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Author Archives: Research Department

6 Student Loan Mistakes You’re Going to Make


Student debt comes in all shapes and sizes, but everyone should be concerned with their student loans, whether their balances are big or small. It doesn’t matter if you have competitive rates and will be free of debt with very little effort, or if decades of monthly payments stand in the way of your financial freedom — staying proactive and ... Read More »

    Congress Should Act to Mitigate Child Identity Theft

    crime scene

    Washington, DC (PRWEB) March 11, 2015 SubscriberWise, the leading provider of analytics-driven subscriber decision management technology and the nation’s first issuing consumer reporting agency for the communications industry, announced today that the company is again encouraging Congress to introduce and pass a legislative initiative that would require the creation of a national index of child social security numbers. The effort ... Read More »

      Court Orders Ringleader of Scam Targeting Seniors Banned From Telemarketing


      Court Imposes $ 10.7 Million Judgment A U.S. district court has permanently barred the ringleader of a multi-million dollar fraud that targeted seniors from all telemarketing activities, agreeing with the Federal Trade Commission’s allegations that he illegally withdrew money from U.S. consumers’ accounts and funneled it across the border to Canada. The summary judgment entered against Ari Tietolman and the ... Read More »

        How to Tell If a Credit Card Has a Good Interest Rate


        Finding a credit card can be just as personal a process as shopping for any other consumer good, whether it be clothing, a car, a home, or anything else: It must suit your needs but also fit in your budget. When it comes to credit cards, cost is most often determined by interest rates. Like many consumer products, whether the ... Read More »

          Will You Finally Be Able to Get Rid of Your Student Loans in Bankruptcy?

          help woman

          This week the White House announced a new Student Aid Bill of Rights, which aims to help federal student loan debtors with better options and more clarity in dealing with their problem student loans. While most of the new initiatives announced are geared toward eliminating unnecessary payment hurdles and make dealing with federal student loan repayment options easier, one section ... Read More »

            The 2% Down Payment Mortgage: Can You Get One?


            The biggest barrier for many would-be homeowners is the pile of cash that’s needed before a bank will even discuss a mortgage. The Federal Housing Administration, in an effort to boost the housing market, recently lowered down-payment requirements to 3.5% of the purchase price, but by the time would-be buyers consider closing costs, they still need roughly 7%. Even in ... Read More »

              Tax Preparers Make More Mistakes Than You Might Think


              ‘Tis the season to see a lot of advertisements for tax preparation companies, promising to help consumers get a pile of money back from Uncle Sam. The ads are enticing — more than half of Americans pay someone else to do their taxes. Set aside for a moment the financial truth that if you are getting a big tax refund, ... Read More »

                Here’s why you should open a savings account for your kids


                Mar 11 2015 By Dave Sieminski Even a small savings account for your child could make a powerful difference in their future. A recent study shows that children from low- or-moderate-income families, who have a savings account for college, are three times more likely to go to college, and four times more likely to graduate college—even if the account holds ... Read More »

                  The Best High-End Credit Card in America

                  credit card verification

                  A premium credit card may seem like an unjustifiable luxury given the typically high annual fees. But believe it or not, this type of card can be a bargain for the right cardholder. With nearly all top-of-the-line credit cards having an annual fee of less than $500 a year, these credit cards will offer rewards in the form of points ... Read More »

                    New Process for Consumers Seeking Mortgage Payment Assistance

                    Real Estate Concept

                    Riverside, CA (PRWEB) March 11, 2015 Springboard Nonprofit Consumer Credit Management, Inc. (“Springboard”) is pleased to announce a new platform that streamlines the initial intake process for homeowners needing mortgage related payment assistance and in particular those facing a foreclosure situation. The designated intake portal is available at and provides a greater level of efficiency for clients by securely ... Read More »

                      Obama’s Student Loan Bill of Rights: Will It Fix Anything?

                      Actual event photo. Notice a different website is actually in the banner.

                      President Obama issued an executive memorandum Tuesday to the Department of Education and other federal agencies to do more to help student loan borrowers afford their debt payments. He’s calling it the Student Aid Bill of Rights. It addresses some big issues, like making payments more affordable and giving borrowers a simple way to provide feedback on their loan experiences. ... Read More »

                        Self-Employed? Kiss Your Vacations Goodbye


                        If you’re self-employed you’ll never get a real vacation again. I read an article on the truths of self-employment recently. I’m in complete agreement that you can kiss your real vacations goodbye. I’ve been self-employed the majority of my 22 years in financial services. And I really wouldn’t have it any other way. But once you leave working for someone ... Read More »

                          3 Things I Hate About Student Loans


                          Hate is a word I rarely use in my posts. I like to remain upbeat and inspirational. And then I read the latest report on Household Debt and Credit published by the Federal Reserve Bank of New York, which said that outstanding student loan debt in the U.S. reached $ 1.16 trillion as of December 2014, having increased by $ ... Read More »

                            Tips For Dealing With Questionable Debt Collectors


                            Los Angeles-Long Beach, CA (PRWEB) March 11, 2015 National Debt Relief recently shared in an article published February 27, 2015 how consumers can deal with debt collectors when they believe it is a case of mistaken identity. The article titled “What To Do If You’re Wrongly Targeted By A Debt Collector “ lays out some tips for people to consider ... Read More »

                              Your Biggest Credit Report Complaint May Be Getting Fixed


                              Recently the three major credit reporting agencies — Equifax, Experian and TransUnion — agreed to a settlement with the New York Attorney General’s office to overhaul the national credit reporting process to better serve Americans. The agreement includes changes to the credit report dispute process, how some negative information can appear on credit reports and oversight of the creditors that ... Read More »

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