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Debt Home No debt Some debt Heavy debt ... Bankrate.com Credit Management Home Managing your credit is more important and more complicated than ever. With good credit, you can get a bigger house, a better car, a lower credit card rate and less-costly insurance. Without it, you'll always have a drag on your finances and that means fewer of the things you want. Whether you're applying for first-time credit or are deep in debt, this section is for you. Not sure where to start? Try our debt-o-meter N O D E B T Do's and don'ts for establishing credit First-time credit users need to tread carefully to build a credit history. Why you should check your credit report If you are applying for a loan or credit, records of your previous dealings with someone else's money are vital. More no debt stories O V E R N I G H T A V E R A G E S * 30 Yr Fixed Mtg Home Eq $30K ... The future of FICO A little three-digit number, practically unknown a few years ago, keeps growing in importance for your finances.

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Sunday April 06, 2003 Featured Lender: America's Lending Partners New Home Loans - Second Mortgage Loans - Refinance - Home Equity Loans - Home Improvement Loans - Debt Consolidation Loans - Bad Credit Personal Loans - Current Mortgage Rates - 4 lenders will compete for your business! Bad credit ok! Site Map: Home Credit Cards Debt Consolidation Loans Auto-Mortgage-Equity ... News UK Residents: UK Loans - Credit Cards US Residents: Home Credit Cards Bad Credit Debt Consolidation Loans Auto-Mortgage-Equity ... Contact Us Consumer Tips: Looking for the Best Mortgage? Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgagewhether it's a home purchase, a refinancing, or a home equity loanis a product, just like a car, so the price and terms may be negotiable. Shopping, and negotiating may save you thousands of dollars. Can you repair your credit? Do not fall for scams that claim to clean your credit file in 30 days. This just will not happen. However, you can dispute information in your credit file and the creditor is required by law to verify the disputed information. Information that can't be verified within 30 days must be removed. Answers to Your Questions About FICO Scores Answers to many common questions concerning credit scoring written by the credit scoring experts at MyFico.com

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Expert Debt Management and Advice Let us put you back in control! We are Licensed Debt Adjusters and experts in debt management and debt consolidation. We specialise in helping small and medium size companies and private individuals to have a fresh financial start. Our service is friendly, confidential and very effective, please check out our pages to see how we can assist you in legally writing off up to 95% of your debts and stop the interest charges accruing!! Please don't wait until its too late. Our Advice is FREE, you are under no obligation whatsoever. Call us now in complete confidence on FREEFONE 0800 018 6081. Licensed under the Consumer Credit Act 1974 When things go wrong as they sometimes will, When the road you're trudging seems all up hill, When the funds are low and the debts are high And you want to smile, but you have to sigh When care is pressing you down a bit, Rest, if you must, but don't you quit.

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Consumer Credit Counseling - Debt Consolidation - Debt Counseling We Have The Solution You've Been Looking For! Home Bankruptcy Advantages Danger Signs ... Reach Us Click For Your Free Consultation Click for your free consultation Getting into debt is the easy part, no planning or experience required. Getting out of debt is a whole different matter altogether. How do you get out once you've gotten in? At ! 1st Consumer Credit Counseling Alliance we can show you a way out. If you are burdened any of the following: Creditor harassment Late fees and penalties Not knowing which bill to pay first Family squabbles over money matters Creditor calling you at work or at home Fear of answering the phone We can show you a common sense approach that will allow you to meet your current monthly obligations with ease, get out of debt sooner, and save money at the same time. We invite you to join the thousands of others who have successfully made these creditor problems a thing of the past. Try out our simplified online form and receive your free consultation within

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http://www.adobe.com Download Printable PDF Knee Deep in Debt Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You're not alone. Many people face financial crises at some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or simple overspending, it can seem overwhelming, but often can be overcome. The fact of the matter is that your financial situation doesn't have to go from bad to worse. If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future. Self Help Developing a Budget: The first step toward taking control of your financial situation is to do a realistic assessment of how much money comes in and how much money you spend. Start by listing your income from all sources. Then, list your "fixed" expenses-those that are the same each month-such as your mortgage payments or your rent, car payments, or insurance premiums. Next, list the expenses that vary, such as entertainment, recreation, or clothing. Writing down all your expenses-even those that seem insignificant-is a helpful way to track your spending patterns, identify the expenses that are necessary, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

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Debt Management Credit Counseling Corp. is proud to have counselors on staff that have been certified by the National Institute for Financial Counseling Education to assure the proper handling of your account. We are a non-profit debt consolidation and credit counseling corporation committed to assisting consumers who have had the unfortunate experience of becoming over extended in consumer debt. Our non-profit debt consolidation and credit counseling service can help you prepare a realistic budget as part of a successful money management plan and is designed to assist you in taking charge of your credit. This site is designed to give you basic information...not a quick fix for your credit problems. To be informed is your best weapon in taking charge of your credit and spending habits. No one can improve your Credit Rating except you. DMCC is proud to be certified by the British Standard Institute (BSI) as compliant with ISO 9001:2000 Standards. Live Chat for Application Processing. Clients please call

