16 Feb
Posted by Debora Watt as Repair Credit Score
Repair credit fast promises and pitches fill my email inbox every day. The pitch promises to cut my debt up to 60%…cut my credit card debt up to 50%…get me debt free in 12-24 months…& return my life to normal. For heaven’s sake, this is exactly what I want.
I want to be debt free in 12-24 months with a 60% cut off what I owe.
I want my credit card debt cut in half!
I want debt collectors off my back!
I want my life back to normal!
Staring at me in the face is the perfect ad claiming it’s “so easy it’s monkey proof.”
Monkey proof? Huh? Wait a minute! Where’s my brain? Who are these guy
Written by Liz Davidson
Monday, February 7, 2011
The media and the credit reporting companies have done an excellent job promoting the notion of having a good credit score, almost too good a job because people seem to think that their credit score is the most important aspect of their financial life. Getting out of debt is secondary. Saving for retirement is secondary. It is almost as if when you have that perfect credit score of 720 or higher, then your life will suddenly become perfect. The advertising is working because even though everyone in the U.S.
Layoffs happen. I’ve seen even my hardest working friends with degrees from top universities get laid off. And although there are ways to protect your job (like going the extra mile and making yourself indispensable), there is no guarantee that you won’t lose your job at one time or another.
Depressing, I know. But here is the upside to it: a layoff could be your chance to get into a position that’s an even better fit for you, or your chance to try out that career you didn’t have the guts to. The trick is getting back on your feet, protecting your finances and starting to look for your next gig ASAP. If you have been laid off recently, here are a few things you can do:
1. Find out about severance benefits at your work (on the down-low). Knowing wh
12 Feb
Posted by Debora Watt as Repair Credit Score
Before I unload the details of Donna’s (and my) shocking (and very costly) discovery, I’d like to share an email I recently received from a guy named Jim Baylord of Mobile, Alabama, thanking me for my no-cost CD 8 Secrets To A 680 Credit Score!
Have you grabbed your copy yet? Click Here Now To Get Your No-Cost CD 8 Secrets To A 680 Credit Score! If not, click here now to discover 8 powerful secrets.
“Son, I want to thank you for giving me tools I could put to use immediately. Me and my wife feel better now that we have some clear help. Your first 3 secrets are kool. Something else, me and my wife didn’t know about debt collectors & paying off those scoundrells. We didn’t
These suggestions can help you make the right credit related decisions for your unique situation.
It’s a tougher game now. With divorce and separation come new experiences and responsibilities across the board. Suddenly words like “child support payments” and 100% liable for bills” enter the picture. If you ignore your increased financial obligations or fail to separate your accounts it may be hard to open new accounts and obtain new loans in your name. But, there are many moves you can make to protect and restore the good credit you took years to build.
It will decide your starting position. Before you begin, get an idea of what the entire playing field looks like. Call fo
The camera is empty. The photos are uploaded. And the souvenirs have been given away. What remains after a trip abroad? A roaring debate in my head about whether reward points are a waste of time and effort or if they’re a nifty way to save money. I have experience to support both views.
• Reward points are the enemy: A month after I returned, I’m still working on claiming my frequent flyer mile credit. The many segments of my trip were handed off to other operators so I face a complicated online form to get credited. The form requires a special 13-digit code that, alas, can be found only on the bigger section of boarding pass (the part that the flight staff keeps as you board). Plan
Paying off your debt is kind of like vowing to lose 50 pounds and then reaching your goal. Ta-da! It’s the moment you’ve been waiting for, but when it arrives you might find yourself thinking “Now what?”
First of all, awesome job paying off what you owed. It takes dedication and planning to pay off debt, and many people struggle with it endlessly, unable to make it happen. But not you!
It’s a new chapter in your financial life. A chapter where you are debt-free and devoted to not slipping into debt again. It takes dedication to stay within your budget and to spend less than you make, so remember not to get too relaxed and let your finances slip.
You’re also going to need a new financial game plan. This inform