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    Consolidating your credit card debt

     

    Under a debt consolidation plan, terms and conditions change, it will allow you to pay your current debts in 3-6 years. The purpose of debt consolidation is to speed up your paying time and at the same time makes lower monthly bills. You have to make sure that the new cost of the consolidated loan is truly less than what you are currently paying for to the various creditors. Not getting the lowest available interest rate has always been a problem faced by consolidation loan applicants. Be sure that there is something to secure the loan like your house for example. It is highly recommend you to calculate the interest and the fees of all your existing accounts to see the total payments you’re making at present. After computing this, compare the figure with the consolidation loan amount. This will determine if you’re making a better choice or not. Be sure to make your deposits on time, if you are already under a consolidation loan. This will assure your creditors that you really intend to pay for your debts. Having delayed payments might cause the creditors to resume the normal collection activities and what’s worse, they might turn it back to the regular interest rates and fees. Be sure to keep in touch with your consolidation representative. There may be instances that your account will be turned over to a collection agency. Keeping your agent updated on the changes will help you solve your problems. Pay your credit to your consolidation company. They are the ones that divide how much goes to each creditor. Always check on your creditor’s statements. It is your duty to monitor the monthly statements sent to you by your creditors. Check if your creditor has reduced the rates. They should also have the late fees stopped. Also check if your debt consolidation company is paying your creditor the right amount. There are many types of debt consolidation loans available. There could be a loan that would take you a longer time paying but has a higher interest rate. There are also loans that offer short payment duration and a lower rate of interest. If you could not pay for a larger amount every month, you could choose consolidation loans that offer a longer plan. There is the variable rate debt consolidation loan that allows you to make extra repayments anytime with no extra cost. However a fixed rate debt consolidation loan will only accept fixed repayments for the duration of the loan.

         
    Consolidating your debt

     

    Is it necessary to consolidate your debt? Debt consolidation is important especially when you owe lots of loans and debts to different creditors. Having credit cards is very common in America. So much so that people tend to carry at least six to eight credit cards in their pockets. They make unnecessary purchases to take advantage of advances through a credit card. They find themselves in undue situation from where they are unable to pay even their minimum balance. This has resulted in tremendous growth of credit card debts over the years. The best way to get rid of such a credit card debt is by paying the balances on time. But this is not possible for everyone as they are trapped under a very high interest rate. One of the best ways to get out of this situation is by consolidating your debt. How does consolidating debt actually work? Consolidation debt can help a person lower the amount of debt and pay his unsecured credit debt faster. He can take care of his debts by merging all his payments into a single loan at a lower rate of interest that what he was actually paying. If your debt is credit card debt then consolidating debt is probably the best option. For Instance: A person who does not undertakes debt consolidation • Lets say a person has a credit card debt of $1000 • The rate of interest he has to pay is 20% • This means that at $1000 credit card debt the person has to pay an interest of $200 A person who undertakes debt consolidation • He merges his payments to a single loan. • Let’s say he too has a credit card debt of $1000 • Due to bill consolidation he has to pay an interest rate of 9% • This means at $1000 credit card debt the person ahs to pay an interest of $90 • This means an annual savings of $110 in interest charges.

         
    Consolidation loan a good way to clear your debts

     

