Credit Help for Real Estate Financing: Five Categories of Your Credit Score (July 23 2007)         - claim this article

1. Payment History -- 35%

The number of accounts paid as agreed and a good payment history give you a higher score.

Navigation After Financial Closure - Bankruptcy Personal Loans (July 23 2007)         - claim this article

Bankruptcy has a stigma attached to it that is hard to eradicate. Is that what you really think, then you need to rethink. Just because you have filed for bankruptcy does not mean you do not have a right to a solid financial status again. Bankruptcy is as much deserving of a personal loan for refinancing, consolidation of debts, mortgaging or any kind of personal loans. However there is no doubt bankruptcy is not the most wanted thing on your credit report. The aftermaths of bankruptcy are many and they can stay to as long as ten years. But still the changing trends have given way to a more lithe and sympathetic approach towards bankruptcy personal loans.

Debt Consolidation: A Way Out? (July 23 2007)         - claim this article

When you are living paycheck to paycheck and it seems everyone is getting a piece of the pie except for you, debt consolidation may help you free up a little bit of cash each month. Debt consolidation is usually a great option if you are paying several minimum payments per month on high interest credit cards or loans. If you are behind on any payments, debt consolidation may save your credit, or at least clean it up a bit.

Liquidity or Liquidation (July 23 2007)         - claim this article

Large parts of the world today suffer from a severe liquidity crisis. The famed globalization of the capital markets seems to confine itself, ever more, to the richer parts, the more liquid exchanges, the more affluent geopolitical neighbourhoods. The fad of "emerging economies" has all but died out. Try telling the Macedonians about global capital markets: last year, the whole world invested 8 million USD in their poor country. Breadwinners earn 300 DM a month on average. Officially, in excess of one third of the workforce is unemployed. Small wonder that people do not pay their bills, employers do not pay salaries, the banking system has a marked tendency to crash every now and then and the average real default rate is 50%.

Car Loans After Bankruptcy - Tips to Getting Approved (July 23 2007)         - claim this article

A car loans after a bankruptcy is one way to help build back your credit history. In fact, once your bankruptcy closes, you can apply for a car loan the next day. To get approved with the best rates for your car loan, follow these tips.

What is Credit Scoring? (July 23 2007)         - claim this article

Have you ever wondered what is credit scoring? Credit scoring is a system creditors use to help determine whether or not to give you credit.

Debt Settlement (July 23 2007)         - claim this article

What is debt settlement?

Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay. The reduction is usually between 30-60% of the total original debt amount.

Take Careful Consideration Before Filing Bankruptcy (July 23 2007)         - claim this article

Filing bankruptcy is not fun! It is a last resort if you are interested in keeping an active and acceptable credit report. Bankruptcy is the condition of bringing all your assets and deficiencies into an insolvent state. It is a state of financial loss, where your debts are canceled and it will remain on you credit report for seven years. A creditor or mortgage company will generally not lend money with an active bankruptcy on your report.

Bankruptcy - The New Scarlet Letter (July 23 2007)         - claim this article

Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2, "On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, appeared the letter A." The letter A stood for the word adulterer and represented one of the worst insults in society. One would have thought that today we are a lot more civilized than 200 years ago, but unfortunately it is not true. Society has abolished the letter A alright, but it has latched onto a new one, the letter B, which stands for bankruptcy. People do not see it on their chest and think it does not affect them, but it does. Bankruptcy is as insulting and as damaging to one's financial, emotional, mental, and even physical well- being as any major failure or stigma.

Bankruptcy 101 (July 23 2007)         - claim this article

Bankruptcy still remains a mystery in the eyes of many consumers. This article will review the facts of bankruptcy as per written law.

Don't Buy Worldcom! A Guide to Wise Bottom Fishing (July 23 2007)         - claim this article

Over the past few months, several investment professionals have brought up the topic of the down-and-out company of the day and whether to buy now as a speculation. Last year, K-Mart was the big news, and everyone wanted to know whether this was a good stock play. Today the news is focused on WorldCom and its downfall. Thus, some people are pondering this stock for quick profit potential.

Credit Card Debt & the Unfairness of the Universal Default Clause (July 23 2007)         - claim this article

Let's look at a real world example: A woman purchased a new $4,000 large screen TV a few months ago based on the knowledge her monthly payment was going to be $175, and based on the 9% interest rate charged by her credit card company. For five months straight she made all her payments on time, but in the fifth month she was late paying her mortgage bill, for reasons unknown. She found out a month or two later that her credit card company doubled her interest rate to 18%, thus increasing the payment for the TV to about $190 per month. Even though she was never late on any other payments, she found most of her other credit cards raised their interest rates as well. Even her car insurance company raised their rates. The net effect was she ended up paying nearly $200 per month more because she was late on a single mortgage payment.

10 Tips for Sensible Living (July 23 2007)         - claim this article

Here are a few suggestions that I try to put into practice in my own life...

1) Live within your means - Sooner or later, nearly everybody has to learn to be content with what they've got. President Bush just signed a tough new set of laws which will restrict who can file for bankruptcy. You don't want to fall into that category. This means not only making more money than you spend, but also putting some of that hard-earned green away for emergencies. I suggest having enough liquid assets at your disposal to live for six months without any income. Start at the top...Do you have a $30,000/year job, and own a $300,000 house? Sell it and buy a smaller one. How about that car? Over $15,000? New flat screen plasma TV? Fishing Boat? Give yourself a break and ease your financial stress by cutting out anything that wrecks the budget. Do it now.

Credit Repair? It's All Up to You (July 23 2007)         - claim this article

Log onto to a search engine such as google.com and type in the term credit repair. It's likely that Google will return more than 25 pages of listings, many of which will be companies claiming they can "erase bad credit," "create a new credit identity legally," " credit problems no problem." "quick credit repair," and on and on.

When The Going Gets Tough -- The Tough Keep Going (July 23 2007)         - claim this article

If you've been in a job search for more than a few weeks you may be experiencing the feelings of defeat and despair, not to mention the urge to give up. It's been a tough year, and then some, for those who have lost jobs for whatever reason. Interviewing with no second interviews or offers coming in begins to wear thin - very fast.

Filing a Simple Bankruptcy (July 23 2007)         - claim this article

We all know times are tough and, for some of us, bills are getting harder to pay each month. If the debts you owe are more than what you can afford, you should read on.

IVA: Individual Voluntary Arrangement (July 23 2007)         - claim this article

What Is an IVA

The IVA (Individual Voluntary Arrangement) was introduced by The Insolvency Act of 1986 as an alternative to bankruptcy which benefits both the debtor and the creditor. An IVA enables people facing financial difficulties to come to a formal agreement with their creditors rather than having to face bankruptcy.

Mental Fitness For Confidence And Winning In Life (July 23 2007)         - claim this article

Studies show that men and women profit most with having self-confidence and by building up their psychological strength.

Credit Repair - Understanding The Basics (July 23 2007)         - claim this article

What is Credit?

Credit means that you are using someone else's money to pay for things. It also means that you are making a promise to repay the money to the person or company that loaned you the money.

How to Spot and Avoid Predatory Lending (July 23 2007)         - claim this article

Predatory lenders promise loans that are "too good to be true" and pressure borrowers to take them on the spot. Here's a few things you or your family and friends should know about spotting and avoid predatory loans: