Personal Finance Articles

Credit Card Payments on the Rise
If your credit cards are not already under a debt management or debt settlement program, you could be in for an unpleasant surprise in the coming months.

Gas or Bills
An alarming trend is starting to rear its ugly head as millions of Americans have to make the tough decision of whether to pay their bills or fill up their cars with gas

Credit Card Debt is Spiraling Out of Control
For the average American family, debt, and especially credit card debt is spiraling out of control at a record pace.

How to Choose a Credit Counseling Agency
If you are knee deep in debt and unable to pay your bills, credit counseling can be a financial lifesaver.

Ten Warning signs of Financial Trouble
Do you make only minimum payments on your credit cards and other revolving accounts?

Payday Loans = Costly Cash
The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans - which come at a very high price.

Cosigning a Loan
What would you do if a friend or relative asked you to cosign a loan? Before you answer, make sure you understand what cosigning involves.

The Truth About Advance-Fee Loan Scams
The vast majority of lenders are owned and managed by legitimate professionals but fraudulent loan brokers and other individuals misrepresenting the availability of credit and credit terms definitely are in business.

Debt Management Misconceptions
There is a big misconception regarding what is reported to the credit bureaus while you are on a debt management program.

Balance Your Checkbook - A Vital Habit to Develop
Bounced checks can have an adverse effect on your credit score, depending on the reporting policies of the financial institution involved.

Understanding Your Credit card Statement
Have you ever looked at your credit card statement and ended up just scratching your head in frustration?