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Authors; Harrine E. Freeman

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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

Author Specialises in Articles on : Flirting Tips & Headaches
Online Guides & Article Directory by Harrine E. Freeman, Har5
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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



Benefits For Single Parents
Because compassion and caring nature these are two must haves in their partners...
Similar Editorial : Advice For New Parents by Deanna Mascle. | Source : Flirting Tips Pg. 17

Chapter 7 Credit Card
To prevent credit card blocking, use the same credit card the reservation was made, pay down your credit card to allow room for extra items that you may need to purchase, in addition to the reservatio......
Similar Editorial : A Credit Card Application by Salihu Ibrahim. | Source : How To Make Basketball Cards

Collection Of Accounts Receivable
Stick to your payment arrangement to sustain your relationship with the creditor and retain your credit rating...
Similar Editorial : Accounting For Accounts Receivable by Gregg Elberg.

Debit Vs Credit Cards
The credit card is making these operations more cost-effective and much simpler. Most countries accept all major credit cards, especially hotels and tourist resorts...
Similar Editorial : Accounting For Accounts Receivable by Gregg Elberg. | Source : Meaning Of Tarot Cards

Difference Between Mortgage And Loan
The wise person treads carefully when dealing with financial institutions as they only have one agenda...
Similar Editorial : Difference Between Bandwidth And Throughput by Yousaf Fayyaz.

Employee Benefits Account Manager
They will also report the payment arrangement to the three major credit bureaus, Equifax, Experian and TransUnion, and this will increase your credit score...
Similar Editorial : Account Manager In Advertising by Michelle Barkley. | Source : How To Handle Finances Pg. 167

Late Payments On Mortgage
Find out about your customers payment practices so that you can send out an invoice that fits in with their payment cycle...
Similar Editorial : Accept Payments On Website by Arun Pal Singh. | Source : How To Handle Finances Pg. 312

Pay Off Student Loan Debt
If you are having financial hardship, call the student loan company and inform them of your situation, ask for a hardship or loan deferment to ensure your credit is not damaged until you are able to ......
Similar Editorial : Average Student Loan Debt by Art Dash. | Source : College Student Loan Pg. 20

People With Good Credit
Even a few points on your credit score can make the difference between getting approved or getting declined, and we all need those extra points. Good luck!...
Similar Editorial : Auto Loans For People With Poor Credit by Carrie Reeder. | Source : How To Handle Finances Pg. 92

Transferring Credit Card Balances
Finally, cancel your old card since you dont need it anymore8212it will also save you some temptation...
Similar Editorial : Transferring Credit Card Balances by Debbie Dragon. | Source : How To Make Cards On Computer

Where To Buy Insurance
Then you can rest easy knowing you are covered, although make sure you understand and research the coverage you are buying to understand the exclusions and what is actually covered by the policy...
Similar Editorial : Acai Berries Where To Buy by Pete Roberts. | Source : How To Handle Finances Pg. 96

Why Having A Budget Is The First Step To Getting Out Of Debt
Sometimes people ask me why I worry about money and I say I always like to be prepared because you never know what may happen...
Similar Editorial : Acai Berries Where To Buy by Pete Roberts. | Source : How To Handle Finances Pg. 385

10 Tips To Help You Get Out Of Debt
Dont apply for new credit, get a payday loan or cash advance. Following these 10 tips will help you get out of debt and be on your way to a debt-free life...
Similar Editorial : Acai Berries Where To Buy by Pete Roberts. | Source : How To Handle Finances Pg. 386

Understanding Credit Scoring
The best way to understand your credit score is to do research and read the information that is provided when you order your credit report...
Similar Editorial : Acai Berries Where To Buy by Pete Roberts. | Source : How To Handle Finances Pg. 387

Why You Need An Emergency Fund
An emergency fund is the first step to getting out of and staying out of debt...
Similar Editorial : Acai Berries Where To Buy by Pete Roberts. | Source : How To Handle Finances Pg. 388

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