If your credit score has fallen recently, due to a missed payment or two, or perhaps you have too much credit outstanding, there are some simple ways you can improve on your credit score that will get it back on the right track. Doing a combination of several of these could see your credit score rise significantly in just the next few months — and that goes for your credit score at each credit repository.
Debt Help
Should You Use Your Emergency Savings to Pay Off Debt?
This past year our family experienced more medical expenses than planned. Nevertheless, we made it through the year just fine. I was thankful we didn’t end up accumulating any credit card debt. I know that can’t be the case for everyone . . . so should you use your emergency fund to pay off debt?
Is it OK for a Christian to Settle a Debt for Less than the Amount Owed?
Given the state of the economy over the past few years, many people have debts they can no longer pay. One of the ways those debts are settled is through negotiations that end with the debtor satisfying the debt by paying less than the full amount owed. We are required by our faith to pay our obligations, and settling a debt for less than the amount owed can seem un-Christ-like. What should you do in such situations?
How to Remove a Cosigner from a Student Loan
When I was going through the process of getting a student loan for my first year at college — I thought little of the fact that my dad stepped in to cosign my student loan. I now have a greater understanding of the risk he was taking by cosigning. If I failed to come through on my repayment of that loan, he could have been saddled with the debt. How do you remove someone as a cosigner? Here are the answers.
Get Out of Debt: 20 Things You Can Sell To Pay Down Debt
Time to get out of debt. Time to not only make a budget, but time to sell something! What should you sell? Here are 20 ideas of things you can sell or downgrade in order to get your debt payment going.
Making Sacrifices to Get Out of Debt
This article focuses on the sacrifices that need to be made in order to get out of debt. The most important thing to remember about these sacrifices is that they are ONLY TEMPORARY!
8 Tips for Dealing with Bill Collectors
If you have ever been on the receiving end of menacing phone calls from a bill collector, the title of this article probably spiked your blood pressure. Yes, this is a stressful experience, but it doesn’t have to be a nightmare. These tips will help.
Success Story: Tithing and Paying Off A House In 5 Years
In 2005 I began tithing regularly. I got introduced to the concept that all things belong to God and I am merely a steward. At the time I had been renting an apartment for two years and finally I decided to get a place to my own. I turned 30 that year and somehow my life’s priorities were changing both in the material and spiritual sense…