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Click here to visit other RealCities sites Help Contact Us Site Index ... News by Email Search Search the Archives MAIN SECTIONS NEWS CLASSIFIEDS OPINION LIFESTYLES ... Back to Home Sunday, Apr 06, 2003 LATEST STORY MICHELLE SINGLETARY: THE COLOR OF MONEY Low credit scores costly Scores of consumers may be paying more than they should for credit or insurance because of inaccurate credit scores, according to a new study. By MICHELLE SINGLETARY / Columnist RECENT STORIES How to keep holiday bills within reason ( By KATHY KRISTOF, Columnist, 12/10/2002 12:21 PM PDT) Identity-theft victims seldom know who culprit is ( By DEBORAH ALEXANDER, Omaha World-Herald, 12/02/2002 09:46 AM PDT) Home equity debt is surging ( By Michele Derus, MILWAUKEE JOURNAL SENTINEL, 11/18/2002 11:21 PM PDT) Checking accounts not so free ( By Riva D. Atlas, NEW YORK TIMES, 11/12/2002 09:57 AM PDT) Blank check in mail isn't free money ( BY ROBERT K. HEADY, Columnist, 11/11/2002 10:36 AM PDT) Bank checking and savings accounts surge ( BY SHERYL JEAN, Pioneer Press, 11/08/2002 10:10 AM PDT) High school students learn to become savers, not spenders

37. Debt Consolidation - Become Debt Free With Free Debt Consolidation! that benefits you and your creditors. In no time at all, your creditcounselor will help you to get control of debt management! http://debt-consolidation-refinance-mortgage-credit-repair-services.com/dc/

Free Debt Consolidation Evaluation - Become Debt Free Today! Address: City: State: Choose a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip Code: Area Code + Phone: Email Address: How Far Behind? Please select one I'm Current 1 Month 2 Months 3 Months 4 Months 5 Months 6 Months More than 6 Months Best Time to Call: Please select one A.M. Home A.M. Work P.M. Home P.M. Work Credit Card Debt: Please select one Total Creditors: Please select one 10 and Above Welcome to All-Debt-Free.com! This debt management service is 100% free to you! Fill out the form for a free debt consolidation analysis and learn how to lower your debt and interest charges by 70% or more! Please do not confuse this service with a debt consolidation loan or a debt consolidation mortgage. The goal is to get you out of debt, not to have you take on more debts! This is a viable alternative to bankruptcy that works!

38. Consumer Credit Card Help Through Credit Counseling And Debt Consolidation credit Counseling is a nonprofit organization helping people with high creditcard debt avoid bankruptcy through debt consolidation and credit management. http://www.consumercredit.com/

Home About ACCC Resources Get Started ... Affiliates NEWS ACCC Financial Mgmt System Membership Rewards Program "Living Better ... Don't be afraid of Credit Counseling Quick Start Call now for a FREE no obligation consultation Counselors are standing by ACCC is a nationally recognized consumer credit (501)(c3) non-profit organization, helping people regain financial control through debt consolidation and credit counseling. Save 30 - 50% on interest and monthly payments Payoff your credit card debt in 4 - 7 years, instead of 20 - 30! Avoid the 10 year bankruptcy penalty on your credit rating We negotiate with credit card companies on your behalf and can: - Lower or Eliminate late payment penalties - Lower or eliminate interest going forward - Protect your credit rating Handle all of your accounts for you with one monthly payment Start your debt free future today! Our Mission: control of the quality of their lives through education American Consumer Credit Counseling 130 Rumford Ave., Newton, MA 02466

39. Credit Counseling Centers, Inc. Non-Profit ; Full Service Debt Management. A fullservice debt management service designed to handle all credit problems. http://ccccinti.com/

Credit Counselors Corporation 644 Linn Street Suite 435 Cincinnati, Ohio 45203 We are now enrolling new clients only into our new Non-Profit Full Service organization. This new organization is still under the same caring management with 40 years experience in Credit Counseling. Please click here to go to: Credit Counseling Centers, Inc. a Non-profit agency. If you are already a client with Credit Counselors Corp. Please call: 513-287-6555 or 1-800-390-7245. We will be happy to help. or click here to send an e-mail about your account.

40. Debt Consolidation Program From Julian Credit Management Non-profit organization offers credit counseling services nationwide.Category Home Personal Finance Non-Profit Counseling...... plan that can cut years and thousands of dollars off your longterm debts like creditcards, mortgages, and other loans. Our debt management program can help http://www.juliancredit.com/

@import url(JCMCSS2.css); Julian Credit Management is a non-profit, nationwide debt consolidation and credit counseling organization , located in Central Florida. Our dedicated counselors can help you restructure your bills and make a payment plan that can cut years and thousands of dollars off your long-term debts like credit cards, mortgages, and other loans. Our debt management program can help you repay your debts: We help you establish a spending plan, determine your financial options, save money on interest and late fees, get your creditors off your back, and provide you with useful information This page uses CSS to present the content in the best possible manner. If you can see this message, then CSS (or JavaScript) is not enabled in your browser, and the page will not appear as the designer intended. Home About Us Common Questions How Do I Get Started? Contact Julian Credit ... and Links Are your debts taking you to the poorhouse? Now it's time to choose another path... Julian Credit Management Try our Debt Consolidation Program with a company that works for you - not for the creditors: Cut monthly payments 25% - 50% with our Debt Consolidation Program With that Debt Consolidation Plan you could slash interest rates to 0% Debt Consolidation can drastically reduce your pay off time.

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