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Bad Credit & Credit Counseling

Can old credit card debt come back to haunt you?
Many people often wonder, “Can my old credit card debt come back to haunt me?” The simple and obvious answer is, YES! Not only can it come back, it most likely will come back. Even more disturbing, it often becomes the biggest problem when you need the credit the most.
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How to Compare Cards if you have Bad Credit
Searching for credit cards can get much more difficult when bad credit is thrown into the mix. Most of the best credit card offers, such as the premier rewards cards, are simply out of the question in such situations.
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How To Dispute Bad Marks on Your Credit Report
Bad credit can be a terrible thing. In today's society where credit is everything, having bad credit can seem like the end of the world. Want that new home? Forget it. New car on the checklist? Take it off. Simply put, without a good credit score, it can seem impossible to even buy the groceries when you need them. But not everything is dreary and sad, there are still alternatives people should be aware of, such as the Orchard Bank credit cards.
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Got Bad Credit?
Bad credit can be a terrible thing. In today's society where credit is everything, having bad credit can seem like the end of the world. Want that new home? Forget it. New car on the checklist? Take it off. Simply put, without a good credit score, it can seem impossible to even buy the groceries when you need them. But not everything is dreary and sad, there are still alternatives people should be aware of, such as the Orchard Bank credit cards.
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Getting a Card When You Have Bad Credit
It's hard, but not impossible, to get credit even though you may have a history of bad debt. The trick is to show that you've changed your ways—so open a savings account at your bank (and put some money in it) and begin to make payments on all your outstanding debts...
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Bankruptcy Basics
No one plans to go bankrupt, but sometimes circumstances come about that set you back in such a way that bankruptcy may be your best option to resolve the debt situation you find yourself in and to be able to move on with your life...
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Getting Out of Credit Card Debt
Most Americans would rather tell you how much they weigh than admit to the amount they owe on their credit cards. Here's how to tell if your cards need to lose weight and some steps to help you do it...
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I’m Bankrupt, but I’m Still Getting Credit Card Offers!
Filing bankruptcy is a painful decision for anyone. Overwhelmed by thousands of dollars in bills that seem to have no end, consumers sometimes have to make the tough decisions to file Chapter VII as the only relief to their financial woes. To the astonishment of many of these people, as soon as the bankruptcy is filed – punctuation to a long list of bad credit- the credit card offers start pouring in.
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What does it mean to Default? What Effect Does it Have on Your Credit?
When our financial obligations become overwhelming, it's necessary to wish all the problems would just magically disappear. The problem is that burying your head under the sand won't help. When you emerge, the bills will be right there waiting for you; ignoring them won't make them go away. Although most people know the reality of this, many of us still find ourselves in situations where we have continued to ignore pending bills.
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Getting Your Debt Under Control: Is It Worth The Hassle?
CNN now has a complete section dedicated to money and everything to do with it, and within this there was a recent series of articles written in an effort to educate people about money and all the pros and cons to do with it. The most recent lesson called “Controlling Debt” discusses if it is always appropriate to borrow money.
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