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The key to a good credit score is making on-time payments and keeping low balances. This will assure a good score and demonstrate your financial responsibilty to future potential lenders.


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News & Articles

Beat the Inflation Heat

With the real estate slump, crude oil trading at over $120 a barrel, and sky high global food prices, it's no wonder many average families in the U.S. are feeling inflation's pinch. Take heart: There are some ways to stem the outward flow of cash. Cutting out wasteful spending and taking advantage of some money-saving techniques can help to loosen up a stretched budget.

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08/11/08
Mortgage Application Check List

In a slumping housing and credit market, easy mortgage buying has given way to strict rule enforcement that's leaving many potential homebuyers with churning stomachs and a mad scramble to prove their credit-worthiness.

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08/11/08
Is taxation the answer to the real estate meltdown?

The headlines are pretty much the same on the tube, in the newspapers and on the internet: A homeowner rescue bill could cost American taxpayers an estimated $25 billion to save Fannie Mae and Freddie Mac.

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08/08/08
Housing Bill Home Buyer Credit Comes With Strings

Homebuilders, real estate professionals and the mortgage industry cheered the late-July passage of a housing stimulus bill in the House of Representatives. Homeowners and potential buyers, however, are still wading through the legislative lingo to see just how consumer-friendly the package will be.

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Restructuring Debts For Accelerated Payoff Calculator

The quickest way to retire your debt is to

  1. determine what your total debt payment is now, then
  2. sort your debts from highest interest rate to lowest, then
  3. continue to make the same total payment amount except pay Minimum Payments on all debts except the highest rate debt, then
  4. once the highest rate debt is paid off apply those new savings to the next highest rate debt and so on.

Use this calculator to determine your interest and time savings using this technique. The calculator will sort the debts for you when completing the analysis. You may also apply an extra amount to the total payment to accelerate debt payoff even further.

Current Debt Information
              Creditor Balance Mininum Payment Actual Payment Interest Rate
Debt-1
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Debt-8
Debt-9
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Debt-11
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Debt-19
Debt-20
Other Information
Extra Monthly Payment
Debt Ordering

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