2013 News Archive

December 2013

New Year’s Eve at home: The smart money move

Dec 30, 2013 |

New Year's Eve is a great time to celebrate as long as you're not footing a big bill. Consolidated Credit helps you ring in the New Year without debt.

Category icon Articles

Tag Icon

How to Eat Your Way Out of Debt

Dec 27, 2013 |

Consolidated Credit understands how much of a bite your food budget takes out of each paycheck. That's why we're fans of a push to promote home cooking.

Category icon Articles

Tag Icon

Consolidated Credit Announces Thanksgiving Contest Winners

Dec 27, 2013 |

Consolidated Credit announces the winners of the Thanksgiving Leftovers Recipe Facebook contest for their original recipes using leftovers from their Thanksgiving Day meals.

Category icon Company News

Tag Icon

When Your Wallet Shrinks, Does Your Waistline Expand?

Dec 23, 2013 |

A new study finds as your wallet slims down, your belly tends to bulk up. Consolidated Credit helps improve your financial and physical health.

Category icon Articles

Tag Icon

Depressing News with a Happy Ending

Dec 20, 2013 |

It's not shocking that Americans hate their jobs, but it is surprising how fast we're becoming dissatisfied. So what can you do to get to a better place?

Category icon Articles

Tag Icon

hacker_banner

40 Million Target Customer Records Compromised by Data Breach

Dec 19, 2013 |

Hackers hit Target in a data breach that's left 40 million customers at risk for identity theft. Learn what to do if you shopped at Target this season.

Category icon Articles

Tag Icon

Happy Birthday! Now Buy Our Stuff!

Dec 18, 2013 |

Two studies find brand loyalty is best generated by a human voice in customer service and nice birthday wishes. But don't let loyalty lead to overspending.

Category icon Articles

Tag Icon

In Life (and Death) Cosigning is a Bad Idea

Dec 16, 2013 |

Most Americans aren't prepared to pay back a loan they cosigned for someone who dies. But what about if they are alive and default? What can cosigners do?

Category icon Articles

Tag Icon

Student Debt and Auto Loans Growing Faster Than Credit Card Debt

Dec 13, 2013 |

Consumer borrowing increased $18.2 billion in October, led by auto lending and student debt. How can the average consumer stay ahead as total debt rises?

Category icon Articles

Tag Icon

homepage_banner_holiday

Infographic: Stay Under Budget with Last Minute Holiday Shopping

Dec 11, 2013 |

Consolidated Credit helps you avoid a credit card debt crunch from last minute holiday gift shopping with this helpful money-saving infographic.

Category icon Articles

Tag Icon

Which Generation Has the Most Credit Card Debt?

Dec 11, 2013 |

A study finds Millennials are having more problems with credit than previous generations. So how can Millennials overcome problems with credit card debt?

Category icon Articles

Tag Icon

What Do Baby Boomers Fear More than Death?

Dec 09, 2013 |

Baby Boomers are worried they may outlive their retirement assets and they have reason to be concerned as it becomes harder to retire in full on time.

Category icon Uncategorized

Tag Icon

More Employees are Saying, “I Quit!” These Days. But Why?

Dec 06, 2013 |

A record number of employees are quitting their job. But is this a sign of dissatisfaction or a sign that the job market really has recovered for workers?

Category icon Articles

Tag Icon

Consolidated Credit Recommends: Consumer Reports Naughty & Nice

Dec 04, 2013 |

Make sure to check your list twice! Consolidated Credit recommends Consumer Reports Naughty & Nice list to find the best retailers for holiday shopping.

Category icon Holidays

Tag Icon

Why We Don’t Listen to Housing “Experts”

Dec 02, 2013 |

A new study reveals homebuyers find the purchasing process to be complicated, so why aren't more homebuyers turning to housing professionals for advice?

Category icon Articles

Tag Icon

November 2013

Is Early Shopping Running Amok?

Nov 29, 2013 |

Black Friday used to represent the start of the holiday shopping season, but do more early bird sales mean less shopping stress for consumers?

Category icon Holidays

Tag Icon ,

Happy Thanksgiving from Consolidated Credit

Nov 28, 2013 |

Consolidated Credit wishes you a Happy Thanksgiving - looking at what the American workers are most thankful for at their jobs outside of the paycheck.

Category icon Articles

Tag Icon

Consolidated Credit Recommends: AARP Health Care Costs Calculator

Nov 27, 2013 |

Consolidated Credit recommends AARP's new free online Health Care Costs Calculator that helps consumers estimate healthcare expenses after retirement.

Category icon Articles

Tag Icon

Consolidated Credit Announces the Thanksgiving Leftover Recipe Contest

Nov 25, 2013 |

Consolidated Credit is running a week and a half long "Thanksgiving Leftovers Recipe Contest" on Facebook to promote how consumers can get the most out of their Thanksgiving meals without wasting food or money.

Category icon Company News

Tag Icon

Google Prepaid Debit Card Takes a Step Back to Move Forward

Nov 25, 2013 |

Google wants to move the financial world forward with their Wallet app, but this new physical card helps users make payments easier in the here and now.

Category icon Articles

Tag Icon ,

Don’t Let Retirement Woes Cripple You, Face Them Head On

Nov 22, 2013 |

More and more, Americans are hitting retirement age totally unprepared. Now even companies and career investors are worried about what's to come.

Category icon Articles

Tag Icon

Consolidated Credit Recommends: Online Holiday Shopping Guide

Nov 20, 2013 |

With online shopping becoming more popular, Consolidated Credit recommends an excellent guide to shopping safe online with additional helpful tips.

