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If you have questions about your credit report, here is how to contact Equifax, Experian and TransUnion, the 3 major credit bureaus. Here are the main addresses and telephone numbers for each of them: Equifax P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 Experian P.O. Box 2002 Allen, TX 75013 1 888 397 3742 TransUnion P.O. […]

What are the pitfalls of loans between friends and family? Most people like to keep personal and professional business separate, especially when it comes to money. Poor business management can ruin friendships, and the same is true about financial management in a money-lending situation. There can be situations, however, when there really is no one […]

Use Credit Wisely Any small purchases made with credit should always be paid in full each month. Larger purchases on credit should be budgeted to be paid within 3 to 6 months. Set a goal to payoff car loans, and other big ticket items, in less time than they are financed. Using credit wisely means […]

An interest only mortgage is exactly what it says. The payment you agree to make will be interest only payments, and nothing will be applied to the principle of the loan balance as long as you continue to make interest only payments. Find out if this is the right type of home loan for you. […]

Informal bankruptcies happen now; no one ever talks about them, or would admit they did it. The new bankruptcy laws that went into full effect in October, 2005, mean a substantial increase in these unofficial bankruptcies so it’s important that you know what they are and how they affect you. What Is An Informal Bankruptcy? […]

{{cringe}}… {{GROAN!!}} Income tax filing… preparing those awful tax forms. Yes, it’s that time of year again… when you worry about filing your tax returns; wondering if you will get a refund… or worse yet, have to pay more in! It’s best to just plunge right in and get things together now, so you can […]

Let’s face it, we all want to learn how to save on insurance premiums. There are many different types of insurance. You can buy auto insurance, renter’s insurance, homeowner’s insurance, motorcycle insurance, life insurance, health insurance, business insurance, and other types. It is essential that each of us know and understand how to save on […]

Grocery savings are very important to all of us. In this guide, I will share with you how to save money grocery shopping for you and your family. Below, you will find a detailed list of how you can maximize each and every dollar that you invest in providing the necessary nutrients to your family. […]

These days, everyone wants to know how to lower electric bill expenses. As we all know, in order for electric companies to provide us with the power to our homes they must implement the use of fuel. Recently, however, the prices associated with these fuels have increased in a dramatic way. A variety of fuels […]

Knowing how to avoid bankruptcy and being aware of the alternatives that are available to you can help you make the best decision for your financial situation. Today, more and more people are filing for bankruptcy as their first debt relief option rather than as the last resort for which it was intended. Bankruptcy is […]