5 Reasons To Shred Your Credit Cards And Forget Them!

Why you should consider paying off, and closing your credit card accounts, and then shredding your credit cards.

Should You Close A Paid Off Credit Card Account?

Some things to think about with regard to keeping paid off credit card accounts open or closed.

Are Freebies And Free Services Really Free?

I love free stuff... to a certain degree. But I also think you should be aware of what those free things will really cost you. Here are some ripoffs to watch out for...

How To Pay Off Old Bills While Raising Your Credit Score Using The 'Pay For Delete' Method

Here's how to pay off your bills and boost your credit score at the same time... there is a little-known way to do this. It's called the 'pay for delete' method of paying off debts.

Consumer Credit Counseling Service: Can Credit Counselors Really Help You Get Out Of Debt?

Credit counselors help consumers manage -- and ultimately lower -- their debt. They promise to negotiate with debtors, create payment plans, and lower the interest rates of people in debt. Their ultimate goal is to eliminate your debt. Credit counseling can be good... so good, it's even mandatory in some situations -- like before you can file for bankruptcy.

IMPORTANT: Do You Know The Difference Between A FACO Score (Or FAKO Score) vs A FICO Score?

Some companies look at FACO scores rather than FICO scores, but most use a FICO score. If you're paying for a credit report to learn what your credit score it, make sure you're getting a FICO score! Here's the scoop...

Debt Collection Help: Tips For Dealing With Debt Collectors & Debt Collection Agencies

If you're looking for some debt collection help, including tips for dealing with debt collectors who are harassing you, start here. These tips will help put an end to all the phone calls from debt collection agencies, and put you back in control of your past-due bills.

Choosing Between A High Credit Score And Being Debt Free

Here's why it's worth it to let your credit score suffer a bit while you dig yourself out from under the weight of too much debt. It's best to worry about your credit score later.

Can You Really Get A Credit Report For Free?

I started hearing reports that FreeCreditReport.com is not as free as the commercials say. So I decided to investigate the claims for myself. According to the Federal Trade Commission, there is only ONE true way to get a free credit report...

Debt Consolidation vs Credit Counseling vs Bankruptcy

Hearing about Ivan's financial situation on NBC's Today Show made me flash back to my own college days when I, too, was in debt up to my ears. Jean Chantzky's recommendation for Ivan was basically to try credit counseling. Here's why, plus what to look for when you're trying to find a reputable credit counseling company...