Money Tips & Resources ✍

What Is Debt Settlement and How Does It Work?

by | May 17, 2024 | Debt | 0 Comments

Debt settlement is an approach to resolving unsecured debts such as credit cards and medical bills for less than the total amount owed....
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How to Successfully Clear Your Credit Card Debt

by | May 17, 2024 | Credit, Debt | 0 Comments

For many, credit card debt can be a major burden to financial well-being. But don't worry – taking control of your debt is possible. In...
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10 Ways to Get Out of Debt Fast

by | May 16, 2024 | Debt | 0 Comments

When you’re in debt, you might feel alone. But you’re not – total household debt reached $17.5 trillion last year. Creating your own...
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Debt Consolidation Explained

by | May 15, 2024 | Debt | 0 Comments

When you’re in over your head with credit cards, student loan payments, and more, paying off your debt can seem nearly impossible. Debt...
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How to Establish Your Credit Score While Managing Debt

by | May 7, 2024 | Debt | 0 Comments

Establishing a strong credit score while managing your existing debts may sound straightforward. After all, your credit score is primarily...
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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...
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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...
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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....
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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....
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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...
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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...
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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...
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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...
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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...
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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....
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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...
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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...
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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...
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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...
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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...
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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.