    Being bogged down with a large number of high interest debts can become very depressing, and in many cases can be financially crippling leaving you with very little disposable income at the end of each month. In addition to this, dealing with this sort of debt can mean that you will be making repayments to a wide range of creditors, thus making financial management more difficult, and can mean that over the term of the debts you pay an absolute fortune in interest on higher interest debts such as credit and store cards. There is a way to reduce the hassle associated with managing a high number of debts, reduce the interest that you have to pay overall, reduce your monthly out goings, and even to expedite repayment of your total debt, and this is through a low rate consolidation loan. A consolidation loan is a loan that is designed to pay off your smaller debts, leaving you with just one convenient repayment to make each month, one creditor to deal with, and one creditor to whom you have to pay interest. When you have an array of different debts going to a wide range of creditors it can be difficult to stay focused, and losing track of your debts - and even missing repayments - becomes an increased risk. This is turn can adversely affect your credit rating and leave you repaying your debts for many years to come and getting pretty much nowhere with them, particularly with debts such as credit and store cards on which you may only be making minimum repayments. One the other hand, having one loan to repay with a set repayment that you make each month can be far easier to handle. When you have just one repayment to concentrate on you can be far more focussed with your debts, and you will know exactly when the debt will be cleared and what your repayment will be each month. In addition, you can also look at putting more money towards the debt if and when you have spare cash, which becomes more difficult if you have a wide range of debts that you are trying to keep on top of. When you consolidate your existing debts using a low rate consolidation loan you could find that you are able to get yourself out of debt more quickly. This is because you may find yourself making repayments for twenty or thirty years on a relatively modest balance on a credit or store card if you are simply making the minimum repayment to keep afloat. However, with the set repayments on a consolidation loan you can choose a repayment period to suit you and enjoy the peace of mind that you will be free of your debts at the end of the selected repayment period.

         
    Consolidation loan student programs bringing your dept under control

     

    If you are like many students and recent graduates, you very well have amassed a great deal of student loan debt. In this regard, you may be looking for ways in which you can bring your outstanding student loan balance under control. You might want to consider the various consolidation loan student availabilities that you can take advantaged of in this day and age. Through consolidation loan student opportunities, you can take an affirmative step towards brining your outstanding student loan debt under control. There are a number of benefits to availing yourself of what is available in the way of consolidation loan student availabilities. The primary benefit that you can obtain through utilizing and taking advantage of consolidation loan student opportunities is a savings in the amount of interest you have been paying on multiple student loans. As a general rule, consolidation loan student programs offer interest rates at a level under what you normally have been paying on your multiple outstanding student loans. One of the other significant benefits of a consolidation loan student program is found in the fact that you will be able to relieve yourself of recurring late fees and related delinquent charges that you may be encountering in regard to outstanding student loans. If you are like many people who have racked up student loans, you very well may be facing ever increasing late fees and the like over time. Again, through consolidation loan student programs, you can rid yourself of the burdens of late fees and other charges. An added benefit of taking advantage of a consolidation loan student program is found in the simple fact of convenience. If you have acquired a number of different student loans, you find yourself juggling multiple payments each and every month. This can be time consuming and even confusing in some instances. With the implementation of a consolidation loan student plan or scheme, you will only have to make one monthly payment, easing the burden of keeping track of a multitude of payments each and every month. There are a number of different financial institutions that now offer consolidation loan student programs. There are companies that specialize specifically in offering people consolidation loan student opportunities. In addition to the companies that specialize in consolidation loan student programs, many traditional lenders (such as banks and savings and loans) now have implemented special consolidation loan student programs for students and graduates. Therefore, you have a variety of sources for a consolidation loan student program to chose from in this day and age. By taking the time to shop around and consider different consolidation loan student availabilities you will be able to find a consolidation loan student program that best meets your needs and obligations. Through research and a bit of proverbial homework you will be well on your way to brining your student loan debt well under control, to bringing your financial house into order now and well into the future. Rather than continually paying for your education, you will make your education pay for you.

         
    Consolidation loan student programs bringing your dept under control

     

