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Credit & Debt

Credit and debt is part of almost everyone’s financial life and needs to be managed effectively. Avoiding costly mistakes and learning how to borrow wisely will help your financial future. Or if you have made a few mistakes along the way, find out how and how long it may take you to get back on track.

Credit & Debt Calculators

Do I have too much debt?
What would my loan payment be?
How much vehicle can I afford?
Is 0 percent dealer financing a better deal?
How much can I borrow from my home equity?
What is my current net worth?
Will I be able to pay back my student loans?

Article: Steps to Rebuilding Credit

Starting point to rebuilding your credit.

Article: Using Credit Wisely

If used carefully, credit can be a helpful financial tool.



Article: Dealing with Medical Debt

Unfortunately, when you get sick or injured, getting better is often not the only concern. Even if you have health insurance, you can get stuck with hefty medical bills. Some people feel that they have no choice but to ignore them or file for bankruptcy. However, there are many ways you can make paying your medical bills more manageable.


FICO vs. VantageScore: What's the Difference?

Your credit score is in many cases the most influential factor in a lender's decision to grant you credit and at what rate. The higher the score, the less you'll pay for the use of someone else's money. Although the most widely used credit model is the FICO (named for the score's developer, Fair Isaac Corporation), there's another score for sale--the VantageScore.



The Confusing World Of Credit Scores

A recent study, jointly conducted by the Consumer Federation of America and Washington Mutual Bank, revealed that although knowledge of credit scores has improved slightly among consumers, many still remain misinformed and confused. Why? Not all credit scores are created equal.



Article: Manage Your Credit Cards Better

Under the pressure of job insecurity and widespread unemployment, U.S. consumers have actually reduced their collective credit card debt. But total U.S. credit card debt still exceeds $888 billion.


Article: When a 'Free' Credit Report Is Not Really Free

Under the pressure of job insecurity and widespread unemployment, U.S. consumers have actually reduced their collective credit card debt. But total U.S. credit card debt still exceeds $888 billion.



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