Rapidly Reduce Debt http://www.rapidlyreducedebt.com Get Out Of Debt Fast and Live Debt Free Wed, 10 Mar 2010 05:06:51 +0000 http://wordpress.org/?v=abc en hourly 1 Beat Credit Card Debt: Crush Your Dangerous Spending Habits Now http://www.rapidlyreducedebt.com/beat-credit-card-debt-crush-your-dangerous-spending-habits-now/ http://www.rapidlyreducedebt.com/beat-credit-card-debt-crush-your-dangerous-spending-habits-now/#comments Wed, 10 Mar 2010 05:00:54 +0000 admin http://www.rapidlyreducedebt.com/?p=695 With the current state of our economy, so many people are struggling to get out of credit card debt. The average balance for most people is several thousand dollars and more is usually added each month. If you are fighting what seems to be an endless battle to beat your credit card debt, then these tips to crush your spending habits could be vital to your success.

Re-think impulse purchases
If you normally whip out a card for purchases instead of paying cash without giving much thought about whether the item is a necessity, then you need to curtail your impulse spending. Each and every time, before you buy something, give some thought to whether or not you actually need the item. A good tactic is to leave the store and think about it for at least twenty four hours. If you truly need the item, then buy it, but pay with cash if at all possible.

Cancel those cards
In many cases, you probably only need to have one credit card. Having an excessive amount of available credit will not help your situation. Besides, if you are having problems spending too much money, then reducing availability will help you in the long run.

Decrease limits
To help limit yourself and prevent overspending, reduce the limit you have available on the cards you keep. This will enable you to keep within the boundaries of your budget.

Consolidate
There are many ways you can use to consolidate your accounts. You can consider combining the accounts into one card, getting a consolidation loan, or even look into whether or not you qualify for a home equity loan. If you do choose to consolidate, make sure you only keep one account open for emergency use and get rid of all of the others. The worst thing you could do is start spending and racking up the balances again.

Make a plan
Decide that you are going to change your financial situation, make a plan and follow through. You can reduce your credit card debt, but it will take hard work, determination and perseverance. Stay positive, be focused and realize you can do it!

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]]> http://www.rapidlyreducedebt.com/beat-credit-card-debt-crush-your-dangerous-spending-habits-now/feed/ 0 3 Options For Debt Solutions To Your Financial Problems http://www.rapidlyreducedebt.com/3-options-for-debt-solutions-to-your-financial-problems/ http://www.rapidlyreducedebt.com/3-options-for-debt-solutions-to-your-financial-problems/#comments Thu, 04 Mar 2010 04:58:04 +0000 admin http://www.rapidlyreducedebt.com/?p=693 If your debt problems are leading you to look for debt solutions, these tips could help you to get on track to getting your personal finances in order. Consolidation, credit counseling, and debt reduction programs are a few options available to you for debt solutions.

When you consolidate your credit cards and other loans into one payment, you will generally be saving money, not only in interest paid, but also with a lower monthly payment. You should consider all of the terms of the loan before making your choice to ensure you are getting the best offer available to you. Two options for consolidating are to combine balances onto a low rate interest credit card or obtain a home equity loan. With either option, make sure that you do not add any additional debt otherwise, your financial situation will not improve.

A second option to solve debt problems is to work with a credit counseling service. The company will review your income, bills and other expenses and advise you in ways to handle your finances. These companies will normally work with your creditors to negotiate lower balances, interest rates and payments to assist you in meeting your obligations.

Making a debt reduction plan is a third option. When devising a plan, a basic explanation is to create a budget, determine areas where money could be saved or expenses eliminated and use that extra cash towards reducing outstanding balances owed. You could choose to go the old fashioned route and create your plan on paper or simplify the process with a software program.

Although there are many other choices available to solve financial problems, it is important to remember that with which ever method you choose to remain positive, determined and focused on the goal of becoming debt free. You will find the best debt solutions for your situation so take action today.

