Articles

Interest Rates

Avoid Triggering Universal Default Clause: Late payment penalties are not the only causes of universal default.

Most Major Credit Cards Reduce Interest Rates on DMPs: Creditors created the DMP, but why?

Low Card Interest for Bad Credit: Your bad credit does not prevent you from obtaining low card interest rates.

Minimum Payments

Credit Card Minimum Payments Have Risen: New calculations are causing higher minimum payments on credit cards.

Lower Minimum Payments Are Hard to Request: Earn lower payments through financial strength or by committing to credit counseling.

Credit Card Minimum Payments: Think it is OK to just make minimum payments? Think again! You are risking increased interest and higher payments.

Debt Consolidation

Consolidation Options for Poor Credit: What to do when loans become too expensive or unavailable.

Best Debt Consolidation Programs: The best programs combine experience and results as proof to success.

Credit Counseling

The Earlier the Better: Getting help now can save you thousands and provide a lower overall payment. It is too late when it is charged off.

Credit Counseling Does More than Lower Interest: You could get late fees erased while enjoying a current payment status on your credit.

Credit Repair

Credit Counseling Can Rebuild Credit: Credit scores increase as balances drop and payments are made on-time.

Improved Credit Allows for Lower Interest Rates: Your creditworthiness helps determine rates and eligible offers.

Debt Management

Benefits of a Debt Management Plan: A DMP can help you eliminate debt faster through assistance from your creditors.

Debt Interest: Reductions in finance charges can help you boost your principal payments or lower your minimum payment.