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| Bankruptcy |
| Negotiations with creditors have failed. Repossession is imminent and foreclosure proceedings have begun. Your income is simply not ..... |
| Bookkeeping Made Simple |
| Please don't think I am calling you a "moron" to hurt your feelings in any way. I ..... |
| Choosing A Bank |
| It is important to select the right bank. Do NOT choose any bank -- be fussy! There are two main objectives to seek when searching for a new bank ..... |
| Choosing And Using Credit Cards |
| Federal Trade Commission - February 1993
Shop around for credit card terms that are best for you.
Make sure you understand the ..... |
| Complaining About Credit |
| Complaining to Federal Enforcement Agencies:
First try to solve your problem directly with a creditor. Only if ..... |
| Consumer Handbook To Credit Protection Laws (Part 1) |
| Board of Governors of the Federal Reserve System
Introduction
The Consumer Credit Protection Act of ..... |
| Consumer Handbook To Credit Protection Laws (Part 2) |
| Costs of Settlement on a House
A house is probably the single largest credit purchase for most consumers--and one of the ..... |
| Consumer Handbook To Credit Protection Laws (Part 3) |
| If You're Turned Down
Remember, your gender or race may not be used to discourage you from applying for a ..... |
| Consumer Handbook To Credit Protection Laws (Part 4) |
| Defective Goods or Services
Your new sofa arrives with only three legs. You try to return it; no luck. You ask the merchant to repair ..... |
| Consumer Handbook To Credit Protection Laws (Part 5) |
| What About Solicitations?
A financial institution may send you an EFT card that is VALID FOR USE only if you ask for one, or to replace or renew an ..... |
| Consumer Rights |
| The FCRA grants you a number of important rights, including:
The right to know what ..... |
| Credit Card Game |
| Some banks are eliminating the standard 25 or 30-day grace period within which you may pay your bill within being ..... |
| Credit Card Insights |
| The cards we are going to discus here are the MasterCard and Visa only. Banks and Savings & Loans issue ..... |
| Credit Dictionary |
| Accounts Receivable: credit extended by any person or company to another (normally unsecured) with ..... |
| Credit Letters |
| Letter No. 1
Date
Your Name
Your Address
Your Social Security ..... |
| Credit Repair Companies |
| Some credit repair firms are easy to spot; others can be more difficult to identify ..... |
| Cut Costs And Increase Profits |
| 1. Buy frequently used products in bulk.
2. Whenever possible, fax it before you discuss
3. Purchase a fax switch and remove the ..... |
| Divorce And Credit |
| The credit and money-related problems that can accompany a divorce used to primarily affect ..... |
| Establish AAA Credit In 30 Days |
| To work this plan you need at least $400 to begin. You should borrow this from your friends if necessary. Then go to a bank of ..... |
| Fair Debt Collection |
| FTC, August 1996
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a 'debtor.' If ..... |
| Federal Credit Laws |
| The Fair Credit Reporting Act of 1971:
(a) Gives you the right to know what information is held ..... |
| Federal/State Credit Laws |
| Federal Laws Concerning Credit
The Fair Credit Reporting Act (FCRA)
Guarantees your rights ..... |
| Free Government Grants |
| Anyone thinking about going into business for themselves, or wanting to expand an existing ..... |
| Good Credit Rating |
| Learning How To Get Connected With Good Credit:
Obtaining credit can be incredibly easy or extremely ..... |
| How Pawn Shops Work |
| A pawnbroker makes loans on personal property left as collateral. The property can be redeemed when ..... |
| How To Accomplish Anything You Want In Life (Part 1) |
| Take a look at yourself - inside and out. Where do you live, what job do you have, how ..... |
| How To Accomplish Anything You Want In Life (Part 2) |
| Success In Business
Perhaps the most sought-after goal in our present society is success in ..... |
| How To Achieve Wealth The Easy Way |
| There are so many sure-fire, yet really simply ways to acquire real wealth, it's a ..... |
| How To Collect Business Debts (Part 1) |
| by Jim Heath
This document tells you what debt-collection methods there are, how well they work, and how to choose which to use. You're in for ..... |
| How To Collect Business Debts (Part 2) |
| Big Debts Owed By Individuals
1. You can try steps 1 to 3 above. But don't let too much time go by doing that. Instead, go straight to.. ..... |
| How To Dispute Credit Report Errors |
| FTC - April 1996
Your credit report contains information about where you work and live and how you pay your bills. It also may show whether ..... |
| How To Get Free Rent |
| You can get free rent through one of three methods:
1) Manage an apartment.
