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An introduction to credit
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  • What is credit?
    • Credit Scores
    • Credit utilization ratio
    • What is a creditor?
  • Credit card pitfalls
    • Charity credit card
    • Credit cards for young people
    • Benefits of having a credit card
    • Common credit card scams
  • Home equity line of credit (HELOC)
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Month: July 2025

The impact of bankruptcy on loan and credit.

The impact of bankruptcy on loan and credit.

July 29, 2025
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The Impact of Bankruptcy on Loans and Credit When individuals or businesses face financial distress, bankruptcy can emerge as a viable legal remedy. While it offers a fresh start, bankruptcy […]

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What is a home equity loan, and how does it work?

What is a home equity loan, and how does it work?

July 22, 2025
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Understanding Home Equity Loans A home equity loan is a financial tool that enables homeowners to tap into the equity they have built up in their homes. This kind of […]

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Understanding federal vs. private student loans.

Understanding federal vs. private student loans.

July 15, 2025
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Federal Student Loans Federal student loans serve as a primary source of financial assistance for students pursuing higher education. The government provides these loans, which are characterized by features that […]

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The pros and cons of balance transfer credit cards.

The pros and cons of balance transfer credit cards.

July 8, 2025
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Understanding Balance Transfer Credit Cards Balance transfer credit cards serve as a financial tool designed to help individuals manage their existing credit card debt more effectively. By shifting the balance […]

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How to refinance a loan for better terms.

How to refinance a loan for better terms.

July 1, 2025
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Understanding Loan Refinancing Refinancing a loan involves the process of obtaining a new loan to pay off an existing one. Generally, individuals opt to refinance their loans to secure better […]

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Avoid the credit trap

An introduction to credit

  • What is credit?
    • Credit Scores
    • Credit utilization ratio
    • What is a creditor?
  • Credit card pitfalls
    • Charity credit card
    • Credit cards for young people
    • Benefits of having a credit card
    • Common credit card scams
  • Home equity line of credit (HELOC)
  • Mortgage loan
    • Interest only mortgage loan
    • Second mortgage
    • Mortgage points
  • Offshore Banking
  • Contact ACE
  • Resources

Latest

  • Steps to handle creditor harassment.
  • How to avoid predatory lending practices.
  • The impact of bankruptcy on loan and credit.
  • What is a home equity loan, and how does it work?
  • Understanding federal vs. private student loans.

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