According to USA Today, New York City and Dallas each recently reported 4,000 complaints and inquiries; Phoenix had 6,000 and Cincinnati had 8,000. Consumers who respond are easily pre-approved for a loan. They’ll receive it once they send an application fee or processing fee of several hundred dollars. The new loan, of course, never materializes. […]

Examine Your Spending Behavior One way to save cash is by not eating lunch out every day. Not only will you save substantially, you will also avoid using the credit card to run up more debt that you do not have the cash for. This chart shows the weekly and annual cost of your lunches. […]

A Change in Lifestyle To avoid getting into financial problems in the future, you must understand your flow of income and expenses. Some people call this making a budget. Others find the term budget too restrictive and use the term spending plan. Whatever you call it, spend at least two months writing down every expenditure. […]

Many people want to know if the agencies that promise to clean up your credit rating are legitimate. The answer is a resounding no. What these organizations often practice is fraud. They swap your Social Security number or other identifying details with those of someone with cleaner credit or no credit at all to allow […]

When you have decided to change credit card companies, be sure to notify the company of your intention to cancel. Otherwise it may look like you have a lot of credit available to you and you may not get new credit if you seek it in the future. A credit report will list all your […]