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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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How to choose the best credit card for your needs.

How to choose the best credit card for your needs.

June 3, 2025
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Understanding Your Spending Habits Before selecting a credit card, it is imperative to have a comprehensive understanding of your spending habits. This involves evaluating your regular expenses and identifying specific […]

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What is a charge-off, and how does it affect your credit?

What is a charge-off, and how does it affect your credit?

May 27, 2025
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Understanding Charge-Offs A charge-off is a financial term that describes a situation where a lender has declared a particular debt as unlikely to be collected. This typically occurs after a […]

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The pros and cons of debt settlement.

The pros and cons of debt settlement.

May 20, 2025
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Understanding Debt Settlement Debt settlement is a financial strategy employed by individuals to alleviate outstanding unsecured debt. This approach involves negotiating with creditors to reduce the total amount owed, presenting […]

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How to handle loan repayment during financial hardship.

How to handle loan repayment during financial hardship.

May 13, 2025
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Understanding Loan Repayment Challenges During periods of financial hardship, managing loan repayment can become particularly daunting. It’s crucial to navigate this situation with a clear understanding of available options, rights, […]

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Legal protections for borrowers in the US.

Legal protections for borrowers in the US.

May 6, 2025
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Overview of Legal Protections for Borrowers in the U.S. In the United States, borrowers benefit from a range of legal protections designed to promote fair lending practices and shield consumers […]

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How to negotiate better terms on a personal loan.

How to negotiate better terms on a personal loan.

April 29, 2025
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Understanding the Basics of Personal Loans Before attempting to negotiate better terms on a personal loan, it’s essential to understand the basic elements that comprise such loans. These elements include […]

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Understanding the role of co-signers in loan approval.

Understanding the role of co-signers in loan approval.

April 22, 2025
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Understanding the Role of Co-signers in Loan Approval When applying for a loan, you might encounter the option or requirement to have a co-signer. Understanding the role of a co-signer […]

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The difference between fixed and variable interest rates.

The difference between fixed and variable interest rates.

April 15, 2025
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Understanding Fixed and Variable Interest Rates When taking out a loan or mortgage, understanding the type of interest rate can significantly impact your financial planning. The two main types of […]

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How to calculate loan payments with a loan calculator.

How to calculate loan payments with a loan calculator.

April 8, 2025
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Understanding Loan Calculators Loan calculators serve as a practical and efficient resource for anyone looking to borrow money, as they allow users to understand the financial implications of their potential […]

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What is a debt management plan, and how does it help?

What is a debt management plan, and how does it help?

April 1, 2025
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Understanding Debt Management Plans A Debt Management Plan (DMP) is a well-organized repayment program that aims to help individuals manage their unsecured debt more effectively. These plans are most often […]

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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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