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How to Win Against Debt Collectors
Are you being hounded by collection agencies left and right? There’s a good chance they’re breaking the law. The law is very specific about what debt collection agencies can and cannot do, and today we’re going to talk about how to beat them at their own game. First, establish that the only contact you will…
6 Ways You’re Hindering Your Credit Repair Efforts
Though the U.S. financial climate has improved significantly over the last few years, many individuals are still struggling to repair their damaged credit from the height of the great recession. It can take years to get your credit back on track after a few big screw-ups, and even longer than that if you’ve had to…
Small Banks Fight Back Over Data Breach Losses
Small banks and credit unions are fighting back after major data breaches involving Target and Home Depot. These breaches caused them to incur huge financial losses, the majority of which have not been reimbursed by the retailers. As reported recently by The New York Times, these smaller financial institutions have now banded together to file…
16 Easy Ways Baby Boomers Can Build Their Credit
We give Baby Boomers a lot of credit when it comes to finances. Their generation learned to save up if they wanted something, and many older parents this age have stepped in to support their grown children when they fall on financial hard times. Even so, Baby Boomers have the highest average credit card balance…
The Top 10 Buyers’ Market in the US
As the real estate market bounces back in many parts of the country, sellers have the upper hand. However, according to a recent report from online real estate portal Zillow, there are some markets where buyers still have a clear advantage. Philadelphia, Chicago and Cleveland take the top three spots for strong buyers’ markets in…
Growth of Home Prices Slows in February
Sales prices for single-family homes grew more slowly in February, according to S&P/Case-Shiller’s National Home Price Index. In January, prices grew 4.4% year over year, while the same figure for February came in slightly lower at 4.2%. America’s largest cities, however, bucked the trend, as prices accelerated faster year over year in 20 major metro…
Does Do It Yourself Credit Repair Actually Work?
If you’re in debt or have poor credit, it can be pretty tempting to try to repair your credit on your own. But should you really try to do it yourself, or should you work with a trusted credit repair company? It all depends on your level of self-control and commitment to getting your credit…
5 Things You Must Consider Before Borrowing Money
The trend of people rushing to credit facilities and other financial institutions is seemingly growing with every new day. People are continuously borrowing and it seems it will not stop anytime soon. From car loans, student loans, home loans and renovation loans to every other type of loan; all indications point out that the trend…
7 Tips to Improve Your Personal Credit Score for Business Owners
Just as individuals have personal credit scores, businesses have corporate credit scores they use to obtain loans and make purchases. The benefit of corporate credit is that the company owner isn’t personally liable for the debt. Their personal credit score doesn’t play a role in the company’s ability to obtain new loans or take on…
Why a Long Term Car Loan is Bad Financial Debt
Buying a car is, by nature, a bad investment. As soon as you drive it off the lot it begins to depreciate, and you’ll never be able to sell it for more than you paid for it. The sad truth is, though, that buying a care is a part of life. The only thing you…