Free reminders to pay bills - desktop software with reminder alerts.

Need a free reminder to pay bills? You can use our desktop software to remember utility, credit card and loan payment due dates, even special events such as birthdays and appointments.

Our reminder software is 100% free and works on your Windows computer desktop. Simply download, input your important dates and reminders will popup on your computer.

Free Bill Reminder Software - Click Here

Free Public Service Courtesy of Credit Federal

No doubt, our free bill payment reminder software can help you build and maintain good credit, because timely debt payments are paramount. Our service is 100% free, and works directly (and privately) on your Windows computer desktop. Take advantage of our software to remind you of bill due dates, birthdays, appointments, or to remind you of any important date.

You can set your account to send you daily, monthly, or even yearly reminders. Click the graphic above to download our reminder software today.

By using our free reminder software, you can save money by avoiding late payment fees and overlimit fees.

There is no cost nor obligation.

Software Directory? Add our PAD XML file.

Debt

Managing debts may call for professional help and choosing between several available options to get out of debt may be needed. Debt consolidation is one popular choice during financial hardships. Many online companies have helped people survive problems by matching them to a consolidation agency. Consolidation is a process of bringing multiple debts and financial obligations together in order, to be able to find a more manageable monthly payment.

This can have different forms. One consolidation method is when debtors take out a personal loan for the amount of their existing debts. They then pay off their balances with the new loan. Some consumers choose to consolidate debt through a professional company that provides loans. The company will talk to lenders and confirm a payoff amount with them. When this is done, the accounts included in the consolidation will be closed or canceled so that the account holder can no longer access them. If there are credit card accounts, they might be closed or the person may be counseled to stop using them and advised not to open any new credit card accounts.

Regardless if debt consolidation is handled by a professional company or using a do-it-yourself method by taking out a loan, it may affect a credit score. As debts are paid off, the utilization rate, which is the amount of debt relative to the total credit will go down. For example, if a credit card has a $5,000 limit and the card is maxed out before the consolidation, that is at a 100% utilization which is not good. When that debt is paid off, it will hit 0% utilization which can be good for credit scores. If the account is left open but not used, there can be a positive effect on credit scores. 

Using a reputable consolidation service has helped many people consolidate the right way. The wrong way is getting a loan or working with a professional company to pay off debts, and begin charging while still owing debts. This is like doubling debts. This has negative effects on the utilization rate and can cause credit scores to plummet. There is also the stress of struggling with the same issues and problems as before and taking on new debts. A wise step is after getting a debt consolidation loan to pay off old debts, leave credit card accounts open and unused for a while.

Government Credit Card Regulation Affects	It's clear to see that the credit industry should be deregulated, just by reviewing Government credit card regulation affects.
Travel Credit Card Rewards	Travel credit cards not only make vacationing more convenient, but can also save money by offering motel, airline and other travel related discounts. See how rewards credit cards can benefit you and submit your online application.
Home Ownership and Mortgage Equity Facts	Home ownership allows you to use your home as collateral and borrow money if you need it, just by taking out an equity loan. People often use their home equity for consolidating unsecured debts like credit cards, auto loans, personal loans, medical bills and other credit lines.
Calculate Credit Card Interest	How to calculate credit card interest. Use our online free calculators, or download calculator software to your computer for offline use.
Remove Late Payments from Credit Report	Why you should remove late payments from credit reports and fix errors. Order your free credit report online and check your spouse's credit score, too
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.
Government Legit Credit for Bad Credit People	The government thinks it can regulate the credit industry to continue legit credit offers for bad credit people, but they fail to understand the high risks loan and credit card lenders face.
Debt Free Money	The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements.
Calculate Debt And Payoff	Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement?
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.
Late Loan Payments Hit High	Trouble repaying debt? Late loan payments hit 16 year high, making almost any loan a high risk for lenders, not just those for bad credit people.
Late Payments Increase Bills	Consumer worries rise as late payment fees for already high bills further escalate debts.
Late Vs Never Credit Card Payment	Credit card companies now worry how many card charge payments will be late and how much cardholder debt will never be paid back at all.
Unpaid Credit Card Debt	The amount of unpaid credit card debt escalates as spending continues. Will consumers be able to payoff credit card charges, or will they need credit counseling, credit card debt consolidation, or debt settlement services?
Subprime Problems Trouble Car Loans	Late truck and car loan payments may be due to subprime credit problems.
Loan Problems Trouble Lender	Loan problems; late payments, defaults and low demand, trouble lender IndyMac Bancorp.
Mortgage Equity Trouble	If you owe much more than your home is worth, you're not alone in the latest mortgage equity trouble affecting US homeowners.
Credit Card Payment Calculator	Calculate minimum monthly payments for total balance payoff with our credit card payment calculator. Download our free software.
Bad News For Subprime Loan Borrowers and Lenders	Late payments and foreclosures... Bad news for subprime loan borrowers and lenders.
Consumer Debt Late Payments	Consumer debt has increased, resulting in late payments in multiple secured and unsecured loan categories.
Bank Credit Card Debt	Do banks encourage credit card debt with their overage and late fees?
Credit report accuracy and disputes	Credit report accuracy and disputes. Public comments are wanted on issues related to credit agency reporting accuracy and the reinvestigation of disputes.
Mortgage Delinquencies	Natural disasters, layoffs and rising interest rates at core of mortgage late payments.
Unsecured Loan	Get an unsecured loan regardless of bad credit or even no credit history. Get money with no collateral and no credit check.
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.
About Payday Advance Loans	About payday advance loans. Get fast cash online with no collateral.

