2015 News Archive

December 2015

The Best New Year’s Resolution

Dec 30, 2015 |

Consolidated Credit offers a unique way to combine the top two New Year’s resolutions so you can have one goal for your finances and physical health.

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The Ghost of Debt after Death

Dec 28, 2015 |

The cost of burying a loved one is hefty, both financial and emotional. Plan now to avoid the financial stress and avert the lingering ghost of burial debt.

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Car Humbug!

Dec 23, 2015 |

It’s the busiest time of year for auto theft. Consolidated Credit helps you understand how vehicle theft could lead to end-of-year financial distress.

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Video: Steps to Take to Save Your Home

Dec 22, 2015 |

HUD-certified housing counselor Barry Rothman talks about what steps a distressed homeowner should take to find the right option to avoid foreclosure.

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Retirement Expectations vs. Realities

Dec 18, 2015 |

Workers plan to work past retirement age or not retire at all, but reality says that gainful job opportunities may not be available in their golden years.

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Should You Split Your Bank Accounts?

Dec 16, 2015 |

Many Americans find benefits in splitting their money between two banks in order to maximize the financial benefits they receive from their accounts.

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Millennials Believe Higher Education Worth the Cost

Dec 14, 2015 |

A new study by Credit Sesame reveals that Millennials believe higher education is worth the cost and the early burden of debt caused by student loans.

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Chips Aren’t Hip – Yet

Dec 11, 2015 |

Consumers aren’t exactly up-to-speed when it comes to EMV chips in credit cards and debit cards – and many aren’t keen on the new microprocessor technology.

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Money is a Leading Cause of Stress Worldwide

Dec 09, 2015 |

Financial stress – particularly worries about debt and overspending – can cause even bigger problems in your life due to stress. And that’s true worldwide.

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We Spend a Lot on Lunch

Dec 07, 2015 |

Americans spend, on average, close to $3,000 a year on lunch, but there are ways to break your fast without breaking the bank.

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Millennials Undercut Retirement Needs

Dec 04, 2015 |

Millennials underestimate how much money they will need during retirement. We offer tips on how to plan effectively to save strategically for retirement.

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Not-So-Happy Holidays

Dec 02, 2015 |

From overspending in your holiday budget to increased risk of theft with gift deliveries, these are the dangers you need to watch out for this season.

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November 2015

South Florida Housing Market in Recovery

Nov 30, 2015 |

Consolidated Credit Housing Director Joseph Cvelbar helps South Florida homebuyers and real estate investors understand housing market conditions today.

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Black Friday Buyer’s Remorse

Nov 27, 2015 |

Shoppers are expected to spend over $400 between Black Friday and the rest of Thanksgiving weekend. We have tips to manage the credit card debt hangover.

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Holiday Shopping: Saving Old-School

Nov 25, 2015 |

Technology may be changing the way some people shop for the holidays, but we look at shoppers who are saving money the old-fashioned way this season.

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Millennials and Financial Optimism Bias

Nov 23, 2015 |

Millennials feel confident in their credit knowledge but underestimate their credit scores, debt levels and their understanding of how credit scores work.

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Fascinating Holiday Shopping Facts

Nov 20, 2015 |

The holiday shopping season is the worst time of year for your budget, especially if you can’t limit the number of gifts in your holiday spending plan.

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Auto Loan Debt Grows in 2015

Nov 19, 2015 |

Total U.S. auto loan debt hits a post-recession high. We help car buyers maintain budget control with tips for managing debt and transportation costs.

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Happy Holidays, You’ve Been Scammed!

Nov 18, 2015 |

Holiday scams can put a damper on your good cheer this season. Consolidated Credit helps you avoid scams so you can have a happy, fraud-free holiday.

Category icon Holidays, Identity Theft

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HOPE NOW Save Your Home Event

Nov 17, 2015 |

Consolidated Credit Housing Director Joseph Cvelbar explains how Save Your Home events help distressed borrowers explore options for home retention.

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Are You Financially Proactive?

Nov 16, 2015 |

Consolidated Credit offers three ideas of how to go from planning to action when it comes to retirement savings. Here’s what you need to do for success.

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How Well Do You Know Your Finances?

Nov 13, 2015 |

A new study finds many consumers feel like they know everything about finance, but is it just enough to maintain the status quo or to move forward?

