2014 News Archive

December 2014

The New Face of Retirement

Dec 31, 2014 |

Boomers are working past the age of 65, and some do it by choice. We offer tips to help you map your retirement destiny if you want to keep working.

Category icon Retirement

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3 Financial Tips for Job Transitions

Dec 30, 2014 |

Pursuing a new career opportunity is exciting, but you have to make sure your finances are ready so you avoid problems with debt during the move.

Category icon Employment

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2014 Markets Close with a Bang

Dec 29, 2014 |

Economists say the markets will boom in 2015. Are your finances ready for it? And do you have a plan for paying off new debt you may take on next year?

Category icon Financial Wellness

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Boomers Delay Retirement

Dec 26, 2014 |

Many Boomers may delay retirement plans because they feel under-prepared and lack confidence in the amount of money they have saved.

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Is it Time to Ditch Your Landlord to Save Big?

Dec 24, 2014 |

With rent more than twice the cost of monthly mortgage payments in most places, is it time to buy a home? Learn if you’re ready to apply for a mortgage.

Category icon Homebuyers, Housing

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How to REALLY be Happy at Work

Dec 23, 2014 |

A new survey from Monster reveals happiness at work may have more to do with coworkers and your boss than it does with the dollar amount on your paycheck.

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Lenders Fall Short for Homebuyer Education

Dec 22, 2014 |

Mortgage lenders aren’t doing their jobs when it comes to providing information to homebuyers. Find out what you need to know when looking for a home.

Category icon Homebuyers

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Americans Still Turning to Lending Alternatives

Dec 19, 2014 |

Families throughout the U.S. continue to struggle to achieve stability, turning to lending alternatives and even family to find the financing they need.

Category icon Debt Advice

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Education is Key to Overcoming Poverty

Dec 18, 2014 |

A new study finds low-income households have income-earners who don’t have college degrees. So does a college education support financial success?

Category icon Family, Financial Wellness

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When Credit Card Fraud Email Is Legitimate

Dec 16, 2014 |

Guest columnist Lori Pollack, Executive Director of ACCPros helps you understand how to identify a legitimate fraud detection email from your creditors.

Category icon Identity Theft

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Making Work/Life Balance Happen

Dec 15, 2014 |

A new poll shows people believe you have to find work/life balance yourself – regardless of what is (or isn’t) happening in Washington.

Category icon Family

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Can Money Buy Happiness?

Dec 12, 2014 |

Can Money Buy Happiness? Affluent women say it helps. They credit their success to the financial lessons their parents passed on in their formative years.

Category icon Financial Wellness, For Women, Retirement

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Americans ‘Optimistic’ About Housing

Dec 10, 2014 |

The housing market is on the upswing thanks to income gains and greater stability, according to Fannie Mae. Is it the right time for real estate?

Category icon Homebuyers, Housing

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More Women Find Employment

Dec 08, 2014 |

Women are finding jobs faster than men, but not in top positions. How can households cope when the primary breadwinner encounters a glass ceiling?

Category icon Budgeting, Employment, For Women

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What Boomers Regret Going into Retirement

Dec 05, 2014 |

Boomers regret not saving enough for retirement but you can learn from their costly mistakes by avoiding what they did or doing what they didn’t.

Category icon Retirement

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Debt Collection Can Lead to Identity Theft

Dec 03, 2014 |

Over 70,000 consumer identities may be compromised thanks to bad business practices by debt sellers trying to turn a profit on debt collections accounts.

Category icon Debt Collection, Identity Theft

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Facing Challenges with Medical Debt

Dec 02, 2014 |

Survey finds Americans struggle with medical debt collections more than any other debt source. Here’s why more people struggle with medical debt.

Category icon Debt Advice, Debt Collection

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Are Overdraft Fee Policies Outdated?

Dec 01, 2014 |

Some banks revise their overdraft policies ahead of new CFPB regulation. Could paying high overdraft fees soon be a thing of the past for consumers?

Category icon Banking

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November 2014

Online Holiday Shopping at Work

Nov 28, 2014 |

More bosses are allowing employees to cybershop at work this holiday season, but they’ll be monitoring for excessive use. Here’s what you need to know.

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Be Thankful about Staying on Budget

Nov 27, 2014 |

Consolidated Credit makes it easy to be thankful for financial stability with three helpful tips to help you avoid holiday debt problems this year.

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What NOT to Buy on Black Friday… and when

Nov 26, 2014 |

Some experts say the deals just are worth your time. So how do you get the best deals to reduce your holiday budget if Black Friday is not the answer?

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Dec. 5 HARP Outreach Event

Nov 26, 2014 |

The Federal Housing Finance Agency is hosting an outreach event in Miami, Florida to help connect struggling homeowners with payment assistance.

Category icon Foreclosure, Housing

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Do Women Listen More about Retirement?

Nov 24, 2014 |

Women may not be as confident about retirement as men, but their confidence soars once they get specialized advice on the subject. Now the advice is free.

