Harrine Freeman is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company and author of How to Get Out of Debt: Get an A Credit Rating for Free. Visit H.E. Freeman Enterprises
Is Bankruptcy A Solution Or Headache? One of the biggest myths is that if you file for bankruptcy you will be financially free and no longer have debt problems. Wrong! Bankruptcy is not the cure-all for getting out of debt. Over 1 million Americans file for bankruptcy every year. One in every 73 households files for bankruptcy. In 2005, 2 million Americans filed for personal bankruptcies. Millions of Americans are in debt and get in...... Similar Editorial : Have A Headache by A. Patric Cohen DDS, FAGD. | Source : Sinus Infection Dizziness
Why You Should Buy Insurance According to the website for Cover the Insured website, one of the highest age groups that are uninsured is made up of men and women in the 21- to 44-year-old bracket. According to the Chicago Tribune, 70 million Americans are underinsured. Sixty-one point nine percent (61.9%) of full-time workers are uninsured. According to the Employee Benefit Research Institute, health care costs have increased...... Similar Editorial : Need Insurance by Atty. Gabriel Cosh. | Source : Auto Car Insurance
5 Ways To Leverage Credit To Generate Wealth According to the Spectrem Group, in 2005 there were 7.5 million millionaires in America. One way to leverage credit to generate wealth is by having a good credit score. Having good credit can save you thousands of dollars over the life of a loan. Even just 1 percentage point can save you $20 to $300 dollars a month. The money saved can be used to invest, or borrow money to purchase assets to...... Similar Editorial : Leverage Your Knowledge by mybestseller. | Source : Money Making Guide
Pay Now Or Later - Debit Vs. Credit Which is better, debit or credit? Can't decide if you should shop with a debit or credit card? This article will discuss some of the similarities and differences between shopping with a debit card versus shopping with a credit card.When you use a debit card, the bank subtracts money from your bank account. Debit cards allow you to spend only what is in your bank account. It is a rapid transaction...... Source : Airline Miles Credit Card
Eight Ways To Pay Off Student Loan Debt A recent study by the National Center for Education Statistics shows that 50% of recent college graduate have student loans, with an average student loan debt of $10,000. The average cost of college increases at twice the rate of inflation. With the rising costs of college, it is difficult for aspiring colleges students to get enough scholarships and grants to pay for college and basic necessities...... Similar Editorial : Student Debt Management Loan by ashtongabriel. | Source : Student Loans Department Of Education
7 Ways To Protect Yourself Against Credit Card Blocking Credit card blocking occurs when a business places a hold on your credit card for a reservation such as a hotel or rental car. When you use your credit card at registration, the clerk will contact your credit card company and provide your credit card company with an estimated total of your bill. If the transaction is approved, that amount is held in reserve. In addition to the actual cost of the...... Similar Editorial : Protect Your Credit Accounts by Charles Essmeier. | Source : Credit Card Debt Problems
The Benefits Of Account Re-Aging Account re-aging can help you get back in good standing with your creditors and also increase your credit score. Account re-aging means the creditor will no longer consider an account late, and it will no longer be reported on your credit report.Creditors will re-age your account once you have established a history of making payments on time. A creditor may re-age a past-due account if you agree...... Similar Editorial : The Wow Alliance Account by Clint Jhonson. | Source : Online Banking Savings
The Truth About Collection Accounts The collection agency industry is a billion dollar industry. According to R.K. Hammer Investment Bankers, income from late fees and over-the-limit fees accounted for $14.8 billion dollars in the year 2004.A collection account is defined as a delinquent account that has been forwarded to a collection agency, usually when it has become 90 to 120 days late. Creditors send accounts to collection...... Similar Editorial : From The WorkWise Collection by Mary Jeanne Vincent. | Source : Online Banking Savings
6 Ways To Deal With Foreclosure According to RealtyTrac's website there have been over 2 million foreclosures in 2007. The top three foreclosure states are California, Texas and Florida. According to the Mortgage Bankers Association, 1 out of every 200 homes will be foreclosed.If you are facing foreclosure, put away those credit cards and stop charging. Put yourself on a spending plan immediately. Contact your lender's...... Similar Editorial : Pre Foreclosure by Synapse India. | Source : Foreclosed Home Sale
When Applying For A Mortgage Loan A few days after you apply for a mortgage loan your phone starts ringing off the hook with calls from other lenders trying to offer you a better deal. You ask yourself, How did they get my number; I didn't do business with them? When your credit report is pulled by a lender or broker, the request for your credit report triggers an alert, which informs the 3 major credit bureaus, Experian, Equifax...... Similar Editorial : Getting a Mortgage Loan by John Mejia. | Source : Weekly Mortgage Payment Calculator