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How Veterans Transition Successfully After Service

Nov 11, 2015 |

This Veteran’s Day, Consolidated Credit looks at how Veterans use GI Bill Benefits for higher education and homeownership to transition to civilian life.

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Money Smart America

Nov 09, 2015 |

A new study ranks the most and least money-smart consumers in the U.S. so you can see how you stack up. Are you living in the land of the financially literate?

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Expanding Access to Credit

Nov 06, 2015 |

A new FICO credit scoring model could make it easier to obtain credit, but there is a certain level of risk if you aren’t careful about managing debt.

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Are You Using Credit Responsibly?

Nov 04, 2015 |

Poll reveals that at least some consumers believe they’re using credit cards responsibly even though they carry balances over from month to month.

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Are You a REAL Bargain Hunter?

Nov 02, 2015 |

We might be savvy when we shop for merchandise, but not so much when it comes to financial products. Shopping for low interest rates can help you save.

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October 2015

Consumers Shop Smart for Halloween

Oct 30, 2015 |

Consolidated Credit looks at expected Halloween spending for consumers this year and offers three tips to help last-minute shoppers avoid debt.

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The Right Help at the Right Time

Oct 29, 2015 |

When Gerald lost his job of 20 years, he and wife Nadine were stuck with unaffordable mortgage payments and an unsustainable budget. Here’s how we helped.

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A Nickel for Your Thoughts?

Oct 28, 2015 |

Spending more than value of a penny to mint each coin just doesn’t make fiscal sense. Should the federal government close this budgetary spending leak?

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Holiday Shopping Trends – in October?

Oct 26, 2015 |

Recent polls show consumers are set to spend big this holiday season, but you have to budget carefully for the holidays to avoid a credit card debt hangover.

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Last Year in Identity Theft

Oct 23, 2015 |

The latest BJS report on identity theft shows 7 out of every 100 Americans was a victim of ID theft in 2014. We help you protect your identity from fraud.

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Assistance for South Carolina Flood Victims

Oct 22, 2015 |

Consolidated Credit establishes a free hotline for South Carolina flood victims who need financial assistance to find relief and recover quickly.

Category icon Debt Relief

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Who isn’t Saving for Retirement?

Oct 21, 2015 |

Millennials are making good strides to become retirement-ready, while pre-retirees are the ones dipping into retirement accounts to cover emergencies.

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Another Crash on the Horizon?

Oct 19, 2015 |

Several key market indicators show signs we may be getting into another bad situation with subprime lending ahead given current market fluctuations.

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Young Professionals Fail to Plan for Risks

Oct 16, 2015 |

From identity theft and online reputation management, to insurance and asset diversity, Millennials must protect their financial and professional interests.

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How to Drive Your Teen Crazy

Oct 15, 2015 |

Junior Achievement partners with Honda Financial Services to offer parents a new tool to help teens understand the real cost of buying and owning a car.

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Student Debt Challenges Homeownership

Oct 14, 2015 |

Americans still believe buying a home is a key part of the American dream, but Millennials struggling with student debt face challenges to reach this goal.

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Is Being Forgotten a Human Right?

Oct 12, 2015 |

In Europe consumers have the luxury of removing personal information from the internet which can help prevent identity theft. Will it happen in the U.S.?

Category icon Identity Theft

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Is 26 the Sweet Spot for Retirement?

Oct 09, 2015 |

A new poll finds the two key points in an effective retirement plan – start saving in your late 20’s and set up automatic saving vehicles to be successful.

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Choose Your Retirement

Oct 07, 2015 |

We take a look at Emily Guy Berkin’s new book and show you how it can help you overcome the barriers holding you back from effective retirement planning.

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Employment Credit Checks May Stop

Oct 05, 2015 |

If you have less than perfect credit a new bill in the House Financial Services Committee may remove the worry of losing job opportunities due to bad credit.

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Life Delays Due to Student Debt

Oct 02, 2015 |

While those Millennials who’ve eliminated student loan debt are on track, those still paying off their loans are heavily burdened by high debt payments.

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September 2015

Upfront Fees a Hallmark of Debt Relief Scams

Sep 30, 2015 |

The CFPB shuts down a firm that charged over $67 million in upfront fees for debt settlement – a sure sign of a fraudulent debt relief service.