Credit Card VS Cell Phone Account	The government regulates credit card company practices yet allows cell phone companies to commit far worse attrocities.
Obama Bombs Economy	The Obama administration wants consumers to spend in order to stimulate the economy. That's nice. Yet he and fellow democrats are stripping Americans of that ability, while blaming the credit industry.
Late Auto Loan Payments	Experian credit report agency says a preliminary study of 30 day auto loan delinquencies shows an 8.1% increase over a year earlier. That means $22.9 billion worth of loans are 30 days late.
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.
Auto Loan Late Payments	TransUnion credit report bureau offers lenders new loan approval decision tools as auto loan late payment rise.
Retire Or Save Money	What to do about retirement... 401k, IRA, Save Money, Retire Late, Get A Lump Sum Or Monthly Check?
Emergency Loans for Small Businesses	Small business owners may have a chance of getting a loan that could help pay for debts and the loan may be interest free. Applicants can apply for up to $35,000 and there would not be a repayment due for twelve months. The SBA (Small Business Administration) will be releasing more details later.
IRS Late Tax Filing Extensions	Still haven't filed your 1040 and won't make the government's deadline? IRS Late Tax Filing Extensions.
Longer Term Consumer Loan Programs	Consumer Loan Programs get Longer Terms. The Federal Reserve reveals a program geared to the availability of consumer loans and will require collateral by companies who participate to offer longer terms.Three years instead of one year on loans that are approved.
Gas Cards with Rewards	Want to get cash back when you put gas in your auto? Some Gas Cards offer perks not only for cash back when consumers charge for gas but also for charges for auto related expenses.
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.
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.
Experian Credit Report Study	Experian credit report study reveals late payments for mortgages and credit card bills for both good and bad credit people. Order your annual free credit report copy and fix errors that are costing you high interest.
Past Due Utility Bill Cutoff	If you are past due on your utility bill, you may face utility company cutoff. The free money from the government (tax rebate) that was designed to stimulate the economy, may end up funding utility bills and gas fillups.
Free Credit Report Monitoring	TransUnion will soon begin providing eligible U.S. consumers up to nine months of free credit monitoring and related services.
Calculate Car Lease Payments	Calculate car lease payments using the residual value and the interest rate using this equation
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?
$7000 Debt Question	Advice Request: $7000 in debt, poor credit, no collateral loan option. Is there anyone who can help me?
Government Tax Rebate Checks	Government tax rebate checks due out soon, hoping consumers will make new purchases to stimulate the economy instead of using the money to pay off bills. But will this lead to higher debt and possibly chargeoffs later on, worsening the economy?
Less Late Credit Card Payments	According to the Consumer Credit Delinquency Bulletin, late credit card payments declined. If you can't pay ontime, consider a credit card debt consolidation loan over a charge-off.
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.
Credit card bill payments	Late credit card payments by consumers remain at a high level, and people are adding more debt to their already high bill payments.
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.
Submit Financial Blog	Free financial web blog at Credit Federal. Submit a credit card blog, financial news blog, or other related content.

CreditFederal.com     Info     Affiliates     Advertising     Privacy Policy / Terms     Credit Search     Site Map

Instant approval credit card application and a bad credit personal loan with no credit check. Improve credit with our free tips.