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]]> http://www.rapidlyreducedebt.com/3-options-for-debt-solutions-to-your-financial-problems/feed/ 0 2 Simple Steps For Easy Credit Card Debt Reduction http://www.rapidlyreducedebt.com/2-simple-steps-for-easy-credit-card-debt-reduction/ http://www.rapidlyreducedebt.com/2-simple-steps-for-easy-credit-card-debt-reduction/#comments Tue, 02 Mar 2010 04:55:10 +0000 admin http://www.rapidlyreducedebt.com/?p=691 Getting into debt is so easy but getting out of it, well… that’s another story. Credit card debt reduction can and, more importantly, will happen with planning and discipline in the way you spend money.

Credit card debt reduction starts with reducing the amount your spend and add to your card balance. So, the very first step you need to take is to go shopping without your card and use cash only. This reduction technique does not require you to stop shopping, but instead requires you to seriously evaluate the need of any item you want to purchase and not just purchase it on the spur of the moment. If you find that the item is something which you do really need and you do not have the cash available, you can always go home and get your credit card. By doing this, you will be more inclined to avoid costly impulse purchases. This can be a very effective technique to reduce your credit card balances by preventing you from accumulating bigger balances and causing you to get further into debt.

Another effective way to reduce your credit card debt is to consolidate your balances. You can combine your balances from high APR credit cards to one low APR one. This measure works by reducing the rate at which your debt increases. Choosing this method will generally give you a break on interest when the short initial or introductory period has an APR of 0%. If you choose to combine all of your credit cards onto one, you may also receive some extra benefits such as reward points. If you choose not to use this particular method, you could also ask your current card providers to lower you annual percentage rate. Sometimes card issuers are willing to grant this request for their customers.

There are many other methods you have to choose from besides the two methods mentioned above. Another option is to use debt reduction software to help you make a plan and a budget. Some programs may also come additional features such as financial calculators. These types of software programs are well worth looking into if you are serious about credit card debt reduction.

]]> http://www.rapidlyreducedebt.com/2-simple-steps-for-easy-credit-card-debt-reduction/feed/ 0 Find Freedom From Debt – Get Out Of Debt and Live Debt Free http://www.rapidlyreducedebt.com/find-freedom-from-debt-get-out-of-debt-and-live-debt-free/ http://www.rapidlyreducedebt.com/find-freedom-from-debt-get-out-of-debt-and-live-debt-free/#comments Sat, 27 Feb 2010 04:49:33 +0000 admin http://www.rapidlyreducedebt.com/?p=689 Living under a mound of debt can be devastating. Trying to pay off all your debt can be equally frustrating. The good news is that you can find freedom, get out of debt and live debt free.

First, do not, under any circumstances, ignore your debt. This will only lead to more devastation and frustration. You may have gotten into this situation through either lack of responsibility or from circumstances beyond your control, but, you need to make the decision today to step up and begin to take control of your situation.

The next steps to take are:

* Resolve to end your debt problems today.

Make a decision that you do not want to live under that mound of debt any longer.

* Make a plan to gain control of your finances.

Create your debt freedom plan, either on paper or on your computer.

* Implement your plan daily (cut corners, spend only when necessary).

Forgo that morning cup of coffee, bring your lunch to work, and get creative in thinking of all the ways you can cut the amount of money you spend daily.

* Live within your means.

If you want a new outfit or a big screen television, do not use your credit cards. Wait until your debt is all paid off and then treat yourself all you want. Afterall, your income will not be going towards debt anymore so you can buy all the things you want.

* Do not make any exceptions, unless it is a true emergency.

The only time you should make any exception in you debt payoff plan is if it is a true emergency, such as a medical problem.

By taking these first steps, you can begin to find freedom from debt. Getting out of debt can be so rewarding and end so much stress, frustration and devastation. Make your decision today to take back control of your finances and live debt free.

]]> http://www.rapidlyreducedebt.com/find-freedom-from-debt-get-out-of-debt-and-live-debt-free/feed/ 0 6 Tips For Credit Card Debt Help http://www.rapidlyreducedebt.com/6-tips-for-credit-card-debt-help/ http://www.rapidlyreducedebt.com/6-tips-for-credit-card-debt-help/#comments Fri, 26 Feb 2010 04:45:25 +0000 admin http://www.rapidlyreducedebt.com/?p=687 Are you looking for credit card debt help? Like so many other people, you may have charged your cards to the max and now it is time to get serious about paying those balances off. But with finances being so tight, you may think there is no way to accomplish paying off the balances. But rest assured – you will not be in debt forever! Just follow these 6 tips below to help get out of credit card debt.

