How To Build A Credit History

If you have no reported credit history lenders are likely to consider you "high risk". This is because there is no past record for them to look back on. It's kind of like applying for a job.

Creditor Harassment

Are creditors hounding you? Then you should know that there are laws in place to protect you from unnecessary harassment and embarrassment.

Personal Bankruptcy

Bankruptcy is a legal process that gives people who can't pay their bills a chance to start over. In general, bankruptcy should only be considered as a last result as it is a major step that will impact many aspects of your life.

Debt Reduction Settlements

In a debt reduction settlement both the debtor and the creditor agree to settle a debt for less than what is actually owed. This can quickly reduce the consumer's debt since settlements can sometimes be for as little as 20% of the original debt.

Debt Consolidation Loans

A debt consolidation loan is often the best choice for consumers who have a lot of debt but are still financially sound. In fact, a debt consolidation loan may save consumers money if most of their debt is high-interest.

Privacy Rights

This privacy rights clearinghouse site has a lot of important information.

Building A Better Credit Record

The information you need to know about building a credit record

Dealing with Debt

Tips on what you should do when dealing with debt.

Online Credit Report

This site talks about ways to monitor your credit and find credit fraud.