The Credit Debt Killa

  GOOD CREDIT VS BAD CREDIT The first thing banks will look at when you are looking to buy a home, a car, or get a loan is your credit score. They will check your credit to see what kind of risk you are and to determine how much you will pay in interest. Certain employers will also look at your credit to determine if you qualify to get the job.   People with low or poor credit scores pay more in fees than someone who has a good or a high credit score. Credit bureaus provide banks and lenders with your credit information so that they can make assessments and decisions about you based on your score. The first thing banks will look at when you are looking to buy a home, a car, or get a loan is your credit score. They will check your credit to see what kind of risk you are, and to determine how much you will pay in interest. Certain employers will also look at your credit to determine if you qualify to get the job.   People with low or poor credit scores pay more in fees than...

                                                                                        How to Get Debt Collectors to Stop Harassing You     Are those annoying debt collection calls getting to you?😡  If a company believes you owe them a debt, they do legally have the right to contact you to retrieve that debt. However, in just 30 minutes of work, you can get them to never contact you again.  I know you're anxious to find out how to sue the credit bureaus and debt collection agencies. I'm going to make this blog short and straight to the point.   Here's how to get debt collectors of all non-business debt to stop harassing you.   Before Getting Started   Before you request them to stop contacting you, it may be a good i...

 " Bad credit" credit cards also known as secured credit cards can be obtained even with a bad credit rating. The bad credit credit cards provide an opportunity for people (with bad credit ratings) to improve their credit rating. In that sense, bad credit credit cards act as rescuers for such people. So, bad credit credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past. Bad credit card cards are commonly known as secured credit cards. A bad credit card card (or secured credit card) requires the individual to open up an account with the credit card supplier and maintain some cash balance in the account. Why is that required? Well, credit cards are a business for the credit card suppliers; so how can they trust someone who has defaulted on his/her payments in the past? After all, a business is about profits, and such risks are a threat to profits. The bank or the credit card supplier will generally pay i...

                                3 Facts You Need to Know About Bankruptcy                                                                                                                                      #1 in credit repair  Are you considering filing for bankruptcy? Before you do, here are some very important things you must know.   1.    Don’t make the decision rashly.   Make sure you take time to educate yourself about the proceedings. Bankruptcy will impact your credit for ten years down the road, so it’s by no means the “clean beginning...