

Free Tips Before Purchasing a Home. To buy or not to buy a home - that is a good question many consumers tackle at some point in life. There are a few questions you could ask yourself to help get to the correct answer for you.

Free Credit Report Score Facts

Review free credit report score facts plus tips and advice on how to improve credit scores, score ranges and rank meanings and other information.

Saving Taxes and 401K

Tips for saving taxes and contributing to a 401k retirement plan.

Unemployment Tips

About the be fired? Review these unemployment tips.

Long Term Personal Finance Planning

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

Get Out of Christmas Credit Card Debt

Free tips and advice on how to get out of Christmas credit card debt. Research our library of debt tips and advice on how to manage your personal expenses. Download our free expense tracking software.

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.

Direct Student Loan Consolidation

FAQs, tips and advice about Direct Student Loan Consolidation. Read before applying for debt assistance.

Auto Loan Tips

Free tips to help secure the best auto loan for you. Submit your online application for a good or bad credit auto loan quote.

Used Car Tip

Did you know a damaged or wrecked auto can get a clean title by transferring registration to another state? Avoid being scammed with our free, used car buying tip.

Store Charge Card Theft

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

Emergency Loan Funding

Free credit tips for emergency loan funding. Cover urgent expenses with a credit card, short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.

$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.

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.

Pay Raise Tips

Free tips on how to ask for a pay raise. As prices increases, so should your income. Learn how to invest in your future by asking for a bigger paycheck.

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.

Beginner New Credit Applications

Beginners; people who yet have no credit, want to know how to get credit and get it at favorable terms. Here are tips for new credit applications.

Store Charge Cards And Gas Credit Cards

Some people don't want or can't get unsecured credit cards and choose store charge cards and gas credit cards instead. Free tips for using store cards and gas cards.

Joint Credit Score

Marriage and Divorce: Should you do a credit check on your fiance? Free tips about a joint credit score, and how debt affects married or divorced couples. Start a joint budget.

Free Credit Card Tips

Free credit card tips by Credit Federal. Avoid extra fees and high interest rates. Get an elite, no deposit credit card.

Free Credit Card Tips

Free credit card tips to help you choose credit card offers, whether a debit card, credit card to rebuild credit or a platinum credit card with rewards, courtesy of Credit Federal.

Small Business Vacations

Small Business Vacations. Travel tips from American Express OPEN. Browse and apply online for a travel credit card that offers airline sky miles, gas rebates, motel discounts, special entertainment programs and more.

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.

Wage Garnishment

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

Financial Options

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

Visa Holiday Consumer Protection Tips

Visa Holiday Consumer Protection Tips. Apply for your Christmas credit card online.

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.

Debt Management Tips

Free debt management tips and advice on how to get bills under control.

Advice Why Credit Is Important

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

Debt Management Counseling Info and Advice

Debt management counseling information and free debt relief advice.

New Credit Card Account Advice

Free credit card account advice about the rates and fees for new card offers before you submit an application.

Free Bankruptcy Filing Tips and Legal Advice

Balance Transfer Credit Card Offers, Tips and Advice

Get the maximum benefit of 0 intro balance transfer credit card offers by reading these free tips and advice.

FDIC Insured Bank Deposit Advice

Advice on how to purchase FDIC insured deposit products (checking, savings and certificate of deposit (CD) accounts).

Car Buying Advice and Bad Credit Auto Loan Tips

Review our car buying advice and weigh new versus used, and get our free tips about applying for bad credit auto loans.

Rewards Credit Card Advice

Are you getting a good deal? Read our free rewards credit card advice.

Debt Settlement Advice

Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice.

Get Out of Debt Free and Fast

Learn tips on how to get out of debt free, fast and easy. You can also get professional advice with a credit counseling, debt consolidation loan or debt settlement company.

Free Debt Advice

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.

Chargeoff Credit Card Debt and Rebuild Credit Score

Credit Card Holder Rights Act

Stop Bill Collector Calls and Threats

One Income Family Advice

For those already a one income family and for families with a spouse losing employment, we offer these free tips and advice.