Category icon For Women, Retirement

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Tax Collection Scam Targets New Yorkers

Nov 21, 2014 |

Law enforcement warns of a new tax collection scam targeting New York residents, where call center reps claim to be from the IRS and demand payment.

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Both sexes struggle to balance home and work life

Nov 21, 2014 |

Survey reveals both men and women struggle to balance family life and career. While women are open with their struggle, men only open up to other men.

Category icon Family, For Women

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What’s the HARP Holdup?

Nov 20, 2014 |

Many homeowners are still struggling with underwater homes and negative mortgage equity, so why aren’t more people taking advantage of HARP to get relief?

Category icon Foreclosure, Housing

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Fighting to Switch

Nov 18, 2014 |

Lori Pollack of ACCPros discusses how easy it is to lose money when you switch mobile service providers and offer tips to avoid getting charged.

Category icon Financial Wellness

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Americans Double Up on Housing

Nov 17, 2014 |

A new Zillow survey finds Americans are rooming together to save money and counteract stagnant income, which may be contributing to the slow market.

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Most Blended Families Living Paycheck To Paycheck

Nov 14, 2014 |

Blended families are not having as much success with their finances as traditional families, but there is hope, especially for the younger generation.

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Veterans Face Unique Employment Challenges

Nov 10, 2014 |

A new survey finds the stigma and a misunderstanding of PTSD may be a roadblock to gainful employment as service members transition to civilian life.

Category icon Employment, Military

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What Does Good Customer Service Cost?

Nov 07, 2014 |

A new study reveals that consumers are willing to spend more money at a company that offers excellent customer service and they tell their friends about it.

Category icon Banking

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Mortgage Rates Hit their Lowest Point in 2014

Nov 05, 2014 |

As the average mortgage rate hits a low point for the year, homebuyers should be strategic to minimize added interest over the life of their loans.

Category icon Homebuyers

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Home Retention Strategies Work to Prevent Foreclosure

Nov 03, 2014 |

For every foreclosure sale closed in August, five homes were saved or sold off gracefully by the owners. Is this the final sign of the housing recovery?

Category icon Foreclosure, Housing

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October 2014

Halloween Spending Statistics

Oct 31, 2014 |

The average price tag for Halloween has inched a little higher this year. So how long do we have before holidays become too expensive to celebrate?

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Helping Millennials Achieve Homeownership

Oct 30, 2014 |

Student loans may be holding Millennials back from buying their first homes, but is taking student loans out of the approval process the right decision?

Category icon Homebuyers

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Women Working their Way Up

Oct 29, 2014 |

More women are taking the plunge into business ownership and as a result, women-owned businesses have seen historic growth rates and revenue.

Category icon For Women

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A Positively Awful Problem: Negative Options

Oct 28, 2014 |

The Executive Director of the Association of Credit Counseling Professionals talks to us about damaging hidden and recurring charges on credit cards.

Category icon Consumer Rights, Credit Cards

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Why Two Thirds of Americans are Limiting Spending

Oct 27, 2014 |

Two thirds of Americans are cutting costs in their budget in an effort to increase savings and combat financial issues brought on by stagnant income.

Category icon Budgeting

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The Risk of Outliving Your Money

Oct 24, 2014 |

A recent survey reveals a scary trend. Americans don’t believe they’ll have enough money to live on when they get old and they aren’t preparing either.

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Choosing Between Health and Financial Security

Oct 23, 2014 |

A new survey shows Americans feel like they have to choose between physical and financial health, but is it possible to have both if you live on a budget?

Category icon Financial Wellness

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Does Owning a Home Mean You’re Financially Stable?

Oct 22, 2014 |

A study reveals renters lack financial stability when compared to homeowners, but even more troubling is the lack of financial literacy overall.

Category icon Financial Wellness, Housing

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There are Bigger Problems than Credit Card Debt

Oct 20, 2014 |

A TransUnion loan share study finds credit card debt may be the least of our concerns when it comes to types of debt that cause problems for consumers.

Category icon Debt Advice, Financial Wellness, Seniors, Young Consumers

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Research of the Week: Millennials and money

Oct 17, 2014 |

Do Millennials know how to manage their money? If not, where do they go to learn? Sadly, it seems they’re turning to parents who may be just as clueless.

Category icon Family, Financial Wellness

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Does Your Credit Score Make You “Unbankable”?

Oct 16, 2014 |

The CFPB is looking to change the way banks use credit reports to avoid having consumers get into situations where they can’t even open a bank account.

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More Homeowners Taking Advantage of Home Equity Gains

Oct 13, 2014 |

Borrowers are getting comfortable taking out money against their home’s equity, but are home equity loans putting us back in line for a bad bubble burst?

Category icon Housing

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Millions Stolen from Seniors in Medicare Scam

Oct 10, 2014 |

Know the facts so that you and older relatives can be protected from scams targeted at senior citizens, like the recent Medicare telemarketing scheme.

