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Tag Archives: credit report

SteveSavers – Group Discounts to Save Big Bucks on Debt and Credit Help

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Today I’m announcing a new free service of the site, SteveSaver’s. So what is a SteveSaverTM you are probably asking? There are a number of areas that people spend money on credit and debt issues. They spend money on credit counseling, credit reports, credit scores, debt settlement services, etc. So I thought, let’s bring group saving discounts offers to ... Read More »

    I Paid My Debt to the Debt Collection Agency and Then They Closed. – Nick

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    I paid a debt to a debt collection agency and a month later the closed shop without notice. My credit report still shows the debt and they can not be reached by phone or mail. I tried to settle it in civil court but the judge says that if they can not be contacted then there is nothing the court ... Read More »

      Use of Credit History in Hiring is Another Form of Unfair Discrimination

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      From the title alone some readers might have a visceral response that this article is going to be another liberal rant about the need for bigger government and more regulation. It’s not, so keep reading. There is no understanding of how many employers use credit histories in their hiring process. Consumers are afraid of the background check and employers are ... Read More »

        Teresa Writes In “I Have Too Many Credit Cards”

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        Teresa “Dear Steve, I have too many credit cards. Where do I start to get rid of them? Teresa”   Dear Teresa, Credit cards don’t magically appear in our wallets or purses. They appear because we have done something or participated in some process to agree to these credit instruments. The first step to get rid of your credit cards ... Read More »

          Off to College: How to Use Credit Cards and Not Get in Over Your Head

          Total Interest Payment Made When Paying Only the Minimum Payment

          Let’s face it: when it comes to getting credit, most students have it easy these days. Most college students do get credit cards — and plenty of them if they want. According to a recent study for the Education Resources Institute and the Institute for Higher Education Policy, many college students have credit cards and some of them got their ... Read More »

            How Do You Value Your Quality of Life? Debt Solutions to Fix The Future

            Photo Credit: Cayusa

            Debt doesn’t just affect the people actually in debt, it often affects the ones around them, near and dear to them. I know this from first hand experience as someone who has loved and lived with someone so deep in debt they could not see a way out. Not only is the emotional toll hard on the debtor but also ... Read More »

              I Would Like to Consolidate My Debt, However I’m Having a Difficult Time Finding Someone Who Will – Laurie

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              “Dear Steve, I am current of all of my debt. Do not have any past due debt. I do have about 25,000 in credit card debt and would like to consolidate, however am having a difficult time finding someone. Also, my main problem is that I have a Bank of America card fo 12,000 that they just raised my interest ... Read More »

                Opal Writes In “I’m Worried About Hurting My Credit If I Close Credit Card Accounts”

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                Opal “Dear Steve, I have two or three credit card that are debt free. Should I close these accounts since I don’t use them and don’t need but one active card? Would it go against my credit to close these? Opal”   Dear Opal, As strange as this may sound, with only two or three credit cards to your name ... Read More »

                  What in the World Do I Pay First to Clean Up My Credit Report? – Susan

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                  “Dear Steve, I have a lot of charge offs and medical bill collections, I also have a few good accounts on file. What in the world do I pay first to clean my report up? Susan”   Dear Susan, First, get a copy of your consolidated credit report. This consolidated credit report is the same one I use and I ... Read More »

                    I Am Getting Married And We Want to Buy a House But My Credit Isn’t Great. – Kelli

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                    “Dear Steve, Hope all is well! My fiance and I are getting married next April and are currently saving to purchase our first home! We are saving around $12,000-$15,000 for the down payment, we are looking to purchase a house no more than $130,000. The only problem is I have 2 charge offs from CC that I had about 2 ... Read More »

                      Do I Really Have to Default on My Debts to Go Into a Debt Settlement Program? – Mark

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                      “Dear Steve, I’ve considered both the Debt Management and Debt Settlement routes, but was told that I must first default on all of my cards before pursuing the latter. This strikes me as an extraodinarily risky move to make (the default interest rate on most cards is astronomic). Is there any way to pursue Debt Settlement without first defaulting; or ... Read More »

                        How to Be Financially Successful When You Graduate

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                        Congratulations! You’ve made it through the starving student years and now you’re ready to start a job and earn some real money. You’re probably thinking about all the things you’ll be able to buy, places you’ll go and things you’ll be able to do when those paychecks start rolling in. Not so fast. If you’re like all the people who ... Read More »

                          What You Need to Know Before You Refinance Your Home to Pay Off Debts

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                          Consolidating your debt with the equity in your home can be a terrific money-saving strategy. The interest rate may be much lower than you’re paying on your other bills and, if you itemize on your tax return, you can usually deduct the interest you pay – making the effective rate of the loan even more attractive. But what seems like ... Read More »

                            Financial Concerns for People With Long-Term Illnesses

                            Net Worth Worksheet

                            A diagnosis of any major disease will change your life. You may spend much of your time thinking about life and death and your own mortality. You might be trying to hold onto a job, if your health will allow it. You may be wondering who to tell — and who to turn to for support. You might be running ... Read More »

                              Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

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                              So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

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