Mortgage Advice Right Time to Sell or Buy

Is now the right time to sell or to buy a home? Read our mortgage advice tips and apply for a mortgage loan.

Apply For A Balance Transfer Credit Card

Browse and apply for a 0 intro balance transfer credit card, but first read our free tips and advice on what to look for before submitting your application.

Credit Card Debt Advice

Free credit card debt advice and solutions to either payoff balances with a loan, chargeoff, file bankrutcy or to reduce payments.

Credit Card Christmas Debt

Advice and free tips to help avoid Christmas debt, and options to settle debt, payoff bills, or to use credit counseling or an unsecured debt consolidation loan.

Student Credit Card Advice

Free advice about college student credit cards. Tips to get the best card for you, prevent high balances and to get a good credit score.

Credit Card Management Advice

Free credit card management advice. The credit industry is undergoing changes and shake-ups, and it is not unusual for a credit card company to alter the fine print of their terms and conditions.

Debt Loan Advice

Free advice and tips on debt loan options. Consider offers and apply for a loan to payoff debt.

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.

Which Bankruptcy To File

Differences and benefits of Chapter 7 and Chapter 13 bankruptcy. Don't file bankruptcy and make bad credit worse. Read our free advice or apply for debt assistance including credit counseling, a debt consolidation loan, debt management or negotiate a settlement chargeoff.

Debt Collector Verification

Free sample letter and advice on how to get a debt collector to prove you owe money.

Debt Collection Agency Negotiation

Cannot repay bills? Free tips for debt collection agency negotiation. Before you agree to a loan or credit card debt settlement chargeoff, read our advice.

Stolen Credit Card Numbers

Check 21 and Substitute Checks

What are substitute checks and how does Check 21 affect you? By law, your bank may not pay a check from your account unless you authorize the payment. Get more free credit advice about bank checking account rights. Also download our checkbook expense calculator software.

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.

Free Debt Relief Advice

Perhaps your credit mistakes are the reason why bills continually pour into your mail box despite debt consolidation efforts, struggles to payoff and/or to negotiate debt settlement chargeoffs. Read our free debt relief advice.

Free Money Gov Tax Rebate Check

Debt Management Plan Advice

Review our free debt management plan advice. In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they’ve worked out with you and your creditors.

Record High Unemployment

Hang on to your job and your credit. Unemployment is at a record high. Read our free tips and advice on how to track expenses to save money and why you should keep your credit card accounts active.

Free Credit Report Score Facts

Review free credit report score facts plus tips and advice on how to improve credit scores, score ranges and rank meanings and other information.

Long Term Personal Finance Planning

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

Get Out of Christmas Credit Card Debt

Direct Student Loan Consolidation

FAQs, tips and advice about Direct Student Loan Consolidation. Read before applying for debt assistance.

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.

Credit Scams Target Worriers

The internet; a great source of information, has become a beacon of advice for consumers worried over the credit crisis. Unfortunately, scam artists are forever seeking ways to get their hands into consumer wallets by stealing personal information.

Freeze Credit Report

How to freeze credit reports. Free advice on who should free credit reports and how to notify credit report bureaus of fraud.

$1 Dollar Law Suit Prevention

$7000 Debt Question

Advice Request: $7000 in debt, poor credit, no collateral loan option. Is there anyone who can help me?

6 Month Personal Loan Question

A CreditFederal.com visitor asks for advice regarding a short term personal loan.

Question About Auto Lease

A Credit Federal visitor asks for credit advice concerning an auto lease loan default.

Credit Advice Question

A Credit Federal visitor asked our advice regarding his credit report score.

Auto Refinance Question

Bad credit auto refinance loan question and advice.

Business Financial Advice

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

Wage Garnishment

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

Easy Approval Credit Cards

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

Debt Counseling: Personal budget out of control? Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

Free Credit Offers: Get no obligation credit offers and receive tips and alerts to help manage your personal finances.

Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out or a debt consolidation loan.

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt help, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.

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.

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.