Category icon Retirement, Seniors

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44% of Student Loan Borrowers Can’t Make Their Payments

Oct 09, 2014 |

When 44 percent of borrowers with federal student loan debt can’t afford to make payments, is it even possible to fix a lending system that’s so broken?

Category icon Young Consumers

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Critical Care to Cut Medical Debt Problems

Oct 08, 2014 |

The Association of Credit Counseling Professionals (ACCPros) offers three tips to people who are facing credit problems due to unpaid medical bills.

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Even High-Income Earners have Problems with Money

Oct 06, 2014 |

Alongside their high-level course load, Yale Law Students are also taking classes on buying clothes on budget because they lack basic financial literacy.

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Are Consumers Confident or Confused About Home Buying?

Oct 03, 2014 |

Consumers say they are confident, but reveal they are not well informed about the home buying process. Get expert advice to clear up the confusion.

Category icon Homebuyers, Housing

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Student Loan Default Rate Better, but Not Great

Oct 02, 2014 |

A 10 percent decrease in defaults since last year is a good sign, but rates are still significantly higher than pre-recession levels.

Category icon Young Consumers

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Fewer First-Time Homebuyers than Ever

Oct 01, 2014 |

There are less first-time home buyers than ever before and it’s because the FHA has more than doubled its insurance fees. But there is help available.

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September 2014

Financial Wellness Programs a Plus for Employees

Sep 30, 2014 |

Financial wellness programs help employees save more money and better prepare for their retirement. And they are more productive at work. Learn more.

Category icon Financial Wellness

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Wage Garnishment on the Rise in the U.S.

Sep 29, 2014 |

A new study reveals wage garnishment is on the rise in the U.S. and the most common reason for garnishment comes from back child support payments.

Category icon Debt Relief, Family

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Minorities Striving for Financial Freedom

Sep 26, 2014 |

Four minority groups equate financial success with being debt free. Learn how to gain your financial freedom and have cash to do the things you love.

Category icon Financial Wellness, For Latinos

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Promoting Financial Literacy to Hispanic-Americans

Sep 25, 2014 |

Consolidated Credit marks Hispanic Heritage Month by offering 3 essential steps Hispanic-Americans should take to get on the road to financial freedom.

Category icon For Latinos

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Americans Break Records with FICO Credit Scores

Sep 24, 2014 |

The average consumer credit score just hit an all-time high, but will consumers backslide into bad habits now that the recession is behind us.

Category icon Credit Score

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Debt Collectors Face New Rules in New York

Sep 23, 2014 |

Learn how new regulations imposed by the New York state court system could affect you if you’re facing default judgments on credit card debt collection.

Category icon Consumer Rights, Debt Advice, Debt Collection

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Bankruptcy Filings Down 15 Percent from 2013

Sep 22, 2014 |

With bankruptcy filings down from last year and delinquency rates improving, is the average American family finally out of the woods with debt?

Category icon Bankruptcy, Financial Wellness

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Why Women are Leaving Good Paying Jobs

Sep 19, 2014 |

Working women are leaving good paying jobs for jobs that pay less in order to alleviate stress and find a better balance between work and home.

Category icon Family, Financial Wellness, For Women

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Jump-Start Your Retirement Plan Day

Sep 18, 2014 |

Consolidated Credit is recommending a one-day online web chat from Kiplinger and the NAPFA that can answer all of your questions about retirement.

Category icon Financial Wellness, Retirement

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How Employers Can Help Employees Focus at Work

Sep 17, 2014 |

Employees who are distracted by financial stress aren’t as productive, so the CFPB has launched a new initiative to help employers help their workforce.

Category icon Employment, Financial Wellness

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Reaching the Breaking Point with Student Loan Debt

Sep 15, 2014 |

With no legislation in sight to stem the high cost of a college education, the burden in on parents to help children afford post-secondary education.

Category icon Student Debt, Young Consumers

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Vacation Saving Strategies for Servicemembers

Sep 12, 2014 |

See how servicemembers worried about sequestration and a weak economy are creating saving strategies to cut the costs of vacations.

Category icon Military, Saving, Travel

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Will Congress Overhaul the Fair Credit Reporting Act?

Sep 11, 2014 |

Lawmakers want to overhaul the legislation that governs consumer credit reports, but are the proposed changes really good for the average consumer?

Category icon Consumer Rights, Credit Score

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Total New Credit Card Debt Jumps Over 25 Percent

Sep 10, 2014 |

The average American consumer is back to holding as much debt as they did pre-recession, but are they taking on more debt than they can manage?

Category icon Credit Cards, Debt Relief

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Millennials are Feeling the Financial Pressure

Sep 08, 2014 |

A new survey finds millennials are stressed about finance. Learn how to improve your outlook so you can prepare your budget for major life events.

Category icon Financial Wellness

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A Loan When You’re Ill?

