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Posts Tagged ‘Credit Score’

Managing Debt in Today’s Economic Crisis

Thursday, October 2nd, 2008

In times like these with economic turmoil surrounding us with higher prices for normal everyday living, we often find ourselves with more debt than we can manage on a monthly basis.  Getting deeper in debt is not the answer and in a financial crisis we may not even have that option any longer.  So what can we do to survive and salvage our credit ratings in times of trouble?

We’ve demonstrated in The Credit Robbers, you can manage your credit profile in a do-it-yourself fashion.  But that’s not always the way of wisdom when it comes to debt management in times of crisis.   Debt and Credit counseling is one solution that makes sense, but you must be cautious in choosing where you go for counseling.

As Investigations Analysts, our staff spent many hours researching the field of debt management, counseling options, and credit repair.  One of the best resources we found involves an online community effort at  Debt Consolidation Care.  It’s the internet’s first “Get Out of Debt” Community with more than 127,000 members helping one another find solutions for their debt management problems.

Visiting their forums and reviewing the many articles on debt related problems is like having your own personal library of credit and debt solutions. 

How does it work?  When and where should you go for credit counseling? How will it affect my credit score?   Can it really reduce your debt or is it just another scam to grab more of your hard earned money?  You’ll find good answers to these questions whether you’re a student with credit card debt, an overextended wage earner, or a home owner with mortgages exceeding the value of your home by visiting this valuable community at www.debtconsolidationcare.com.

Drop us an email and let us know about your experience, our research and investigations teams are always looking for the best resources to keep you on the path to financial prosperity.

Dr. Robert Miller, Ph.D.
Investigations Analyst
www.TheCreditRobbers.com

Contact Us: Send a FormMail Message

The Credit Robbers - Debt Elimination and Setting Goals

Wednesday, April 30th, 2008

Credit Robbers Blog Home 

Debt Elimination and Setting GoalsThe quickest way to achieve your goal of reducing and eliminating your debt is to actually set some goals in the first place.

Unless you have a specific goal in mind then it is all too easy to drift and not focus on the task of reducing your debt; and with debt comes your credit and credit repair.

The best way to set goals is to sit down with a pen and paper and actually write down what you want to achieve. Once it is in writing you can refer back to it and adjust your goals along the way.

Having written goals to look at is an incentive to achieve more and do better than normal.

It has been shown in many tests that this is the quickest and best way for people to actually achieve their goals.

You should make your goals realistic and have long term and short term goals.

So when you are writing down these goals, you should determine where you want to be in a year’s time or even five or 10 years time.

You should also set goals that you will like to achieve in the next week or month and that might be something as minor as being able to cope with the current budget that you set yourself for your food shopping.

Once you achieve a goal - even a small one - you are well on the road to success in achieving your bigger goals and as you see more and more of these goals become achievable it will build your confidence to get out of debt and to maintain that debt free status for the rest of your life.

No matter how small these achievements might be you need to consider the fact that it was all those small extra items that you purchased along the way that got you into debt in the first place and reversing the trend by making small changes in a positive direction will go a long way to eliminating your debt before you realize it.

By eliminating any and all of your debt, your credit rating, FICO® credit score, and credit report will improve over time.

Dr. Robert Miller, Ph.D.
Investigations Analyst
www.TheCreditRobbers.com

Contact Us: Send a FormMail Message

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