Posts Tagged Credit
Q&A: Is it a good or bad thing to go through a credit counseling service?
Posted by admin in Credit Counseling on January 29, 2012
Question by Chrissy: Is it a good or bad thing to go through a credit counseling service?
Is it a good or bad thing to go through an imputing counseling service to aid relieve extreme debt?
Best answer:
Answer by rottie_mama1969
As long as they are lagit good, but just cognize you do pay them a fee for their services.
What do you think? Answer below!
The Search For What Is a Good Credit Score: The Credit Community Offers Its Answer
Posted by admin in Consumer Credit Counseling on January 25, 2012
The Search For What Is a Good Credit Score: The Credit Community Offers Its Answer
Palouse, WA (PRWEB) October 12, 2011
Palouse Credit Consulting, known for its fresh approach credit repair program where you only pay after you see the results, is today announcing their newly released credit repair guide, “Your Credit … Only Easier.”
“This is a free eBook to help you better understand your credit, and what exactly makes your scores go up or down,” said Grant Presol, credit consultant/owner of Palouse Credit Consulting and creator of the website http://www.thecreditcommunity.com.
Among the contents of this ebook, readers will find information dealing with…
How to get a truly free credit account How to ADD a new trade line Credit Report Dispute Strategies, and much more.
Palouse Credit Consulting credit repair program includes credit bureau disputes, as well as comprehensive counseling services. “Our credit repair program is ideal for anyone interested in existent, honest and lasting credit improvement,” said Grant.
In a clocked where Americans are asking “What is a good imputed score?” there doesn’t seem to be a clear answer. “I’ve worked with many clients, and the major concern is what is “good decent” when it comes to a credit score? There’s no short answer to that question, so I decided to build TheCreditCommunity.com to try and answer that question in detail,” explained Grant. “There’s too many “too good to be true offers” out there. I wanted to provide a website with free answers, gratis guidance.”
Consumers are looking for answered about their credit in many dissimilar industries. The auto industry, mortgage lending industry, even the insurance industries. In some cases, a credit score has an impact on insurance rates or even future employment. “Your credit score is an amazing money saving tool, a wealth building tool, as well as a life building tool. You should larning about it, and utilize it to its fullest.” said Grant.
For further information about the advantages of repairing credit scores by yourself, or to get some credit repair guide tips that could help you facilitate repair of credit hit, please contact: Grant Presol, Credit Consultant/Owner, 509-878-1444, grant(at)thecreditcommunity(dot)com, or visit TheCreditCommunity.com.
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Have you ever used credit counseling or a debt management plan?
Posted by admin in Credit Counseling on January 18, 2012
Question by Jake L: Have you ever used credit counseling or a debt management plan?
I’m thinking about using an imputing counseling agency or debt repayment plan but I’ve heard a lot of conflicting information about them in my research. Do you have whatever personal experience with it? Would you recommend it? Thanks.
Best answer:
Answer by bdancer222
Save your money and do it yourself. If you are current on your debts now, you won’t be once they start handling your payments. Your impute report will acted the same hit as a bankruptcy.Set up a strict reckon for yourself. Eliminate the extras — eating out, new clothes, cell phone, etc. Take every penny you can squeeze out of that budget and put it on the highest interest grading debt, while making minimum payments on the rest. Once the highest interest ranked debt is paid off, move to the next till they are all paid in full.If you make a concerted effort, you can clear up all your debt with 2 or 3 years.
Add your own answer in the comments!
Which is the best consumer credit counseling agency?
Posted by admin in Consumer Credit Counseling on January 14, 2012
Question by Kimberly G: Which is the best consumer credit counseling agency?
I know there are lots out there. I know to look for one that’s “nonprofit.” But I’m sure some are better than others! I just want to choose the best one. I live in Oregon if that makes a difference.
Best answer:
Answer by Slimick
Consumer Credit Counseling Services (CCCS)You can call your local Red Cross for a referral.
Add your own answer in the comments!
Q&A: How will my credit be negatively affected if I use Non-Profit Cons Credit Counseling to help me with 1 Bill?
Posted by admin in Credit Counseling on January 11, 2012
Question by : How will my credit be negatively affected if I use Non-Profit Cons Credit Counseling to help me with 1 Bill?
Until losing my job I never was late on bills but 1 company (Home Depot) will not work with me on their Extremely High monthly finance charges & extremely High Interest Rates. With the help of the non-profit Cons Credit Counseling Service I will pay it off sooner so in effect won’t that balance out any negative marks that going through them may cause?
Best answer:
Answer by CatDad
You may want to enter into a non profit debt management plan like Consumer Credit Counseling Services (CCCS). They can negotiate reduced interest and payments. They will require you to stop using all credit and to cut up your cards. Your credit report will be updated to “enrolled in debt management.” This does not damage your credit, but it may make it difficult to obtain new credit while you are enrolled in their program….so don’t use this service if you anticipate applying for a new apartment, car loan or mortgage anytime soon, as you would might be denied while you’re enrolled in the CCCS debt management program…You can get a referral at: http://www.nfcc.org
Add your own answer in the comments!
