tag:blogger.com,1999:blog-87432802948884682942011-12-21T20:48:39.542-08:00Welcome to this free Credit and Debt solutions weblog.There are solutions for all Credit and Debt problems.I am here to help and dispense free advice.This however is not a substitute for legal advice.Dons214http://www.blogger.com/profile/14913344784924229081noreply@blogger.comBlogger51100tag:blogger.com,1999:blog-8743280294888468294.post-58775580457640843692007-06-06T13:22:00.000-07:002007-06-06T13:48:39.589-07:00

If you have not paid your bills in a timely manner it may very well be that the next phone call you recieve will be from a debt collector.There are several types of debt collectors.Let's take a look at some of the debt collectors that may be calling you.The first kind would most likely be an in-house debt collector.If it is at all possible this is who you would prefer to deal with.The in-house

Dons214http://www.blogger.com/profile/14913344784924229081noreply@blogger.com5tag:blogger.com,1999:blog-8743280294888468294.post-37389855594212124932007-05-28T18:34:00.000-07:002007-05-28T19:00:39.863-07:00

Whether you received a rate reduction from your credit card company or not, it's time to look at your spending. I find most extra expenses are simply necessities that are being put on credit, either out of habit or because cash is tight.In either case these are the first things that should be looked at.Most people will say look at your frivolous spending, or spending on big ticket items. I leave

Dons214http://www.blogger.com/profile/14913344784924229081noreply@blogger.com2tag:blogger.com,1999:blog-8743280294888468294.post-19627165207712246872007-05-26T08:02:00.000-07:002007-05-26T08:20:29.936-07:00

So if you have followed my advice so far you are looking at your total debt due.Also you now see your interest rates on your account(s).If you are like me not many days go by where you don't receive at least two or three offers for balance transfer rates that look great. WAIT!!! Don't go running for that great looking offer.The first thing you should do is call your present creditors and ask for

Dons214http://www.blogger.com/profile/14913344784924229081noreply@blogger.com2tag:blogger.com,1999:blog-8743280294888468294.post-74597900806376531422007-05-24T16:52:00.000-07:002007-05-24T20:57:42.156-07:00

So, how do I fix my bad credit? It's a question people ask me all the time. The first step is to order your credit report and score,BY MAIL!! this way you can assess the damage. Don't worry about looking at the information on your report it won't hurt. It may be upsetting, but at least you will have a clear picture of where you stand. While you're waiting for the credit report, it's time to look

Dons214http://www.blogger.com/profile/14913344784924229081noreply@blogger.com0tag:blogger.com,1999:blog-8743280294888468294.post-42233575048447541902007-05-24T12:49:00.000-07:002007-05-24T16:50:44.183-07:00

How would you like to guess the first mistake most people make when wanting to get their credit score and credit report....You ready for the answer??It may surprise you...They order it online.Now you may be saying to yourself, but that's the fastest way. Yes it is, but it's also in most cases the wrong way especially if you have bad credit. When you receive a copy of your credit report and score

Dons214http://www.blogger.com/profile/14913344784924229081noreply@blogger.com1