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Free Content Library |
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Which credit cards look better on your credit report? (583 Words)
by Scott Bilker
I have been told that certain credit cards (e.g. Capital One, Cross Country, and others like those) do not carry a lot of weight on your credit report. I was always under the impression that all credit cards carried the same weight. What is the truth?
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Equity Used For Down Payment (418 Words)
by Scott Bilker
My husband and I want to buy a home being built in a new development. Our present home worth $260,000 has no mortgage except a $30,000 home equity loan. We need about $15,000 down payment for the home being built. Should we open a home-equity line of credit to pay the down payment? If not, where is the best place to get the $15,000?
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Consolidating credit cards to one account (518 Words)
by Scott Bilker
I am a recent college graduate and I have accumulated about $4,000.00 worth of debt spread out in 4 different credit card accounts. I would like to transfer all of the balances to an account with a lower APR to save money and to make monthly payments more convenient. The problem is that I have not been able to be approved for a credit card with a limit of over $1500.00. Is there anything that you can recommend?
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What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances? (498 Words)
by Scott Bilker
My husband and I are preparing to buy a new home. We want to clean up our credit card accounts to better our chances for a mortgage. We were considering paying off our credit cards with smaller balances using other credit cards. What is better when your credit is being considered for a home loan--fewer credit cards with higher balances or more credit cards with smaller balances?
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DebtSmart® Financial Compatibility Test (912 Words)
by Scott Bilker
It is well known that money is the #1 reason for divorce! Money is very important in your relationship. It's the blood that flows through the financial veins of the family. If there is a problem with its flow, everyone in the family will suffer! Take this test with your spouse/partner to see how compatible your philosophies and monetary strategies are when dealing with money and debt!
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Getting Your Overpayment Refund (626 Words)
by Scott Bilker
I took out a debt consolidation loan to pay off five creditors. The loan company wrote checks directly to the creditors. The process took three months and by the time the checks arrived at the creditors my balances were less than the checks. Now a few creditors owe me because my payment was more than the balance! All but one has paid. They owe me $179.00, too much money to walk away from. How do I get the money back?
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9 Steps to Get Organized for Financial Success! (1,853 Words)
by Scott Bilker
I've learned over the years that the better organized you are with all your transactions the less likely you are to: Bounce checks, Exceed credit limits, Pay late, Get charged for stuff you didn't buy, Get hooked into extra charges, Be stressed over bills, Go into perpetual debt, and Let fraud go unnoticed. Here are the 9 quick steps to getting organized for financial success--today!
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Manipulating the System (1,090 Words)
by Scott Bilker
It's Friday night and the phone rings... you know the call, it's late, the last bite of my dinner being chewed, all you want to do is watch TV and relax. Guess who's calling? Yes, it's a mortgage company that's trying to sell me a refinance deal!
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One Day Late, Yeah Right (539 Words)
by Scott Bilker
I had the feeling that since being one day late means that banks can charge a late fee, it's possible that, well, payments could "accidentally" be held for say, oh, 24 hours. Oops, you're late!
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