Can bill collectors still call even if you are with consumer credit counseling?
Posted by admin in Consumer Credit Counseling on January 9, 2012
Question by : Can bill collectors quiet call even if you are with consumer imputing counseling?
I do advised the bill collector that we are on the program.
Best answer:
Answer by CatDad
Yes….if they have decided not to participate in CCCS program then it’s their right to continue with collection activities.
Know better? Leave your own answer in the comments!
Prepare for Black Friday and Cyber Monday: Consolidated Credit Counseling Services, Inc. Offers 10 Tips to Curb Overspending
Posted by admin in Credit Counseling on January 7, 2012
Prepare for Black Friday and Cyber Monday: Consolidated Credit Counseling Services, Inc. Offers 10 Tips to Curb Overspending
Ft. Lauderdale, FL (PRWEB) November 16, 2011
Black Friday and Cyber Monday shopping are expected to soar as 225 million consumers flock to retailers and websites to try to land the best deals. With the average person spending about $ 700 on holiday gifts this year, the money experts at Consolidated Credit Counseling Services, Inc. offer 10 tips to curb overspending this holiday season.
“Consumers must remember they may end up in worse shape in the hanker-run, by overspending this holiday season,” warns Howard Dvorkin author and founder of Consolidated Credit Counseling Services, Inc., a fiscal literacy provider that has helped more than 5 million Americans pay forth their credit card debt. “The retail industry spends billions of dollars every year to influence Americans to think they need certain corporeal things to be happy. When people buy into manipulative marketing tactics, they aren’t as conscious of their spending and how large their debt will be,” says Dvorkin.
Consolidated Credit offers 10 tips to curb overspending:
1. Make a plan – Consumers are advised to make a list of who they are shopping for and what items they plan to buy for people on their name. Planning helps individuals from getting distracted by “bargain” ploys.
2. Create a budget – Use Consolidated Credit’s holiday spending planner worksheets to intend holiday spending. Know ahead of time exactly how much is in the budget. As items pile up in shopping carts, shoppers should keep a running total. For vacationing shoppers with children, aid them set a budget for gifts and prioritize their buying within that budget.
3. Check return policies – Stores are cracking down on their return policies this vacation. Even with a receipt, shoppers may find it difficult to make an exchange or get a refund. Read and inquire about a store’s return/exchange policy before purchasing anything duplicate check if the online policy is the same as in-binning. Shoppers are also advised to know the ins-and-outs of their credit card provider’s fraud protection in the case of theft.
4. Mobile apps – Mobile apps can save significant time and money. Free mobile shopping apps this holiday season are: Shopkick (Android and iPhone), RedLaser (Android and iPhone), Google Shopper (Android), ShopSavvy (Android and iPhone), Points Inside (Android and iPhone) and Key Ring Rewards (Android and iPhone).
5. Beware of shipping costs – Cyber Monday deals may seem sweeter than they actually are if you forget to consider shipping costs. Many retailers may levelling ship multiple items – individually incurring separate send fees. Try purchasing from sites such as Overstock.com where only one shipping fee applies or BestBuy.com which offers loose shipping done the holiday flavour.
6. Pay with credit – Credit cards are good when used responsibly. Shopping with plastic offers greater security protection. If there are problems with purchases, consumers may be able to get their credit card companies help in obtaining a refund. Plus, if they have a credit card reward program, they could rack up points while shopping.
7. Know sizes and measurements – Shopping for clothes or shoes online can be tricky, it is important to know exact measurements and sizes. We recommend shoppers buy brands that they are familiar with.
8. Shop reputable websites – Shop familiar online retailers. When shopping on a website that is not good-known, we advise to search the place and be cautious. Online shoppers must understand that when they give their credit card information there is always an amount of venturing. Never shop online without a secure and private Internet connection. Shopping via WIFI connections at public places is a no-no when it comes to online buying. Look at the URL of the website — if it starts with https:// you’re on an unafraid page, without the s the connection is unlatched.
9. Shop the day before Black Friday – Many retailers prove out a sale to see if it will be successful. For example, Target stores across the country will be open Thanksgiving from 8 a.m. to 2 p.m. testing out shopping intentions. Always ask in advance about any possible pilot sales, especially when shop for big ticket items.
10. Safety first – Take safety precautions and watch your personal belongings at all times. Mentally locate the nearest security office or officers in case an emergency occurs. For distaff shoppers, carry cross-body purses that cannot be easily snatched by thieves. Stores are not responsible for lost or stolen items — it’s up to the individual to be aware of his/her surroundings.
For more holiday tips, visit Consolidated Credit’s personal seed blog Miss Money Bee.
