Debt & Credit Information

How To Build Good Credit How To Build Good Credit

Credit comes with pitfalls. We are told this regularly and for many people it seems... 

How To Turn Things Around How To Turn Things Around

It is a very rare kind of person that does not have money problems at some point... 

Unsecured Credit – You Still May Lose More Than You Gain Unsecured Credit – You Still May Lose More Than You Gain

Although there are obvious pitfalls to taking out a mortgage or a new car loan which... 

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Debt & Credit Tips

Living Debt Free Living Debt Free

There is an increasingly widely held impression in society today that in order to... 

Sometimes Counseling Can Help Sometimes Counseling Can Help

The word “counseling” is one that can trigger some pretty extreme reactions in... 

A Debt Management Plan Could Be Your Salvation A Debt Management Plan Could Be Your Salvation

Although we as a society have become used to the potential pitfalls of irresponsible... 

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Debt & Credit Free

A Life Of Debt A Life Of Debt

Since about a decade ago, the rise in numbers of people using credit to fund larger purchases has been steep. We have definitely become more impatient as a society, and this has meant that where we see an opportunity to acquire expensive consumer items we are unlikely to spurn that opportunity. Due to the rise in availability of credit in the early... [Read more of this article]

Is Life Fantastic With Plastic? Is Life Fantastic With Plastic?

We in society have become used to using plastic cards to pay for our purchases, because it promises convenience, speed and reassurance about our situation. While today we may not have the money to pay for that stereo or that holiday, a quick call to a bank can be all it takes to allow you to make the purchase one day and worry about paying it off in... [Read more of this article]

Your Credit Rating And What It Affects Your Credit Rating And What It Affects

Any time you take out credit for the purposes of making a purchase, or for any other reason in fact, this information goes onto a file which is held by any one (or more) of a number of credit monitoring agencies in your country. Any payments you make (or miss) and any changes to your account are recorded on this file. Depending on the agency, your credit... [Read more of this article]

Is a Loan the Way To Go? Is a Loan the Way To Go?

In the society in which we live, we all see from day to day people who have possessions which we would like to own for ourselves. Unfortunately, budgetary concerns make this impossible, in some cases. To overcome this situation, more and more people are looking at taking out personal loans as a way of raising the money to fund their purchases. Of course,... [Read more of this article]

Why Do We Use Credit? Why Do We Use Credit?

When someone falls into debt due to a history of using credit there is invariably a rush of questions as to why they saw fit to borrow so much in the first place. Part of the reason is the way that credit has been sold by the banks – if you apply today you could have that new car tomorrow – and part is due to the fact that people always feel more... [Read more of this article]

Secured Loans – The Pitfalls Secured Loans – The Pitfalls

Taking out a loan for a small amount to pay for a purchase that is just outside your usual spending power should be quite a manageable situation. If you take the loan out at a reasonable rate of interest over a decent term then you should be able to make the repayments even if you find yourself out of work for a period. However it is a different story... [Read more of this article]

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