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Debit Cards Have you ever noticed that the word “debit” is similar to the word “debt”?
How to Manage your Checkbook Efficiently The first step is to know how to write a check correctly. Always use a pen to write as clearly as possible
How to Balance Your Checkbook Efficiently Do you feel overwhelmed with the sole thought of having to do your accounts? Does it go crazy when the numbers on your bank statement don’t match the numbers on your check book?
What is Credit and How do I Establish “Good Credit”? The following information will help you understand what credit is and how you can maintain it at a good level. The “Good Credit” is not always easy to achieve. Once you have a “good credit” be careful and keep it.
Risks and Benefits of Using Credit Cards Instead of simply using credit cards routinely for your purchases and services, it is wise to be aware of some of the advantages and disadvantages of this payment method.
Credit Card Application – If Accepted, Do I Qualify? Credit cards can be a powerful temptation. We live in a society where immediate satisfaction is normal, acceptable, expected.
Financial Charges – What Do All These Numbers Mean? The financial charges can be discouraging. Anyway, what exactly is a financial charge? A financial charge is a fee that is charged for the privilege and convenience of using a credit card.
Definition of APR – Percentage of Annual Rate APR means “Annual Percentage Rate” or Annual Percentage Rate. This is the compound rate that is used to make a standard comparison of the level of interest that you are likely to pay on loans or credit card balances.
Credit Lines against the Patrimony of your Home: Costs and Benefits. Some people own a property, such as a house, a condominium, or an apartment. They will ask about credit lines against their home equity and home-insurance credit cards.
Credit and Divorce: Know the Statistics Have you been recently going through a divorce or thinking about it? If this is the case, you may want to examine the issues that revolve around your credit
Credit Reports Credit reports do not generally include information such as rent payments, medical bills, maintenance, food, child support and taxes. However, these reports reflect any fraud or lack of payment in these matters.
Typical Errors Found in a Credit Report and How to Correct Them People are surprised to learn that mistakes in a credit report are not unusual at all. Here are some of the most common:
Model Letter Example of a Letter to Add Information and / or a Personal Statement in your Credit Report.
Sample Letter to Correct Information in Your Credit Report Sample Letter to Correct Information in Your Credit Report
What is a Credit Score? Credit scores have some mystery. How are credit scores calculated? Why is my credit score lower than my aunt Maria’s, if I paid everything on time in the last 6 months and she can barely remember to read her mail, even less pay her bills?
Bankruptcy – The Advantages and Disadvantages The bankruptcy declaration is a legal process that allows you to have certain cancellations of debts by a court order. This means that you do not owe the money from the particular accounts. It’s as if debts never existed.
Consumer Debt – A Review Consumer debts in this country are high all the time. Between the years 1981 and 2001, the total debt of the consumer grew exceeding 400%, from $ 370 billion to $ 1.7 trillion.
Collection Agencies: How to Deal with them If you have fallen behind in payments to your creditors, at a certain point a debt collector may contact you. Their means of contact are typically telephone, fax and mail but they can also contact you in person.


Important Links

Annual Credit Report This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Credit Education Learn about your Fico Score
Federal Trade Commission – Debt Collection Review The Fair Debt Collection Practices Act.
Maxed Out Movie Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of “preferred customer” and tells us why the poor are getting poorer while the rich keep getting richer. Hilarious, shocking and incisive, Maxed Out paints a picture of a national nightmare which is all too real for most of us.”
Facts About Debt In America It’s scary. Credit card debt continues to rise in America. With stagnant wages, a deflating housing market, and adjustable mortgages skyrocketing, the bill may finally be coming due.
Miami Insurance Dopazo & Associates Insurance agency helps protect hundreds of Florida businesses of all types.