    If you are like many students and recent graduates, you very well have amassed a great deal of student loan debt. In this regard, you may be looking for ways in which you can bring your outstanding student loan balance under control. You might want to consider the various consolidation loan student availabilities that you can take advantaged of in this day and age. Through consolidation loan student opportunities, you can take an affirmative step towards brining your outstanding student loan debt under control. There are a number of benefits to availing yourself of what is available in the way of consolidation loan student availabilities. The primary benefit that you can obtain through utilizing and taking advantage of consolidation loan student opportunities is a savings in the amount of interest you have been paying on multiple student loans. As a general rule, consolidation loan student programs offer interest rates at a level under what you normally have been paying on your multiple outstanding student loans. One of the other significant benefits of a consolidation loan student program is found in the fact that you will be able to relieve yourself of recurring late fees and related delinquent charges that you may be encountering in regard to outstanding student loans. If you are like many people who have racked up student loans, you very well may be facing ever increasing late fees and the like over time. Again, through consolidation loan student programs, you can rid yourself of the burdens of late fees and other charges. An added benefit of taking advantage of a consolidation loan student program is found in the simple fact of convenience. If you have acquired a number of different student loans, you find yourself juggling multiple payments each and every month. This can be time consuming and even confusing in some instances. With the implementation of a consolidation loan student plan or scheme, you will only have to make one monthly payment, easing the burden of keeping track of a multitude of payments each and every month. There are a number of different financial institutions that now offer consolidation loan student programs. There are companies that specialize specifically in offering people consolidation loan student opportunities. In addition to the companies that specialize in consolidation loan student programs, many traditional lenders (such as banks and savings and loans) now have implemented special consolidation loan student programs for students and graduates. Therefore, you have a variety of sources for a consolidation loan student program to chose from in this day and age. By taking the time to shop around and consider different consolidation loan student availabilities you will be able to find a consolidation loan student program that best meets your needs and obligations. Through research and a bit of proverbial homework you will be well on your way to brining your student loan debt well under control, to bringing your financial house into order now and well into the future. Rather than continually paying for your education, you will make your education pay for you.

         
    Consolidation loans for homeowners when multiple credits become a burden

     

    : Every person dreams of finding a space of they own. Usually it is called a home. It is one of the priciest choices you have ever made. One way to discover the meaningfulness of this investment is take consolidation loans for homeowners. There is considerable equity in one’s home. If you have many unpaid debts, then now is the time to use that equity for consolidation loans. A decision to consolidate is good if you have two or more creditors with more than Ј5000 in debt. Homeowners who are facing such a situation are bound to be looking for consolidation loans. Homeowner consolidation loans are designed in case you have huge unpaid debts amounting to Ј25,000. Consolidation loans combine all your unpaid debts like credit card debts, unsecured loans, store card debts etc. This single loan then is used to repay all these debts. One single monthly payments and lower interest rates are a distinctive attribute of homeowner consolidation loans. Elsewhere it is usually boasted that consolidation homeowner loans reduces your debts. This is however, NOT TRUE. Consolidation loans under no circumstances lower your debts. It simply combines them into a single more convenient loan. You make single monthly payment instead of many and you deal with no other creditors instead of your consolidation homeowner loans lender. Homeowner Consolidations loans lender, then conduct all the further deals henceforth. But in case, your previous lender tries to contact you personally, entertain such an attempt and answer any queries directed towards you. Homeowner must know that there is no grey area when you look for consolidation loans for homeowners. The thing is that good or bad consolidation homeowner loans do exist but they depend on your from where you take and how you use it. Usually consolidation loans for homeowner come with better terms and conditions. Consolidation loans for homeowners have better interest rates. The interest rates are lower for these are secured loans. Consolidation loans for homeowners not only enable you to access larger amounts but are flexible enough to give you more money if any requirement comes up. Being a homeowner you can still borrow money, if you are facing job loss. Try to be regular with your homeowner consolidation loans repayment. You don’t want to make mistakes with its repayment. Take insurance, if you think you can’t keep up with monthly payments. Insurance covers your monthly payments for consolidation loans for homeowners in case of sickness, death or unemployment. But do not fall into the insurance trap of lenders. It will turn out to be an unnecessary expense. Also be wary of the lure of longer monthly payments for longer loan term. A lower monthly payment for longer time would usually mean, in layman’s language, PAYING MORE. So, do not focus ‘only’ on paying less. Since you are taking consolidation loans for homeowners – this is an acid test that you are not able to identify that how much debt is too much debt. Every person has a different tolerance level for debt. There is no one stop solution for debts gone awry. Make a record of your spending and find out where you need caution and where you can cut expenses. Try to look for signs which you have ignored en route to homeowner consolidation loans. Consolidation loans for homeowners are a good idea to not only overcome debts. If you have bad credit ratings, consolidation homeowner loans can be used to improve credit ratings. Consolidation is seen as a constructive endeavour for you are trying to repay all your debts. At times consolidation homeowner loans can harm credit ratings. There are other ways other than consolidation loans for homeowners to pay off unpaid debts. Consolidation loans for homeowners may or may not suit your purpose. If they do not look for alternatives and if they do then remember this for future – ORGANIZE YOUR SPENDING HABITS! After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK debt consolidation web site uk debt consolidations. To find a debt consolidation loans, debt management, debt advicec that best suits your needs visit ukdebtconsolidations. co. uk

