Self-Help Articles Archives - Page 6 of 16 - American Credit Foundation

Self-Help Articles

Considering Bankruptcy? Here’s What You Need to Know

Considering bankruptcy? Here's what you need to know: You're drowning in high-interest credit card debt. You're way behind on your payments. Your credit score has taken a nosedive. Every time your phone rings, there's a debt collector on the line.   When debt gets out of control,...

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2 Types of Personal Bankruptcy

Bankruptcy. It’s not a fun topic of conversation, but if personal bankruptcy is something that could be in your future, it’s important to understand what you’re facing. The first thing to understand is that bankruptcy, as scary as it sounds, won’t leave you penniless. On the...

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Bringing up Family Finances

It’s time for “the talk.” Yes, it’s time to get past your feelings of awkwardness and fears of uncomfortable silence, and sit your family down for a frank discussion… of your finances. Granted, money conversations with your family might not be fun, but they sure beat money...

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What to Ask Yourself Before Taking Out a Loan

So, you’re looking for access to extra funds. Maybe you want to consolidate multiple higher-interest debts. Or you could be looking to fund a small business. Or possibly your home is due for a remodel. There are about as many reasons for taking out a...

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Benchmarks of Financial Health Beyond Credit Score

When it comes to your overall financial health, your credit score is very important – which is why we devote a lot of attention to this benchmark. Your credit score is a solid indicator of your financial habits. It’s an unbiased, data-driven number that reflects...

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Scam or Legit? How to Spot a Financial Scam

Phony online shopping sites. “Spoofed” phone numbers. Legit-sounding tech support calls. It seems like scammers are always coming up with new ways to trick people into sharing personal information. The good news is that most of these scams are easy to spot – if you...

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Debt Got You Down? Self-Care Is the Answer!

Self-care is one of the many buzzwords to gain traction on the blogosphere in the last year or so. Google “self-care,” and you’ll find images of people blissfully doing yoga with goats, eating healthy food, or kicking back with a good book. You might also...

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Identity Theft: What to Do if it Happens to You

Perhaps it starts with a phone call from a debt collector, demanding payment for purchases you don’t remember making on a credit card you don’t even have. Maybe you suddenly stop receiving your bank statements and credit card bills in the mail. Or possibly you...

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