Archive for the ‘Debt Consolidation’ Category

posted by on Jan 2

Suze Orman is one of the country’s top financial advisors as well as a writer of many best-selling books and a television personality. The Suze Orman Show is on CNBC. She has written 6 books that have all hit the New York Times Best Seller list each time. She has also written, co-produced and hosted 6 PBS specials based on her books. She is also the top seller when she does hosting duties on QVC. In 2004 and 2006, Suze won 2 Daytime Emmy Awards for Outstanding Service Show for her then PBS shows. She was chosen by Time magazine as one of the most influential people in the world in 2007.

Suze Orman’s FICO® Kit Platinum is a great investment, in my opinion. Many people have debt and everyone has debt questions. This FICO Kit is designed by Suzy to help anyone manage her debt and answer the questions you have about your debt status. I was on the verge of filing bankruptcy, I decided to go on to the MyFico website and purchase the Suze Orman’s FICO® Kit Platinum for $49.95. First of all, I was surprised at the price. The fact that the FICO kit was less than 100 dollars was really surprising to me.95 or so but it was surprisingly inexpensive for what you get.

The Suze Orman’s FICO Kit Platinum was very easy to install. All you need to do is put the CD into your computer and it will take you to a page where you enter some personal data so you can get access to your FICO score. You can choose to get your credit score from any of the three credit bureaus. It is important to know your FICO score because it will help you to make wise financial decision in the future. So my score was pretty low and I was able to view my credit report and see why.

Once you purchase Suze Orman’s FICO Kit, you get a fifteen digit activation code to activate the entire program. The kit has a personal coaching guide that teaches you step-by-step how to get out of debt. You get 12 months of coaching from Suze from the time you activate the software. The cool thing about the coaching is that you learn how to improve your FICO score with tips from Suze and then take what you learn and plug it into a simulator and see how much you’re FICO score will improve if you take those steps. How awesome is that?

Other nice features of the Suze Orman FICO Kit include a personalized action planner page. It takes all the information that you plugged in and gives you steps on what you need to do to get your FICO score higher. Another page asks you all your credit card info. Once you put all that information in the system, it tells you how much you need to pay each credit card and how long it will take you to pay off your credit cards. It also shows you how long it would take you to pay off those same credit cards if you were only paying the minimum amount.

I hope you have enjoyed this review of Suze Orman FICO Score Kit.

posted by on Dec 30

debt consolidation
jenny asked:


my husband and i have found ourselves with overwhelming credit card debt….i have looked into debt consolidation programs but my husband says that if you do one of these programs it hurts your credit rating…is that true? does it show up on your credit report? and has anyone participated in one? was it worth it? did it help you? are there any risks??? what company did you go with?

Thanks!

posted by on Dec 30

debt consolidation
lawn1016 asked:


Can you enter only 2 cards into a Debt Consolidation Program?? They are both high balances…one is $7500 & the other is $8500
I’m not talking about debt negociation…just consolidating so I only have 1 payment.

posted by on Dec 30

debt consolidation
originale_tees asked:


I am thinking about signing on with them but not sure. If you have used them tell me about your experience with them.

posted by on Dec 29

debt consolidation
manders17723 asked:


If i call one of those debt places to get my credit card bills paid off, does that go on your credit report or make it hard to get new credit cards?

posted by on Dec 29

debt consolidation
monkeemyspace asked:


I have several personal loans out. My monthly payments add up to about 800 a month, i only make a 1000. I’m not behind on payments but i cant keep up much longer. I cant seem to get any local banks to even listen to me. They also ping my credit report every single time i tried to get a loan so now i have even more negativity on my report. I can afford 300 a month or less to pay on a consolidation loan. Anyone know a loan company or debt consolidation company that will actually listen to me and not just look at my credit score?
I make 200 a week, thats good pay for my area. I dont have a single credit card. Never have.

posted by on Dec 29

Sometimes, the debt loans can affect your financial status so much that you need a single credit loan to consolidate them and solve the problem. In order to make this possible you´ll have to use a credit card debt consolidation program.

If everything goes according to plan you will be more relaxed leaving behind all the creditors and the payment schedules.

A credit card debt consolidation program helps you obtain a better new loan that will pay off your previous ones. This means that you´ll benefit from fixed interest rates that will keep you safe from this new interest rising madness out there.

There are several companies that offer great credit debt consolidation services. If you ask them for help you´ll be able to solve the problem with your credit card debt and make the high interest rates history.

Nowadays many people use credit cards because the risks surrounding them are very low. In other words a credit card will become your best shopping buddy as long as you pay your dues in time. If you find yourself in debt you´ll have to get accustomed receiving calls from your creditors from time to time.

If you want to put all this behind and deal with only one creditor then the best thing for you to do is to obtain a credit card debt consolidation. You won´t have to keep track of all creditors and each amount due. Not to mention that you´ll benefit from low interest rates also known as lower instalments. The security of the loan is entirely your choice.

You can go online and selects the best online loan services or if you´re a traditional person you can ask a local creditor for help. Either way you should pay attention to all the details about your debt consolidation because you´re playing with your money.

Discover how to get the best unsecured credit card debt consolidation online. Visit my credit card consolidation loans site for more information.

posted by on Dec 26

debt consolidation
Phyllis S asked:


I want to refinance and include my home equity loan and get extra money for a new car. What is the right option?

posted by on Dec 26

debt consolidation
Naterz asked:


Creditor = Capital One
Debt Consolidation Worksheet
Balance Transfer Fee = $0; Interest 7.9%

•First National Credit Card
Account number = NOT 4 U TO KNO
Amount = $150.00; Payment = Remaining Amount (4/18/08); New Balance =$0
First National Credit Card
PO Box 5097
Sioux Falls, SD 57117-5097

•Direct Rewards Platinum
Account number = NOT 4 U TO KNO
Amount = $43.54; Payment =$79.56; New Balance = $0
Payment Center
PO Box 17313
Baltimore, MD 21297-1313

•When account is reported on May’s credit reports, my available credit will be roughly, excluding no pending charges will be roughly 74%. My debt on this card is roughly 25% to the available credit limit.
Capital One Credit Limit = $750.00
Available Credit = $556.46
Balance = $193.54

My credit score now is a 687….
Will there be an increase doing this?
The only negative factors on my credit report is 27 inquiries last year =/………Yea, I needed credit badly….
And short payments history
Im only 20 tho

posted by on Dec 25

debt consolidation
arlvsrf asked:


i dont have much debt, maybe around £5,000-£6,000. i have a baby on the way in december tioo so didnt want any debt - I have applied for one or two loans with no joy so am considering Debt Consolidation -
1. does this affect my credit rating?
2. is it a good idea
3. can i have your personal experiences and with what companies?
4. also can anyone recommend any DECENT loan conmpanies for not so good credit rating?
HELP!
thank you.
Debt managemebnt i think is what i ment - I DO NOT WANT TO SECURE AGAINST ANYTHING