Sep 05, 2014 |

Hospitals want their patients to pay their bills so they’re teaming up with banks to offer interest free loans for people who can’t afford treatment.

Category icon Debt Relief, Insurance

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Singles are Serious about Owning a Home

Sep 04, 2014 |

Single homebuyers are more serious about buying a home as almost fifty percent think it’s important. But they are also terrified about purchasing one.

Category icon Homebuyers

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Why is Qualifying for a Mortgage so Difficult?

Sep 03, 2014 |

Even though some banks have reduced their lending standards, most Americans are having problems qualifying for a mortgage because of their credit.

Category icon Credit Score, Homebuyers

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Stop Laboring under the Burden of Credit Card Debt

Sep 01, 2014 |

Laboring under the burden of big credit card debt? This Labor Day, Consolidated Credit urges you to show your debt whose boss and take back control.

Category icon Debt Relief

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August 2014

Parents Talk to Sons about Money More than Daughters

Aug 29, 2014 |

A shocking survey found that more parents talk with their boys about money than their girls. All kids should learn the value of money equally.

Category icon Family, Financial Wellness

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Poor Credit Can Equal Higher Insurance Costs

Aug 28, 2014 |

Homeowners with poor credit-based insurance scores pay more for insurance than a person with excellent credit. Find out how to improve your score.

Category icon Credit Score, Housing, Insurance

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Scheme Aimed at Ripping Off Military Members Shutdown

Aug 27, 2014 |

Scam artists stole millions of dollars from military members and other consumers. But they were caught. Find out how you can avoid being scammed.

Category icon Debt Collection, Military

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20 Percent of Home-Equity Loans at Risk of Default

Aug 25, 2014 |

Payments on home equity loans taken out in the early 2000’s may double now that the interest-only draw period is ending. Here’s how to avoid default.

Category icon Debt Advice, Housing

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More Bad News for College Students

Aug 22, 2014 |

Two studies find neither parents nor kids are saving enough for school. So how are students supposed to afford college without massive student loan debt?

Category icon Saving, Student Debt, Young Consumers

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More Good News than Bad about Jobs

Aug 21, 2014 |

New jobs data has been released and the outlook seems to be heading in the right direction, but is the employment picture really as sunny as it seems?

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Financial Concerns Overwhelming for Many Americans

Aug 19, 2014 |

Financial concerns are scaring many Americans even though the economy is bouncing back. Learn what’s scaring them the most and how to ease the pain.

Category icon Budgeting, Financial Wellness

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Military Families Stressed by Sequestration and Downsizing

Aug 18, 2014 |

Military members are still stressed about their financial future but now they are saving more money. Find out who’s helping them plan their future.

Category icon Financial Wellness, Military

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How to Score More

Aug 15, 2014 |

Changes to the way FICO and the credit bureaus calculate your credit score may help you get better credit so you can reach your goals and get lower APR.

Category icon Credit Score

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New HUD Rules for Reverse Mortgages

Aug 14, 2014 |

New HUD rules try to clear up the confusion over reverse mortgages, but are these new rules really helping seniors borrowers get a better deal?

Category icon Housing, Seniors

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Budget Buster: Back to School Shopping

Aug 13, 2014 |

There are reasons why back to school shopping busts your budget. Kids, impressing others with new clothes and tech devices are just a few. Learn more.

Category icon Budgeting, Family

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Women, Low Earners Missing Out on Retirement Benefits

Aug 11, 2014 |

Are you taking advantage of your employer-based retirement plan? If not learn how valuable it is to contribute and if one is available to you.

Category icon Retirement

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Can You Really Retire with Enough Money?

Aug 07, 2014 |

If you think retirement is completely out of your reach, learn how other everyday Americans are managing to retire on time and achieve their lifestyle goals.

Category icon Retirement

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What are Grandparents Good for?

Aug 06, 2014 |

A new study finds youth are more interested in hearing financial advice from their grandparents than you might think – particularly for financing education.

Category icon Seniors, Young Consumers

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Improve Your Chances of Getting a Mortgage

Aug 05, 2014 |

JP Morgan and some other banks want higher credit scores from people in order to qualify for a mortgage. Find out how housing counseling can help.

Category icon Homebuyers

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Homebuyers Overwhelmed by Mortgage Terms

Aug 04, 2014 |

Prospective homebuyers are confused by the surplus of information available to them when it comes to mortgage terms and buying a home.

Category icon Homebuyers

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Economic Issues still Worry Latinos

Aug 01, 2014 |

Even with experts saying the recession is done, most Latinos still feel the stress from unemployment and foreclosure worries. But help is available.

Category icon Financial Wellness, For Latinos

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July 2014

Using financial empowerment to find success

Jul 31, 2014 |

Only 1 in 4 women feel successful, but while some believe this is directly tied to power, we believe financial empowerment is just as important.