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Mortgage Lender Raises Credit Score Requirements

Sep 28, 2015 |

The nation’s largest mortgage lender is raising the credit score requirements on FHA loan approval from 600 to 640. What this means for first-time buyers.

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Lending to Friends and Family

Sep 25, 2015 |

Lending money to friends and family may seem like the right thing to do, but the debt can damage relationships without really helping the finances.

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Don’t Let the Roof Cave in on Housing Costs

Sep 23, 2015 |

A new study finds homeowners are underprepared for emergencies like expensive home repairs. We offer tips for starting an emergency savings fund.

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Credit Card Debt High Ahead of Holidays

Sep 22, 2015 |

Americans are piling on the debt before the holidays even start, leading to concerns that balances may be unsustainable and lead to debt problems.

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Money Talk Top Priority for Hispanics

Sep 21, 2015 |

Talking money is critical to the success of any long-term relationship. Hispanic couples are no different in their need for strategic money talks.

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Will Your Kids be Better Off?

Sep 18, 2015 |

Most parents feel like their kids have a harder road ahead when it comes to achieving financial success, but a little effort now could provide a leg up.

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Dollars and cents, dogs and cats

Sep 17, 2015 |

Consolidated Credit takes a look at pet care costs throughout the U.S. with a new interactive map that breaks down average pet expenditures by state.

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100 Days, 100 Ways

Sep 16, 2015 |

With exactly 100 days left to shop for the winter holidays, Consolidated Credit offers daily tips to help you have a debt-free holiday shopping season.

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Bad Credit? Worse insurance

Sep 14, 2015 |

A new study shows homeowner’s insurance costs paid in 2015 can double if you have a bad credit score. Here’s what you need to know to avoid overpaying.

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Americans Fear Outliving Savings, but Fail to Act

Sep 11, 2015 |

Americans believe they might outlive their retirement and Social Security will run dry by the time they retire but most aren’t doing a thing about it.

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Retiring as a Homemaker

Sep 10, 2015 |

Just because you’ve stayed home to raise your children and take care of the home as a homemaker, it doesn’t mean you can live without a retirement plan.

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Servicemembers Becoming More Financially Savvy

Sep 09, 2015 |

Although military members have not always been savvy money managers they are translating their discipline to their finances and are outpacing civilians.

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Laboring on Labor Day

Sep 07, 2015 |

If you’re one of the workers whose been called into the office on Labor Day, we offer 5 creative and financially beneficial uses for the extra cash.

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Credit Scores by Generation

Sep 04, 2015 |

Experian breaks down credit scores by generation. Consolidated Credit shows you how a higher or lower credit score affects mortgage interest rates.

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African American Financial Outlook

Sep 02, 2015 |

A new study finds African Americans feel confident about their personal finances and budget, but have concerns about long-term retirement planning.

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August 2015

Debit Rules the Day

Aug 31, 2015 |

As cash continues to become less prevalent, consumers turn to debit as their preferred method of payment, avoiding interest charges on credit card debt.

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Florida Hurricane Preparedness 2015

Aug 28, 2015 |

he cost of last-minute preparations and financial losses can devastate families living paycheck-to-paycheck. These 5 steps can help you avoid disaster.

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Family Debt

Aug 28, 2015 |

A study finds American breadwinners are spending $630 billion to support family members. We offer tips to help you provide support without going broke.

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Seniors & Pros Don’t See Eye to Eye

Aug 26, 2015 |

Older folks save by using senior discounts and sticking to a budget now, but the pros say add reducing housing costs and managing finances for the future.

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Home is Where the Debt is

Aug 24, 2015 |

Mortgage delinquencies are at 10-year lows despite concerns that HELOC maturity could hurt borrowers, but non-mortgage debt reaches historic highs.

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Is Debt a Necessity?

Aug 21, 2015 |

Most Americans view debt as a necessity and 80% have at least some debt. Here’s what each generation can do to manage debt effectively and avoid issues.

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Is Talking Debt No Longer Taboo?

Aug 19, 2015 |

Americans are becoming more comfortable talking debt but some fear the level of comfort could lead to a lifetime of debt especially for younger generations.

