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Debt Relief – Some Basic Information

On July 31, 2012, in Debt Relief, by KimberlyC

Debt Relief

In today’s world of declining property values, high unemployment, increasing tuition costs and medical insurance that rarely covers 100 percent of expenses, it is all too common for many of us to be struggling with debt. A recent article by Federal Reserve Bank of Cleveland indicated that installment debt has risen from about 13 percent of disposable income in 1989 to 25 percent of disposable income in 2012. CreditNowUSA is a company specializing in debt relief, and the following information is based on their specialized knowledge:

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Debt Consolidation

What is Debt Consolidation? It’s a practical, less costly and more beneficial alternative to bankruptcy. As our client, you would let CreditNowUSA contact all creditors to whom you owe money. We then negotiate with these creditors for lower balances. While bankruptcies wipe away debt, Debt Consolidation offers creditors an opportunity to settle for a reduced owed amount.

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Credit Score

Have you ever wondered what exactly goes into that three-digit number commonly referred to as your credit score? When you’re applying for a loan or credit card, this is one of the major pieces of information that lenders use to decide whether to lend to you and what interest rate you will pay. Understanding the mystery behind it can put you in a better position to manage credit in a way that improves your score. Here are the five major components that make up your credit score.

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Credit Repair

At CreditNowUSA, our credit repair team is ready to help you manage your credit report so that it is accurate. Sometimes inaccurate or questionable items can appear on a credit report. Our credit repair team will examine your report to identify erroneous information. If you have resolved a debt but it does not yet appear as resolved on your credit report, then your score is negatively affected. Identifying this inaccuracy and getting it resolved can improve your score and help you qualify for loans, credit cards and even employment.

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