1. You are going to have to cut back on your spending. Do not spend more than you actually have in cash or in your checking or savings accounts. Only spend money on necessities not luxuries. All of the money you save will go towards getting rid of debt.

2. Gather all of your latest bills from your creditors. Write down your balances, annual percentage rates and minimum payments. This will help you make a plan of attack.

3. Make your plan in one of two ways.

a. The first way is to take the account with the smallest balance and pay it down first. Try to double the minimum payment due but if that is not yet possible, pay as much extra each month that you can afford. By achieving the goal of paying the smallest account balance first, you will become more motivated to continue on your quest.

b. Alternatively, the second way would be to take the account with the largest annual percentage rate and work your plan of attack on this bill first. Again, try to double the payment or at least pay as much extra as you can.

4. Continue following the plan you have chosen. Make the minimum payment on your other accounts while putting all extra money towards your first chosen credit card to eliminate.

5. Once your first bill is paid off, take that same payment you had been making and apply it towards your next credit card. This extra amount, along with the minimum payment due, will really begin to take a chunk off that balance.

6. Keep following the plan until all credit cards have been paid off. Do no use those accounts again to keep the balances at zero.

By following these 6 tips for credit card debt help, you will be on your way to to becoming debt free. Just stay focused, determined and positive. You can do it!

]]> http://www.rapidlyreducedebt.com/6-tips-for-credit-card-debt-help/feed/ 0 Debt Reduction Software Can Help You Pay Off Your Debts http://www.rapidlyreducedebt.com/debt-reduction-software-can-help-you-pay-off-your-debts/ http://www.rapidlyreducedebt.com/debt-reduction-software-can-help-you-pay-off-your-debts/#comments Thu, 25 Feb 2010 04:44:25 +0000 admin http://www.rapidlyreducedebt.com/?p=685 Can debt reduction software help you get out of debt? You bet it can! With so many millions of people struggling to just make ends meet, paying off credit card balances may only seem like a fantasy. Although there are many ways to accomplish this goal, a debt reduction software program can certainly help you realize your dream.

Debt reduction software programs will help you, first of all, create a budget. Creating a budget often times can seem like such a daunting task. Really, who wants to list all of their creditors, the balances owed, payments, annual percentage rates, and other expenses. It can just be so depressing and make anyone think it is an impossible task! However, any tool that can be used to simplify the process can only help you to quickly move on to the next phase.

Another aspect of using this type of program is the ability of the software to analyze budget it help you to make and create a plan for you to follow to pay off your creditors. This process can usually be completed in just a matter of minutes. A plan will be laid out for to get all of your creditors paid off, normally using the same income you already receive. Now that’s a nice thought, isn’t it?

Finally, many debt reduction software programs will also include financial calculators as well as progress reports. Seeing the progress you are making in reducing the balances you owe can be such a boost! What a way to keep you motivated to continue following the plan.

So, as you can see, these are just a few ways that debt reduction software can help you pay off your debt. If you are serious about becoming debt free and feel you could use some extra help, try a program and get started today.

]]> http://www.rapidlyreducedebt.com/debt-reduction-software-can-help-you-pay-off-your-debts/feed/ 0 Fico Offers Credit Repair Tips http://www.rapidlyreducedebt.com/fico-offers-credit-repair-tips/ http://www.rapidlyreducedebt.com/fico-offers-credit-repair-tips/#comments Tue, 24 Nov 2009 15:05:29 +0000 admin http://topcreditrepairadvice.com/fico-offers-credit-repair-tips/



Credit Repair in the News

Credit repair is more important than ever. In a recent interview with MarketWatch, a Wall Street Journal website, the Consumer Operations manager for the MyFICO division of Fair Isaac spoke out about the importance of checking your credit reports. In the words of the article, “There may be some surprises waiting for you.”

A New Credit Repair Landscape

Creditors everywhere have tightened their guidelines. This new credit environment has made credit repair more important than ever before. And to make things even more difficult in these already challenging times, creditors have begun to reduce and close credit cards in order to limit their own risk exposure.

