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Harrine E. Freeman - ArticlesHarrine Freeman is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company and author of "How to Get Out of Debt: Get an "A" Credit Rating for Free." Visit H.E. Freeman Enterprises The Benefits Of Account Re-AgingAccount re-aging can help you get back in good standing with your creditors and also increase your credit score. Account re-aging means the creditor will no longer consider an account late, and it will no longer be reported on your credit report.
Creditors will re-age your account once you have established... 5 Ways To Leverage Credit To Generate WealthAccording to the Spectrem Group, in 2005 there were 7.5 million millionaires in America. One way to leverage credit to generate wealth is by having a good credit score. Having good credit can save you thousands of dollars over the life of a loan. Even just 1 percentage point can... 6 Ways To Deal With ForeclosureAccording to RealtyTrac's website there have been over 2 million foreclosures in 2007. The top three foreclosure states are California, Texas and Florida. According to the Mortgage Bankers Association, 1 out of every 200 homes will be foreclosed.
If you are facing foreclosure, put away those credit cards and stop charging.... 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... Eight Ways To Pay Off Student Loan DebtA 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... Pay Now Or Later - Debit vs. CreditWhich 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... Why You Need An Emergency FundMany 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 net: in...
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