Category icon For Women

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Americans are Unhappy with Their Insurance

Jul 30, 2014 |

Most Americans depend on themselves when choosing insurance options and many aren’t happy with the results. Maybe it’s time they call an expert.

Category icon Insurance

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Home Equity Loans Gain Popularity Again

Jul 28, 2014 |

Home equity loans are a hit again with consumers, but there is danger lurking for many who don’t really understand what a loan and line of credit is.

Category icon Housing

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Are women afraid to make tough financial choices?

Jul 25, 2014 |

A new study says that women are less sure of themselves when it comes to saving and investing. But that may not be the whole truth. Find out more.

Category icon For Women

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Why top income earners buy in bulk

Jul 23, 2014 |

Shopping at warehouse clubs is not just for consumers on a budget, rich people shop there too. But warehouse clubs may invite impulse buying.

Category icon Budgeting, Saving

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What Rising Interest Rates Would Mean for You

Jul 21, 2014 |

The head of the St. Louis Fed has predicted the benchmark interest rate will be increased in early 2015. What would that mean for your credit and outlook?

Category icon Debt Advice

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Have we gone too far with new credit score standards?

Jul 18, 2014 |

Increased regulation is supposed to make it harder to borrow beyond your means, but post-recovery, many consumers are finding it impossible to borrow at all.

Category icon Credit Score, Homebuyers

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Is consumer borrowing back on track?

Jul 17, 2014 |

All signs seem to point to a full recovery and consumers are more confident borrowing, but that doesn’t mean we should return to bad financial habits.

Category icon Debt Advice, Financial Wellness, Housing

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Credit card minimum payments on the rise

Jul 16, 2014 |

Gone are the days of $10 minimum payment limits on credit cards, but does this increase do enough to help consumers minimize debt problems and interest?

Category icon Credit Cards, Debt Relief

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A very brazen scam is shut down

Jul 15, 2014 |

Here’s what happens when you mix loose security with threatening scam artists.

Category icon Consumer Rights, Debt Collection

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Work problems start at home

Jul 14, 2014 |

A new survey says employees who have money problems at home are also struggling at work. We show you how to find zen.

Category icon Employment, Financial Wellness

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Debt Settlement Companies Continue to Damage Consumers’ Credit

Jul 11, 2014 |

Debt settlement programs remain a problem for many consumers in debt because they don’t settle their financial problems in the right manner.

Category icon Consumer Rights, Debt Relief

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How Much Do You Spend on Family Surprises?

Jul 10, 2014 |

A majority of people believe that you don’t need to spend money to surprise your family. But why do so many people spend money on surprises?

Category icon Budgeting, Family

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Create an Emergency Savings Fund

Jul 09, 2014 |

Most Americans don’t save for an emergency fund and could find themselves in financial distress if they don’t start. Learn how easy it is today.

Category icon Saving

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Bubble, bubble, toil and trouble?

Jul 08, 2014 |

Is another housing bubble on the horizon? We see what the experts say and help homeowners decide if it’s time to buy and sell or it’s better to stay put.

Category icon Homebuyers, Housing

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Most Americans have a Positive Financial Outlook

Jul 08, 2014 |

Most Americans believe they have a promising financial future. But there are still too many people in debt and not in control of their finances.

Category icon Financial Wellness

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Understanding ARK as a military lending alternative

Jul 07, 2014 |

PenFed Foundation has launched a new tool to help military families get ahead in emergency situations, but does the Asset Recovery Kit (ARK) really work?

Category icon Military

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Achieving real financial independence

Jul 04, 2014 |

This Independence Day, make George Washington proud by joining Consolidated Credit’s debt-free revolution. We’ll show you how to achieve real independence.

Category icon Financial Wellness

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Can working women ever have it all?

Jul 03, 2014 |

Striking a balance between work and home life can be tough and a new survey finds working women may find it impossible. We help you find the balance.

Category icon Employment, For Women

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ConsolidatedCredit.org gets a fresh new look

Jul 02, 2014 |

Consolidated Credit has revamped their website to make it easier for visitors to get educated about debt and stay informed on daily finance news.

Category icon Company News

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June 2014

6 Top Tips to Help Millennials in Debt

Jun 30, 2014 |

Almost half the millennial population uses a large portion of their paychecks paying off debt. Use these six top tips to pay down your debt.

Category icon Debt Advice

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Flexible Workplace Policies are Important to Employees

Jun 27, 2014 |

More Americans want the freedom that a flexible workplace schedule gives them for family needs. And employees are slowly catching on to their wishes.

Category icon Employment

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Which State in the U.S. Pays the Most for Car Repairs?

Jun 25, 2014 |

Major car repairs vary from state to state, but all of them are expensive. Learn how to avoid costly repairs with these tips from Consolidated Credit.

Category icon Auto

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Consolidated Credit’s Summer Travel Savings Guide

Jun 23, 2014 |

Don’t go into debt on your summer vacation. Use Consolidated Credit’s Summer Travel Savings Guide to save money and thoroughly enjoy yourself.