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Buying a Car Drives Us Crazy

Aug 17, 2015 |

Americans love to shop, except when it comes to cars. Consolidated Credit helps you take the hassle out of the car buying and loan approval process.

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Financial Stress Hits Women Hardest

Aug 14, 2015 |

On the financial stress spectrum, women rate higher than men regardless of demographic. But sound money management can lessen the stress.

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Loyalty Can Cost You

Aug 12, 2015 |

A study finds Americans rarely switch auto insurance providers, in fact they don’t even bother shopping around. Here’s what you’re leaving on the table.

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What’s Your Motivation for Renovation?

Aug 10, 2015 |

Boomers and Millennials renovate to make their house feel like home. But Boomers failure to think about healthcare costs in retirement is unsettling.

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National Dollar Day

Aug 07, 2015 |

Consolidated Credit celebrates National Dollar Day with 25 clever ways to spend a dollar smartly or save it so you have more money in your pocket.

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How America Pays for College

Aug 07, 2015 |

A new study finds parents and young adults alike are taking steps to avoid the immense financial burden that student loan debt can cause after graduation.

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Back to School & Tax-Free Holidays

Aug 04, 2015 |

Consolidated Credit helps you avoid debt problems this back to school shopping season with budgeting tips plus and interactive map for tax-free holidays.

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National Simplify Your Life Week

Aug 03, 2015 |

Consolidated Credit offers 3 tips for reducing financial clutter so you can get organized and have an easier time maintaining financial stability.

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July 2015

How We Feel about Finance

Jul 31, 2015 |

Three studies find American consumers are optimistic about their financial futures, even in the face of challenges, debt problems and economic roadblocks.

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FCC Closes TCPA Mobile Gaps

Jul 29, 2015 |

Tired of prerecorded robocalls about debt collections that may or may not be your accounts? The FFC delivered a ruling that puts an end to this practice.

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Raise versus Root Canal

Jul 27, 2015 |

Employees say they deserve a raise but would rather do a root canal instead of asking. But confidence and knowledge of their worth are key when facing their boss.

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Young, Broke… but Smart

Jul 24, 2015 |

Millennials are showing more financial savvy and responsibility than previous generations, in spite of facing an uphill battle to achieve stability.

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Lenders Take Action, Shun 60 Million Consumers

Jul 22, 2015 |

VantageScore 3.0 says lenders could gain 60 million customers if they extend lending to those with a thin credit file – borrowers with no credit history.

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Debt-Free Summer Vacations

Jul 20, 2015 |

Summer means fun in the sun. But the smile can quickly fade as credit card bills begin to trickle in. Keep your wallet happy after the vacation is over.

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The Identity Theft Gap

Jul 17, 2015 |

Americans want to make key purchasing decisions based on accurate cyber security insights, but businesses are reticent to address all potential threats.

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How to Drive Down Home Prices

Jul 13, 2015 |

A new study correlates home prices with gas price trends in a given region or area. So does an area with high gas prices really mean a better mortgage?

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Women Redefine Employment Goals

Jul 10, 2015 |

Two employment studies find female executives aren’t pursuing advancement into CEO positions, but women are making strides in salary-rich STEM jobs.

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Traveling Smart This Summer

Jul 08, 2015 |

Travel smart this summer by using these two money-saving lessons to help you cut the cost of you vacation and avoid money fights that can ruin your trip.

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National Emergency about Emergency Savings

Jul 06, 2015 |

More than one in four American households has no emergency savings whatsoever. Consolidated Credit weighs in on this risky financial situation.

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Planning Boosts Women’s Confidence

Jul 01, 2015 |

Women lack confidence in attaining their financial goals but a little guidance, a financial plan and good money habits can help them feel empowered.

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June 2015

Smarter Ways to Save on Vacation

Jun 29, 2015 |

Travelzoo reports on crazy things people do on vacation to save a few bucks, but there are smarter ways to save on a family vacation to avoid debt.

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Credit Limit Catch 22

Jun 26, 2015 |

A higher credit limit may make it easier to maintain the low credit utilization necessary for a high credit score, but only if you have self-restraint.

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Delinquencies Rise as HELOCs Mature

Jun 24, 2015 |

The 10 year term on HELOCS extended during the recession is drawing near and delinquencies have already begun popping up. Is your budget ready?

