My Fico Score Watch Makes Keeping Track of Your Credit Score Automatic

You have a very busy life. There are so many things you need to keep track of. Picking up your kids from school, going grocery shopping, paying your bills on time, getting enough exercise, are just a few examples of the complexities of life. How then are you supposed to do all that AND stay up-to-date with every aspect of your finances?

MyFico Score Watch helps you do just that by giving you one central and automated place to keep track of you FICO scores and your credit reports.
Score Watch Benefits:

• Score Watch automatically keeps track of your credit report on a daily basis and your FICO score weekly.
• Has the ability to alert you via email or even SMS when there is an unexpected change to your credit that would negatively affect your FICO score.
• You can set a target score you want to reach and MyFICO Score Watch will alert you when you’ve reached it. It will also alert you when you qualify for better interest rates
• Your membership with MyFico Score Watch® entitles you to two credit reports from Equifax yearly that you can review and save for future reference or to dispute incorrect data.

Why is it so important to keep track of your FICO Score?

Your FICO Score is how money lending agency like mortgage bankers and credit card companies rate you. Your FICO score is made up of a lot of different statistics and the score plays a major part on the interest rates you can qualify for. If your score raises you should be entitles to a better rate and if your score drops you many get penalized.

What Makes Up Your FICO Score?

There are many different things your FICO score is made up of and that My Fico Score Watch® monitors but a few of the most influential ones are:

• Payment history for any previous debt
• Amounts owed on current loans and credit cards
• Length of credit history
• New credit received
• Types of Credit Used

With all these factors it’s clear that you need help keeping up with all this information. How would if feel if you could just put all your credit reporting and tracking on autopilot? Well now you can with MyFico Score Watch®!

Consumer Debt Relief Agency

When someone is facing debt that they just can no longer maintain, it can be hard to pick which consumer debt relief agency to go with as there are often so many of them out there to pick from. Each consumer debt relief program states that they can have you debt free in no time but can they all really do that and who has the better plan in order to even try and make that happen? The only way to find out for sure is by contacting each one individually and talk with them about your personal situation. While each consumer debt relief program has their own way of doing things, they all have the same intentions in mind and that is to make you debt free.

It may surprise some people that many of the consumer debt relief companies are funded by lenders, including credit card companies while still collecting a service fee from those they claim to be helping. Before agreeing to a contract with a consumer debt relief counselor, you should know who owns the company and where the loyalty of the workers is focused. A company owned by a credit card company, likely will be more focused on recovering as much of the owner's money as possible as opposed to helping the debtor out of their current jam.

Other than bankruptcy court, there are no consumer debt relief agencies operated by the government, but they do have to follow existing rules concerning fair credit collection laws as well as outright fraud. A few companies have opened their doors, collected initial fess from customers and then disappeared without doing any actual work on behalf of their clients.

Many companies tout their services as be not for profit, indicating they will not make money from the people they are claiming to help. Actually, it is quite easy for neatly every business to be non-profit provided their expenses are equal to their income. Some of the consumer debt relief companies keep from making profits by ballooning their expenses, such as those use to pay the salaries of their administrators, some of which make over a million dollars a year.

With just about everyone having a blog, it is becoming much easier to see what other people went through with a particular company or service. It is no longer as easy as it once was to hide the facts of bad customer service as customers are taking a stand and speaking up in order to warn others.

Now while you have to remember that not every single consumer debt relief program will work for everyone, you also have to remember that maybe someone picked the wrong type of consumer debt relief program and that is why his or her problems were not solved. There is always going to be someone who is unhappy with their consumer debt relief program so what you want to look for is a lot of people complaining about the company, not just one. So by taking a little bit of time and researching companies, you can save yourself a lot of trouble because you were able to learn from someone else's mistakes.

Get more info on debt relief and loans go to Online Credit Card Transactions as well as visit Debt Relief Clinic

Use Extreme Caution When Choosing a Credit Repair Company

There are many credit repair rip-offs to watch out for. These deals usually promise help with damaged credit, but what usually happens it that they charge far too much, get you into an illegal situation, or otherwise make your financial situation worse. Watch out for the most common of them.

1) Companies that suggest that you lie on an application for a loan or urge you to get a second identity. This could get you in trouble, in addition to being just plain dishonest. Should you find that a credit repair company is trying to get you to apply for a loan or credit with false or misleading information, you now know to disassociate yourself from them.

