While building your credit score takes time and commitment to careful spending, ruining your credit and destroying your chances of getting help from lenders can happen in an instant. One of the most significant risk factors to hurting your credit is accumulating...
Credit Card Debt
How can you avoid credit counseling scams?
Many Tennessee debtors may seek relief from crushing debt with credit counseling services. Credit counseling from a reputable organization is an alternative to bankruptcy that can help you manage your debt and get back on your feet. Unfortunately, according to...
What is the Card Act?
If you are a longtime credit-card user in Goodlettsville, you should have noticed a few changes in your billings as a result of the Credit Card Accountability and Disclosure Act, or Card Act, passed in 2009. No longer are you socked with substantial fees and...
Credit cards and interest rate details
People in Tennessee who may have struggled with credit card debt know that trying to understand the various terms and conditions associated with these accounts can be very difficult. In fact, for some people, a lack of full understanding about how interest or fees are...
How secured credit cards help after bankruptcy
If you are one of the many residents in Tennessee who has struggled with high revolving credit card debt, you know the level of stress that can cause. You might be afraid to get your mail or email or to answer your phone due to fears that creditors are trying to get...
What are the penalties for missed credit card payments?
The prevalence of consumer debt in America may prompt you to believe that you should avoid having credit cards altogether. Yet financial experts in Goodlettsville do not typically discourage having credit cards (on the contrary, many actually recommend holding three...
Is debt consolidation right for you?
Your struggles with credit card debt might seem embarrassing, yet you should know that you are hardly the only one in Goodlettsville dealing with such an issue. Indeed, information shared by NerdWallet shows that credit card debt climbed to $931 billion in 2017. Given...
The main causes of credit card debt
As most Tennesseans are aware, credit card debt can accumulate in a short period of time, but can take years to pay off. While the spending may have been inevitable, the price one might pay for large amounts of debt can be costly. What are the main causes of debt...
When buying becomes a burden
With the endless stream of weekly deals and the perfect products, overly frequent shopping can be all too tempting. While retail therapy can be cathartic to some degree, there can be too much of a good thing. Some Tennesseans struggle with crippling credit card debt...
Handling credit card debt when unemployed
There is hardly a more pressing topic than financial uncertainty. Even when the picture is clear, it is easy to become lost in the sea of debt. Although Goodlettsville has recently seen improvements in its unemployment rates, countless Tennesseans still struggle to...
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