         
    Constantly planning to get out of debt

     

    Having a constant plan to get out of debt will help you keep your finances in order. When you keep your focus on your debt and money situation, you are able to better control it. Most advisors will tell you that you need to be debt free. Yes, that is the ultimate goal, but for many people, it isn't exactly reality. There are situations, like buying a home, in which you have to accept debt. There is good debt and bad debt. Good debt is debt you can afford and bad debt is debt you can't afford. That's all there is to it. If you can afford your mortgage, car payment and RV payments, then it is alright. If you can't, then it isn't good debt. When it comes to credit cards, however, they are bad debt, regardless. You will eventually reach a point where you can't afford them. That is almost guaranteed. The key is to constantly work to paying off yoru debt. Start with your credit cards and high interest loans. Focus on paying off the cards with the highest interest rates to start with. This will save you money in the long run. Once you have all of your credit cards and personal loans paid off, start working towards your autos and student loans. I like to focus on what has the lowest balance to pay off first. This helps you knock things off rather quickly -- adding to your gratification. If everything is about equal in balance and interest rate, I pick the highest monthly payment. When you pay off a high monthly payment loan, you free up more money to put towards the next debt. When you have your cars and student loans paid off, the next thing you have is your mortgage. You can be working on your mortgage throughout the process as well. By adding as little as $100 a month to the average mortgage, you can knock several years and thousands of dollars off the mortgage. That's the overall game plan. But be aware that it can change. For example, you may find that you are in a situation in which you must have a new, reliable vehicle. You don't want to spend your emergency savings. The only debt you have is your mortgage. You are able to afford the monthly payments, yet plan to pay it off as quickly as possible. Then go ahead and finance a reasonably priced vehicle. Transportation is very important for work, school and other obligations. What you must do is adapt your debt-reduction plan around the new car payment. Although you have added debt, it doesn't mean that you still can't work to be debt free. Financial management is built around the idea that you must be flexible and able to adapt to the situation with smart choices. Too many people believe that there is a right way and a wrong way. That isn't necessarily true.

         
    Consumer credit debt consolidation what are your options

     

    The average person carries about eight or nine credit cards! And if you have that many--or even more--you may be looking for a way to consolidate your debt into one, easy monthly payment. Fortunately, you have some options to consolidating your debt. You may want to consider: A loan. If you're a home owner, a Home Equity Loan, Home Equity Line of Credit or second mortgage is probably the least expensive way for you to borrow a lump sum of cash for debt consolidation. By tapping into the equity in your home, you can pay off your creditors so that you only have one creditor--your Home Equity lender--to worry about each month. If you're not a home owner, you might still be able to secure a relatively low interest rate personal loan if you use an item of value that you own as collateral, such as your car, your boat, stocks or bonds, or jewelry. Another credit card. Sure, the idea of getting yet another credit card might sound crazy and irresponsible. But the key is to sign up for a low interest card and then transfer ALL the balances from your old cards onto your new one. That way, you've consolidated all your credit cards onto a single one. And you don't have to sign up for a new account if you already have a card that has a zero balance plus low interest. In that case, you can simply transfer your other credit card balances to the low interest card you already own. Either way, it's a simple and relatively painless way to consolidate your debt. Get professional help. Can't qualify for a loan or a new credit card? It's possible you need professional assistance. Debt consolidation companies--also called debt management companies--can help you lower your interest rates, lower your minimum payments and consolidate your debt into one monthly bill. You can find a debt consolidation company by searching online, asking friends and family, or checking your local yellow pages. No matter which choice you make, debt consolidation can help you get back in control of your financial life. By consolidating multiple credit card payments into one bill, you'll find it easier to make your monthly payment on time. Moreover, many debt consolidation options allow you to lower your interest rate and minimum payments, which can help you save money and pay off your debt faster.

