Can Job Hopping Affect Your Credit Scores?

Can Job Hopping Affect Your Credit Scores?

Many people are beginning to realize how important it is to keep tabs on their credit scores. There are many factors influencing your credit score and the more you know about them the better prepared you can be to deal with them. Today we are going to look at an […]

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Your Business Is Struggling with Debt? Consider Your Options For a Fresh Start When Filing for Bankruptcy

Your Business Is Struggling with Debt? Consider Your Options For a Fresh Start When Filing for Bankruptcy

The idea of filing bankruptcy may be scary. For many people, they may fear that taking such an action will be admitting failure, or that it will negatively affect their credit rating on a permanent basis. Neither of those fears are based in fact. In fact, bankruptcy laws were enacted to help […]

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Improving Credit Helps Small Business Owners Succeed

Improving Credit Helps Small Business Owners Succeed

Credit history continues to be the largest obstacle in preventing small business owners from receiving a business loan. Considering that undercapitalization contributes to approximately 80% of new business failures, overcoming this obstacle is paramount. In order to have access to capital there are a few simple steps that you can […]

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Workable Ways to Get Out of Debt

Workable Ways to Get Out of Debt

According to American Debt Advisor, around 80% of the population is in debt. If we exclude secured debt, car and home loans, there is still around 50% of the population carrying debt, some of it in the amount of tens of thousands of dollars. And these statistics are mirrored around […]

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Filing For Bankruptcy: When The Means Test Becomes An Issue

Filing For Bankruptcy: When The Means Test Becomes An Issue

After staring at your financial records for hours on end, you are finally prepared to face the truth. Your considerable financial debts have not been assuaged by the budgeting acrobatics you have attempted to employ during the past few months. The burden of debt still looms, just as dark and […]

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Understanding Debt Settlement to Avoid Scams

Understanding Debt Settlement to Avoid Scams

Sometimes there are alternatives to bankruptcy, and depending on your particular situation one of those is debt settlement. Debt Settlement is a way of working with your creditors and debt collectors to settle your outstanding debts for less than the amount that you owe. Depending on the amount of money you […]

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Rebuilding Credit after Bankruptcy

Rebuilding Credit after Bankruptcy

Filing bankruptcy provides an opportunity for a fresh financial start; the psychological benefits of a debt-free existence are immense. But, it also has its downsides in that it totally kills your credit. This black mark will remain on your credit report for many years to come. While you will not […]

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Understanding the Basics of Personal Bankruptcy

Understanding the Basics of Personal Bankruptcy

Bankruptcy is a legal process whereby a debtor obtains a "fresh start" from his or her creditors. The United States Constitution grants Congress the exclusive power to make bankruptcy laws. This means that even though most business disputes, such as breach of contract, are governed by the laws of a […]

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Is It Better to Invest or Pay Off Debt?

Is It Better to Invest or Pay Off Debt?

Most people are in debt for most of their life. This debt takes over their finances every single month of every single year. Over the course of these people's lives, they find themselves always paying out to debt, and never really making a plan on how they will be able […]

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How Credit Card Statement Reminds You Are in Debt

How Credit Card Statement Reminds You Are in Debt

The credit card companies are making smart money since long. They have a little odd way of showing that they want customers to be debt free. They will always try that their customers make use of more and more of their credit limit and they can make huge profit on […]

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How to Safely Manage a Clothing Account

How to Safely Manage a Clothing Account

If managed correctly, a clothing account can be very helpful. Who doesn't love the idea of shopping for clothes even when you don't have money? However, as with all forms of credit, a clothing account can have its dark side. Here are some tips to manage your account responsibly, while still […]

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The Advantages of Opening a Clothing Account

The Advantages of Opening a Clothing Account

You've probably heard of horror stories of spendthrift shoppers falling into arrears on their clothing accounts, and ending up having to pay dearly months or even years later just for what started out as just one pair of shoes. However, clothing accounts, if used responsibly, can actually be a great […]

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