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
My Money Five: Making the most of your money starts with five building blocks for managing and growing your money -- The MyMoney Five. Keep these five principles in mind as you make day-to-day decisions and plan your financial goals.
Credit Reports & Scores Information about credit scores and finding and correcting errors in credit reports.
Do you have credit or debt issues? Questions about your loans? Make a 60-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.
How to Reduce Your Debt
Debt: What It Is, How It Works, Types, and Ways to Pay Back
Books
Credit Repair: Make a Plan, Improve Your Credit, Avoid Scams by
Bad credit can get better A bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit report and rebuild your credit. Learn how to: prioritize debts and create a budget reduce debts and cut expenses negotiate with creditors correct credit report errors and remove old information add positive information to your credit report adopt strategies to rebuild your credit, and avoid identity theft and credit repair scams. Updates to the 14th edition of Credit Repair include the new FICO scoring system and federal CARES Act credit reporting guidelines, changes to credit freeze and fraud alert laws, the availability of additional free credit reports during the pandemic, and more. With downloadable forms: Get forms, worksheets, and sample letters--to help you handle debts, clean up your credit, and avoid overspending (details inside).
Call Number: 332.743 LISBN: 9781413326772Publication Date: 2020-10-27
Solve Your Money Troubles: Strategies to Get Out of Debt and Stay That Way by
Struggling with debt? Find solutions here. Conquering overwhelming debt starts with understanding youroptions.Solve Your Money Troubles gives youthe tools you need to get your finances back on track. Learn how to: * stop debt collectorharassment cold * negotiate downyour debt with creditors * reduce yourstudent loan payments, and * create ahealthy financial plan that you can live with. Solve Your Money Troubleshelps you handle the big issues, too. Find out how to: * stop a wagegarnishment from leaving you penniless * get your carback after a repossession * prevent aforeclosure by applying for a loss mitigation program * respond to anaction if you get sued, and * decide if it'stime to wipe the slate clean by filing for bankruptcy. In addition to up-to-date legal information, you'll findpractical tools, such as sample creditor letters and budgeting worksheets.
Call Number: 346.7307 LISBN: 9781413330892Publication Date: 2023-07-25
Debt 101: From Interest Rates and Credit Scores to Student Loans and Debt Payoff Strategies, an Essential Primer on Managing Debt 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: An Amazingly Simple Way to Take Control of Your Finances Once and For All 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
