In these difficult economic times, it’s common for people to live from paycheck to paycheck. They worry about dealing with debt collectors constantly. A workable budget seems unreal to them, and money for retirement is out of the question. When people find themselves in such a situation, there is help available. It may be time […]
Continue ReadingTag: Credit Counseling
How Credit Counseling Can Help You Get A Mortgage
We get asked this question almost every day “Can you get a mortgage if you’ve done credit counseling and are on a Debt Management Program (DMP)?” The short and sweet answer is “YES”! There are a few things that you need to consider though. Consumer credit counseling can get individuals with poor credit scores on […]
Continue Reading7 Reasons To Get Rid Of Your Credit Cards
If credit card companies had it their way, consumers would charge any and every purchase they make every single day of their lives. Unfortunately, that would only be fun until it came time to pay the enormous bill. While it can be difficult to resist temptation from time to time, there are a few excellent […]
Continue ReadingReasons Why You Might Not Join A Debt Management Program
We’ve been in business for over 50 years now (since June 17th, 1968) so we’ve heard about a million reasons why someone doesn’t want to sign up for a Debt Management Program even though they seem super interested and excited about it. The list includes a few common reasons such as: Monthly payments with Debt […]
Continue ReadingAdvantage CCS Teams Up with CardRates.com to Talk About Free Consumer Credit Counseling
Our very own Heather Murray, Manager of Regulatory Compliance and Education, recently spoke with Ashley Dull who is the Editor-in-Chief at www.CardRates.com about our holistic approach to tackling credit card debt and what our free consumer credit counseling can do to help people who are struggling with unsecured debt such as credit cards and medical […]
Continue ReadingHow To Deal With Negative Credit Report Information
Receiving a negative credit report can be devastating. A good credit score is essential for so many of the financial needs one has in life. A low score can affect the interest rates a person gets when taking out a loan, particularly for a house or car, it can raise insurance rates, and it can […]
Continue ReadingThe Best Way To Handle Payday Loan Debt
More than 12 million Americans take out payday loans every year, and a significant number of these advances go into default. It is estimated that borrowers pay more than nine billion dollars in loan fees and are more susceptible to suffering the snowball effect when accepting the terms of a short-term loan such as a […]
Continue ReadingCredit Scores and How They Came to Be
Prior to the creation of credit scores, financial institutions and lenders would often develop their own creditworthiness score to assess the risk of lending to that particular person. This “score” would vary significantly from one lender to the next. The major issue with this innovative method was that it was based solely on the lender’s […]
Continue ReadingThe Truth About Debt And Credit Counseling
How Did I End Up Here – If you were to write a story or song about your financial status would it leave people reaching for a box of tissues? If so, you’re not alone. Many people across America have found themselves struggling with credit card debt. Part of the problem is the ease at […]
Continue ReadingThe Remarkable Benefits of Credit and Bankruptcy Counseling
You’re in debt. Like many other people, you may not be exactly sure how you got here. Maybe you are a recent college graduate with an ample amount of student loans. Or maybe you’re a single parent who has just been laid off due to the difficult economic times and is having trouble making your […]
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