Credit & Debt Management Videos

The Credit Formula Guide is a Step By Step Guide for LEGALLY Repairing, Rebuilding, and Managing your Credit Reports with all 3 Major Credit Bureaus.

Understanding your credit report is SO important! By knowing how to read your credit report, you can fight chargeoffs, bankruptcies, and repair your credit! Learn more at chargeoff.net .

When calculating a loan payment, find out the loan amount, the interest rate and how many months are going to be spent paying off the loan. Calculate loan payments by using online loan calculators...

When calculating an interest-only loan, gather information on the loan amount, the interest rate and the term on the loan. Calculate total annual interest when figuring out an interest-only loan...

When calculating an interest-only mortgage, figure out the loan amount, the interest rate and the term on the loan. Do simple calculations to figure out an interest-only mortgage with tips from a...

In order to stop payday loan harassment, first try to make arrangements to extend the loan, and then write a letter asking that all further contact be sent through the mail. Know personal rights...

A credit score is calculated through considerations of payment history, duration of credit history and how much new credit has been assumed. Discover how to calculate credit scores, and how much...

In order to boost a credit score, make payments on time, leave old credit open and have a good mix of credit cards and loans. Raise a credit score by showing good credit management skills with...

In order to get a loan to pay for a wedding, first check with friends and family before moving on to cash advantage stores and financial institutions. Pay for a wedding by applying for a personal...

When getting a personal loan, figure out how much money is needed, look at all options and have an end date to the payment. Get a personal loan without being talked into a credit card by following...

In order to obtain credit, people must be in good standing with a credit card company or build credit by getting and maintaining a number of low-ceiling cards. Find out how to establish good...

The first step to fixing bad credit is obtaining a credit report, which often have erroneous information on people who have a similar name or social security number. Challenge the information from...

An important part of monitoring credit is asking credit bureaus to put a fraud alert on a credit report to keep someone from stealing a social security number and the credit history associated...

A credit card is based on a line of credit as determined by the credit card company, while a debit card is tied to the amount of money in a bank account. Decide whether to get a credit card, which...

Many banks, such as Capitol One and First Premier, will issue credit cards to people with bad credit, though these cards have high rates and low spending limits. Revive credit after bankruptcy by...

A certified credit counselor must pass state and national exams to obtain a license in order to help people with credit problems, such as credit card debt, by reducing payments or account...

Most lenders will give business credit to individuals with good personal credit. Some lenders will offer a loan to a business once the applicant provides personal information on the loan...

The rate of credit card interest was often set when the applicant signed the paper work to obtain the credit card from the credit card company, lender or bank. The payments reflect how much the...

To calculate the terms of a loan, find a loan calculator online and enter the payment and the rate, then the calculator will determine the length of the loan. Find out how to determine the terms...

The Loan-to-Value (LTV) ratio of a loan refers to the value of the property or the purchase price, compared to the remaining loan balance. Learn how to calculate a loan-to-value ratio to...

Corporate credit is based on the credit rating of a business. Banks will often extend a business loan based on a strong personal credit rating, which allows that individual to act as a guarantor...

A line of credit can be extended to a business or an individual based on the equity of the property put up as collateral. Learn how the rates of monthly payments for a line of credit are...

A loan calculator determines the rate of payment on a loan by factoring in the length, terms and amount of the loan. Find a loan calculator online to figure out payment information for home, car...

The loan mortgage loan process is similar in every state: apply to a lender or mortgage broker to obtain the loan, though some states require an attorney to close the loan. Learn about the loan...

Both loan officers and mortgage officers broker loans from lenders to their clients; mortgage officers must have a license, while loan officers do not have to have a license, though they cannot...

Home Equity Lines of Credit (HELOC) involve a bank loan which becomes the second loan behind a first mortgage, with a payment rate determined by the loan amount, not the entire line of credit....

Raise a credit rating by getting a copy of all three credit bureau reports and disputing any duplicate or bad accounts. Improve credit scores by contacting creditors and making sure all good...

Consolidate debt by contacting a financial institution for loan opportunities or looking at existing credit cards with lower interest rates. Lower monthly debt payments through debt consolidation...

Staying out of debt requires eliminating frivolous spending, like shopping for wants instead of needs and formulating a budget. Remain debt free by resisting spending urges and using coupons with...

Ways to consolidate credit card debt include using balance transfers and contacting a credit union or bank for loans. Condense credit card debt, but read any disclosures regarding balance...

In order to remove judgments from a credit report, they must first be paid off. Remove paid judgments from a credit report by contact the credit bureaus with advice from a certified public...

Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips...

Ways to recover from debt include creating and sticking with a budget and not incurring new debt. Get on the path to being debt free with the help of a non-profit consumer credit counseling agency...

Each state has different regulating standards for credit counselors, but make sure the agency is affiliated with the AICCCA or NFCC. Choose a credit counselor that has a clean report with the...

Fixing bad credit involves getting a copy of all three credit bureau reports and addressing any errors by writing letters to each bureau about the situation. Correct bad credit issues by building...

Good ways to get out of credit card debt include not using cards and quickly paying down cards with smaller balances. Stay out of credit card debt by throwing away enticing low interest-rate...

When choosing a credit counselor, be wary of agencies that use aggressive tactics and always get written disclosures. Find a credit counseling agency that is a member of the AICCCA with tips from...

Handling creditors when unable to pay bills is done by contacting them and letting them know what can be paid and when. Keep creditors from calling with constant communication with insight from a...

Increasing a credit score can be done by making payments on time and keeping credit balances 30 to 40 percent of their overall limit. Enjoy a higher credit score by not closing out smaller credit...

Repairing bad credit starts by contacting the credit bureaus and having duplicate or old information removed from a credit report. Fix low credit scores and reports by working with creditors and...

Use a credit card to save money by transferring any smaller balances to a higher-limit card with a low interest rate. Avoid struggling with credit card minimum payments by consolidated balances to...

Ways to live within your means and get out debt include creating a budget and eliminating frivolous spending habits. Eliminate debt by contacting a consumer credit agency when living beyond means...

Certain factors should be considered when negotiating better credit card deals, such as interest rates, annual fees, damage waivers and special introductory rates. Find out how to negotiate a...

Settle credit card debt by negotiating affordable repayment terms and asking for discounts. Avoid credit collection companies and learn to settle credit card debt with tips from the vice president...

Getting a free credit score is as easy as checking on Web sites and applying online. Get a free credit score with tips from a vice president of a bank in this free video on credit counseling.

To get a lower interest rate on credit cards, make sure to pay all bills on time and negotiate with the company. Shop around and get the lowest interest rate on credit cards with tips from the...

To increase your credit score by a 100 points or more, pay your bills on time, dispute inaccuracies on credit reports and pay off credit card balances completely. Increase your credit score with...

Simple actions, such as minimizing credit card use and negotiating interest rates, can help eliminate credit card debt. Try using a debit card instead of a credit cart and get out of debt with...

Establish credit by having a friend or relative add you on to their credit card or setting up a co-borrower line of credit. Learn about secured credit cards and begin establishing credit with tips...

Find the best credit card rates by using Web sites that describe the introductory rate, annual fees and interest rates on various credit cards. Learn more about finding the best credit card rates...