The Limit Reduction Problem

This action is doubly hard for consumers. First, these limit reductions are happening unexpectedly, even to those who have never made a late payment. And second, and even more damaging, is the snowball effect that follows. A major part of your credit score is based on the relationship between your current balance and your credit limit. When a creditor cuts your limit your balance-to-limit ratio increases and your credit score will fall, through no fault of your own.

The Snowball Effect

And the snowball starts rolling. Once the first creditor drops a limit and your scores fall, other creditors are likely to drop your limits as well. And the lower your scores the more prone you will be to this perfect storm of credit repair trouble. What to do?

Good Credit Repair Advice

The Consumer Operations Manager for MyFICO suggests that you do everything in your power to insure that your credit report is as clean as possible and your scores are optimized. And don’t make the mistake of thinking that paying your bills on time (as important as it is) is you need to do. Credit repair knowledge is power. Here is a summary of his credit repair tips, and our extrapolation.

Check Your Credit Reports

Look for changes in your account limits. And while you’re at it, check for errors. Errors come in many shapes. Derogatory information should cease reporting, generally, after seven years. You should know that the seven year reporting period clock starts on the date of the original default with the original creditor. The original default was the first reported late payment in the sequence that led to the charge off or collection status. Collectors cannot reset the clock with subsequent reporting. And while we are on the subject of collectors, you should know that if a collector no longer owns the debt, he is supposed to remove the account entirely from your credit report. When in doubt, challenge the item with the credit bureaus or hire a credit repair professional to manage the process for you.

Don’t Get Close to Your Credit Card Limits

A significant percentage of your credit score is based on your balance-to-limit ratio. Reduce your balances as much as possible. Less than 20% of your limit is the optimal balance. Many people are blindsided by precipitous drops in the scores when they max out a card, even when they have never been late on a payment.

Keep Accounts Active

Use your cards to keep them alive. Dormant cards are in danger of being closed by creditors and unless you have plenty of open accounts this could cause a drop in your scores and send you in search of credit repair solutions.

Pay Your Bills on Time



This seems like a no-brainer, but it is so important. Make sure you understand the impact your purchases will have on your budget. Try not to let yourself get spread too thin. A single late payment can have a big effect on your scores, and may even trigger adverse action, such as limit reduction, by your creditors.

Don’t Apply for New Credit Cards

We have warned against store cards for years, and MyFICO agrees. Store cards can be credit repair suicide as they often present a triple threat. First, you will have an inquiry. Second, you will have a new account which will weigh down your credit scores for several months. And last, and worst, is the fact that most store cards offer a credit limit only marginally over the amount of your purchase. Put these together and you get credit repair trouble.

Call for Credit Repair Help

If you are confused by all of the components of credit report and score management, or don’t have the time to handle the task on your own, don’t give up. Call a credit repair professional for help. A credit repair professional will manage the process for you and insure that everything possible is done to optimize your credit. Good luck! Copyright © 2008 James W. Kemish. All Content. All Rights Reserved.



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]]> http://www.rapidlyreducedebt.com/fico-offers-credit-repair-tips/feed/ 0 The Wonders of Credit Repair http://www.rapidlyreducedebt.com/the-wonders-of-credit-repair/ http://www.rapidlyreducedebt.com/the-wonders-of-credit-repair/#comments Sun, 22 Nov 2009 13:51:03 +0000 admin http://topcreditrepairadvice.com/the-wonders-of-credit-repair/



Credit Repair Works

Credit repair works. And the results will have a dramatic impact on your financial life. Lenders everywhere have tightened their credit requirements. Every single point on your credit score matters. Credit blemishes can quickly translate into higher interest rates and even loan denials. You cannot afford to ignore the potential of credit repair. Do it yourself, or for a small investment you can hire a professional credit repair service to manage the process for you. Either way, now is the time to take action.

The Great Liberation

Free yourself from the illusion of authority. Many people make the mistake of giving too much credibility to the content of their credit reports. The power of the credit bureaus can be intimidating; we might believe our eyes against our better judgment. The credit bureaus play an important role in our world, but they are not without flaw. Over half of all credit reports include errors that are significant enough for the victims to pay premium interest rates, and, in many cases, to face loan denial. The credit bureaus maintain files on over 200 million Americans. That means that over 100 million Americans are victims of credit reporting errors.

