The word “budget” gets tossed around a lot, from the mom who tells her teen that a new gaming system is not “in the budget,” to the school officials who moan that “the annual budget was cut”. How to budget effectively, however, remains a mystery to many people. Their financial records are a bewildering jumble of […]
Continue ReadingAuthor: Lauralynn
Lauralynn is the Online Marketing Specialist for AdvantageCCS. She enjoys writing, reading, hiking, cooking, video games, sewing, and gardening. Lauralynn has a degree in Multimedia Technologies from Pittsburgh Technical College.
Do You Need Free Consumer Credit Counseling?
If you are in debt and owe a considerable amount of money to your creditors, you may be a good candidate for free consumer credit counseling. You shouldn’t have to worry about receiving continuous calls from collection agencies or how you’re going to be able to save for your eventual retirement. Credit counseling is available […]
Continue ReadingConsumer Credit Laws And What You Need To Know About Them
There are certain laws in place specifically meant to help consumers in terms of credit, debt, and the lending industry. The Consumer Credit Protection Act (CCPA) is a consumer credit law that was enacted in 1968 to ensure that consumers in the United States would receive only fair and honest credit practices. Some examples included […]
Continue ReadingWonderful Debt Management Tips for College Students
Before investing in a college education, many students ask themselves questions such as “How much should I spend on school?”, “How much should I borrow in loans?”, “How much student loan debt is too much?”, and “How can I attend school and keep my credit clean?” There is no one-size-fits-all answer to these types of […]
Continue ReadingDo You Need Help Building Your Credit Rating?
An individual’s credit rating is an important factor that significantly contributes to their financial well being. Whether an individual is applying for a loan or a new job, their credit rating will be evaluated and could be used for making a final decision. Given the major impact that a credit score has on a person’s […]
Continue ReadingA Comprehensive Glossary of Debt Terminology
There are many terms used when it comes to credit counseling, debt, debt collections, and debt relief. Knowing what the various terms mean can help when you’re trying to get your finances back on track. We’ve decided to create a debt terminology glossary for you to take the guesswork out of managing your finances! Here is a […]
Continue ReadingHow To Build A Strong Credit Score
Consumers who know the value of their credit score will work hard to maintain a great score from day one. Those who never learned the importance of their credit score might make financial mistakes that cause them to learn the hard way. Whether a person is building their credit score for the first time or […]
Continue ReadingChoose a Non-Profit Debt Management Solution
If you’re in a situation where you’re about to be forced into bankruptcy, or you’re already missing payments that affect your credit, a debt management solution is perhaps the only option. Those in this sort of situation should consider a non-profit debt management solution. Organizations are out there that exist purely to help those who […]
Continue ReadingInsufficient funds: Decline the transaction or pay an overdraft fee?
When looking to make purchases and payments on a regular basis, it’s important to make sure that you have enough money available. There are times when an individual doesn’t have enough money to make a purchase and therefore faces the dilemma of either spending more money than they have and paying a fee or not […]
Continue ReadingReasons Why Your Credit Score May Drop
Whether you need money to boost your business or meet your daily personal expenses, access to finance will play an important role in helping you get ahead. However, before you apply for financial assistance, you will need to establish whether you are eligible and if you qualify for the financing you need. Today, a good […]
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