Articles Written by Harrine E. Freeman From iSnare.com

• 7 Ways To Ensure You're Paying The Right Creditor
  Many consumers do not know that once a delinquent account is reported to a collection agency a consumer has a short amount of time to pay the bill. This is because collection accounts are put on a nationwide registry and each collection agency in the country gets notified of a collection account. Ho...
• Good Debt vs. Bad Debt
  Many of you may be saying what is good debt and what is bad debt? Well let's start with debt. According to Webster's dictionary, debt is "something that is owed or that one is bound to pay to or perform for another or a liability or obligation to pay or render something." Is debt really good, no it'...
• Is Bankruptcy A Solution Or Headache?
  One of the biggest myths is that if you file for bankruptcy you will be financially free and no longer have debt problems. Wrong! Bankruptcy is not the cure-all for getting out of debt. Over 1 million Americans file for bankruptcy every year. One in every 73 households files for bankruptcy. In 2005,...
• Eight Ways To Pay Off Student Loan Debt
  A recent study by the National Center for Education Statistics shows that 50% of recent college graduate have student loans, with an average student loan debt of $10,000. The average cost of college increases at twice the rate of inflation. With the rising costs of college, it is difficult for aspir...
• Pay Now Or Later - Debit vs. Credit
  Which is better, debit or credit? Can't decide if you should shop with a debit or credit card? This article will discuss some of the similarities and differences between shopping with a debit card versus shopping with a credit card. When you use a debit card, the bank subtracts money from your bank...
• Why You Need An Emergency Fund
  Many Americans today don't have a savings account or emergency fund. I heard on the news recently that the Commerce Department reported that Americans spend all the money they have and personal savings rates have reached the lowest level since the Great Depression. Your emergency fund is your safety...
• Transferring Credit Card Debt May Be Hazardous To Your Financial Health
  Credit card companies now make it so easy to transfer one credit card balance to another. We get so bombarded with all the advertisements for balance transfers it's hard to decide what company to do business with. Transferring your balance from one card to another is basically the same as consolidat...
• Why Late Payments Haunt You For 7 Years
  Did you ever wonder why a negative item has to stay on your credit report for 7 years? This question has been circulated for many years, and no one was able to give an answer other than what is stated in the Fair Credit Reporting Act (FCRA). I always wondered what the answer was myself, but was neve...
• Understanding Credit Scoring
  Your credit score is one of the most critical factors in your financial life. It determines if you will be approved for a loan or line of credit. A credit score is a mathematically calculated number developed by the Fair Isaac Corporation (FICO) that lenders use to rate potential customers in determ...
• 10 Tips To Help You Get Out Of Debt
  During my sophomore year in college every day as I walked to class I passed tables where vendors urged students to fill out a credit card application, bribing us with a free t-shirt, water bottle or key chain, so I signed up for one. I received preapproved offers in the mail, and within three years...