Category icon Holidays

Tag Icon

cybermonday_infographHOMEPAGE ELEMENT USA_2013

Infographic: Be Safe on Cyber Monday

Nov 19, 2013 |

Consolidated Credit offers this helpful infographic that shows how to you protect your identity as you shop online this year on Cyber Monday.

Category icon Articles

Tag Icon

Holiday Shopping Tip: Sometimes Paying More Pays Back

Nov 18, 2013 |

Find out how spending a little more money during the holiday shopping season can calm your nerves and pay you back in many different ways.

Category icon Articles

Tag Icon

A Poor Credit History Can Cost You More in Car Insurance

Nov 15, 2013 |

Consumers' credit history plays a significant role in determining the credit-based insurance score used in regulating one's monthly car insurance premium.

Category icon Auto, Insurance

Tag Icon , ,

Buying a Home won’t Solve Your Debt Crisis

Nov 13, 2013 |

Some people struggle with the choice between buying a home and getting out of a debt crisis. Find out the best option before you choose.

Category icon Articles

Tag Icon

Veterans at Risk Due to Lack of Financial Literacy

Nov 11, 2013 |

A study finds veterans don't have the financial literacy level necessary to get ahead and this deficit is leading to homelessness and other issues.

Category icon Articles

Tag Icon

Booking Early Saves Money on Holiday Travel

Nov 08, 2013 |

The holiday season is here and in addition to spending on gifts and décor, many consumers will be taking to the skies to make it home for the holidays.

Category icon Articles

Tag Icon

Consolidated Credit Announces Halloween Contest Winners

Nov 07, 2013 |

We asked consumers to show off just how frightfully frugal they could be by creating their own Halloween costumes totaling less than $15.00

Category icon Company News, Holidays

Tag Icon ,

Consolidated Credit Recommends: SocialSecurityforVeterans.com

Nov 06, 2013 |

Veterans, their widows and widowers get a free online tool to help increase their lifetime retirement benefits by up to $100,000.

Category icon Military

Tag Icon , ,

Vote with an open mind – and a closed wallet!

Nov 05, 2013 |

Election Day doesn't always end the way you want, but does the wrong outcome lead to overspending as you try to get rid of Election Day blues?

Category icon Uncategorized

Tag Icon

October 2013

Halloween advice – from pets to theft to work

Oct 31, 2013 |

While all of us are excited for treats, Halloween tricks can really cost you. Consolidated Credit offers advice to avoid some scary Halloween situations.

Category icon Articles

Tag Icon

Save Money, Avoid Energy Vampires

Oct 29, 2013 |

This Halloween, beware vampires lurking in your home! Energy vampires suck down power and drive up your energy bills. We help banish the energy vampires.

Category icon Uncategorized

Tag Icon

HalloweenInfographic_banner

Infographic: The scary truth about Halloween spending in 2013

Oct 24, 2013 |

Consolidated Credit offers a useful Halloween infographic that looks at the frighteningly high cost of Halloween frights in the U.S.

Category icon Articles

Tag Icon

Don’t Get Stuck with Deal Envy

Oct 24, 2013 |

Want to avoid that sinking feeling you get when you realize you could've gotten a better deal? Consolidated Credit helps you avoid the bite of deal envy.

Category icon Uncategorized

Tag Icon

Football Myths versus Finance Myths

Oct 22, 2013 |

A new survey looks at the most superstitious NFL fans, but even the biggest myths in the NFL are nothing next to the things we believe about our money.

Category icon Articles

Tag Icon

Consolidated Credit Recommends: HealthLawHelper

Oct 17, 2013 |

In a continuing effort to help our community, Consolidated Credit recommends the HealthLawHelper tool to navigate the signing up for health insurance.

Category icon Consumer Rights

Tag Icon

govt-furlough-homepage

Furloughed but Not Forgotten

Oct 10, 2013 |

Consolidated Credit announces a special program to help furloughed employees struggling to stay afloat during the government shutdown. Get details here.

Category icon Articles

Tag Icon

Forget the Debt Ceiling – The Big News This Month Is Debt Scamming

Oct 10, 2013 |

It's hard enough to deal with collectors who play by the rules, but some are going too far with practices that break the law and violate consumer rights.

Category icon Articles

Tag Icon

Announcing Frightfully Frugal Halloween Photo Contest

Oct 07, 2013 |

Consolidated Credit's Halloween Photo Contest is to die for - with cash prizes being awarded for the best frugal costume ideas that cost less than $15.

Category icon Company News, Holidays

Tag Icon ,

September 2013

Hispanic Heritage Month

Sep 27, 2013 |

Consolidated Credit celebrates Hispanic Heritage Month with a commitment to help Hispanic Americans learn to manage debt and credit effectively.

Category icon Articles

Tag Icon

student-loan_homepage-element

Infographic: Is the new student loan deal a better bet for you?

Sep 17, 2013 |

Consolidated Credit helps you understand how the new deal on student loan interest rates will affect your current and future student loan payments.

Category icon Articles

Tag Icon

August 2013

collegestudentdebt_homepage element

Student Debt Infographic: High Costs Increase by Generation

Aug 30, 2013 |

For the cost of one year of tuition today, your grandparents could have paid for their entire college education. This helpful infographic looks at the generational costs of attending college.