The Credit Repair Plot Thickens



There is an unfortunate and unjust credit reporting anomaly that is virtually guaranteed to handicap those who can afford it the least. If you have had legitimate credit problems in the past you are more than twice as likely to be a victim of reporting errors as someone who has not had issues. There are two primary reasons for this; when you default on a debt the creditor is apt to move your account into another reporting category increasing the likelihood of duplicates and errors, and secondly, if an account is sent to a collector the lax reporting conformity of the collection industry can harm your credit needlessly for years to come.

And There is More

An informed examination of your credit report by a credit repair professional may turn up errors in many categories. Some of these errors are pure compliance violations that you are not likely to spot without training. If you are going to manage your own credit repair project make sure to do your homework before getting started. Educate yourself about reporting period limits for all categories of credit, make sure you understand the operation of statute of limitations, and peruse the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The little details can make the difference between success and failure.

The Credit Repair Solution



Understanding your rights and the compliance requirements of the credit bureaus will give you the legal leverage you need for your credit repair effort to succeed. Your credit bureau disputes are the cornerstone of your credit repair project, but there is more. True credit repair success should be measured by the improvement in your FICO credit scores. You must carry out your credit bureau disputes with an understanding of the impact every change in your credit report will have on your FICO scores. When you put it all together you will be thrilled with the results.

Help is Near

You are not alone. Many people don’t have the time to manage their credit repair project as carefully as necessary. If you feel that you can’t give it the attention it deserves, hire a credit repair professional. A professional will insure that every issue is identified, and will address your problems in an informed and careful manner designed to produce the best results. In addition, truly effective credit repair services will assist you in rebuilding and reshaping your credit to meet future lenders guidelines so that you will be left with genuinely useable credit. Whichever route you take, I urge you to act now. It’s your credit, and it matters.

Copyright © 2009 James W. Kemish. All Content. All Rights Reserved.



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]]> http://www.rapidlyreducedebt.com/the-wonders-of-credit-repair/feed/ 0 Confessions of a Credit Repair Agency http://www.rapidlyreducedebt.com/confessions-of-a-credit-repair-agency/ http://www.rapidlyreducedebt.com/confessions-of-a-credit-repair-agency/#comments Sun, 22 Nov 2009 07:45:47 +0000 admin http://topcreditrepairadvice.com/confessions-of-a-credit-repair-agency/



Credit Repair is a very debated topic on the net right now as to whether it’s legal, effective, ethical and an avenue worth pursuing for individuals with negative, inaccurate or unverifiable information on their credit reports. No matter where you search, you will find varying opinions in regard the legitimacy of the credit repair industry, from the FTC and Attorney General, to debt consolidation companies and law firms practicing credit repair companies.

First off to answer the question “is credit repair and its practitioners legal,” the answer is yes! There is a specific body of legislation, the Credit Repair Organizations Act (CROA) that outlines how credit repair companies may legally operate. This Federal regulation is proof that the industry as a whole is legal and not a scam. I think the negative overtones are more likely a case of a few hundred bad apples taking advantage of people.

The second most debated topic in many of the popular credit forums is whether or not one should even use a credit repair company, or give it a go themselves? The art of credit repair or credit restoration is not necessarily a difficult one to grasp and despite what a lot of the credit repair companies and lawyers would like you to believe, there is no “magical, proprietary dispute letter.” Remember, the Fair Credit Reporting Act (FCRA) was set up so that consumers could fix errors on their credit reports on their own. It was not set up so consumers could fix errors If they had the magic letter. It really is almost as simple as saying…

“Hey this is not my account, please verify the information and remove from my report”

So why would you consider hiring a company to improve your credit score if it is so easy? The art of credit repair is not perfectly written letter, but more of knowing the little tricks credit bureaus and collection agents use to avoid eliminating the debt.

As much bad press credit repair agencies have received, bureaus and collection agencies are no angels either. They try and trick you, they don’t always follow procedure and we’ve seen numerous cases of them breaking promises consumers have made with them when negotiating debt.

Credit report repair agencies should be well versed and know what to expect and exactly how to negotiate through all the little tricks that the average consumer wouldn’t. If you are lucky enough to be working with an ethical company that does its job and at a good price, it can work wonders for your credit score.

The people we spoke with that do favor using an agency to fix their credit, do so because typically it’s only 30.00 to 50.00 per month and they just don’t feel like dealing with the headaches, nor do they want to be their own guinea pigs.

