Beat Debt

Does Paying Charges Off Raise Your Credit Score?

By Charlie Rainer Gaston

Debt for most adults is unavoidable. From auto loans to credit cards to mortgage loans, debt is easy to accumulate. Unfortunately, many consumers are not sure how this debt and the payments that are required to satisfy them will affect their credit score. If you want to know what you should do about a charge on a credit card and how you can arrange your payments so that the debt works in your...

How Do I Raise My Credit Score 100 Points?

By Ryan Bauer

A good credit score is required to finance items like a new car, a mortgage, medical procedures, and even new furniture or appliances for your home. If your credit score isn't high enough, you may not even qualify for these loans in the first place; but if you do, you will pay much less in interest if you have a higher credit score. Raising your credit score by 100 points will ensure that...

How to Get Your Child's Credit Report

By Amanda Morin

Scary as it may sound, one out of every five reports of identity theft to the Federal Trade Commission involve a minor. That means that many children have a bad credit rating before they are even legally allowed to have credit. If your child's Social Security number may have been stolen, either through the unfortunate loss of a wallet or by an unscrupulous adult with access to the...

Reverse Mortgage Tax Effect

By Isabel Prontes

Reverse mortgages are helpful for homeowners who are looking for money to add to their retirement fund, pay for home repairs and improvements, finish paying off an existing mortgage or pay for medical expenses. Elderly people taking out reverse mortgages to cover these costs. Reverse mortgages help people use their home equity to receive cash amounts for things they need. Many people wonder if...

Where to Get a Guaranteed Acceptance Personal Loan

By Valencia Higuera

Qualifying for a traditional bank loan isn't easy. Banks and credit unions adhere to specific guidelines, and to obtain a loan, you have to meet their lending requirements. However, there is a way to obtain a loan with no credit history, bad credit and no collateral. Several loan companies offer guaranteed acceptance personal loans, or cash advance loans. Although these loans are simple to...

Bankruptcy Versus Debt Negotiation

By Bill Herrfeldt

At some point in many people's lives, there will be month left at the end of the money. They find themselves unable to pay their debts, either because of a lost job or some other financial problem, and they ponder whether they should file bankruptcy. Or they look for ways to get out from under this financial burden by seeking out someone who can negotiate their debts to a more manageable...