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Is it a Smart Time to Buy a House?

Jun 22, 2015 |

With the possibility of rising home prices and rates, it may seem a good time to buy, but doing so on an unprepared budget with bad credit can be disastrous.

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Women Take the Financial Lead

Jun 19, 2015 |

From Baby Boomers to Millennials, women are taking the lead on financial stability and success. Here’s how women are getting ahead of men in finance.

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Is Subprime Lending Making a Comeback?

Jun 17, 2015 |

Mortgage payments are on the rise; so is subprime lending. While the former is good news, the latter may be bad news for homebuyers and the economy.

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The Store of the Future

Jun 15, 2015 |

Consumers like time and money saving apps but it depends on their location in the store and the information these apps would need to access to provide it.

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Lack of Retirement Readiness is a Global Problem

Jun 12, 2015 |

America ranked higher than 11 other countries in retirement readiness but overall our preparedness is still low. How do you get retirement ready?

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Hispanics Bite a Hole in their Budgets

Jun 10, 2015 |

A new survey from TD finds Hispanic Americans are good with budgets and managing their money, except when it comes to high food costs dining out.

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1 in 3 Americans Don’t Check Their Credit Report

Jun 08, 2015 |

A credit report stained with black marks leads to paying more for products. Knowing your score but not monitoring reports only perpetuates the problem.

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Women Take Business by the Horns

Jun 05, 2015 |

Women one roughly one in every three privately owned businesses in the U.S. but regardless of gender, you need the right strategy to avoid personal debt.

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Using the BBB to Your Advantage

Jun 04, 2015 |

Consolidated Credit talks to former South Florida BBB President Brodie White to learn how to use the better Business Bureau to find reputable providers.

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Does It Cost More to Buy Less Home?

Jun 03, 2015 |

A study by Zillow finds mortgages at lower price points cost more per dollar borrowed, but does this mean your fair housing rights are being violated?

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Do Hackers Vet Victims Credit Scores?

Jun 01, 2015 |

Americans fall victim to security breaches that negatively affect their credit scores. Everyone with an active credit or debit card is susceptible.

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May 2015

How are You Spending Your Gas Savings?

May 29, 2015 |

A poll finds financial confidence is high, even though the most Americans ended up spending the money saved from low gas prices on budget necessities.

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Can Your Savings Last A Month?

May 27, 2015 |

An unplanned financial emergency is Americans number one financial fear but a cash windfall would quicker drive them to create a spending plan.

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HARP/HAMP Extended through 2016

May 25, 2015 |

Consolidated Credit’s HUD-approved housing counseling team is here to help over 18,000 homeowners take advantage to save $2,500 per year on average.

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Gen X Angst Over Retirement

May 22, 2015 |

True to the stereotypes, a study finds Gen Xers are full of angst and feeling entirely pessimistic about their prospects for being about to retire on time.

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Stop Crying about Home Buying

May 20, 2015 |

From house hunting issues if you have kids to home affordability for low income earners, we cover the challenges in this summer’s housing market.

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Ahead of Vesting Overhaul, Military Families Improve Outlook

May 18, 2015 |

On the heels of recommendations to reform servicemembers eligibility for retirement benefits, families have implemented new financial habits on their own.

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Does Your Financial Plan Need Improvement?

May 15, 2015 |

A study finds most Americans don’t feel good about their financial plan and ability to weather economic changes. We help you make a plan in three steps.

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Oregon Considers Stricter Debt Buying Requirements

May 14, 2015 |

Oregon House of Representatives are reviewing a new bill that attaches additional, stricter requirements on debt-buyers that file for collection lawsuits.

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“You’re Hired” Said Less to 2015 College Grads

May 13, 2015 |

In 2014 more college grads were hired on a temporary basis. This year fewer will be hired but for those who do it will be long term. Where are these jobs?

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Living Paycheck-to-Paycheck

May 11, 2015 |

Rich folks live paycheck to paycheck too. Their situations differ from the poor living hand to mouth, but they do have one thing in common – no savings.

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Failing a Financial Stress Test

May 08, 2015 |

Financial stressors pop up in life and can leave you unable to make key decisions unless you have a budget, debt management plan and saving strategy.

