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An introduction to credit
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    • Credit utilization ratio
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Month: August 2025

Steps to handle creditor harassment.

Steps to handle creditor harassment.

August 12, 2025
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Understanding Creditor Harassment Before diving into the steps to handle creditor harassment, it’s crucial to understand what it entails. Creditor harassment occurs when debt collectors use aggressive, threatening, or coercive […]

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How to avoid predatory lending practices.

How to avoid predatory lending practices.

August 5, 2025
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Understanding Predatory Lending Predatory lending involves unethical, deceptive, or fraudulent practices by lenders during the process of loan origination. Such practices are primarily designed to benefit the lender at the […]

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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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