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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)
  • Mortgage loan
    • Interest only mortgage loan
    • Second mortgage
    • Mortgage points
  • Trading debt
    • Trading debt equities
  • Offshore Banking
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What is a credit freeze, and when should you use it?

What is a credit freeze, and when should you use it?

February 8, 2026
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Understanding a Credit Freeze A credit freeze, commonly known as a security freeze, provides individuals with the ability to limit access to their credit reports. When a credit freeze is […]

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How to avoid common credit card mistakes.

How to avoid common credit card mistakes.

February 1, 2026
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Understanding Credit Card Terms Before using a credit card, it is crucial to understand the terms and conditions associated with it. Credit cards come with a myriad of provisions, fees, […]

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The role of arbitration in resolving debt issues.

The role of arbitration in resolving debt issues.

January 25, 2026
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The Role of Arbitration in Resolving Debt Issues Debt disputes can often become complex and contentious, making traditional court litigation expensive and time-consuming. Arbitration offers an alternative method for resolving […]

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How to handle debt disputes with creditors.

How to handle debt disputes with creditors.

January 25, 2026
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Understanding Debt Disputes Debt disputes are a common issue that can arise due to a variety of reasons. It is essential to understand the factors that can lead to such […]

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What is debt snowballing, and how does it work?

What is debt snowballing, and how does it work?

January 8, 2026
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Understanding Debt Snowballing Debt snowballing is a methodical debt reduction strategy aimed at systematically reducing debt by focusing on the smallest outstanding balances first. This method is distinguished from the […]

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How to use credit cards to build credit responsibly.

How to use credit cards to build credit responsibly.

January 1, 2026
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Understanding Credit Cards and Credit Scores Using credit cards responsibly can be an effective way to build a solid credit history. A credit score is a numerical representation of your […]

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The role of guarantors in loan agreements.

The role of guarantors in loan agreements.

December 25, 2025
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The Role of Guarantors in Loan Agreements In the financial world, the concept of a guarantor plays a pivotal role in various loan agreements. A guarantor is a person or […]

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Understanding mortgage loans and their repayment terms.

Understanding mortgage loans and their repayment terms.

December 25, 2025
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Introduction to Mortgage Loans Mortgage loans are a longstanding and popular method for individuals aiming to finance the purchase of a home. These loans are typically secured by the real […]

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How to handle joint debts after a divorce.

How to handle joint debts after a divorce.

December 4, 2025
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Understanding Joint Debts Divorce is often accompanied by numerous challenges, not least of which is the division of financial responsibilities, particularly joint debts. These liabilities are typically incurred by both […]

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The impact of inflation on loans and credit.

The impact of inflation on loans and credit.

November 27, 2025
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The Influence of Inflation on Loans and Credit Inflation, which refers to the rate at which the general level of prices for goods and services rises, plays a crucial role […]

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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
  • Trading debt
    • Trading debt equities
  • Offshore Banking
    • Offshore brokers
  • Contact ACE
  • Resources

Latest

  • What is a credit freeze, and when should you use it?
  • How to avoid common credit card mistakes.
  • The role of arbitration in resolving debt issues.
  • How to handle debt disputes with creditors.
  • What is debt snowballing, and how does it work?

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