How to Remove a Charge-Off Without Paying

By Sam Wilson | Aug 21, 2023 | Comments Off on How to Remove a Charge-Off Without Paying

A charge-off is poison for your credit score. It’s a serious negative entry on your credit report and can harm your chances of getting competitive rates on loans or being approved for a credit card. It’s not easy to get a charge-off removed from your credit report unless it’s a mistake, but it isn’t impossible. …

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24 Best Bonuses for Opening a New Bank Account: Earn Up To $2,000

By Alaina Sheehan | Aug 18, 2023 | Comments Off on 24 Best Bonuses for Opening a New Bank Account: Earn Up To $2,000

Did you know that some banks will literally pay you to open a new checking account? It’s true. Account opening can be lucrative and an easy way to pick up some quick cash. From traditional national banks to newer accounts accessible primarily by mobile app, there are plenty of bonus options. Here are the best …

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609 Dispute Letters: How to Use This Loophole to Boost Your Credit Score

By DebtHammer | Aug 17, 2023 | Comments Off on 609 Dispute Letters: How to Use This Loophole to Boost Your Credit Score

If you want to repair your credit, a 609 dispute letter could solve your problems. This is a letter any consumer may send to the three credit bureaus requesting additional information after finding an inaccuracy on your credit report. It usually includes a request to remove the inaccuracies from the credit report. Key points What …

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19 Gas Reward Apps and Loyalty Programs to Save Money at the Pump

By Alaina Sheehan | Aug 17, 2023 | Comments Off on 19 Gas Reward Apps and Loyalty Programs to Save Money at the Pump

With summer temperatures soaring, so are gas prices, causing financial strain. More than 72% of Americans have had to make tough spending choices due to the extra expense at the pump. If you need to save money when filling your gas tank, these apps and loyalty programs will help. Key points Best gas apps for …

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14 Best Cash Advance Apps When You Need Instant Money

By Angela Watson | Aug 9, 2023 | Comments Off on 14 Best Cash Advance Apps When You Need Instant Money

Cash advance apps can offer a way to cover expenses until your next paycheck while avoiding payday loans. They are growing fast — 33% of Americans have used at least one of these apps. Your credit score doesn’t matter, there’s no interest charged and fees are minimal. Some can transfer money immediately. Disclaimer: DebtHammer may …

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Iowa Debt Relief: The Tools You Need to Escape the Debt Trap

By Angela Watson | Aug 9, 2023 | Comments Off on Iowa Debt Relief: The Tools You Need to Escape the Debt Trap

At the last census, the population of Iowa was 3,200,517. On average, Iowa residents earn a personal income of $51,140 and owe $43,120 in consumer debt (excluding mortgages). The state is ranked 20th in terms of overall poverty rate with 11.2% of the population living under the federal poverty guidelines. Whether you live in Iowa …

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Apps Like Dave: Here are 13 More Cash Advance Options

By Alaina Sheehan | Aug 8, 2023 | Comments Off on Apps Like Dave: Here are 13 More Cash Advance Options

Dave is one of the most popular cash advance apps, but there are plenty of other alternatives with a variety of benefits, including interest-free loans with instant access to your money. Here are 13 other online banking options that can help you get the cash you need to get to payday. Disclaimer: Some or all …

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How to Calculate Your Debt-to-Income Ratio

By DebtHammer | Aug 7, 2023 | Comments Off on How to Calculate Your Debt-to-Income Ratio

The debt-to-income ratio (DTI) is a metric lenders use that compares your total monthly debt payments to your gross monthly income. It measures your ability to manage your existing debt obligations compared to your income.  It is also usually a critical factor in determining whether you can borrow more money.  Calculating your debt-to-income ratio is …

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What is Debt Consolidation? A Quick Way to Tackle Your Debt

By DebtHammer | Aug 7, 2023 | Comments Off on What is Debt Consolidation? A Quick Way to Tackle Your Debt

If you’re juggling so many credit card and loan payments each month that you can only afford to make the minimum payments, it’s time to consider debt consolidation. But what is it, and how does it work? Key points How Debt Consolidation Works Debt consolidation rolls your old debt into one new loan. There are …

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Five Types of Debt You Should Be Consolidating Now

By DebtHammer | Aug 7, 2023 | Comments Off on Five Types of Debt You Should Be Consolidating Now

Debt consolidation doesn’t just save you money. It also simplifies your financial life by rolling everything into a single monthly payment, sometimes with longer repayment terms. This will not only simplify your payments, but it also can ease your budget crunch by lowering the amount of money that you have to commit each month to …

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