Bad Credit Information

Having bad credit can be a real pain, but you can soon find yourself on the way to good credit again. Know where to go, what questions to ask, and what to expect. You can find solutions to the questions to your problems right here.

For example, find out how to rebuild your credit, how to deal with bad credit and repossession, what 3 things lead to bad credit, how to use a secured credit card to your advantage, where and how to get a bad credit loan, and how to fix bad credit. We'll guide you in the right financial direction.

Do you need a credit card for poor credit, or a bad credit master card? Look no further.

These and many other articles concerning bad credit solutions are completely free for you to read and are intended to shed some light on, and help you, to improve any bad credit situation.

If you need a cell phone plan for bad credit, we can help you there as well.

Though we are in no way giving you legal advice, please browse around our website to get information that may be beneficial to you. We recommend you consult an attorney if you are experiencing dire financial difficulties.

Do You Have Bad Credit?

The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money owed for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.

Consumer Credit Information

The Credit Practices Rule
The Rule prohibits many creditors from including certain provisions in consumer credit contracts. It also requires creditors to provide a written notice to consumers before they cosign obligations for others about their potential liability if the other person fails to pay.

Credit and Financial News
Program helps get drivers good car loans, rebuild bad credit (The Nashua Telegraph)
Every other month Trina Robinson was pouring money into repairs for her 10-year-old Chevy Lumina: $200 here, $300 there for failing ball joints, wheel bearings, struts. The costs -- $3,000 in one year alone -- were eating into her paycheck and running up the credit card bills. ... - By KATHY McCORMACK The Associated Press

Despite global rate cuts and cash injections, banks keep hoarding cash, a bad sign for credit (Minneapolis-St. Paul Star Tribune)
NEW YORK - Governments around the world have slashed interest rates and ramped up their lending to unprecendented levels, but banks are still charging each other extremely high borrowing rates — a bad sign for the credit markets that remain close to paralysis.

Software Deals May Heat Up, Analyst Says (New York Times)
The recent market turmoil has been generally bad news for deal-makers: Tight credit makes acquisitions hard to fund, and seesawing stock prices make them hard to price.

Have Good Credit? Still Difficult To Get Loan (WSB-TV 2 Atlanta)
There's a mortgage crisis of a different sort in metro Atlanta for those who have good credit and money in the bank -- loan applicants who used to qualify easily are now sweating it out.

Obama Proposes Tax-free IRA Withdraws, New Tax Credit (Fox News)
Obama Proposes Tax-free IRA Withdraws, New Tax Credit

Students Feel the Credit Crisis (WCTV Tallahassee)
The nation is facing a credit crisis. Now, the crunch has trickled down to college students seeking loans.

Credit Suisse Shuffles Home-builder Ratings (Fox News)
Credit Suisse Shuffles Home-builder Ratings

Global Credit Crunch Takes Toll on State Economies (The Online NewsHour)
Wall Street's credit freeze sparked a global economic crisis and forced U.S. cities and states to tighten their budgets. Elizabeth Brackett reports on the financial woes in Illinois then Chris Hoene of the National League of Cities explains the national downturn.

Cities can’t avoid global credit crunch (La Crosse Tribune)
Local governments looking to borrow amid a global credit crisis are finding that the options available to them months or even weeks ago have evaporated.

U.S. stocks up 8% after credit-crisis countermeasures (CBC via Yahoo! Canada News)
U.S. stock indexes were up more than eight per cent in afternoon trading Monday as governments around the world committed trillions to easing the global credit freeze.