         
    Consumer debt consolidation programs tips for choosing the right program

     

    With all of the expenses that we have in our lives today, it shouldn't come as a surprise that many people get deep into debt and consider enrolling in a consumer debt and loan consolidation program. Education costs, student loans, home ownership bills, medical expenses, and other costs can quickly mount up and there is a thin line between keeping your head above water and absolutely drowning in debt. There are several different consumer debt consolidation programs available that offer excellent solutions to mounting debt problems. If you're trying to pay off several loans or have large amounts of credit card debt, it is probably a good idea to look into a consumer debt consolidation program. A consumer debt consolidation program takes all of your smaller loans and consolidates them into one larger payment that is paid off over a longer period. A consumer debt consolidation program can be a good way to reduce monthly payments and can also free up some additional cash as less is immediately needed to pay debts. The consumer debt consolidation program does not eliminate any outstanding debt, but it can make a very tight financial situation much more manageable and enable you to regain control over your finances. There are many kinds of debt that could be addressed by a consumer debt consolidation program including credit card debt, personal loans and medical loans. The interest rates in a consumer debt consolidation program tend to be very low to make it a much more plausible option than paying very high credit-card interest rates. It is important to remember that the length of a consumer debt consolidation program is likely to be much longer than any of your current loans to be able to offer lower monthly payments. When you are looking for a consumer debt consolidation program to suit your needs, there are several things to keep in mind to ensure that you make the right choice of program. If you are searching for a consumer debt consolidation program on the Internet, it is especially important to know what you are looking for. There are so many different advertisements and promotions from various consumer debt consolidation agencies that the choice can be overwhelming and you may be tempted to choose the first one you see. While you are repaying debts using a consumer debt consolidation program, you will have more available credit on your cards, and have to remember to use it sparingly to avoid increasing your debt. The interest rates may also end up being higher in the long run if you stretch your repayments over an extended period, and you might end up paying more for a consumer debt consolidation program than if you had simply paid each bill on its own, even with interest.

         
    Consumer debt solution analyzing your options

     

    You have several options to reduce your consumer debt. You can take the do-it-yourself approach by consolidating debts into a low rate loan. You can also find help through companies that management payments or negotiate debt elimination. Each option has pros and cons, and should be analyzed carefully before committing to a specific approach. Do-It-Yourself Approach Refinanced mortgages and home equity loans can help consolidate your short term debt into one easy payment while reducing your interest rates. Your interest is also tax deductible. Consolidating loans can lengthen your payment period, increasing over all interest payments. There are also loan fees to consider, especially when refinancing your mortgage. Some home equity loans and lines of credit don’t have opening fees in exchange for higher rates. Your credit score will also be affected having another open account. Companies That Can Help Companies can offer two different types of help for dealing with your consumer debt. Debt management companies handle payment for all your short term credit accounts. For a small monthly fee, they will pay your bills, negotiate lower interest rates, and close accounts. Depending on your creditors, your credit score may or may not be affected. With a debt negotiation company, you can see 10% to 50% of your debt eliminated on some accounts. Such an approach can help you avoid bankruptcy, but there are long term affects on your credit. You will also have to report reduced debt as income on your taxes. Comparing Options Before you sign a contract for a loan or service, compare several different companies. Request their rates and terms, and compare them with others. Legitimate companies will freely provide you with information. You can also find information online through company sites. For detailed quotes, you will need to submit some basic financial information such as debt amounts. Getting Advice You can also find help with a credit counselor over the phone or in person. Certified counselors look over all your finances and help you come up with a plan to handle your debt and living expenses. They may recommend simply following a budget or using a particular service, such as debt management.

