CaliChristian11

What Is A FICO Score?

What Does FICO Score Mean? A type of credit score that makes up a substantial portion of the credit report that lenders use to assess an applicant's credit risk and whether to extend a loan. FICO is an acronym for the Fair Isaac Corporation, the cre... Read >

Children and Money: Start Teaching Early

With credit cards and debit cards so common place in American life, it can be a challenge for parents to teach their children the value of money and saving. However, it is possible for children of all ages to begin learning about money even at a young age... Read >

Debt Settlement Fraud - Empty Promises

When you're under the stress of a mountain of debt, the fantasy of quick relief can suck you right in. "We'll cut your debt in half-fast!" "We'll stop harassing calls from your creditors." To desperate ears, these promises may sound incredibly allu... Read >

Don't Let People Steal Your Money

Tips for College Bound Students As all high school students and parents know, funding a college education is expensive and finding the money can be a daunting process. According to the Better Business Bureau, consumer complaints against scholarship, as... Read >

Credit Card Tricks of the Trade

Late Fees By The Minute Anyone who has a credit card knows that the credit card companies aren't in business for charity purposes. Just like any other business, they want to make a profit. Unfortunately for consumers, charging fees-more and more fees, ... Read >

Payday Loan Centers: Borrower Beware

If you're strapped for cash it may be tempting to get a payday advance to tide you over for a week or two until you get your next paycheck. What could be the harm? The industry claims they're providing needed credit to consumers who aren't able to qualify... Read >

Mortgage Refinancing - Loan Flipping

If you're falling behind on your mortgage payments, or if you're struggling with growing credit card debt, utilities, and other bills, you may become the easy target of dishonest mortgage lenders or brokers hoping to profit. Solicitations come in a variet... Read >

Bad Decisions That Typically Lead To Debt

A common thread running through many households in terms of debt is a lack of planning. Whether it is caused by ignorance or indulgence, it is crucial to recognize it and change it. The negative consequences caused by this lack of planning are many, but i... Read >

Get Rid of College Debt Before It Happens

Let me recount the story of a favorite nephew. At Thanksgiving dinner he announced that he needed more spending money-$300 to get him through school until Christmas break. This was less than 3 weeks away. By the reaction of his parents, it wasn't an unusu... Read >

File Bankruptcy - Bankruptcy File Segment

Avoid Bankruptcy - Why You Need to Avoid Bankruptcy At first glance, Bankruptcy may seem like the only possible way to get out of the bad credit or financial crisis that you're in. The stress and pressure of debt can certainly be overwhelming. Whether ... Read >

How to Avoid Bankruptcy Pitfalls

When stuck in a huge debt, many individuals find themselves in a very stressful and taxing situation. One major challenge they must face is dealing with their creditors. It is not uncommon that creditors sometimes commit undue practices in collecting debt... Read >

Excellent Tips To Avoid Foreclosure

There are a number of ways to avoid a foreclosure filing on your home. You should know all of them in order to make certain that you never lose your property. It is better to take preventive measures than to wait defenselessly against it. If you do not wa... Read >

Debt Overload - How To Know When Enough Is Enough

So many Americans are overloaded with debt but seem to function under the pressure. Cash advances here and there, rotating which credit cards to use, bouncing checks, and so on. Keeping up with the Jones' is a full time job, but as long as the kids are ha... Read >

How Careful Living Can Avoid Unnecessary Debt

Most Americans are, unluckily, living with tons of debt over their head. And, with lots of people losing their jobs, it's more significant than ever to keep the amount you owe down to a bare minimum. Regrettably, creditors are hardly ever kind hearted whe... Read >

Bad Attitude Keeping You In Debt

Money and Emotions For many people, money can be emotionally charged. Buying something that you really wanted can make you feel happy at the time but then guilty afterward because you realize you can't afford it. Even regular purchases, such as grocery... Read >