Ronnica Rothe - Articles

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Ronnica Rothe is a graduate with honors from the University of Oklahoma and a current student at Southeastern Baptist Theological Seminary. She works with Personal Financial Network (pfni.net) to help individuals get out of debt and reach their financial goals.

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How to Clean Up your Credit Report
If you are looking to make a big purchase like a house or a car or want to apply for a credit card for any reason, the prospective lender or creditor will look at your credit report to see if you qualify. Whether or not they allow you to borrow the money needed for the item or give you credit to spend will be based on what they see on your credit report. Read
By: Ronnica Rothe | 06/07/2007 | Credit
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Requesting Lower Minimum Payments is Hard
Requesting lower minimum payments on your credit card bills can be quite difficult. If you have seen your cards' minimum payments increase more than you can handle, you might find it difficult or even impossible to get those minimum payments lowered. Read
By: Ronnica Rothe | 05/07/2007 | Credit
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Credit and Debt Help in Tennessee
If you are in Tennessee and struggling with credit or debt problems, you are not alone. There are credible agencies in Tennessee able and willing to counsel you in your financial problems and help you come up with solutions. Read
By: Ronnica Rothe | 03/07/2007 | Credit
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Getting Lower Interest Rates With a Debt Management Plan
If you have taken the opportunity to talk to a credit counselor, you may have found out that a debt management plan is the right debt consolidation solution for you, or maybe you have done the research yourself and have come to the same conclusion. There are several things you should know about how to receive the maximum benefit from a debt management plan. Read
By: Ronnica Rothe | 02/07/2007 | Debt Consolidation
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Consolidating Credit Cards to Eliminate Debt
Consolidating your credit cards is a great way to eliminate credit card debt and free up some extra cash for normal expenses. When considering consolidating credit card debt, you want to make sure that you are choosing the right options to improve your financial situation. Read
By: Ronnica Rothe | 28/06/2007 | Debt Consolidation
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Low Card Interest for Bad Credit
If you have bad credit or if through a series of events your credit has suffered considerably, there is a good chance you have been subject to high interest rates on your credit cards. As your credit score lowers, your interest rates will rise due to the increase risk the lender takes on when lending you money. There are still steps you can take to lower those high interest rates even if your credit remains less than satisfactory. Read
By: Ronnica Rothe | 27/06/2007 | Credit
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Clean Up your Credit Report
Your credit report is used by lenders to determine whether you are a fit candidate for a loan. If you want to buy a house or car in the future, now is the time to start working on cleaning up your credit report. Obtain a free copy of your credit report and look it over to see what the creditors use to determine your eligibility for loans. Read
By: Ronnica Rothe | 26/06/2007 | Credit
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Improve Credit Through Credit Counseling
If you have poor credit and high amounts of debt, you would probably benefit from credit counseling. Even if your debt has not yet mounted uncontrollably, you may receive helpful information in credit counseling that can guide you in making beneficial financial decisions. Read
By: Ronnica Rothe | 25/06/2007 | Credit
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Finding the Right Credit Counseling Agency
When seeking financial advice like credit counseling, it is important to work with people that you can trust. Because of the sensitive nature of your problems, you will want to know that the credit counselor you are speaking with will handle your information with discretion and integrity as well as treat you with respect. Read
By: Ronnica Rothe | 22/06/2007 | Debt Consolidation
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Credit Counseling: the Earlier the Better
Credit counselors see clients with a variety of different financial problems and situations, but there is one thing these clients usually have in common: they waited too late. It is important to get help when the financial problem is arising, because help can be more helpful at this point before things get out of control. Read
By: Ronnica Rothe | 21/06/2007 | Debt Consolidation