2) ..... |
| How To Make Big Money With Your Own Business Financing Service (Part 1) |
| If you've been wanting to get into something that doesn't require all of your time, yet could give you an income of $100,000 per year or more, a ..... |
| How To Make Big Money With Your Own Business Financing Service (Part 2) |
| Thus it's absolutely essential that you learn to qualify your would-be borrower before you get too ..... |
| How To Pay Down Your Debt |
| Paying down debt is an art. When you are stuck with high interest rates and you are
making minimum payments, you can pay ..... |
| How To Obtain An $800 Loan By Mail - Interest Free! |
| If you are like most of us, then sometime or another, you will probably need to obtain a loan. If you can obtain one ..... |
| If Someone Owes You Money |
| If you are owed money and have not received any payment over a reasonable period of time, there are several steps you can ..... |
| Improve Your Credit By Paying Bills Later Rather Than Sooner |
| Every business will get to the point where suppliers will offer terms on bills, rather than requiring payment up ..... |
| Is It Ethical To Try And Remove Legitimate Bad Credit? |
| Yes! One of the best explanations of that is the following article written by Jayson Orvis, Attorney At Law:
"Credit Repair" has ..... |
| Legal Ways To Get The Bill Collectors Off Your Back |
| Sometimes, the formal and legal declaration of personal bankruptcy is the best way to go when you're "snowed under" ..... |
| Managing Your Debts: How To Regain Financial Health |
| Can't pay your bills? You're not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial ..... |
| Nine Ways To Lower Your Auto Insurance Costs |
| You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance ..... |
| Ready, Set...Credit |
| A credit card is a great financial tool. It can be more convenient to use and carry than cash and it offers valuable ..... |
| Save Money |
| Consumer Literacy Consortium
Transportation
Airline Fares
1. You can lower the price of a roundtrip air fare by as much as two-thirds by ..... |
| Scoring For Credit |
| FTC, October 1993
How does a creditor decide whether to lend you money for such things as ..... |
| Secrets Of The Richest People (Part 1) |
| Would you like to realize your goals? Maybe you'd like to run your own business, expand your material possessions, or ..... |
| Secrets Of The Richest People (Part 2) |
| Work Towards Your Goal
"To get profit without risk, experience without danger, and reward without work, is as impossible as it is to live ..... |
| Signature Loans |
| Here is another passport to success in taking advantage of a good deal or profitable transaction ..... |
| Six Credit Card Secrets Banks Don't Want You To Know |
| Source: Massachusetts Executive Office of Consumer Affairs and Business Regulation
1. Interest Backdating
Most card issuers charge interest from ..... |
| SkipTracing |
| The debt collector is very good at using all the information at their disposal ..... |
| Solving Credit Problems |
| If you are having problems getting credit or paying your monthly bills, you may be tempted to turn to businesses that advertise ..... |
| Stop Collection Agencies In Their Tracks! |
| Contributed By John Reece:
You have the right to STOP collection agencies from ever writing or calling you again. The ..... |
| Structure Of Social Security Numbers |
| A Social Security Number (SSN) consists of nine digits, commonly written as three fields separated by hyphens: AAA-GG-SSSS. The first three-digit ..... |
| Sure-Fire Methods Of Raising Instant Cash |
| The inability to come up with the necessary cash when suddenly presented with a ..... |
| Tele-Terrorists |
| Don't ever allow tele-terrorists to bully you. The only way debt collectors that ..... |
| The Credit System (Part 1) |
| By John J. Hawk, Sr.
A few words from the author
It's sad but true. A large percentage of Americans suffer from a blemish on their credit ..... |
| The Credit System (Part 2) |
| The Credit Bureau System
Note that the credit bureaus are private, not ..... |
| The Credit System (Part 3) |
| Steps to Dispute:
Get your credit report.
Review your credit report.
Decide which items you want to dispute.
Write letters ..... |
| The Credit System (Part 4) |
| Five Steps To Obtaining A1 Credit:
Now that you understand the basics of what credit is, and why it is so ..... |
| The Credit System (Part 5) |
| Credit Scoring System:
(This is a sample of the system of a major bank.)
Factors_________ ..... |
| The Free Credit Card Trap |
| They arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you ..... |
| The Inside Secrets Of Credit Repair |
| The information on this disk has saved many people a lot of money. This disk is a guide to repairing your credit. Even if you have A-1 credit, ..... |
| The Lure Of Bankruptcy |
| Here is a true story about bankruptcy, and the advantages it offers. A husband and wife team of ..... |
| The Secrets Of Credit Repair (Part 1) |
| A Consumer Guide to Real Credit Repair
Lexington Law Firms
Chapter One: The Secrets Of ..... |
| The Secrets Of Credit Repair (Part 2) |
| If you're not willing to wait, you may take these steps:
Step One. First, you must find out which credit inquiries are getting ..... |
| The Secrets Of Credit Repair (Part 3) |
| Organizing Yourself
As soon as you have ordered your credit reports and copied your order letters and checks, you must create a precise ..... |
| The Solution To Bad Credit (Part 1) |
| There's only one way that people are freeing themselves from the shackles of bad credit and that is to create a new ..... |
| The Solution To Bad Credit (Part 2) |
| Creating the New Credit File
Once that you have decided what name and personal information you want to ..... |
| Using Credit Cards |
| INTRODUCTION:
SHOP. Smart consumers do comparison shopping when looking for credit such as a mortgage ..... |
| Wipe Out Debt |
| In 1938 a federal law was passed known as the Wage Earner Plan. It is administered by the same branch of our courts that ..... |
| Women And Credit I |
| Many women complain about not having any credit. Those complaining are those who REALIZE that they do not have credit, single women or ..... |
| Women And Credit II |
| To avoid credit problems, it is imperative that all women educate themselves about credit and money management and establish and maintain their own ..... |
| Your Consumer Rights |
| Consumer credit reporting agencies (CRAs) collect credit information on you from banks, ..... |