         
    Correcting your debt problem

     

    : Dealing with ones finances is never easy, especially when you have a debt problem. A debt problem is created when you end up spending more money than you spend on a consistent basis. It is certainly possible that one might be forced to operate on a negative cash flow for a short period of time, but if you are unable to turn it around by increasing your income and/or cutting your expenses then having a debt problem is inevitable. Some simple steps can be followed that will help you get your finances back on track and out of the red. 1. Spend Less Than You Make Financially savvy individuals do not spend everything they make. At the top of their financial priorities is savings. These people are wealthy for a reason. They didn’t spend every last dime they made. Don’t overlook this principle. 2. Make a Budget The first step to eliminating your debt problem involves creating a budget. A budget is a lot like a diet – neither does you any good if they are not followed. When creating your budget you should map out your monthly cash flow. The cash flows will include both your expected sources and uses of money, also known as your income and expenses. If you do not have a good understanding of where your money is coming from and where it is going you will never be able get on top of your debt problem. Thus it is also important to implement a budget as a tracking mechanism. You should record and track your expenses each month. Towards the end of each month you should analyze your financial situation. Did you spend more then you made? Where were your biggest expenses? Can these expenses be curbed? As you are analyzing your budget, you have to look for the fat that can be cut away. For instance, if you find you spent a lot of money eating out then you can easily curtail that habit and eat in more. That will save you money and help your bottom line. Your budget should be repeatedly reviewed and fine tuned in this manner each month. Slowly but surely you will notice your monthly expenses decreasing below your monthly income level, creating some extra income. 3. Form a Debt Repayment Schedule e you have created extra income, you can begin to address your debt problem. Typically you will want to apply your excess money to the highest cost debt first. Say you have debt on 3 credit cards with rates of 20%, 18%, and 12%. To begin with you will want to pay the minimum monthly amount on each card, and apply all the extra income you have each month to the highest rate card (20%). Once you have paid this card off, you will then take the monthly minimum amount you were paying on the 20% interest rate credit card plus the monthly surplus of money and apply it to the next highest interest rate card (18%). Continue on till this card is paid off, and then do the same with the last card. Make Saving a Habit When you have paid of your debt problem the next step is to begin saving your extra income. At this point it would be wise to begin taking the amount of money you were applying to your credit card payment and put it into savings. You can continue to live the lifestyle you have grown accustomed to as you create a nice little nest egg for yourself. The key to saving your extra income is being disciplined, and making saving both a priority and a habit. As you probably know financial stability is priceless. If you want to avoid a debt problem then you must remain in control of your spending habits, ensure that you are saving money each month, and continue to work hard. Overcoming a debt problem isn’t always easy, but it can be done with hard work and discipline.

         
    Could your debt cost you your home

     