Category icon Articles

Tag Icon

Buy Sports Tickets Without Breaking The Bank

Aug 29, 2013 |

Many Americans can't afford to attend sporting events

Category icon Uncategorized

Tag Icon

back-to-school_home-page-element

Back-to-School Shopping Infographic, No Extra Credit

Aug 16, 2013 |

Consolidated Credit helps send the kids back to school without breaking the bank or winding up in debt with our handy back-to-school shopping infographic.

Category icon Articles

Tag Icon

How can you limit your student debt?

Aug 16, 2013 |

Scholarships are a great way to limit your student loan debt

Category icon Uncategorized

Tag Icon

How can I avoid overspending?

Aug 15, 2013 |

Overspending can be extremely damaging to your monthly budget

Category icon Uncategorized

Tag Icon

A few simple tips to save on last minute summer getaways

Aug 14, 2013 |

While many consumers may be budgeting for the fall as their children go back to school, there is still time to go on one last vacation before summer ends.

Category icon Articles

Tag Icon

Float Money LLC Announces Partnership with Consolidated Credit and KOFE

Aug 13, 2013 |

National credit counseling agency teams up with innovative budget-friendly program to promote financial health and responsibility.

Category icon Articles

Tag Icon

Four biggest mistakes consumers make when back-to-school shopping

Aug 12, 2013 |

Back-to-school shopping mistakes can be financially costly. We help you stay on budget so you can avoid credit card debt caused by overspending.

Category icon Budgeting, Family

Tag Icon ,

It’s financially possible to live without a credit card

Aug 09, 2013 |

Debit cards can be substituted for credit is most instances, to prevent problems with debt and avoid throwing money away on interest charges.

Category icon Articles

Tag Icon

Why should you use your credit card?

Aug 08, 2013 |

Rewards and consumer protection are just a few reasons to use credit cards

Category icon Articles

Tag Icon

Reducing your summer electric bill

Aug 07, 2013 |

Electricity bills skyrocket during the summer months

Category icon Uncategorized

Tag Icon

Consolidated Credit: Closing the Gap in Financial Literacy

Aug 06, 2013 |

A new report indicates a strong, pervasive gap between genders in the mission for financial literacy. Are women falling behind on financial education?

Category icon Articles

Tag Icon

The basics about rebuilding a credit score

Aug 06, 2013 |

Rebuilding a credit score doesn't have to be a complicated process

Category icon Articles

Tag Icon

How can I save more money?

Aug 05, 2013 |

Finding ways to save more money isn't as difficult as people might believe

Category icon Uncategorized

Tag Icon

Why are you in debt?

Aug 01, 2013 |

Debt can be causes by numerous different occurrences

Category icon Articles

Tag Icon

July 2013

debt-sucks-homepage-element

Debt Sucks™ Infographic: 10 Ways We Make the Debt Suckers Go Away

Jul 31, 2013 |

At Consolidated Credit, we understand that Debt Sucks! This helpful infographic shows the 10 ways we make debt suck a little less for clients like you.

Category icon Articles

Tag Icon

Simple tips to help parents save on back-to-school shopping

Jul 30, 2013 |

Back-to-school shopping can be expensive for families. We help you get through the second most expensive shopping season of the year on a budget.

Category icon Budgeting, Family

Tag Icon ,

credit-counseling-infographic-homepage-element

Credit Counseling Infographic: Take Flight with the Best Solution

Jul 30, 2013 |

Consolidated Credit helps you get off the ground with the right debt solution with a helpful infographic that outlines your five options for debt relief.

Category icon Articles

Tag Icon

Avoid spending too much on college textbooks

Jul 29, 2013 |

Saving money on textbooks can be helpful for college students

Category icon Uncategorized

Tag Icon

Easy ways to prevent costly overdraft fees

Jul 26, 2013 |

Overdraft fees can stack up and cause big problems for your bank accounts and your budget. We offer four tips to ensure you never pay another overdraft again.

Category icon Articles

Tag Icon

Simple ways to improve your credit score

Jul 25, 2013 |

Credit scores can be repaired using numerous methods

Category icon Uncategorized

Tag Icon

Four Tips for Choosing a Financial Planner

Jul 24, 2013 |

Choosing a financial advisor is an important decision that requires care and time

Category icon Financial Wellness

Tag Icon ,

Christmas in July

Jul 23, 2013 |

Consolidated Credit reports a drastic increase in consumer credit spending during the holidays and provides strategies to avoid potential debt.

Category icon Articles

Tag Icon

Three things to remember before getting that credit card

Jul 22, 2013 |

Credit counseling services can teach borrowers a lot about credit cards and their intricacies.

Category icon Articles

Tag Icon

Credit card fees that are easily avoided

Jul 19, 2013 |

Credit card fees can add unnecessary debt to credit card balances

Category icon Uncategorized

Tag Icon

The worst possible ways you can borrow money

Jul 17, 2013 |

Borrowing from these four sources can lead to major financial trouble

Category icon Uncategorized

Tag Icon

Four indicators a home will be a money pit

Jul 16, 2013 |

Buying a home that will cost you a lot of money in repairs is not recommended

Category icon Uncategorized

Tag Icon

Five instances in which canceling your credit card won’t hurt too much

Jul 15, 2013 |

Canceling your credit card is warranted in certain instances, just be aware of the impact closing a credit card account could have on your credit score.

