Michael Brazier

Debt Collection: A Look Inside Collection Training

As if the mass mailings and multiple calls weren't enough to drive you to drink, collectors are also obtaining free online tips on how to better bang out calls to bring in your bucks. Learn what collectors are being coached on to better their efforts against consumers with accounts in collections. Read through these training tips collectors are using to manipulate or trap you into making a payment over... (posted by Michael 1 year 204 days ago.)

Types of Credit

Taking charge of your credit starts with understanding the four different types of credit, how they work, and how they affect your credit score. Establishing an educated position on different types of credit will enable you to make smart financial decisions and aid in deciding what steps you can take to improve credit. The better the credit score, the better the financing rates when purchasing a new home or automobile. Utility credit is... (posted by Michael 1 year 207 days ago.)

Credit Report Myth Busters

There are a lot of misconstrued notions about what affects your credit rating negatively. Pots calling kettles black, spoons jumping over moons, nobody seems to have a solid answer on the who, what, where of credit scores. Many of these myths derive from misleading ads, exchanged words at the water cooler, and profit driven promises from companies selling services. In a credit dominant country where your job and home are... (posted by Michael 1 year 253 days ago.)

Consumer Counseling: The Different Departments of Debt Consolidation

There are many means to debt elimination these days outside traditional debt payback plans. In your path to financial freedom you'll need to first evaluate what DMP is right for you. This would depend on your current financial situation and long term creditor goals. Understanding the different DMPs available will guide you in the right direction to financial freedom. Credit... (posted by Michael 1 year 288 days ago.)

A Look Inside Debt Consolidation Credit Counseling

One of the biggest questions is, how does debt consolidation credit counseling work? A nonprofit credit counseling agency that abides by state regulations and creditor guidelines will begin with a free counseling session reviewing your financial addendum. A financial addendum is an outline of your debt to income ratio on a monthly basis, assets and liabilities. This is also known as a household... (posted by Michael 1 year 336 days ago.)

Non-Profit Budget Counseling & Debt Consolidation

If you are looking to get rid of your unsecured debts there are many debt management options available today that can help you be debt free. The first thing that should be reviewed and covered with a certified credit counselor is your household budget. Also referred to as a financial analysis, a household budget outlines your debt to income ratio on a monthly basis along with an accounting of assets and... (posted by Michael 2 years 2 days ago.)