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Articles By j.j. yong

Credit Card Debt Settlement - Ways To Avoid Bankruptcy   By: j.j. yong
Do you know what action will be taken on you if you drag your credit card debts? Most probably your bank or card company will be sending your accounts to the debt collection agency. Consequently, you will be receiving non stop calls from the debt collectors daily to chase for payment. If you still ignore them, the next step your creditor will normally take is suing you for bankruptcy.(read entire article)
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Category : Family

Will Creditors Accept Debt Settlement?   By: j.j. yong
Debt settlement is different from debt consolidation. It is one type of financial solution that involves negotiating a lesser pay off amount to resolve the outstanding balances owed to the creditors. In fact, it is a good attempt for debtors to regain financial freedom. However, is this concept a well accepted alternative to the creditors?(read entire article)
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Category : Family

Is It True That Debt Consolidation Affects Your Credit Score?   By: j.j. yong
Research shows that among all those who've got credit cards, the majority of them are in one kind of debt or another. This comes with poor spending discipline and unfortunate circumstances. There are actually two kinds of debts, secure and unsecure; if you choose to use debt consolidation to eliminate your debt, what you're doing is actually lumping up all your debts into one debt. Now, the question is; would this affect your credit score in any way?(read entire article)
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Category : Family

The Different Types Of Debt Consolidation   By: j.j. yong
With the way many of us spend our money today, it's not surprising to know that the percentage of those in debt is constantly increasing over the years. When you find yourself drowning in debt and want to find a solution; think of debt consolidation.(read entire article)
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Category : Family

How Debt Consolidation Works - Gain Financial Freedom Now   By: j.j. yong
You hear about it, you read it in magazines and newspapers, people talk about, and it's basically everywhere you go. People have turned to debt consolidation as a solution to their financial problems. If you're in knee deep debt and want to look for financial freedom, then you ought to read on and see how it works.(read entire article)
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Category : Family

Top 5 Facts About Debt Settlement   By: j.j. yong
Debt Settlement is the process where people who are in debt, work with their creditors to pay only a certain percentage of the total debt owed as the final settlement amount. In many circumstances, debt settlement is in fact a real option to assist people to relieve some of the debt burden. If you are also considering this financial solution, there are some important facts you need to know.(read entire article)
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Category : Family

How To Obtain Credit Cards After Bankruptcy   By: j.j. yong
There are people who cannot live without credit cards even after they went bankrupt. It is definitely not an easy thing to apply credit cards again after bankruptcy since one has already left a huge negative impact on his credit rating. These are just the people who usually will not be entertained by bank and card companies.(read entire article)
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Category : Family

5 Ways To Raise Your Credit Score   By: j.j. yong
Improving a FICO score takes around one to six months. The duration is affected by the seriousness of the debt issues. How long a negative mark is listed depends on your state's statute of limitations and also the transaction types. On the other hand, positive credit will stay on a report as long as the account remains active.(read entire article)
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Category : Family

Simple Techniques To Remove Derogatory Items From Your Credit Report   By: j.j. yong
Your credit score reflects your credit worthiness in addition to your ability to service the loan. A low credit rating usually means there are some negative items you should get disputed and removed. One of the worst items that might be listed in your credit report is a derogatory comment. Lenders immediately check the derogatory comment section when evaluating an application for either secured or unsecured loans. Therefore you should know your rights in handling these negative comments.(read entire article)
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Category : Family

Steps On Diy Credit Repair To Improve Credit Score   By: j.j. yong
People doubt that whether repairing own credit report can be successful without expert's guidance. Well, in fact, it can be done. It is actually not difficult to improve your credit score and you can save a lot in interest payments later. A DIY credit repair certainly requires you to put your time and effort in it but you will see the results in stabilizing your financial position in the coming years.(read entire article)
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Category : Family