Category icon Articles

Tag Icon

Signs you are carrying too much debt

Jul 12, 2013 |

Having too much debt can be a hindrance on your personal financial situation

Category icon Uncategorized

Tag Icon

Getting the best possible rate on a home loan

Jul 11, 2013 |

Getting a good deal on your mortgage can save you a lot of money

Category icon Uncategorized

Tag Icon

Four easy ways to lower your homeowner’s insurance premium

Jul 10, 2013 |

Reducing your homeowner's insurance premium can help prevent budget busting and give you more money to achieve your financial goals.

Category icon Articles

Tag Icon

Should you consolidate credit card debt?

Jul 09, 2013 |

Debt consolidation can be beneficial but it isn't for everyone

Category icon Articles

Tag Icon

Does a sunny employment outlook equal more debt repayment?

Jul 08, 2013 |

More consumers might be able to pay off credit card debt with the employment situation strengthening

Category icon Articles

Tag Icon

Consolidated Credit and The City of Miramar Vice Mayor Davis Host Homeowner Preservation Workshop

Jul 05, 2013 |

Miramar Vice Mayor Alexandra P. Davis and Consolidated Credit will host a Home Preservation event on Saturday, July 20 at Sunset Lakes Community Center.

Category icon Articles

Tag Icon

Online spending traps to avoid

Jul 03, 2013 |

Online shopping can lead to budget-busting purchases

Category icon Uncategorized

Tag Icon

Rising home prices help improve consumer personal financial situations

Jul 02, 2013 |

Increasing home prices can help consumers build a better financial outlook with the ability to leverage extra cash for financial gains.

Category icon Articles

Tag Icon

Save money on your summer vacation

Jul 01, 2013 |

Cutting down on the cost of your vacation can prevent budget busting

Category icon Uncategorized

Tag Icon

June 2013

Rates on federal Stafford loans could double soon

Jun 28, 2013 |

Student loan debt has become a major issue for graduating seniors, but if interest rates double on Stafford loans the challenges may be even worse.

Category icon Articles

Tag Icon

Save money on your July Fourth festivities

Jun 26, 2013 |

Saving money on your Fourth of July celebration can make this time of year less stressful

Category icon Uncategorized

Tag Icon

Saving is an essential part of financial success

Jun 25, 2013 |

There are numerous methods you can use to increase savings

Category icon Articles

Tag Icon ,

Don’t let your wallet blow-up

Jun 25, 2013 |

The Fourth of July is coming up. Consolidated Credit gives tips to help consumers make the most out of their money.

Category icon Articles

Tag Icon

Parents need to be financial role models for their children

Jun 24, 2013 |

Teaching your children about money is extremely important. Consolidated Credit offers tips on how to become the financial role model your kids need.

Category icon Articles

Tag Icon

Five strange ways to damage your credit score

Jun 21, 2013 |

Failing to pay your library fees can hurt your credit score

Category icon Uncategorized

Tag Icon

Three popular methods for paying down credit card debt

Jun 20, 2013 |

There are numerous methods to help you pay down credit card debt

Category icon Uncategorized

Tag Icon

Five benefits of using credit cards

Jun 19, 2013 |

Credit card debt shouldn't deter people from using plastic

Category icon Uncategorized

Tag Icon

You Need to Check Your Credit Reports for Errors Frequently

Jun 18, 2013 |

Errors on your credit report could be costing you money by causing higher interest on your credit lines. Here’s what you need to do to correct your credit.

Category icon Articles

Tag Icon ,

Five credit-management tips for college graduates

Jun 18, 2013 |

Becoming knowledgeable in credit management is essential for recent college graduates who need to get a leg up in their financial lives as early as possible.

Category icon Articles

Tag Icon

Five tips to save on summer travel

Jun 17, 2013 |

Saving money on a summer vacation can make people feel less guilty.

Category icon Uncategorized

Tag Icon

How dads can teach their children about money

Jun 14, 2013 |

Teaching children about money can be invaluable

Category icon Articles

Tag Icon

Five simple tips to create an emergency cash fund

Jun 13, 2013 |

Creating an emergency fund is essential for financial success

Category icon Articles

Tag Icon

Consumers respond to warm weather in May by increasing spending

Jun 12, 2013 |

Consumer spending increased in May, potentially leading to more credit card debt. Here's how the warm weather is warming up people's wallets, too.

Category icon Articles

Tag Icon

Report: Many seniors don’t earn enough for comfortable retirement

Jun 11, 2013 |

A survey finds the median household with earners who have permanently left the workforce may not have the funds to live comfortably during retirement.

Category icon Articles

Tag Icon

Four financial questions to ask your spouse before you get married

Jun 11, 2013 |

Asking your spouse financial questions before marriage can prevent any surprises after you tie the knot.

Category icon Articles

Tag Icon

Mid-Year Budget Check Up

Jun 10, 2013 |

The experts at Consolidated Credit have conducted a mid-year budget check-up plan to help consumers analyze their finances and manage their money for the second half of 2013.

Category icon Articles

Tag Icon

Five tips for first time credit card users

Jun 07, 2013 |

Getting a credit card for the first time without knowledge of them can lead to trouble

Category icon Uncategorized

Tag Icon

Strategies to help recent college grads pay down student debt faster

Jun 05, 2013 |

College graduates can turn to numerous methods to pay off their student debt faster

Category icon Articles

Tag Icon

Understanding credit card terms before opening an account

Jun 05, 2013 |

Comparing various credit card accounts can be challenging when each card's features differ significantly and individuals are not up-to-date on what certain terms and conditions mean.

Category icon Articles

Tag Icon

College graduates need to avoid poor money habits

Jun 03, 2013 |

Recent college graduates need to avoid money mistakes to ensure a successful financial future.

