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Are you thinking about paying for credit repair? Considering hiring a credit lawyer, clinic or company? Have you finally grown tired of paying MORE for less, and being treated like a second class citizen to boot?

The truth is, I don’t blame you. And the good news, LEGAL credit restoration DOES work, it does work relatively fast, and it can radically change your life, and your financial future in a hurry.

But, there are a few simple but very important considerations every consumer who has a low credit score SHOULD be aware of, straight away.

1 – You CAN fix your credit by yourself if you choose. You

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Tags: Credit, Credit Understand

In 2010, the Federal Trade Commission (FTC) — the agency charged with enforcing the Fair Debt Collection Practices Act (FDCPA), federal legislation that prohibits debt collection agencies from using deceptive, abusive or unfair practices — received over 140,000 complaints related to debt collectors. Despite this rather vast number of complaints, however, it appears that debt collection agencies are continuing to prey upon consumers in need of debt relief.

In fact, it appears that more and more of these agencies are turning to an alternative method of debt collection that is perhaps far more insidious than harassing phone calls or persistent correspondence.

Specifically, certain debt collection agencies are purchasing debts from companies and filing a lawsuit against the debtor to collect the money owed.

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Tags: Debt, Debt Collectors

If you still haven’t finished your holiday shopping, you’re probably rushing to take care of last minute gifts. You’re far from alone. But in that rush to get things finished, you may overlook some things related to credit card transactions.

Here are three tips for those last minute shoppers who plan to use their credit cards for any of their further holiday shopping.

1. If a deal seems too good to be true, don’t give out your credit card details.

You can find amazing deals this time of year. But sometimes a deal seems too good to be true. In some cases, they are. If something feels even slightly shady (from a television ad or telemarketing call to an offer you’ve received in your email), run.

Don’t give anyone your credit card information if there’s a possibility the offer is a scam. Stick with co

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Tags: Holiday Shopping, Last Minute, Shopping