Category Archive: Credit Coaching

Credit Coaching – When Your Personal Information Has Been Compromised

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News of the Target data breach has the millions of cardholders whose card information was compromised worried and enraged. As far as data breaches goes, it’s just the tip of the iceberg, though. In 2012, the Identity Theft Resource Center (ITRC) documented 447 breaches in the United States, exposing 17,317,184 records. In the first half …

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Medical Debt Credit Traps

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Of all the credit problems I hear about – and I hear plenty – none frustrate me as much as problems with medical debt. Even the most responsible and careful consumer can find themselves blindsided by unexpected problems that not only cost them a hefty sum out of pocket but also can trash their credit …

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How to Check out a Debt Relief Organization

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A couple of members have recently asked me for my opinion about a debt relief organization that has contacted them offering debt help for their clients. I don’t know anything about this organization so I asked around among colleagues in the business. None of them had heard of it either. So I looked at their …

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Guest Post – Ways to Build Credit without Relying Solely on Credit Cards

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For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit.   The first …

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Tips for Reward Card Junkies

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Many of your clients don’t have a lot of consumer debt and their credit scores are great. So what credit advice can I offer them?   I’d encourage them to take advantage of their excellent credit to make the most of their reward credit cards. And if they use credit cards but don’t have a …

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Four Underutilized Credit Resources

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I am sure that planners, like me, often hear from consumers with challenging debt or financial problems. Sometimes there are no simple solutions. But other times there are programs or services that can make a big difference. Here are four credit resources that can help many more people than they currently are.   Income Based …

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