Category icon Articles

Tag Icon

May 2013

U.S. household wealth hovers at pre-recession levels

May 31, 2013 |

Despite adopting more frugal money management strategies, many Americans have yet to restore the wealth they once enjoyed prior to the Great Recession.

Category icon Articles

Tag Icon

Study: Americans still carry concerns over finances

May 30, 2013 |

The tide seems to be turning for many Americans, most of whom are reporting higher levels of optimism and confidence about their present circumstances and their future prospects.

Category icon Articles

Tag Icon

One-in-four consumers encounter credit discrepancies

May 29, 2013 |

A person's credit standing is a very important part of their money management. It helps determine everything from interest rates on lines of credit to eligibility for certain types of loan.

Category icon Articles

Tag Icon

Set ground rules when lending money to family members

May 28, 2013 |

For most people, maintaining and belonging to a close-knit family is everything and there is very little a person wouldn't do to help out a relative in need.

Category icon Articles

Tag Icon

homepage_banner

Infographic for College Grads: From Books to Briefcase

May 28, 2013 |

College grads may have difficulty transitioning from the classroom to the boardroom, given a weak economy and high youth unemployment rates.

Category icon Articles

Tag Icon

Money Advice to New Graduates

May 26, 2013 |

Consolidated Credit advises recent college graduates to be more aware of credit and debt policies to avoid any student debt repayment issues.

Category icon Budgeting, Company News, Young Consumers

Tag Icon

Women surpass men in using credit wisely

May 23, 2013 |

Several studies have revealed that when it comes to investing in retirement and financial preparedness, men typically surpass women, as the latter tends to be more cautious.

Category icon Articles

Tag Icon

Few couples discuss joint financial matters

May 22, 2013 |

When couples move in together, get engaged or tie the knot, most being merging belongings, sharing vehicles and otherwise building a close-knit life together.

Category icon Uncategorized

Tag Icon

Managing finances during a divorce

May 21, 2013 |

Divorce can be an ugly situation that no couple wants to think about, but when the worst happens, the financial ramifications are one of the many obstacles that partners must deal with.

Category icon Articles

Tag Icon

Growing your savings through smart budgeting

May 20, 2013 |

Most people are aware that developing a solid budget is one of the core strategies to building a healthy savings fund, but the confusion often lies in how to create a sound spending plan.

Category icon Articles

Tag Icon

Americans delay marriage, savings to pay off student debt

May 17, 2013 |

Student loan debt has ballooned to more than $1 trillion dollars, and many overwhelmed borrowers are being forced to put off significant life events as a result of their large balances.

Category icon Articles

Tag Icon

Study: Generation X to face worse retirement than boomers

May 17, 2013 |

Most adults begin focusing more attention on their retirement savings when they enter their 30s and 40s and the frightening possibility of falling short on savings starts to take its toll.

Category icon Articles

Tag Icon

Study reveals cities with highest credit card debt

May 16, 2013 |

There are several reasons individuals may rack up thousands of dollars in credit card debt, ranging from job losses and medical bills to irresponsible spending and living beyond their means.

Category icon Articles

Tag Icon , , , ,

Partnership Helps South Floridians in Distress

May 15, 2013 |

A Florida Community Bank grant will help Consolidated Credit and the NAACP provide financial literacy education in the Broward County area.

Category icon Articles

Tag Icon

Americans still lack credit score knowledge

May 15, 2013 |

Individuals' credit scores will play a significant role in their financial health and ability to secure the best loan terms, insurance rates and employment prospects.

Category icon Uncategorized

Tag Icon

One-third of home buyers misinformed about mortgages

May 09, 2013 |

Understanding the mortgage approval process can help buyers navigate home buying procedures, but a new study shows the risks of misinformation.

Category icon Articles

Tag Icon

Managing the financial shock of an unexpected illness

May 08, 2013 |

A long-term illness is an emotional and scary situation, but after the shock wears off it’s critical to take steps so your finances ready for the burden.

Category icon Articles

Tag Icon

Americans’ financial worry falls to pre-recession lows

May 07, 2013 |

Many Americans have been battling financial anxiety as a result of persistent unemployment, credit card debt, mortgage problems and living paycheck-to-paycheck.

Category icon Articles

Tag Icon

Questions to consider before purchasing a home

May 06, 2013 |

Purchasing a home can have myriad benefits for new owners, but it can also pose financial and credit risks for individuals who are not prepared for the responsibility of homeownership.

Category icon Articles

Tag Icon

Mother’s Day spending could decline this year

May 03, 2013 |

Mother's Day is just around the corner and numerous sons and daughters plan to purchase gifts to demonstrate just how much they care.

Category icon Uncategorized

Tag Icon

Americans concerned about savings and the economy

May 02, 2013 |

Recent economic gains have done little to assuage the concerns of most Americans, and many say that they are worried about the state of the nation's fiscal health and their own personal finances.

Category icon Articles

Tag Icon

New CARD Act rule may give more people credit access

May 01, 2013 |

The economic collapse of 2008 resulted in sweeping changes to credit card regulations throughout the country that were designed to provide more protection to consumers.

Category icon Articles

Tag Icon

April 2013

Consumers have room to improve their credit scores

Apr 25, 2013 |

When it comes to building and maintaining a strong credit rating, new data shows that there is a great deal of room for improvement.

Category icon Articles

Tag Icon

Long-term financial planning trumps immediate gains

Apr 24, 2013 |

Some people may thrive on instant gratification, but the majority of Americans believe long-term planning is more effective than immediate gains when it comes to their finances.

