Money Tips & Resources ✍

What Is a Debt Validation Letter?

by | May 2, 2024 | Debt | 0 Comments

If you've been contacted by a debt collection agency about an outstanding debt, you should have received something called a debt...
Read More

What Does “Charged Off as Bad Debt” Mean?

by | April 26, 2024 | Debt | 0 Comments

If you've ever struggled with credit card debt, you might have come across the term "charged off as bad debt." This seemingly ominous...
Read More

5 Credit Card Debt Negotiation Strategies

by | April 26, 2024 | Credit | 0 Comments

Do you ever lie awake at night staring at the ceiling, the weight of your credit card debt pressing down on you? You're not alone....
Read More

10 Practical Tips to Get Out of Debt Quickly 

by | April 11, 2024 | Debt | 0 Comments

Embarking on a journey towards a debt-free life may seem daunting, but with discipline and strategic planning, it's entirely achievable....
Read More

Cash-Out Refinance: How It Works and When to Do It 

by | April 10, 2024 | Loans | 0 Comments

Accessing the equity in your home through a cash-out refinance can be a strategic financial move, allowing you to leverage your property's...
Read More

Should You Trade In Your Car or Sell It? 

by | April 10, 2024 | Budgeting, Featured | 0 Comments

Should you trade in your car or sell it privately? Deciding between these two options involves weighing various factors beyond just the...
Read More

5 Essential Steps Before Buying Your First Home 

by | April 10, 2024 | Budgeting, Credit, Loans | 0 Comments

Buying a home is a significant milestone that requires careful preparation to navigate successfully. Whether you're buying your first home...
Read More

Understanding the Impact of Credit Scores on Home Loan Approval 

by | April 10, 2024 | Credit, Loans | 0 Comments

Your credit scores play a crucial role in determining your eligibility for a home loan. These three-digit numbers, typically...
Read More

Survey Reveals Student Loan Challenges and the Need for Solutions

by | April 1, 2024 | Debt, Featured, Loans, Student Loans | 0 Comments

Credit & Debt®, an IDIQ® financial wellness platform dedicated to empowering people to make smarter financial decisions, recently...
Read More

Pros and Cons of Clearing Old Delinquent Credit Card Debt

by | March 26, 2024 | Debt | 0 Comments

Managing finances involves a nuanced understanding of when to address old delinquent credit card debt and when to proceed with caution....
Read More

Understanding Credit Scores and Credit Limit

by | March 25, 2024 | Credit | 0 Comments

In the realm of personal finance, comprehending the nuances of credit scores and credit limits is essential for individuals striving to...
Read More

Top 5 Tips: How to Successfully Clear Your Credit Card Debt

by | March 25, 2024 | Credit, Debt | 0 Comments

Clearing your credit card balances is a pivotal step toward achieving true financial freedom. Credit & Debt understands the importance...
Read More

Envelope Budgeting: Does it Work?

by | March 25, 2024 | Budgeting | 0 Comments

Managing finances effectively often requires adopting suitable budgeting methods that align with individual priorities and goals. One...
Read More

Good Debt and Bad Debt: A Practical Guide

by | March 25, 2024 | Debt | 0 Comments

Before embarking on any borrowing endeavor, it's imperative to evaluate whether the loan aligns with your financial objectives. By...
Read More

How Many Credit Cards Are Too Many?

by | March 21, 2024 | Credit | 0 Comments

With modern approval processes, applying for new credit cards from a card issuer such as a credit card company, a bank, or even a...
Read More

Does Debt Relief Hurt Your Credit?

by | March 20, 2024 | Credit, Debt, Featured | 0 Comments

As we approach Debt Awareness Week, the average American household now has more than $100,000 in debt. Total household debt has...
Read More

How to Get Your Free Annual Credit Report: A Step-by-Step Guide

by | March 19, 2024 | Credit | 0 Comments

Are you interested in your credit report and scores? Here, we walk you through the process of obtaining your free annual credit report...
Read More

Understanding Debt-to-Income Ratios: A Complete Guide

by | March 19, 2024 | Debt | 0 Comments

What is a Debt-to-Income Ratio? If you've been exploring mortgage loans recently, you've likely encountered the term "debt-to-income...
Read More

What Makes a Good Credit Score?

by | March 19, 2024 | Credit | 0 Comments

What exactly is a credit score, and how do you determine whether it's good or poor? If you've ever applied for a significant loan, like...
Read More

What are Interest Rates? How Does Interest Work?

by | March 14, 2024 | Credit, Loans | 0 Comments

Interest rates are a fundamental aspect of the financial world, impacting everything from loans to savings accounts. Yet, comprehending...
Read More

Search our resources:

Do you have questions about how to manage your money, reduce your debt, or improve your credit score? We have answers!

Credit & Debt provides answers to all of the financial questions life may throw at you. Explore our articles and videos below to find answers. Or, reach out to our financial expert, Abby, for a personalized video at askabby@creditanddebt.org.