Category icon Travel

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Are You Prepared for a Natural Disaster?

Jun 17, 2014 |

Now that it’s storm season, it’s time for disaster planning. Don’t get caught without an emergency plan or you and your family could be in danger.

Category icon Articles

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Automatic 401(k) Enrollment is Boosting Retirement Planning

Jun 12, 2014 |

The new trend in retirement planning is automatic 401(k) plan enrollment. Learn more about it and how it can help you prepare for retirement.

Category icon Articles

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Consolidated Credit Launches Military Financial Education Program

Jun 11, 2014 |

Wells Fargo and Consolidated Credit have teamed up to support financial literacy education for military service members and veterans in South Florida.

Category icon Articles

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Veterans Face Challenges in Transitioning to the Private Sector

Jun 10, 2014 |

Veterans are looking for companies that cater to vets by offering mentorship and retention programs, but how easy is it to secure one of those jobs?

Category icon Articles

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Financial Adjustments to Fit a Modern American Family

Jun 09, 2014 |

A new study shows modern nontraditional families are struggling more financially than their traditional counterparts. Does your family need a new strategy?

Category icon Family, Financial Wellness

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Retirement on the rebound

Jun 06, 2014 |

A new study finds American workers are putting more away for retirement, but is the average family really doing enough to get retirement-ready?

Category icon Articles

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Consumer Credit Use is on the Rise Again

Jun 05, 2014 |

A new Nilson Report finds consumers are turning to credit instead of debit or prepaid cards, but are we ready to pay back all of that unsecured debt?

Category icon Articles

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Would you go to war before you lose a credit card?

Jun 04, 2014 |

Most Americans are more worried about identity theft than they are about war or threats of terrorism, but is there good reason to be concerned?

Category icon Articles

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25 Percent of American Homeowners Don’t Like Their Homes

Jun 02, 2014 |

One out of four American homeowners is not happy with the homes they live in. Don’t suffer from buyer’s remorse, get educated before you buy a home.

Category icon Articles

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May 2014

Balancing costs versus customer service in car insurance

May 30, 2014 |

Most people change car insurance providers because of a bad customer experience, but you may not be as satisfied with the savings get you from switching.

Category icon Auto, Insurance

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Proposed Benefit Cuts have Service Members Concerned

May 26, 2014 |

The Department of Defense released a report that could have a significant impact on the finances of military families. What does it really say?

Category icon Articles

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The Most Frugal Cities in America

May 23, 2014 |

We look as the top 25 cities that save the most money. Check out what resources they use to cut back on their shopping bills at home and on the go.

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Bad News for Middle Class Americans’ Health Care Costs

May 21, 2014 |

Future health care costs for Middle class Americans could jeopardize their plans for a comfortable retirement. Start planning for your golden years now.

Category icon Articles

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Retirees Frightened About Going Broke

May 19, 2014 |

More than half of retirees are afraid they will run out of funds too early. Don’t go broke during retirement, learn the skills to plan your golden years.

Category icon Articles

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Wedding Costs Soar for the Guests

May 16, 2014 |

Wedding costs are increasing for both guests and couples but there are ways to properly save for a wedding. Don’t go into debt this wedding season.

Category icon Budgeting

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Student loan interest rates set to rise this fall

May 14, 2014 |

As predicted last year when the new student loan deal was signed into law, better bond markets are now leading to higher interest rates on student loans.

Category icon Articles

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Companies Preparing to Hire Recent College Grads in 2014

May 12, 2014 |

Graduation season is fast approaching and more companies are preparing to hire recent college grads, but are they ready for the real world?

Category icon Articles

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7 Interesting Insurance Tips to Help You Save Money

May 07, 2014 |

There are a variety of ways to save money on insurance. Use these interesting tips and some other unusual facts to help stretch your paycheck.

Category icon Insurance

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More Families Plan on Traveling in 2014

May 05, 2014 |

More families have traveling as a priority for 2014. A new survey shows some nice places to visit and we show you how to save money on you next trip.

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Sex, Age and Marital Status Matter to Save on Car Insurance

May 02, 2014 |

Being a safe driver doesn’t always guarantee you’ll pay the lowest premiums on car insurance. Sex, age and even marital status may affect your insurance rates.

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April 2014

Your Neighbors Can Actually Help You Save Money

Apr 30, 2014 |

Sharing with your neighbors is not a new trend but more and more people across the country are realizing they can also save and earn money with them, too.

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Fair Housing Month 2014, Part 3: New Challenges

Apr 30, 2014 |

It’s the last day of Fair Housing Month. To round out this essential month of education, we’re looking at new challenges homeowners face in fair housing.

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Save Money on Your Next Car: 10 Best Used Cars under $8,000

Apr 28, 2014 |

The average American can’t afford to buy a new car without going into serious debt. Check out this list we found and buy an affordable used car.

