Emotion and haggling through debt settlement
Here are two things to keep in mind while attempting a debt settlement.
How to Consolidate Credit Cards into a Lower Payment
How can one lower payment replace several high credit card payments?
Saving Money with Coupons
Just spend a little time looking and organizing, and your savings with coupons and rebates can be well worth your time!
What are hard inquiries and why do they matter?
As you looked over your credit report in the past, you probably briefly skimmed the inquiries section. Have you ever wondered how those inquiries affected your credit score?
What is Ginnie Mae?
Do you need to know more about Ginnie Mae? 
Tips to Control Spending
Controlling spending doesn't mean you have to do without.
Paid Collection Still Appearing
Collection records remain even after balances are paid.
Debt management companies in Maryland
Here are some companies you can check out.
Apartments and credit checks
If landlords check your credit first, there may be a fee added to the application.
Lowering Credit Card Debt Begins with Recording your Expenses
Stop taking on new debt to begin with.

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Kenneth Long - (4/10/2012 9:06:34 AM)
RE:bad credit loan
Dear Ronald,

In order to obtain a loan, traditional lenders will require that you have a job with sufficient income as well as reasonable credit. If you have bad credit, it is a good sign that you might want to delay obtaining a loan until you can improve your credit rating. Taking on a large debt balance at a high interest rate is never wise, especially if you are at a lower income level. I would encourage you to delay obtaining a loan if possible until you can improve your credit and possibly your savings as well. Paying off delinquent accounts can improve a bad credit rating. Also, consider utilizing a secured credit card if you have no recent open credit accounts.