Debt Cures – Get A Better Credit Score

Hello-

One of the best “debt cures” out there is a better credit score. With a high credit score, you can get the lowest interest rates on your car loans, your home loan, your credit cards, and your auto and home insurance.

You can save hundreds of dollars a month by refinancing your car and home loans with a better credit score.

If you do not know what your credit score is then you will not know how much higher you need to go to qualify for the best rates.

When you get your free credit report and credit score you can make sure you are not a victim of identity theft, Kevin Trudeau’s 2 magic words, which may be lowering your credit score.

You can check your credit file for inaccurate information or old debts that should have been removed but never were.

You have to keep in mind it’s not in the best interest of the credit reporting agencies to make sure your credit report is error free.

The banks and credit card companies make more money charging higher interest rates for people with a spotty credit report and a few late payments on their accounts.

Nothing lowers your credit score more than late payments.  On the flip side, you can improve your credit score the most by making all your payments on time.

Get a free look at your credit score and see where you stand.

Another one of the best debt cures out there is making more money. You can still make money with Hubpages. Last month I made $269.82 from Google Adsense with my Hubpages that I created months ago. They are still making me money every month and I only had to create them once.

Work once and get paid over and over. An extra couple hundred bucks a month is always nice.

You do not have to just create Hubpages, there are hundreds of work from home business opportunities out there.

You can make more money in your spare time, you just have to put in the work.

Those are 2 of the best debt cures I know.

Have a great day!

-Adam

Debt Cures Reviews

How Fast Can You Get Out Of Credit Card Debt in 2010?

Hello-

Even though Christmas is right around the corner, it’s hard for me to get excited about the holiday season as I have so much credit card debt that I would be happy to give away to someone else. And I know I’m not alone. And you are not alone if you are struggling with massive credit card debt that it’s hard to think about anything else. But there is hope. There is plenty of help out there.

To start with, you can get a free debt analysis from Care One Credit counseling. They have experience with over 4.5 million people working out debt solutions for their problems. They have a custom solution for you. You can get a free debt consolidation quote online with no obligation and find out how much you can save. You may just find out that debt consolidation is not the right program for you.

Once you realize that you can get out of your credit card bills faster than you thought you could, the sun may shine a little brighter for you.

Why debt consolidation over bankruptcy or debt settlement? Because of the massive prevalence of scams out there, you may feel that either one of these options is not for you. And that is okay. Debt consolidation can help you with your medical bills, student loans, unsecured personal loans, and of course your credit card debts. You do not have to do anything you do not understand or feel comfortable with. You can get a free debt consolidation quote and find out what you can save per month with a lower interest rate and how soon you can get all your bills paid off.

You can get a fresh start in 2010 and beyond.

Have a great day!

-Adam

Debt Cures Reviews

Recommended Resources:

How To Consolidate Credit Card Debt Even With Bad Credit Without A Debt Consolidation Loan

When you think of debt consolidation usually you think of getting a new loan to consolidate all your bills and then making just one payment a month.  But what if you have bad credit?  How can you qualify for a low rate debt consolidation loan?  You will not be able to save much money if any because the interest rate will be similar or possibly even higher than what you are currently paying on your different credit cards.  So how can you get out of debt?

If you have bad credit and you still want to consolidate your debt then there is still hope available.  Care One Credit Counseling is one of the best debt consolidation companies around and does not lend money.  They can help you lower your interest rates, reduce your monthly payment, waive late fees, and eliminate debt collection calls.  Best of all they do not make debt consolidation loans.  So they can help you if you have bad or horrible credit.  You can talk to them for free and see how much you can save with their debt consolidation plans.

Why would you want to get a debt consolidation loan in the first place?  You are already overextended on your current available credit so you do not need any more.  Using a program from Care One Credit Counseling is a better option.  And their plans are very affordable.  The monthly fee varies by state but it is in line with other credit counseling programs.  And when you compare it against the monthly interest charges of a debt consolidation loan it makes even more sense.

While I still believe debt settlement is the best way to eliminate your credit card debt if you are struggling with your bills, many people are still wary of using this option because of all the scams out there and it is understandable.  Debt consolidation is the next best plan.  Get a free debt consolidation quote from Care One Credit Counseling and see how much you can save.

-Adam

Debt Cures Reviews

And speaking of Debt Cures and Kevin Trudeau, Debt Cures 2 has been released and it is on all the late night infomercials again along with Kevin’s other book, Free Money, and I will be reviewing these once I get ahold of my copies. Kevin is taking 3-5 weeks to ship the books even though you pay $12.00 shipping and handling for each one.  I don’t feel like paying an extra $10.00 for rush shipping and handling. So when I get my copies of Debt Cures 2 and Kevin’s Free Money I will start posting the reviews of his latest books.

Recommended Resources:

Are you struggling with paying down credit card debt? Looking for debt cures?

Why does it seem like it is so hard to get out of credit card debt? Could it be that any late fee or over the limit fee negates any progress you might have made this month? You could be a on-time payer for years and just miss one payment by a few days and have your interest rate double or worse.

The credit card companies have no problem kicking you when you’re down. If you miss one or two payments they will cut your credit card limit to within a few dollars of your current balance so if you continue to miss payments they will sock you with $78 in fees each month you miss. You get charged a $39 late fee and a $39 over the limit fee. Not to mention your interest rate will probably hover around 29% which makes it almost impossible to pay down credit card debt.

For situations like this is why Kevin Trudeau comes out what a book promising Debt Cures that can get the credit card companies off your back, waive late fees and other fees, and reduce your interest rates, and help you eliminate your credit card debt. Not to mention the possibility of getting free money from the government. He now has a new book called Free Money that goes into more depth on getting your free money.

So how do you pay down and eliminate your credit card debt? Well for one thing if you are struggling to come up with the minimum payment right now, you are not going to save your way out of debt. You’ll be saving money and earning 1% interest at most while paying up to 29% in interest on your debt. There is just no way you can get ahead this way.

You may already be working a second job and it still may not be enough. What this economy it is hard to make extra money but that does not mean it is impossible. I’m still making a couple hundred dollars extra per month with the Hubpages I created a few months ago.

Bankruptcy and debt settlement are also options. I’ve discussed the pros and cons of each in a previous post. One thing I forgot to mention to was that if you are on a fixed income, bankruptcy may be a better option than debt settlement. You can find out by getting a free bankruptcy evaluation. But other than that, debt settlement is a better way to get debt relief without all the consequences of filing bankruptcy.

A question you may be asking is why don’t the credit card companies lower my interest rate when I call them? The credit card companies are not going to work with you if you are a good customer. They have no reason to lower your interest rate if you are paying on time every month because you are making them money. It is only when you fall behind on your payments that they risk losing money on your account. This is when they will start working with you and offering hardship arrangements and lowering your interest rates.

To sum up, those are your options for paying down credit card debt. Make more money through a second job or freelance work and use bankruptcy or debt settlement to reduce your balances. Those are the debt cures that work. You can learn a little bit more about them by getting Kevin Trudeau’s book or just reading several posts on this site. I’ve reviewed the entire book chapter by chapter for you.

Thanks for reading.

Have a great day,

Adam Tijerina

Debt Cures Reviews