Category icon Articles

Tag Icon

Three areas to examine when checking your credit report

Apr 23, 2013 |

There are no documents that can paint you a more accurate and comprehensive analysis of your credit health than your credit report.

Category icon Credit Score, Debt Advice

Tag Icon ,

Organizing your finances can simplify money management

Apr 22, 2013 |

While you may think sufficient income and limited debt are the only keys financial stability, you can’t underestimate the importance of organization.

Category icon Articles

Tag Icon

Keys to an effective financial plan

Apr 19, 2013 |

Many people who are trying to improve their finances seek out advice and use a range of resources to help them develop a money management plan that works for them.

Category icon Uncategorized

Tag Icon

Three ways your tax refund can help you

Apr 18, 2013 |

Most individuals look forward to receiving a big tax refund after their file their returns, and many use the money to take the family on vacation or make a big-ticket purchase.

Category icon Uncategorized

Tag Icon

Study: Immediacy of society thwarts long-term planning

Apr 17, 2013 |

Technology and mobile media have made it easier for consumers to secure what they want more quickly and avoid the wait times that were previously associated with certain activities.

Category icon Articles

Tag Icon

Demand for housing counselors on the rise

Apr 16, 2013 |

Purchasing a home is undoubtedly one of the largest investments an individual will make in his or her lifetime, but many are confused or overwhelmed by the mortgage process.

Category icon Uncategorized

Tag Icon

Should you transfer your credit card balance?

Apr 15, 2013 |

A credit card balance transfer can be a good way to consolidate debt by moving your balances to a single credit card with a low interest rate.

Category icon Articles

Tag Icon

Common money blunders that make it difficult to save

Apr 10, 2013 |

Most people can admit to making budgeting mistakes once or twice, but for others, money management practices have become habits they need to break.

Category icon Articles

Tag Icon

Tips to help you stick to your budget

Apr 09, 2013 |

The value of creating and sticking to a realistic budgeting plan cannot be overstated, but adhering to spending guidelines and making drastic cuts can be easier said than done for many people.

Category icon Uncategorized

Tag Icon

Red flags that signal you’re living beyond your means

Apr 08, 2013 |

You may not think that splurging for a nice dinner or a new appliance will derail your finances, but how do you know where you’re in real danger?

Category icon Articles

Tag Icon

Rising Child Care Costs Impose Heavy Financial Burden

Apr 05, 2013 |

Couples struggle to pay bills, lower credit card debt or make their mortgage payments, and now face the new budgetary burden of rising child care costs.

Category icon Articles

Tag Icon

Pew Analyzes Effects of Hardship on Financial Security

Apr 04, 2013 |

The recession officially ended in 2009, but for the many households that continue to face long-term unemployment, credit card debt and rising costs, their financial struggles continue.

Category icon Articles

Tag Icon

High School Students Lack Education on Financial Topics

Apr 03, 2013 |

Financial experts agree the earlier people get educated on basic financial topics and money management, the better equipped they are to handle challenges.

Category icon Articles

Tag Icon

High Schoolers Lack Knowledge to Ensure Success

Apr 02, 2013 |

When it comes to financial literacy, the earlier in life someone starts to understand money and credit, oftentimes the more successful they'll be later on in life.

Category icon Articles

Tag Icon

Comerica Bank Announces Grant to Consolidated Credit

Apr 02, 2013 |

Comerica Bank will provide Consolidated Credit with a $10,000-grant to bring more seminars and financial education to the South Florida community.

Category icon Articles

Tag Icon

Seniors Face Rising Household Debt

Apr 01, 2013 |

Many Americans are carrying sizable credit card and loan balances, but new data shows that a growing number of seniors are facing this scenario.

Category icon Articles

Tag Icon

March 2013

Lack of Financial Education Leads to Debt

Mar 29, 2013 |

April is Financial Literacy Month and in an effort to promote financial education Consolidated Credit is offering a free 4-step guide to help consumers get started on improving their finances.

Category icon Articles

Tag Icon

Will your teen be financially dependent in their 20s?

Mar 28, 2013 |

With the economy slow to recover from the Great Recession and few jobs available, many teens believe they will be financially dependent on their parents until their mid- to late-20s.

Category icon Articles

Tag Icon

Lack of Time Prevents Americans From Financial Planning

Mar 27, 2013 |

Financial planning is essential to anyone who wants to be successful with their money, but the reality is that many Americans don't complete this task for a number of reasons

Category icon Articles

Tag Icon

Financial Security Among Americans Rising

Mar 25, 2013 |

With the stock market reaching all-time highs and job growth continuing, Americans' financial security increased in March.

Category icon Articles

Tag Icon

U.S. Households With Debt See Balances Rise

Mar 22, 2013 |

Although fewer American households have debt, the U.S. Census Bureau reports those who do have debt have seen balance increase.

Category icon Articles

Tag Icon

Baby Boomers Relying on Themselves for Retirement Funds

Mar 21, 2013 |

While government programs such as Social Security aid in retirement, some Boomers believe the government should do more to fund Americans' retirement.

Category icon Articles

Tag Icon

National Credit Default Rate Declines in February

Mar 20, 2013 |

After the financial crisis, many Americans began to struggle with mortgage and credit card debt, which led to a hike in the national credit default rate.

Category icon Articles

Tag Icon

Many Americans Admit to Making Money Mistakes

Mar 19, 2013 |

When looking to achieve financial success, money mistakes can be derailing. These can include taking on too much credit card debt and not saving enough for retirement.