    For homeowners struggling with debt problems, losing your home is the ultimate nightmare. Not only will you suffer the emotional upheaval and traumatic change of lifestyle involved, you may even find that it isn't the end of your financial problems. Your property can be sold at much less than the market value, which might not even be enough to clear your debt, leaving you homeless but still indebted. Fortunately, this nightmare scenario is not as common as you may think. Repossession is a last resort for your creditors, and is only an option for a select few of them. Any debts you have on credit cards, bank accounts and the like are classed as unsecured, which means that even though your possessions could be seized to pay off what you owe, your home is not directly at risk unless your debts are serious enough to warrant bankruptcy. Although government related debts such as tax arrears can also be cleared through forcing the sale of your home, this is not a particularly common occurrence, and the main risks to your home are loans which are secured on it. This includes your mortgage and any equity loans you've taken out. Mortgage lenders will not exercise their repossession right lightly, as it's an expensive option for them, they'll be missing out on your future interest payments, and it doesn't do a great deal for their public image to be seen turfing families out on to the street. However, the prospect of repossession proceedings is still a serious business and you should urgently seek advice from either the lenders themselves or a qualified and licensed debt advisory service. The repossession process is not a quick one, and you'll generally have around six months between falling into arrears and being served an eviction notice, which is ample time to rearrange your finances with a consolidation loan or remortgage, or even to negotiate new terms or a repayment program with your mortgage lender. Repossession must follow a legally specified course, starting with a simple letter from the lender to you notifying you that you are in arrears, and asking that you make arrangements to resolve the matter. If no resolution is reached, a second letter will be sent warning of legal action. If you're still in arrears at this stage, and haven't made a genuine attempt to negotiate with the lender, a solicitors letter will be sent giving you 7 days to clear the arrears or make an acceptable proposal on how you plan to do it. There needs to be no further notice for court proceedings to start if you don't respond to this final letter. If it does get to court, then a judge can grant a possession order which gives your mortgage lender the legal right to evict you. In practice, judges will try to broker an agreement on an acceptable and fair way forward, especially if children are involved. Even if an order is granted, this doesn't necessarily lead to eviction, as mortgage companies can keep the order in reserve as an inducement for you to clear your arrears. So, if you're worried that you might be facing eviction, remember that it is in fact a fairly rare thing for a mortgage lender to enforce, and that there is plenty of opportunities to stop the process once it's started. The best advice is to keep calm, contact the lender, and seek advice on how you can come to arrangement that keeps your creditor happy, but more importantly keeps you in your home.

         
    Credit and debt counselling in the uk

     

    Consumer debt in the UK is a major problem, both at a social and individual level. There is not that we can do about the social problem, but individuals can take action to prevent and overcome their own debt problems. While UK citizens may be unfortunate to live in a society where debt is commonplace, they are also fortunate in the way consumer credit and debt counselling services have evolved to meet the problem head on. Those individuals who start to find their personal debts overwhelming and causing great worry may decide they should seek help through credit counselling. Often, though, they would have benefited from the advice of a counsellor much early. There is still a stigma attached to debt, insolvency and bankruptcy in the UK, and bankruptcy laws are very harsh compared to some states in the US. This may be a contributory factor in discouraging people from taking action and sharing their plight with others. Such reluctance is a shame, but even so, thousands of people seek debt or credit counselling in one form or another every month in the UK. Fortunately, once they have made the decision to seek advice, they have a good choice of advice sources. Importantly, there are several free debt advisory services, so there really is no need to be tempted by any solicitation from debt advisors who are going to charge. Here are four free debt counselling services in the UK you can consider: 1. Citizen's Advice Bureau The Citizen's Advice Bureau (CAB) deals with many types of consumer advice, but debt counselling has become a prominent area for them over the last two decades, as the British have slipped into habitual debt problems. The CAB provides a thorough and free service through its specially trained consumer debt counsellors, who will deal with your creditors on your behalf once you provide all the necessary details of your debts. I have known three people who have used CAB's debt counselling and were very happy with it. 2. National Debtline The National Debtline is a telephone based service which has existed, as a charity, since 1991. This is another free service that has evolved to meet the strong demand for debt advice. Some people may prefer the telephone and post to face to face meetings with the consumer credit counsellor, and this service is very popular. 3. Consumer Credit Counselling Service The Consumer Credit Counselling Service (CCCS) is also a registered charity. Their purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice; exactly what somebody with debt problems needs. The umbrella charity is called the Foundation for Credit Counselling. 4. Insolvency Helpline A different type of organisation is the Insolvency Helpline, which offers debt advice to both consumers and companies. It is the largest professional network of lawyers and accountants, specialising in money advice, in the UK. The Insolvency Helpline promotes the provision of independent money advice from the UK's regulated professional bodies, which means the debt or insolvency counsellors are not only well qualified, but have to follow their professional body's guidelines. From the above four bodies, you are sure to find one that will provide valued assistance with coming to terms with and dealing with your debt problems. There is absolutely no need to succumb to the advertising of those who may try to prey on your hardship, and seek upfront payments for their advice.

