Identity Theft Archive for October, 2009

• Debt Management Plan – A Closer Look

  by Ruth Racey

  Americans hate waking up everyday thinking about debts and the collection agents that haunt them every minute of their busy lives. They hope to get rid of all of these without resorting to filing bankruptcy, which leaves a very low rating on their credit reports. If you are one of … (more) October 26, 2009

• 3 Different Approaches to General Tax Planning

  by Ruth Racey

  As an employee, understanding that certain deductions are made before receiving your net pay is necessary. These deductions are called income tax and they are necessary for you to serve your purpose as a taxpayer. You also have to accept the fact that every penny counts because you may never … (more) October 25, 2009

• Say No to interest rate reduction pranks!

  by Ruth Racey

  Because of the confusion of consumers over rising credit card interest rates, many have already become casualties of an old scam that has reached new heights today. This new scam involves a live person or sometimes a recorded message from a certain business who will contact a consumer to offer … (more) October 24, 2009

• Is it time for me to modify my home loan?

  by Ruth Racey

  Obviously, it is impossible to have a stable amount of income or a steady house payment for a long time. However, in case you are beginning to experience something like that now, you can apply for a mortgage loan modification right away. Call your lender and ask for help if … (more) October 23, 2009

• Is asking for a lower credit card interest rate a good idea?

  by Ruth Racey

  Yes it is, just make sure you can pay the minimum fee using your current interest rate. Before the credit crisis, clients were encouraged to request lower rates as rewards for their consistency for paying on time. However, with the current mess the credit card industry is facing, that would … (more) October 22, 2009