How Credit Repair Software Works (Guest Post)
Repairing credit can be an involved process for those who don’t know how the credit reporting bureaus work. You can automate many repair and dispute tasks with credit repair software. Enterprise-level credit repair programs work differently from software meant for regular consumers. The main point is to remove as many manual steps in the process as possible, so that as much of it as possible happens automatically, which saves you money.
Consumer Features
At its very basic level, consumer software will have a customer enter information from their credit report and then generate dispute letters for individual report items that the customer wishes to have taken off of their report by the credit rating bureaus.
Figuring Out the Best Debt Relief Option (Guest Post)
When you’re looking at al the debt relief options available, you can easily become overwhelmed trying to decide which is the best for you. There’s credit counseling, debt consolidation, debt settlement, and of course, you can pay your debt off on your own. You can call up a few companies and interview them about the solutions you offer, but that could take several hours a day. An alternative is to use a simply debt planner calculator, like the one from CNN Money, to figure out the best way to get out of debt.
I Pulled My Credit Report…Oops
It is usually a good thing in the personal finance world when you pull your credit report so why am I mad that I pulled mine this time? Well I was not thinking clearly when I went to annualcreditreport.com and pulled TWO reports on the same date.
I am now left with only one report that I can pull for the rest of the year and we still have TEN months left!!!! A friend of mine recently had his identity breached, with someone trying to open multiple accounts using his information. This had me spooked and pulled out my spreadsheet of credit report requests only to find out that I had not requested any official reports last year.
Tracking My Finances In 2011: April Week 2
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
Can You Live Without Debt Or Credit?
I saw this post over at My Money Tree blog and it got me thinking. Yes I can definitely live without debt or credit….but I don’t want to. Now that I am free of credit card debt I actually take joy in putting my purchases on my credit card, knowing that I earn 1%-3% interest on every purchase.
The writer says that people who purchase with credit cards are generally sending their money over to pay interest on those purchases…but this is not always the case and it certainly is not the case in my circumstances. I pay off my credit in card in full every month so I NEVER pay the credit card company any interest. I earn cash back on my purchases which I can get back
Get 1% Cash Back With Your ING Debit Card
Hello Money Savers!!!!!
I prefer to use my credit cards for all purchases but I also love ING accounts and I am sure that many of you do too. For those of you who prefer to use debit cards over credit cards ING now has an exciting offer.
From now until 30 November 2010 you can earn 1% cash back on all purchases under $50 when you use your debit card from your Electric checking account from ING.
Here are the terms and conditions taken from the website:
Tracking My Finances In 2010: August Week 2
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
Tracking My Finances In 2010: August Week 1
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
