Credit and Debt
Know the difference between how much you owe (debt) and how much you can borrow (credit). Learn how to manage both to avoid financial trouble. Understand how credit scores are calculated.
Find advice and help with credit cards and credit scores, as well as what to do when faced with debt problems.
Credit
Borrowing Money From MyMoney.gov, discover ways to use credit wisely.
Credit Reports & Scores Information about credit scores and finding and correcting errors in credit reports.
Do you have a credit or debt issues? Questions about your loans? Make a 90-minute phone appointment with a counselor from the Financial Coaching Corps, Community Service Society of NY. Click Here to schedule your appointment and a counselor will contact you.
Video
Debt
How to Reduce Your Debt A step by step guide from the Consumer Finance Protection Bureau (CFPB) to reduce your debt.
Books
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Debt 101 by Get out of debt and use credit wisely with this easy-to-understand, comprehensive guide to making your debt work for you. The key to borrowing, managing, and paying off debt is understanding what it is, how it works and how it can affect your finances and your life. Debt 101 is the easy-to-follow guide to discovering how to pay off the debt you have plus learning how to use debt to your advantage. Debt 101 allows you to take control of your money with strategies best suited for your personal financial situation--whether you are buying a home or paying off student loans. You will learn the ins and outs of borrowing in a simple, straightforward manner, managing student loans and credit card debt, improving your credit score, understanding interest rates, good debt vs. bad debt, and so much more. Finally, you can get ahead of the incoming bills and never let your debt intimidate you again!ISBN: 9781507212677Publication Date: 2020-02-11 -
101 Ways to Get Out of Debt and on the Road to Wealth by 101 Ways to Get Out Of Debt and On the Road to Wealth is the ultimate handbook for anybody who wants to get out of debt and stay out of debt. This book will provide you with an insider's knowledge of how to beat the lenders at their own game. Inside you will find 101 practical and proven methods that anybody can use to master their debt. Best-selling author Ashley Ormond shows you how to conquer all types of debt, including mortgages, credit cards, car loans, personal loans, investment loans and small business loans. In this book you will learn how to: save a fortune in interest get out of debt years earlier decide which debts to attack first find the best lending deals for your needs manage repayment problems. Ashley Ormond's common-sense approach will get you debt free and on the road to wealth in no time -- and that means more control over your life, less stress, and greater long-term security for you and your family.ISBN: 9781118319543Publication Date: 2012-01-27 -
The Debt-Free Spending Plan by It can seem impossible to find a way out of debt--and the more complicated the proposed solution, the harder it is to stick with it. That's why The Debt-Free Spending Plan is SIMPLE. Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn't require you to sift through chapters of high-minded financial advice or dig up your past spending history. It doesn't matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, you'll learn how to downsize expenses without feeling deprived, allocate money as it comes in, put together an easy-to-manage bill-paying plan, adjust for inevitable overspending, pay off debt without gouging expenses, and (believe it or not) start saving. In just five minutes a day, you'll find yourself on the road to financial freedom before the next billing cycle.ISBN: 9780814432440Publication Date: 2012-10-10