Category icon Articles

Tag Icon

BankUnited Announces Grant to Consolidated Credit

Mar 19, 2013 |

BankUnited announces a $30,000 grant to Consolidated Credit to provide education to first-time home buyers and homeowners at risk of foreclosure.

Category icon Articles

Tag Icon

Consolidated Credit Helps Consumers to Spring Clean Their Finances

Mar 18, 2013 |

Spring is the perfect time for consumers to give their finances some fresh air. Consolidated Credit offers tips to help consumers clean out the financial clutter and reduce debt.

Category icon Articles

Tag Icon

Using a Credit Card Responsibly Has Many Benefits

Mar 18, 2013 |

Although many may shy away from using plastics because of the risks, credit cards can provide consumers with numerous benefits if used responsibly.

Category icon Articles

Tag Icon

Having Emergency Savings Can Help You Make Mortgage Payments

Mar 15, 2013 |

During the Great Recession, many Americans struggled to make on-time mortgage payments, which led to millions of foreclosures. This forced many people out of their homes.

Category icon Articles

Tag Icon

Spring Home Maintenance Tips to Help You Save Money

Mar 14, 2013 |

As spring approaches, there are many home maintenance projects people can take on that can help them lower their costs and have more money to pay down that holiday debt.

Category icon Housing

Tag Icon ,

Financial Tips for College Students 

Mar 13, 2013 |

While in college, many people will begin to be responsible for their own expenses. With that said, this is the time they need to begin getting serious about their finances.

Category icon Articles

Tag Icon

Consumer Sentiment Continued to Improve in March

Mar 12, 2013 |

The economy has been showing signs of improvement, as more jobs are being added and the Dow Jones hit an all-time high, which could be helping boost consumer sentiment.

Category icon Articles

Tag Icon

Factors That Could Increase Your Auto Insurance Premiums

Mar 11, 2013 |

Being bogged down with credit card debt can be a strain, especially if one of your other expenses increase, such as your auto insurance premiums.

Category icon Auto, Insurance

Tag Icon

Many People Lose Money by Wasting Food

Mar 07, 2013 |

Are you throwing out your money with your leftovers? Wasting food can be a real budget killer. We’ll show you how to save by ensuring you clean your plate.

Category icon Budgeting

Tag Icon

Some Americans Plan to Spend Their Tax Refund

Mar 06, 2013 |

Instead of spending your tax refund, save it or use it to pay down debt

Category icon Articles

Tag Icon

Poor Money Habits That Could be Costing You Money

Mar 04, 2013 |

While everyone would like to have perfect finances, there are plenty of ways you can put a positive outlook at risk if you have these bad money habits.

Category icon Financial Wellness

Tag Icon

Financial Advisers Positive About Economy’s Future

Mar 01, 2013 |

People may be able to improve their financial situations with the economy on the mend

Category icon Articles

Tag Icon

Fraud Increase Warning for National Consumer Protection Week

Mar 01, 2013 |

Consolidated Credit offers credit card protection tips to consumers during National Consumer Protection Week.

Category icon Articles

Tag Icon

February 2013

Refinancing at Today’s Low Rates Could Save You Money

Feb 28, 2013 |

Record low mortgage rates could save people money through refinancing

Category icon Articles

Tag Icon

savingsInfographic_banner_english

Infographic: America Saves Week 2013

Feb 27, 2013 |

Consolidated Credit marks America Saves Week with a helpful infographic of how Americans are saving plus tips on how you can improve your own savings

Category icon Articles

Tag Icon

Many Americans Plan to Work After Retirement

Feb 27, 2013 |

Many older Americans believe they'll work in retirement

Category icon Articles

Tag Icon

Auto Loan Delinquency Rate Nears Record Low at Year’s End

Feb 26, 2013 |

Auto loan delinquencies hover around all-time lows, what does this mean for consumer debt levels in America?

Category icon Articles

Tag Icon

Credit Card Debt an Issue for Some Americans

Feb 25, 2013 |

Nearly half of Americans have more credit card debt than emergency savings

Category icon Articles

Tag Icon

Credit Challenge: Can You Stop Credit Use for America Saves Week?

Feb 25, 2013 |

Consolidated Credit is challenging consumers to live credit card free for one week during America Saves Week, February 25th to March 2nd.

Category icon Articles

Tag Icon

Housing Affordability Improves to End 2012

Feb 22, 2013 |

Almost 75% of home sold in the last quarter of 2012 were to families with a median income of $65,000. This shows homes are actually affordable for most consumers.

Category icon Articles

Tag Icon

Many Americans Get Above Water on Mortgages in 2012

Feb 21, 2013 |

Nearly 2 million homeowners returned to positive equity in 2012. What does this mean for the housing market?

Category icon Articles

Tag Icon

Costly Credit Card Mistakes

Feb 19, 2013 |

There are many mistakes you can make with your credit cards that can be costly.

Category icon Articles

Tag Icon

Details to Consider Before Buying a Home

Feb 14, 2013 |

There are many things to consider before buying a home.

Category icon Articles

Tag Icon

Use Balance Transfers to Help Pay Down Credit Card Debt

Feb 13, 2013 |

Balance transfers can help you pay down your credit card debt.

Category icon Articles

Tag Icon

Many Americans Struggle to Build Their Savings

Feb 12, 2013 |

Half of Americans don't have any money after paying monthly expenses.