         
    Credit bureaus who are they

     

    Credit bureaus sell credit reports to credit grantors, such as banks, finance companies, and retailers. Additionally, credit bureaus will sell credit reports to potential employers, landlords and insurance companies. Businesses and Credit grantors use credit reports to determine creditworthiness. There are three major companies that are in the business of collecting and distributing credit histories on all Americans. If you're an average American, it's more than likely all three companies have a credit history report on you. Experian, TransUnion, and Equifax are all competitors -- which means -- each company has a different version of your credit history. This makes it necessary to obtain reports from all three companies, to ensure that no erroneous information is within their files. Click here for your free debt consolidation quote now! Lenders, landlords, and employers use either one of the three credit bureaus mentioned above. Mortgage companies and auto dealers utilize all three bureaus simultaneously. TransUnion serves a broad range of industries including financial and banking services, insurance providers, mortgage and real estate services, direct marketers and retailers, collection agencies, communication and energy companies and healthcare facilities. Experian is the company that was created after TRW left the credit reporting industry in 1996. Experian collects information about you and your credit history from public records, your creditors and other reliable sources Equifax is the oldest of the three major credit bureaus, which dates back to 1899. Two brothers set up a company called Retail Credit Company in Atlanta, Georgia. The company became Equifax in 1975 and they claim to be the largest provider of consumer information. Equifax serves customers across a wide range of industries including the financial services, retail, healthcare, telecommunications/utilities, brokerage, insurance, and governmental agencies. Can I obtain a free credit report from credit bureaus? You are eligible to receive a free copy of your credit report from any of the credit bureaus if: * You have been denied credit, insurance, or employment within the past 60-days as a result of your credit history. * You can certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the date in which you made the certification. * You are a recipient of public welfare assistance or have reason to believe that your file at the agency contains inaccurate information due to fraud. Residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont, can receive one free copy of your credit report each year from the credit bureaus. Residents of Georgia are allowed to receive two free copies of your credit report each year from the credit bureaus.

         
    Credit card applications getting approved after refusal

     

    It can be disheartening when you apply for a credit card and get turned down. However, in the vast majority of cases, it really is not anything that you need to worry about. While there are some people out there who would be approved for virtually everything they could think of applying for, for the vast majority of us, applying for a credit card can take a little time and some trial and error. Credit card providers generally have pretty strict criteria that they are looking for from applicants when they launch a new credit card. They will be targeting the card at a specific segment of the market and will have a credit score range that they are seeking from applicants. If you do not fall within this score range, you will not be in their target range and will be refused the card. But this does not mean that you will not be successful when you apply for another credit card that is targeting your section of the market. And it is important not to take the rejection to heart. Determining Your Credit Score You may feel that you are trustworthy and always pay your bills and that you should not be turned down for credit, but remember that credit approval is no longer a personal exercise but is by and large automated and subject to computer credit checks and the like. A computer will look at your credit score and give a yes or no answer, and no individual attention will be paid personally to your application at all. It is a necessary way of running the system for lenders who have literally thousands of clients and applications to manage as efficiently as possible. The Next Step After Rejection If you are refused for credit, then apply to a couple more companies. You should try not to rush the process and apply for one card at a time. You usually receive your answer within a couple of days. The reason for this is that if you apply for too much credit too quickly, it will show up on your credit report and may cause lenders to turn you down. So be patient and if possible, ask the lender why they have rejected you. Patience is a Virtue in Credit Card Applications Too The chances are you are simply applying for the wrong type of card, for example, if you are a student, you will really only be approved by companies that make a point of providing credit cards to students and most other will reject you as a matter of course. So by a little patience, and taking the time to make your application to a credit card company that targets the segment of the market that you fit into, you should be able to get your hands on a credit card before too long.

         
     
         
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