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Soft Skills High on Employers’ List of Winning Traits

Apr 25, 2014 |

A mixture of soft skills and hard skills is the winning combination when it comes to landing a great job. Find out what soft skills are most important.

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Why are College Students so Dumb When It Comes to Finances?

Apr 23, 2014 |

A recent survey revealed that college students aren’t properly educated on finances. Learn how to correctly manage your money like an expert.

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Fair Housing Month 2014, Part 2: Protecting your rights

Apr 23, 2014 |

In part to of our Fair Housing Month video series, we talk where to go to lodge a complaint and hear about one story of 5 women beating discrimination.

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Is Another Housing Crash on the Horizon?

Apr 21, 2014 |

Many home buyers can’t afford to buy homes in major U.S. markets because they don’t make enough money. Our experts say don’t go into debt, get help.

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More Employers are Willing to Pay for Your Education

Apr 18, 2014 |

Avoid going into further debt to improve your chances at finding a better job. Get a job with an employer who’s willing to pay for your training.

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CEOs Planning a Hiring Spree in 2014

Apr 16, 2014 |

A recent report states CEOs are ready to hire in 2014. Don’t get left out of the hiring spree because you have too much debt and don’t manage your money.

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April is Fair Housing Month 2014: Learn about your rights

Apr 16, 2014 |

Consolidated Credit and H.O.P.E are teaming up for Fair Housing Month to make sure you know your rights as a homebuyer, so you can prevent discrimination.

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Banks that No Longer Accept Cash Deposits? What’s Next?

Apr 14, 2014 |

America’s biggest bank is leading the way with a new policy intended to protect against identity theft, but it may make banking a little less convenient.

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April is Money Month: How Much Savings do You Have?

Apr 11, 2014 |

American consumers are living dangerously by not saving enough money to live when they lose all sources of income. Get the facts and start saving.

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Focusing Financial Lessons for an Ever-Evolving World

Apr 10, 2014 |

Is it possible to educate and prepare kids for financial independence in a world where technology is constantly changing how we manage our money?

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Retirement in Jeopardy for Financially Uninformed Americans

Apr 09, 2014 |

Over half of Americans recently surveyed don’t seek out financial knowledge to help with their retirement. Use these tips to help prepare yourself today.

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Payday loans are just as risky as you think, CFPB reports

Apr 07, 2014 |

A new CFPB study on payday loans confirms that more often than not, taking out these short-term loans is a fast way to long-term debt problems.

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Breadwinning Moms not Pleased with their Status

Apr 04, 2014 |

Most breadwinning moms are not happy with their status and believe that society is more comfortable with men as the primary money earners.

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Taking the “Fun” Out of Tax Refund

Apr 02, 2014 |

Tax payers are saving their refunds more than ever but are they making the right choices when managing their withholdings each year?

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March 2014

More than Half of Workers Plan to Delay Retirement

Mar 31, 2014 |

The percentage of workers delaying retirement is dropping but data proves there are still not enough workers properly preparing for their golden years.

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Good News for Consumers Shopping for a Mortgage

Mar 28, 2014 |

Consumers seem optimistic about their chances of receiving a mortgage in early 2014. But don’t rush into debt unless you can afford it.

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Good Grades in College aren’t enough to Land a Job

Mar 27, 2014 |

Jobs are hard to come by in this competitive job market and you need more than good grades to get hired, you need work experience.

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Business Owners on the Hunt for Skilled Workers

Mar 26, 2014 |

Business owners are looking for trained workers to fill jobs, but there is a shortage of workers with the required skills. How do we bridge the gap?

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Americans Excited to Buy and Sell their Homes in 2014

Mar 24, 2014 |

Americans are motivated to buy and sell homes in 2014, especially with the government shutdown threat resolved. Is the housing market bouncing back?

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Car Sales Projected to Soar in 2014

Mar 21, 2014 |

More people plan to buy cars in 2014 but that doesn’t mean they will buy the right car or truck for the right reasons, which could cost them.

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3 Places to Find Savings in Spring Cleaning

Mar 20, 2014 |

It’s the official start of spring, which means it’s time to clean out the clutter and get organized. We show you how to turn spring cleaning into saving.

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American Women are more Financially Confident in 2014

Mar 19, 2014 |

Women today have more financial responsibility and power than ever before, so why are many still worried about losing everything and becoming homeless?

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Staying Out of the Red while You Party Green for St. Patty’s Day

Mar 17, 2014 |

If you overspend on St. Patrick’s Day today, you could end up with a debt hangover to match the physical hangover you have after a night of revelry.

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Is Identity Fraud Driving Your Interest Rates Higher?

Mar 12, 2014 |

If you’re making a major purchase this year, you may want to check your credit first. The recent wave of ID theft cases means you could pay more interest.

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Rising Lunch Prices Cost Workers

Mar 10, 2014 |

Rising lunch prices at chain restaurants are costing workers more money every year. Use these tips to save money for more important financial matters.