Category icon Articles

Tag Icon

TransUnion: Mortgage Delinquency Rate Declined in 2012

Feb 12, 2013 |

The mortgage delinquency rate has been on the decline.

Category icon Articles

Tag Icon

Consumers May Pay High Price for Errors on Credit Reports

Feb 12, 2013 |

A Federal Trade Commission study showed that 5 percent of credit reports have mistakes that could lead consumers to pay more for loans, insurance and other financial products.

Category icon Consumer Rights

Tag Icon ,

Never Pay a Late Fee on Your Credit Card

Feb 08, 2013 |

There are many ways people can avoid credit card late fees.

Category icon Articles

Tag Icon

Quick Fixes for Your Credit Score

Feb 07, 2013 |

Need a quick fix for your credit score? Follow these simple steps.

Category icon Uncategorized

Tag Icon

Protect Yourself From Credit Card Fraud

Feb 06, 2013 |

When using credit cards it is important to be vigilant to avoid fraud.

Category icon Articles

Tag Icon

Easy Ways to Save $50 This Year

Feb 04, 2013 |

Save money each year by increasing your deductible, consolidating debt and more.

Category icon Articles

Tag Icon

January 2013

Buying a Home? Consider These Mortgage Tips

Jan 25, 2013 |

Buying a home is one of the greatest milestones many people accomplish during their lifetimes, and the process of moving in, purchasing new furniture and personalizing the house can be exciting.

Category icon Uncategorized

Tag Icon

Financial Insecurities Persist Among Americans

Jan 23, 2013 |

The impending fiscal cliff was big news in December, and was named the primary scapegoat for Americans' financial insecurities.

Category icon Articles

Tag Icon

Many Americans Rely on Retirement Savings to Cover Basic Needs

Jan 22, 2013 |

Building a healthy retirement nest egg is a lifelong process, and the longer contributions are allowed to accrue, the greater a person's potential to meet their targeted goals.

Category icon Articles

Tag Icon

Americans Poised to Take on More Credit in 2013

Jan 22, 2013 |

In the years immediately following the recession, most Americans adopted to different outlook toward credit.

Category icon Articles

Tag Icon

Simple Ways to Involve Your Spouse in the Household Finances

Jan 22, 2013 |

There is no right or wrong way for couples to manage their income, and many households have their own preferences for paying bills, saving money and handling their day-to-day financial affairs.

Category icon Articles

Tag Icon

Consumers Want to Educate Themselves on Credit

Jan 22, 2013 |

Professional financial services groups, such as credit counseling agencies, advisors and financial planners, are all well aware of how important a strong credit score is in a person's life.

Category icon Articles

Tag Icon

Consumers Say Pre-recession Economy is Unlikely to Return

Jan 22, 2013 |

Job insecurities, rising food costs, fluctuating gas prices and market volatility are only a few ramifications of the Great Recession that officially ended in 2009.

Category icon Articles

Tag Icon

Banks Offer More Near-prime Credit Cards, But Should You Get One?

Jan 22, 2013 |

If you have less-than-perfect credit, a near-prime credit card may be the answer you need to get financing, but is it the right move for your money?

Category icon Articles

Tag Icon

Pre-retirees Incurring Large Amounts of Credit Card Debt

Jan 22, 2013 |

Credit card debt can be financially crippling at any age, but for those nearing retirement, carrying large balances can have long-term implications that may threaten their golden years.

Category icon Articles

Tag Icon

Have You Talked to Your Lender About Hardship Programs?

Jan 10, 2013 |

When consumers are drowning in credit card debt and trying to dig themselves out of a hole, the prospect of living debt free can seem unattainable.

Category icon Articles

Tag Icon

Consolidated Announces 16th Annual Holiday Story Contest Winners

Jan 09, 2013 |

Three winners told Consolidated Credit about their personal journeys.

Category icon Company News

Tag Icon

Internet Is Top Resource for Buyers Interested in Homeownership

Jan 09, 2013 |

Homeownership can be a worthwhile, yet expensive, endeavor, and many people have several questions about how to begin the process and what obtaining a mortgage will entail.

Category icon Homebuyers, Housing

Tag Icon , , , ,

A Racial Divide in Retirement Planning

Jan 08, 2013 |

The National Institute on Retirement Security finds people of color are less prepared for retirement. So how can these households become retirement-ready?

Category icon Articles

Tag Icon

Americans Can Expect to Pay Higher Prices in 2013

Jan 08, 2013 |

Continued inflation in 2013 means consumers can expect higher prices on everything from major assets to everyday purchases. Here’s how to budget.

Category icon Articles

Tag Icon

Credit Checkout Fees on the Horizon

Jan 07, 2013 |

A provision of a recent settlement reached between retail groups and the nation's largest credit card processors may go into effect in the near future.

Category icon Articles

Tag Icon , , , ,

Americans Make Emergency Savings Their Top Priority in 2013

Jan 04, 2013 |

Several studies conducted over the course of 2012 have demonstrated that many consumers are severely lacking a cash cushion to protect them in the face of unexpected expenses.

Category icon Articles

Tag Icon

Surviving an Injury or Medical Issue Can be Financially Burdensome

Jan 03, 2013 |

There are a number of financial scenarios that can be harmful to households, such as excessive credit card debt, limited savings and failing to build an emergency fund.

Category icon Articles

Tag Icon

On Different Pages Financially?

Jan 02, 2013 |

Financial disputes are a common part of a marriage, and most couples work hard to resolve their different money management styles.

Category icon Articles

Tag Icon

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

FREE Debt Consultation