Credit Management

How to Check and Understand Your Credit Score for Free

James Heinz

5 days ago6 min read

How to Check and Understand Your Credit Score for Free

It affects everything from whether you qualify for a loan to how much you'll pay for a mortgage, car loan, or credit card.

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6 Strategies to Get Out of Credit Card Debt Fast

James Heinz

Dec 35 min read

6 Strategies to Get Out of Credit Card Debt Fast

According to recent studies, the average American carries over $6,329 in credit card debt.

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Understanding when and how to consolidate credit card debt

James Heinz

Dec 15 min read

Understanding when and how to consolidate credit card debt

According to a recent report, the average American carries over $6,300 in credit card debt.

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Understanding Credit Card Debt Consolidation and Balance Transfers

James Heinz

Nov 295 min read

Understanding Credit Card Debt Consolidation and Balance Transfers

Managing credit card debt can be a challenge when dealing with multiple payments with high interest rates.

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Understanding America's Credit Card Debt Statistics for 2024

James Heinz

Oct 1712 min read

Understanding America's Credit Card Debt Statistics for 2024

US credit card debt reached a record $1.142 trillion in 2024, with an average debt per American of $6,501. Explore the statistics.

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Calculating Cost of Debt: Definitions, Formulas, and Examples

James Heinz

Oct 1610 min read

Calculating Cost of Debt: Definitions, Formulas, and Examples

Explore the cost of debt problems and solutions with clear definitions, formulas, and examples. Learn how to calculate and address financial

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Consolidating Debt Without Affecting Your Credit Score

James Heinz

Sep 119 min read

Consolidating Debt Without Affecting Your Credit Score

Shepherd Outsourcing helps you consolidate debt smartly without affecting your credit score with tailored solutions. Learn about Debt Manage

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Strategies to Get Debt-Free by Paying Off Credit Card Debt

James Heinz

Sep 106 min read

Strategies to Get Debt-Free by Paying Off Credit Card Debt

Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.

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Identifying Legitimate Debt Collectors and Scams

James Heinz

Aug 255 min read

Identifying Legitimate Debt Collectors and Scams

Learn about distinguishing legitimate collectors from scams, with strategies for consumer impact recovery in debt scenarios.

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James Heinz

Aug 256 min read

Strategies to Get Debt-Free by Paying Off Credit Card Debt

Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.

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Understanding Credit Card Debt Relief Government Programs

James Heinz

Aug 245 min read

Understanding Credit Card Debt Relief Government Programs

This blog discusses credit card debt relief government program options such as HUD counseling services and homeowner assistance fund.

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Process of Banks Writing Off Credit Card Debt

James Heinz

Aug 115 min read

Process of Banks Writing Off Credit Card Debt

Struggling with credit card debt? Learn the process of banks writing off credit card debt, its impact, and solutions to manage it.

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Rights and Advice on Debt Collector Home Visits

James Heinz

Jul 155 min read

Rights and Advice on Debt Collector Home Visits

Can debt collectors come to your house? What are they allowed to do? Check out this guide to learn everything about debt collector home

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Steps to Remove Collections from Your Credit Report

James Heinz

Jul 145 min read

Steps to Remove Collections from Your Credit Report

Learn how to get collections removed from credit report by disputing inaccuracies, handling paid collections, and maintaining good credit ha

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Understanding When to Use Consumer Credit Counseling

James Heinz

Jul 146 min read

Understanding When to Use Consumer Credit Counseling

Credit counseling evaluates debts and living expenses, offering debt management strategies to achieve financial security with consumer credi

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Credit Card Debt Payoff Planner and Tracker

James Heinz

Jun 125 min read

Credit Card Debt Payoff Planner and Tracker

Discover the benefits of using a credit card payoff tracker for managing and eliminating credit card debt effectively.

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James Heinz

Jun 94 min read

Nonprofit Consumer Credit Services

Learn about reputable nonprofit consumer credit services, their range of offerings, and benefits in debt management.

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Understanding What a Credit Advisor Does

James Heinz

May 294 min read

Understanding What a Credit Advisor Does

A credit advisor provides financial guidance on debt management and helps clients make informed financial decisions using personalized

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Understanding Consumer Credit Card Relief Programs

James Heinz

May 286 min read

Understanding Consumer Credit Card Relief Programs

Understand consumer credit card relief programs and how they can help manage or eliminate your credit card debt.

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How to Manage Credit Score: Tips for Managing Your Credit Score Wisely

James Heinz

May 287 min read

How to Manage Credit Score: Tips for Managing Your Credit Score Wisely

Discover key strategies to manage your credit score, focusing on timely payments and maintaining low credit utilization under 30%.

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