Need to Reverse the Equity Out of Your Home?
Need to Reverse the Equity Out of Your Home? More and more consumers are retiring or nearing retirement age with inadequate retirement funding. Increasingly, seniors face financial difficulties and many…
End of Year Checklist
End of Year Checklist Just when you thought you had crossed all of the last minute items off your “to-do” list here are a few more to check off before…
Holiday Shopping Tips
Holiday Shopping Tips While you are making your holiday shopping rounds, do your budget a favor and keep in mind that it is better to give than to receive. When…
Check Your Withholdings
Check Your Withholdings Nobody likes writing a check to Uncle Sam in April. This is the result of under-withholding. A healthy refund check is more fun to anticipate! However, receiving…
Before Borrowing from Payday Lenders Press Pause
Before Borrowing from Payday and Auto-title Lenders Press Pause and Consider All Your Options In 2017, it has been reported that 25% of U.S. households have no emergency savings. With…
Stretch a Dollar in Tough Times
Stretch a Dollar in Tough Times The experts may never agree whether we’re officially in a recession. However, if your wallet is short of cash or you’re seeing your budget…
Applying for a Mortgage – Part 1
Applying for a Mortgage – Part 1 So you’re thinking about becoming a homeowner. As a smart consumer, you and your household are preparing for this big financial step. If…
Applying for a Mortgage – Part 2
Applying for a Mortgage – Part 2 Chasing the dream of homeownership for yourself? A smart consumer will make every effort to gain knowledge and insight into the steps needed…
Prime, Subprime, and Predatory Lending
Prime, Subprime, and Predatory Lending Many Americans translate the American Dream as owning their own home. In our country today, owning a home is one of the most basic methods…
Keeping Your Free Credit Report Hassle Free
Keeping Your Free Credit Report Hassle Free We shouldn’t be too surprised by the abundance of scams and people attempting to make money from the ‘free credit reports’ that were…
Spending and Coping Patterns – How Behaviors Can Cause Debt Problems
Spending and Coping Patterns – How Behaviors Can Cause Debt Problems Each of us has motivations for our choices and behaviors. At Credit Advisors Foundation, the credit counselors help you…
Correcting Credit Report Errors
Correcting Credit Report Errors Understanding your credit report, credit score and the potential for errors in the system, discussed thus far in our credit report series, is basic consumer knowledge…
Credit Report Errors
Credit Report Errors Most everyone realizes that some credit reports may contain errors, but did you know that according to some experts, as many as 80% of credit reports could…
Credit Protection Plans
Credit Protection Plans Congratulations on managing your way out of debt. It is a great relief to be debt free but it takes commitment and attention to detail. It’s the…
Spending Vs. Saving
Spending Vs. Saving You’ve heard the facts before: Our nation is currently experiencing a negative savings rate Only one-third of American families are saving enough to be able to maintain…
Personal Budget
Personal Budget WHERE DID ALL MY MONEY GO? How often have you muttered this phrase? Monthly? Weekly? Daily? Do you know where you money is going? We often spend money…
Don’t Be Fooled by the Cost of Credit
Pick your poison – financing rising student loans In today’s society, the majority of Americans hold one type of loan or another. From home loans to car loans to student…
Recheck Your Checking Account
Recheck Your Checking Account When was the last time you thought about the cost of your checking account, other than bounced check charges? Do you know if your account is…
Rebuilding Credit
Rebuilding Credit Here at Credit Advisors Foundation (CAF) consumers ask the same question at least once a day. “My credit is a mess. How do I go about rebuilding it?”…
Preparing for Home Ownership
Preparing for Home Ownership Purchasing a house can be a great undertaking, especially if you have had some bruises on your credit history. In recent years, the mortgage industry has…