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New York Fed Reveals Regional Debt Trends

May 07, 2015 |

A recent New York Fed report shows 27 snapshots of debt and borrowing trends in the New York, New Jersey and Connecticut State and local regions.

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Starting Your Retirement Plan 4 Years Earlier

May 06, 2015 |

A new poll finds retirees feel confident they’ll be financially secure during retirement – they just wished they’d been able to retire 4 years sooner.

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Poor Financial Health Cripples American Households

May 04, 2015 |

Americans, regardless of income are suffering from poor financial health; the cause has more to do with how we manage money, less with how much we own.

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How Much Do You Know About Money? Win $100

May 01, 2015 |

Consolidated Credit wants to reward you for being financially savvy. Test your finance knowledge on Facebook to be entered to win a $100 Visa gift card.

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Filing Complaints through the CFPB

May 01, 2015 |

The CFPB’s annual report shows debt collection remains the biggest thorn in consumers’ sides. It’s in your best interest to take action before charge-off.

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April 2015

Minnesota Senate Passes Medical Debt Relief

Apr 30, 2015 |

The Minnesota Senate passed a medical debt bill, which gives residents the right to go to court and halt collection proceedings on their medical debt.

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Are Your Savings Retirement-Ready?

Apr 28, 2015 |

Americans feel more confident about their retirement prospects, even though they’re on track to replace less income. Are we really prepared to retire?

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Homebuyers Don’t Know What?

Apr 27, 2015 |

Millennials planning to buy a home are unaware of costs not yet tacked on to the asking price. Older generations don’t either but a lesser percentage.

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America Saves and It Pays Off

Apr 24, 2015 |

Americans take the pledge to save and data shows they’re sticking to it. See how America’s savers are faring in taking the right financial steps.

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Louisville Corrections May Hire a Collection Agency

Apr 22, 2015 |

Louisville Corrections Department in Kentucky is considering hiring a private collection agency to collect booking fees that prisoners owe to the jail.

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Goodbye Landlord, Hello Lender

Apr 21, 2015 |

It may be a good time to move out of a rental and into your own home but bad credit, insufficient down payment or a limited inventory may delay timing.

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Mortgages from the Bank of Mom and Dad

Apr 20, 2015 |

More and more parents are helping their children achieve their dream of homeownership. But are they really helping or setting them up for a foreclosure?

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Americans’ Thoughts on Credit

Apr 17, 2015 |

Your credit score is a key part of your financial outlook, but are you checking it regularly? If not, you could be facing high interest charges on debt.

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Military Families Fall Behind on Financial Literacy

Apr 14, 2015 |

A financial literacy test finds military families falling behind. Consolidated Credit offers tips to help financial decision makers find resources.

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Promposal Costs Almost as High as Wedding Proposals

Apr 13, 2015 |

The average price tag to ask a date to prom this year is $324. Why does asking out a high school date now cost almost as much as getting engaged?

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Are You Prepared for the Worst?

Apr 10, 2015 |

Unexpected life events can break even the strongest budget. How much would you be able to cover the cost of a disaster if the worst should occur?

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Money Woes Impact Worker Productivity

Apr 09, 2015 |

More than half of people with money problems say it decreases their efficiency at work. Many would utilize company financial education if it’s free.

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The “Hard Way” isn’t the Right Way

Apr 06, 2015 |

A new survey finds parents may expect their children to learn financial lessons the “hard way,” but that’s not always the right way for personal finance.

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Health Concerns May Hinder Retirement

Apr 03, 2015 |

A new study finds healthcare costs and concerns over medical expenses are more of a risk to a comfortable retirement than a lack of assets or investments.

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March 2015

Is Your Broker There for You?

Mar 31, 2015 |

Brokers are putting their interests ahead of their clients who are seeking help to save for retirement. A new rule to mandate the practice is underway.

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Average Credit Card Debt Balance $7,200

Mar 27, 2015 |

A CardHub report finds most consumers are dangerously close to holding too much credit card debt and could be headed for default if things don’t change.

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Don’t Let Financial Disruptions Derail Your Plans

Mar 25, 2015 |

A new report finds financial disruptions delay and detract from retirement savings, putting Americans at risk of having to forego retirement entirely.