If you do make the decision you would rather leave it to the pros, what steps should you take to make sure you’re hiring the right company? At the time of writing this there is very little governing the industry outside of CROA and it is a craps shoot for the most part.

However, there is hope on the horizon. Currently a non-profit organization is being formed called the National Credit Repair Association (NCRA) This industry organization brings overdue legitimacy and integrity to the credit repair field, and represents all certified credit repair organizations. The idea is that accredited credit repair firms are overseen to ensure they embody top standards and ethics, and adhere to all applicable state and federal laws in their practices. In other words, the “BBB” of the Credit Repair Industry.

We highly recommend that you utilize this service when fully launched as it will force legitimate companies to sign up much like they would the BBB and it will also weed out the unscrupulous credit repair companies who do not wish to adhere to standards. The credit repair industry is a legal and much needed industry, but much like any “new fad” it’s going to take time to get regulated, weed out the scum and let the professionals rise to the top.

In closing, credit repair is something that most Americans will probably have to deal with at some point in their lives. It can be done by you with a little homework, accurate record keeping and patience, or you can hire a firm just as long as you’ve done your homework, insist the company is a member of The NCRA and make sure they are not breaking laws when dealing with your personal credit scores.



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]]> http://www.rapidlyreducedebt.com/confessions-of-a-credit-repair-agency/feed/ 0 Alternative Credit Repair Solutions http://www.rapidlyreducedebt.com/alternative-credit-repair-solutions/ http://www.rapidlyreducedebt.com/alternative-credit-repair-solutions/#comments Sun, 22 Nov 2009 05:16:32 +0000 admin http://topcreditrepairadvice.com/alternative-credit-repair-solutions/

When you get your own credit card, you create a credit report that becomes the basis for future financial transactions to banks, institutions and other credit cards. Everyone has a credit report.

Your credit report contains information about your liquidity and credit standing. It shows how prompt you are in paying monthly dues, if you have the ability to pay your credit card bills and if you are deep in debt or not.

However, sometimes we can experience a financial crisis and our credit standing may be damaged. In comes a credit repair system. You see a lot of businesses offering a “guaranteed” credit repair but be warned. Some of these are misleading. They may say it’s credit repair but it could mean bankruptcy.

Filing for bankruptcy is indeed one way to resolve credit repair. But the impact on your credit standing could be hard. Any person who files for bankruptcy will need to wait ten years before clearing his bad record with financial institutions. During this time, your applications for loans, getting a job or new credit cards could be denied.

There are credit repair systems that advertise consolidation of your accounts. In essence, that could mean using the law and filing for bankruptcy. Other credit repair systems will guarantee that you will not lose your property or do not even have to borrow from other to fix your credit. Watch out for these kinds of credit repair systems. They are only out to get money from you, since they do ask for a processing fee, and put you into more trouble with bankruptcy.

If you find yourself needing credit repair, try to fix it yourself first. There are ways to handle a financial crisis like this. One is to talk to your creditors. They may be willing to settle for a compromise through an easier monthly payment scheme.

Two, you can ask for credit repair counseling service. There are institutions that provide those in need of credit repair advice with options on how to earn more money, how to budget and use a debt repayment plan. They often act as middlemen with the creditors, you pay them and they will pay the creditors.

Lastly, you can take out a loan to resolve your credit repair. However, this means that you have to take your house, car, yacht or whatever huge asset you have as collateral. The pressure for credit repair will be passed on to the property but at least you will have a better credit standing which can help you acquire more loans in the future.

Most credit repair systems fail because they only consider the fastest and easiest way to avoid harassment from creditors, foreclosures and repossessions. As the person needing credit repair, you have to realize that fastest may not always mean the best option. The credit repair alternatives mentioned above can help you avoid being going to court for estafa.

If all else fails, filing for bankruptcy is the only credit repair solution left. But do this as a last resort. The effects on your financial standing to the outside word will greatly suffer.

Credit repair can be a hard on anyone. So as much as possible, remember to keep your expenses in check. Try not to take more of what you need. Pay your monthly credit card bills, even if it is only the minimum amount. These simple gestures can insure you won’t have to go through a credit repair scenario in your days.

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