You could be charged with fraud if you allow this to happen, and it will be your responsibility for these actions, even if it was at the suggestion of the credit repair company. It would be very unpleasant, to say the least, to have to deal with both credit and legal problems at the same time.

1) Repair companies that bill you for doing work that you could have done for yourself – like putting together a monthly budget. Also, up front charges should make you concerned about the company.

There is an abundance of great information online for anyone wanting to eliminate credit card debt and repair their credit. Make the most of this information prior to paying someone to help you.

1) Credit repair companies that take money from you for the purpose of paying your creditors, and keep it in an escrow account. This is a huge problem for debtors, since it is a scam.

Here’s how it works: you give money to the repair company who is supposed to use it to pay off debts. The company places the funds in escrow where is grows. The notion is that the company is to use the money to settle your debts once the account grows to the same amount as your debts. The problem is that the company may be taking money out of the escrow account to pay themselves administrative fees, but your creditors are getting nothing, so your interest charges could be increasing and the creditors may even initiate legal action. The result of all of this is that your credit rating could suffer even more.

1) Credit companies that do too much talking and too little listening to your concerns, that want you to sign a contract you did not read, or that try to pressure you. These types of companies can’t be trusted and you should move on to someone that can be.

5) Credit repair companies that offer fast or even “instant” credit repair – no matter the current condition of you credit. This is a misleading claim that no legitimate credit repair company can deliver on. As a matter of fact, fully repairing a bad credit history can sometimes take years no matter what the company claims. It is generally best to focus you attention mostly on how to eliminate credit card debt, knowing that your credit history will improve over time as a result.

In many cases, credit repair companies will suggest that they can remove items reflecting poor credit from your credit history through a process of disputes. This information is not to be believed. Information in your credit report cannot simply be removed if that information is true and accurate. Even though a credit bureau must investigate claims of inaccurate information within thirty days, this does not mean that the information will automatically be removed. Refuse to do business with any credit repair company making this claim and keep looking for honest help.

Hopefully, these tips will help you avoid credit repair scams and allow you to properly locate companies that can truly help you with your credit card debt elimination plans.

Debt Management with your Credit Card

Do It Yourself Debt Settlement

Credit cards are regarded as a convenient means to purchase anything you fancy right here and right now. When people are asked to determine their list of debts, oftentimes they wouldn't include their credit card bills in the list.

Truth be told, whatever the amount is on your credit card bill is your actual debt and the minimum amount required of you monthly isn't your total debt. That is just the minimum due. When you miss your credit card payments, chances are your rates will go up and you'll be hit with high fees. Furthermore, inability to pay for your credit card bill will keep you in debt for a longer period of time. If you find yourself in this situation, it's time to start looking at settling your credit card debt. 

Many people fail to read how much interest they are paying each month. For most people, paying the minimum monthly due is enough and they fail to realize that the interest rate increases greatly and can even double their spending within a very short period of time.  If you need help lowering your interest rates and reducing what you owe, consider hiring a debt settlement company.

Failing to manage our credit cards wisely causes us to get deep into debt. The average household has about 7 credit cards and this can cause you to think you have more than you can afford. And this can cause tons of financial problems. You may need to learn about settling credit card debt if you need help and want to avoid bankruptcy.

Credit cards are handy when you need to fix an unexpected emergency. However, people should learn how to practice and regulate their spending even if they have one or several credit cards. Think of it as a training ground for shaping your financial future.

If you have to money to pay for the food that you eat, or the dress you want to buy, it would be a better option to just pay for it using your cash. Use your credit card for more important things.

Tips for Paying off Credit Cards

If you're just taking on the challenges of paying off your credit card debt. Here are some tips you can start using right now for paying off your credit cards. If you make the effort, you will be well on your way to finding ways to eliminate your credit card debt.

• Make the commitment to stop using your credit cards right now. If you are in the habit of using credit cards to get everything you want, you may think there is no way you can do without them, but if you're going to reap the rewards that come when you eliminate credit card debt, this must be your first step.
• Stop frivolous spending. Nearly everyone spends money on things they don’t really need. You should look at your daily expenses such as coffee or a daily newspaper and give it up for now.
• Take the money you are no longer spending on frivolous things and apply it to one of your credit cards. Increase your regular payment amount by whatever you have stopped spending and keep doing it until the balance on that card is gone.
• Once that balance is gone, start doing the same thing with another card. Make sure to use what you where paying on the first card and add it to the next cards payment. Doing this will help you eliminate credit card debt once and for all.
• Consider finding a second income. If you need to, look for part-time employment. While it will be tiring, you'll make real strides in paying off your credit cards quicker.
• Negotiating fees with your credit card company may be an option to try. If you are paying an annual fee, over-the-limit charges, or late fees on your cards, contact your creditors and get them taken off. Honestly, I've heard about this but never tried. It may be worth a try, however.