Category icon Financial Wellness, Retirement, Saving

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Plan Ahead for Higher Rent Payments

Mar 23, 2015 |

Experts say rent payments are likely to increase for at least the next two years. Consumers who want to get ahead will need a three-prong attack plan.

Category icon Housing

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Millennials Take the Lead on Retirement Planning

Mar 20, 2015 |

A report finds Millennials, overall, are starting earlier and being more aggressive about retirement planning. Here’s what older generations can learn.

Category icon Retirement

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Don’t Be Satisfied with the Status Quo

Mar 18, 2015 |

Bankrate’s Financial Security Index seems to show at least half of Americans are stuck in neutral when it comes to their financial outlook.

Category icon Financial Wellness

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Millennials say Mortgage before Marriage

Mar 16, 2015 |

Some millennials are getting financially hitched through a mortgage before they get married. Is this a smart money move or a fast track to disaster?

Category icon Homebuyers, Relationships

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Women Have More Work to Do for Retirement

Mar 13, 2015 |

A report finds people have more work to do if they want to be ready for retirement – especially women, who wish to retire earlier in spite of no planning.

Category icon For Women, Retirement

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Fixing Your Credit Report Gets Less Complicated

Mar 11, 2015 |

Consolidated Credit helps you understand how new credit report regulations make it easier to fix your credit, especially when it comes to medical debt.

Category icon Credit Score, For Latinos

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Have We Learned Our Lesson with Credit Card Debt?

Mar 09, 2015 |

Equifax finds total credit card debt increased last year, but utilization remains low. It may be good for the economy, but is it good for consumers?

Category icon Credit Cards, Credit Score, Debt Advice

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Real Estate Sales 2014

Mar 06, 2015 |

The National Association of Realtors provides an in-depth look at 2014 home sale and seller data. Learn what this means if you want to sell this year.

Category icon Housing

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Best & Worst Cities for Your Money

Mar 04, 2015 |

Consolidated Credit weighs in on the best and worst cities you can live in if you want to save money and maintain a stable financial outlook.

Category icon Financial Wellness, Housing

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Credit Union Provides Free Financial Education

Mar 03, 2015 |

Florida’s oldest credit union Compass Financial Federal Credit Union has partnered with KOFE to bring financial literacy resources to its members.

Category icon Financial Wellness

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Is Mobile the New Traditional Bank?

Mar 02, 2015 |

Millennials might push mobile banking up the ranks in the Banking world but the ease of it may impact consumer bank accounts if they withdraw too often.

Category icon Banking

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February 2015

Real Estate Results for 2014

Feb 27, 2015 |

The National Association of Realtors provides an in-depth look at 2014 home buying data. We explain what this means for homebuyers this year.

Category icon Homebuyers, Housing

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Are More Rental Increases Inevitable?

Feb 25, 2015 |

Year-over-year rental increases in some areas hit the double digits in January. Can the average renter really afford that much of a financial burden?

Category icon Housing

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Hands Up if You Know Your Mortgage Rate

Feb 23, 2015 |

Homeowners don’t know their mortgage interest rate and that can mean a big difference in monthly payments and interest over the life of the loan.

Category icon Housing

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How Much Will You Have in Retirement?

Feb 20, 2015 |

Your paychecks will stop coming in once you retire, but that doesn’t mean you can live without regularly monthly income. We explain how to do it.

Category icon Retirement

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The Role of Race in Real Estate

Feb 19, 2015 |

A new study by Zillow finds two major minority groups face more mortgage denials and slower property value recovery in the housing market.

Category icon Consumer Rights, For Latinos, Homebuyers, Housing

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Your Employer Cares about Your Future

Feb 18, 2015 |

Companies are automatically enrolling employees in 401(k) plans to help them save adequately for retirement. Take full advantage of the offer early.

Category icon Retirement

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When is the Right Time to Talk Money?

Feb 16, 2015 |

We offer some advice on when you should have the money talk with a significant other and the 10 things you should know by the end of the conversation.

Category icon Relationships

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Finding Your Financial Match

Feb 13, 2015 |

Two surveys explain how financial issues can affect your relationships and your ability to find your soul mate. Sometimes saving is the sexiest thing.

Category icon Relationships

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Home Buying Gets More High-Tech

Feb 12, 2015 |

New technology is changing the way people buy homes. We give you important tips to help you use technology to your advantage in mortgage approval.