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Have Some Fun with Our Debt Suckers Photoshop Contest

Mar 07, 2014 |

Consolidated Credit is launching a new Photoshop contest through Facebook that lets you slay the money-sucking vamps, Hi-Rate and Hi-Pay.

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College Savings Plan a Top Priority for Parents in 2014

Mar 07, 2014 |

In 2014 parents are more concerned about saving and planning for their children’s college fund and avoiding debt when their kids graduate.

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Self-Employed Jobs Plummet since Recession

Mar 05, 2014 |

Self-employment has taken a big hit since the recession. But what’s even more surprising is the number of workers taking on second jobs.

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Women’s Job Growth Freezes at the Start of 2014

Mar 03, 2014 |

Women’s job growth turned cold in January compared to men’s growth. But steady job recovery for women and the economy is still in the future.

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February 2014

The Plane Truth about Airline Fees

Feb 21, 2014 |

Consolidated Credit recommends the Consumerist's 7 Tips for Saving on Baggage Fees, so you can get where you need to go without getting into debt.

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Going to College without Going into Debt

Feb 19, 2014 |

Consolidated Credit gives advice on how parents and students can make college affordable, including using the Princeton Review's 2014 Best Value Colleges.

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A Sunny Employment Picture

Feb 17, 2014 |

If you're looking for a bright financial future, you may want to consider getting a job in the solar industry, where good jobs are being created fast.

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Love and Money: Valentine’s Day Advice

Feb 14, 2014 |

Romance and savings are a match made in heaven this Valentine's Day, so how can you show your love without going into debt?

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Car-buying advice – from car dealers themselves

Feb 12, 2014 |

If you're looking to buy a new car this year, you may want to reconsider. So much added interest may mean it's worth it to buy pre-owned instead.

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A Pleasant Surprise about New Year’s Resolutions

Feb 10, 2014 |

If 2013 was any evidence, Americans are getting better at sticking to resolutions - and more of us are making resolutions to save more and spend less.

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Is the American Dream Over?

Feb 07, 2014 |

A new survey finds people may be worried the American dream no longer exists. But is that true or is the American dream actually evolving with the times?

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From shutdown fears to shopping sprees?

Feb 05, 2014 |

The government shutdown led most Americans to scale back, but now that the government's up and running, are we all going back to our bad money habits?

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When’s the last time you looked for a new job?

Feb 03, 2014 |

A survey finds almost half of workers haven't looking for a new job in 5 years, so are we just that happy or are we stuck out of fear of a weak economy?

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January 2014

Tax time is scam time: 4 ways to stay safe

Jan 31, 2014 |

The Association of Credit Counseling Professionals warns tax ID theft will be an even bigger issue than last year. So how do you keep your identity safe?

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Prices at the Pump Not Worrying Consumers

Jan 29, 2014 |

Gas prices may have steadied, giving consumers more confidence over the next 30 days, but that doesn't mean we can relax about our finances just yet.

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Consumers are Confident about Money in 2014

Jan 27, 2014 |

2014 looks to be a strong year for retail stores as consumers are more confident about their finances. But budgeting is still essential to stay ahead.

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What a California Utility Company Can Teach Us All About Saving?

Jan 24, 2014 |

A study finds keeping up with the Joneses may work as well when it comes to saving as it does for spending. Can we be inspired to save by our neighbors?

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Is The Latest Tech Really a Reason to Buy a New Car?

Jan 22, 2014 |

A survey finds the U.S. auto industry is benefiting from people wanting the latest tech in vehicles. But is technology the right reason to get a new car?

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Money: A Planetary Problem, Nielsen Says

Jan 20, 2014 |

A global study by Nielsen finds Americans aren't alone in wishing for financial stability rather than planning for it. Are we being too optimistic?

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Consolidated Credit Recommends: Consumer Reports Kitchen Tips

Jan 17, 2014 |

Want to save on food? Consolidated Credit recommends Consumer Report's 5 Tips to Save in the Kitchen. At home meals saved one couple over $2500 in a year!

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More Bad News about Credit Cards

Jan 15, 2014 |

Although the FBI is warning retailers to be on high alert for mass identity theft attempts like the one at Target, are you more of a danger to yourself?

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Who Started National Financial Wellness Month? And Should We Care?

Jan 13, 2014 |

It's National Financial Wellness Month, and while we're not sure who started it, it's a great excuse to take time and get your finances in order.

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Consolidated Credit Recommends: Hidden Jobs App

Jan 06, 2014 |

Getting an edge on the competition can be critical in tough jobs market. That's why Consolidated Credit recommends the Hidden Jobs App by CareerCloud.

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American Workers Want a Company that Cares

Jan 03, 2014 |

A study finds many workers prefer employers that give back. This news put companies like Consolidated Credit on top when it comes to landing a dream job.

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"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.

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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.

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