It's a challenge, even if you get help or not to pay off your credit cards if you decide too. Persistence and keeping at it is the key. Plus it all starts with good planning.

If you want to read more about how you can start reducing credit card debt, visit our paying off your credit cards page.

Join the many we have been able to help and visit us now.

Click Here ---> http://www.betterdebthandling.com/guides/index.php

Relieve Your Debt With Powerfull Subliminal Messages

You need to be really positive after the experience of foreclosure, but you can have a life again - depending upon how positive you are and how pro-active you become in raising and managing your finances all over again. Sometimes used as a way out of debt, foreclosure is occasionally sought by people as a means of escape. A bank is always within its rights to chase down a deficiency - although this is rare. Banks are not real debt collection experts - the process for them can be both time consuming and expensive. Unless they are certain that a foreclosure sufferer has come into substantial cash or assets they will not try to get their money back.

If you do go through the foreclosure process - as difficult as it is you will not encounter the bank at your doorstep demanding any more money. The same is true if you have had a short sale. In the current economic climate this is difficult but it will certainly mean dropping the price of the property below the value of the mortgage on it. It’s the lender who takes the loss because they write off the difference. They write off the debt and once this has happened and the have to right to sue the previous home owner for any money.

A short sale is a foreclosure in all but name and for the person losing their home, this is a very important point as it doesn't appear onon their credit records as a negative towards them. This will make life a lot easier, and lead to a much quicker recovery after the sale has gone through. The only chance of getting a short sale is if you go through experts and can learn quickly about the world beyond the credit crunch.

You will need all your mental power and an extremely positive mindset to bounce back from a foreclosure. You can give yourself two mind boosts to help you with your new debt-free life. Often repeated subliminal messaging cds for subliminal learning and make you a quick study plus another subliminal message album to stimulate entreprneurship and wealth creation will soon have you working your way back to your American dream.

Suze Orman's Fico Kit Review: Staying on Top of Your Finances Was Never Easier

Suze Orman is one of the country’s top financial advisors as well as a writer of many best-selling books and a television personality. Suze has her own show called The Suze Orman Show on CNBC. She has written 6 books that have all hit the New York Times Best Seller list each time. She has also written, co-produced and hosted 6 PBS specials based on her books. She is also the top seller when she does hosting duties on QVC. In her PBS show, Suze won 2 Daytime Emmy Awards in 2004 and 2006. She was chosen by Time magazine as one of the most influential people in the world in 2007.

Suze Orman’s FICO® Kit Platinum is a great investment, in my opinion. Lost of people have questions about thier debt and how to get out of it. This FICO Kit is designed by Suzy to help anyone manage her debt and answer the questions you have about your debt status. I was on the verge of filing bankruptcy, I decided to go on to the MyFico website and purchase the Suze Orman’s FICO® Kit Platinum for $49.95. The price is pleasingly surprising. I wouldn't have been surprised if the kit cost more that 100 bucks.95 or so but it was surprisingly inexpensive for what you get.

The Suze Orman’s FICO Kit Platinum was very easy to install. All you need to do is put the CD into your computer and it will take you to a page where you enter some personal data so you can get access to your FICO score. You can choose to get your credit score from any of the three credit bureaus. It is important to know your FICO score because it will help you to make wise financial decision in the future. So my score was pretty low and I was able to view my credit report and see why.

Once you purchase Suze Orman’s FICO Kit, you get a fifteen digit activation code to activate the entire program. The kit has a personal coaching guide that teaches you step-by-step how to get out of debt. Register the software and you get a whole year of coaching from Suze Orman. The cool thing about the coaching is that you learn how to improve your FICO score with tips from Suze and then take what you learn and plug it into a simulator and see how much you’re FICO score will improve if you take those steps. How cool is that?

Other nice features of the Suze Orman FICO Kit include a personalized action planner page. It takes all the information that you plugged in and gives you steps on what you need to do to get your FICO score higher. Another page asks you all your credit card info. Once you put all that information in the system, it tells you how much you need to pay each credit card and how long it will take you to pay off your credit cards. It also shows you how long it would take you to pay off those same credit cards if you were only paying the minimum amount.

I hope you have enjoyed this review of Suze Orman FICO Score Kit.