Category icon Homebuyers

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Good News If You Own a Modestly Priced Home

Feb 11, 2015 |

Annual numbers for 2014 show existing home sales rose and new home sales fell, and the value of the most modestly priced homes increased the most.

Category icon Housing

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60% of Homeowners aren’t Saving for Repairs

Feb 09, 2015 |

Homeowners aren’t saving for home maintenance. Wear and tear is inevitable; saving to replace and repair should also be inevitable.

Category icon Housing

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2014 Debt Collection Complaints

Feb 06, 2015 |

The CFPB has released their first annual report of debt collection complaints. Learn what challenges other consumers faced from collectors last year.

Category icon Consumer Rights, Debt Collection

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This May be the Year to Get the Pay You Want

Feb 04, 2015 |

Another study shows it’s the right time to ask for a raise. Consolidated Credit has the Top 4 dos and don’ts for getting the raise you deserve.

Category icon Employment

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Bankers Worry about Delinquent Debt

Feb 02, 2015 |

An annual FICO survey of risk officers indicates banks have concerns that consumers will take on too much debt that they cannot afford to pay back.

Category icon Banking, Debt Advice

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January 2015

Comparing Loans Pays Big

Jan 30, 2015 |

A new study proves that if you want the best interest rates on loans, you need more than good credit. You have to shop around to get the best deal.

Category icon Debt Advice

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How is Your Employer Helping You?

Jan 27, 2015 |

If your employer doesn’t have programs that help you build a better financial outlook, then maybe it’s time you found an employer who cares about you.

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What’s Happening to Property Values?

Jan 26, 2015 |

Appraised property values are falling in line with what homeowners believe their property is worth. We explains what this means for homeowners.

Category icon Housing

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2015 – A Good Year for Finance?

Jan 23, 2015 |

More people are setting financial goals and making a budget to meet them for 2015. It’s a sign that personal finance is headed in the right direction.

Category icon Financial Wellness

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1 in 3 May Walk Away for More Income

Jan 22, 2015 |

If you want to find a new job this year, you’re not alone. Employees are on the hunt for better opportunities that offer more income to get ahead.

Category icon Employment

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Even Investors are Working into Retirement

Jan 20, 2015 |

You’d think investors would be the most prepared for retirement, but a new survey shows even the most prepared may not necessarily feel prepared enough.

Category icon Retirement

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How well is America Saving for Rainy Days?

Jan 19, 2015 |

Most people in America have a budget but they aren’t financially prepared to deal with an unexpected expense such as a car repair, ER visit or leaky roof.

Category icon Saving

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What are You Saving for in 2015?

Jan 16, 2015 |

Many Americans have resolved to save money this year but harbor fears of being confronted by obstacles in attaining them. But, there is hope.

Category icon Saving

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What’s Keeping You from Owning?

Jan 13, 2015 |

Even though market conditions are almost perfect right now for homebuyers, many who currently rent are wary to take on a mortgage. We explain why.

Category icon Homebuyers

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A Good Year for Your Career

Jan 12, 2015 |

Employers are planning to hire more, pay more and provide a better working environment for employees. Here’s what you need to consider on your job hunt.

Category icon Employment

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Who’s Behind on Credit Card Debt?

Jan 09, 2015 |

Experian has released a new report showing the states with the highest credit card delinquency rates. Here’s how those who are behind can get ahead.

Category icon Credit Cards

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Saving for College Yet? Most Haven’t

Jan 08, 2015 |

With the high cost of an education it's critical to start saving early to avoid amassing college debt. Yet, many parents haven’t even started saving.

Category icon Young Consumers

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Burning Money on Rent Payments

Jan 06, 2015 |

Monthly rent payments continue to increase throughout the country. Is it time to make a plan that gets you into a home you actually own yourself?

Category icon Housing

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How Much is Your Home Worth?

Jan 05, 2015 |

Most homeowners saw their property values increase in 2014, which means more equity and fewer problems with underwater mortgages for homeowners.

Category icon Housing

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Financially Optimistic for 2015

Jan 02, 2015 |

A Wells Fargo survey finds people are optimistic about the economy and their own finances in 2015. Here’s what you can do to ensure a successful year.

Category icon Financial Wellness

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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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