About: Consolidated Credit Counseling Services, Inc., founded in 1993, is one of the nation’s largest credit counseling organizations in the country and has helped over 5 million people with financial issues. Their mission is to help families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
National Foundation for Credit Counseling Adds New Member
Posted by admin in Credit Counseling on December 31, 2011
National Foundation for Credit Counseling Adds New Member
Washington, DC (PRWEB) November 11, 2011
The National Foundation for Credit Counseling (NFCC) is proud to welcome Novadebt to the NFCC network of nonprofit credit counseling agencies.
“We are delighted to welcome Novadebt as the newest member of the NFCC,” said Susan C. Keating, president and CEO of the NFCC. “Novadebt has for years demonstrated its commitment to quality credit counseling and will be a strong asset to the NFCC. Given the challenging fiscal circumstances of so many Americans, it will be our shared goal to expand the solutions for clients to achieve greater financial stability.”
Novadebt, founded in 1991, assisted more than 130,000 consumers over the last year through counseling, educational workshops and community outreach programs, helping to move them from financial distress into financial wellness. During the same timeframe, more than 340,000 pieces of free fiscal education materials were distributed.
Novadebt is a non-profit fiscal management societal service organization, providing costless fiscal and housing counselling services through their 160 certified counselors. Counseling is provided in-person or by phone, with the consumer taking the delivery channel that better meets their needs.
Enjoying an A+ rating from the Better Business Bureau, the company demonstrates a customer-focussed, unrelenting commitment to quality and customer satisfaction. The primary mission of the organization is to assist families and individuals in need by providing gratuitous financial education, community outreach and housing and assigning counseling services.
Novadebt is a HUD-sanctioning housing counseling agency, is certified by the Council on Accreditation, and is an Executive Office of the United States Trustee (EOUST) approved provider of the mandated bankruptcy pre-filing counseling and pre-discharge education.
“Through our membership in the NFCC, Novadebt expects to broaden our reach providing empathetic, and highly skilled service to individuals and families who face financial crisis,” said Joel Greenberg, President and CEO of Novadebt. “In these times of historic need, the NFCC has played an important role in the delivery of these necessary services. Novadebt looks forward to our new partnership with such a well-respected organization.”
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s large and long serving home non-profit-making credit counselling organization. The NFCC’s mission is to further the home agenda for financially creditworthy behavior, and make capacity for its members to present the high-quality fiscal education and reding services. NFCC Members yearly assist more than three million consumers through near to 800 community-established offices countrywide. For gratis and low-priced secret advice through a reputable NFCC Member, name (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org. Visit us on Facebook: http://www.facebook.com/NFCCDebtAdvice, on Twitter: twitter.com/NFCCDebtAdvice, on YouTube: http://www.YouTube.com/NFCC09 and our blog: http://financialeducation.nfcc.org/.
Gail Cunningham
(202) 677-4355 – unmediated
(240) 672-2700 – cell
gcunningham(at)nfcc(dot)org
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Lake Trust Credit Union Provides Michigan Educators with Unique Opportunity
Posted by admin in Credit Counseling on December 29, 2011
Lake Trust Credit Union Provides Michigan Educators with Unique Opportunity
Eaton County, MI (PRWEB) November 10, 2011
Lake Trust Credit Union has awarded Michigan Educator Jamie Hess, high school teacher at Eaton Intermediate School District, funding through the organization’s Professional Development Award Program.
The Professional Development Award Program, established by Lake Trust in 2010, provides financial assistance to Michigan educators for out of classroom/school professional development opportunities such as workshops, association conferences, and training.
Since 2010, Lake Trust has supported 21 counselors and teachers in receiving the specialty training like that provided at the All Michigan Counselors Conference, which Hess attended in Kalamazoo, MI on November 6-7th.
Hess has been working as a student services coordinator/counselor for two years. Prior to counseling, she was a classroom teacher.
“I am still very new to the counseling handle and eager to learn as much as I can to enhance my services to the students I serve,” says Hess. “My goal as a school counselor is to provide each student I serve with the best possible service, so they are prepare to enter post-secondary education and the workforce; I desire to give them the opportunities necessary to be successful.”
Nicole Piche, Student Program Specialist at Lake Trust Credit Union, appreciates the opportunity to help provide this resource for today’s educators.
“Jamie is very deserving of this award and we’re very excited to be able to help to provide this unique opportunity to her and other Michigan educators,” says Piche. “Lake Trust is committed to supporting financial education and college access efforts in Michigan schools.”
Funding for next year’s Professional Development Award Program begins February 1, 2012. Interested educators may email npiche(at)laketrust(dot)org and request an application.
Lake Trust strongly believes in supporting education in the communities it serves. Earlier this year, the Credit Union awarded $ 11,000 in scholarships to area high school students in the 21 branch communities around the state. In addition, the Credit Union conducted several seminars to help parents and students prepare for college and understand their award letters.
Lake Trust Credit Union is headquartered in Lansing, MI, and serves about 153,000 members from Lake Michigan to Lake Erie and Lake Huron, with branches in more than 20 communities throughout the state.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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