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James Heinz
Mar 25 min read
Simple Steps to Raise Your Credit Score Quickly
A low credit score can limit financial opportunities, making it difficult to secure loans, rent an apartment, or qualify for lower...
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James Heinz
Feb 198 min read
How to Repair Your Credit: Simple Steps for Help
Dealing with overwhelming debt can feel like you're drowning in a sea of bills and financial stress. Have you ever found yourself...
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James Heinz
Dec 15, 20246 min read
How to Check and Understand Your Credit Score for Free
It affects everything from whether you qualify for a loan to how much you'll pay for a mortgage, car loan, or credit card.
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James Heinz
Dec 3, 20245 min read
6 Strategies to Get Out of Credit Card Debt Fast
According to recent studies, the average American carries over $6,329 in credit card debt.
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James Heinz
Dec 1, 20245 min read
Understanding when and how to consolidate credit card debt
According to a recent report, the average American carries over $6,300Â in credit card debt.
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James Heinz
Nov 29, 20245 min read
Understanding Credit Card Debt Consolidation and Balance Transfers
Managing credit card debt can be a challenge when dealing with multiple payments with high interest rates.
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James Heinz
Oct 17, 202412 min read
Understanding America's Credit Card Debt Statistics for 2024
US credit card debt reached a record $1.142 trillion in 2024, with an average debt per American of $6,501. Explore the statistics.
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James Heinz
Oct 16, 202410 min read
Calculating Cost of Debt: Definitions, Formulas, and Examples
Explore the cost of debt problems and solutions with clear definitions, formulas, and examples. Learn how to calculate and address financial
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James Heinz
Sep 11, 20249 min read
Consolidating Debt Without Affecting Your Credit Score
Shepherd Outsourcing helps you consolidate debt smartly without affecting your credit score with tailored solutions. Learn about Debt Manage
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James Heinz
Sep 10, 20246 min read
Strategies to Get Debt-Free by Paying Off Credit Card Debt
Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.
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James Heinz
Aug 25, 20245 min read
Identifying Legitimate Debt Collectors and Scams
Learn about distinguishing legitimate collectors from scams, with strategies for consumer impact recovery in debt scenarios.
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James Heinz
Aug 25, 20246 min read
Strategies to Get Debt-Free by Paying Off Credit Card Debt
Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.
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James Heinz
Aug 24, 20245 min read
Understanding Credit Card Debt Relief Government Programs
This blog discusses credit card debt relief government program options such as HUD counseling services and homeowner assistance fund.
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James Heinz
Aug 11, 20245 min read
Process of Banks Writing Off Credit Card Debt
Struggling with credit card debt? Learn the process of banks writing off credit card debt, its impact, and solutions to manage it.
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James Heinz
Jul 15, 20245 min read
Rights and Advice on Debt Collector Home Visits
Can debt collectors come to your house? What are they allowed to do? Check out this guide to learn everything about debt collector home
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James Heinz
Jul 14, 20245 min read
Steps to Remove Collections from Your Credit Report
Learn how to get collections removed from credit report by disputing inaccuracies, handling paid collections, and maintaining good credit ha
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James Heinz
Jul 14, 20246 min read
Understanding When to Use Consumer Credit Counseling
Credit counseling evaluates debts and living expenses, offering debt management strategies to achieve financial security with consumer credi
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James Heinz
Jun 12, 20245 min read
Credit Card Debt Payoff Planner and Tracker
Discover the benefits of using a credit card payoff tracker for managing and eliminating credit card debt effectively.
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James Heinz
Jun 9, 20244 min read
Nonprofit Consumer Credit Services
Learn about reputable nonprofit consumer credit services, their range of offerings, and benefits in debt management.
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James Heinz
May 29, 20244 min read
Understanding What a Credit Advisor Does
A credit advisor provides financial guidance on debt management and helps clients make informed financial decisions using personalized
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