Brian B. Williams
Author bio: Brian Williams, a graduate of the University of Texas at Arlington, has 11 years’ experience writing and editing at daily newspapers in Texas. Having worked his way through college and experienced the transition to professional life, Brian understands how credit affects people’s lives. Learn more about Credit Solutions.
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Articles by Brian B. Williams
November 29, 2007
A friend or relative is suffering with credit problems. They need help getting a car loan or they are trying to rent an apartment. They want you to be a co-signer on a loan. You want to be a pal and help them past their financial woes. However, the goodwill gesture could leave your credit and relati...
November 29, 2007
Bad credit often catches people by surprise. Uncontrolled, it can be like a virus to your finances. A good, strict budget is the best way to keep bad credit at bay. A household budget is basically a blueprint for financial security. Of course, the most effective budgets are written down – and even b...
November 28, 2007
The venerable pawn shop - full of weapons, records, bicycles, guitars and jewelry- is now in cyberspace. Online pawn shop brokers, like their brick-and-mortar brethren, cater to people with poor credit who need fast cash, especially as the holidays approach and people need money for gifts and travel...
November 28, 2007
Newlyweds vow to stick together through the better and worse. Oftentimes, debt is part of the worse. Young couples often bring a lot of debt into a marriage. These newlyweds need debt relief to avoid vicious arguments over finance and to ensure financial stability for their golden years.
Debt con...
November 27, 2007
Credit is based on trust. People lend other people money with the expectation that it will be paid back – in full. That trust is broken through unpaid debts or late payments.
People with a bad credit report have a hard time finding willing lenders. They often cannot rent an apartment and can lose...
November 27, 2007
Debt settlement is a good method to reduce that pesky credit card debt. Basically, debt settlement allows you to save money until you can pay a reduced amount on your debt. A debt settlement program works with your creditors on a lowered debt amount.
This form of debt relief is different from deb...
November 27, 2007
"Hello. I'm calling to collect a debt."
Those seven words can be downright frightening to a person mired in debt. Creditors and bill collectors can relentlessly badger you if you are behind on credit card payments, student loans, auto loans or other consumer debt. They are only doing their jobs. ...
November 27, 2007
Here is a different kind of Christmas list: shorts, tank tops, flip flops, sundresses, swim trunks.
Yes, Santa Claus and sunscreen typically don't mix. But buying summer clothes in the winter (and winter clothes in the summer) can save you a lot of money. You can bolster your own wardrobe through...
November 27, 2007
The credit card bill comes in the mail. You know what the charges are and what you plan to pay. Then, you open it and a nauseating feeling comes over you.
$2,120?
A 46-inch plasma television?
Scanning your living room, you can't spot any high-dollar, big-screen TV and you don't understand w...
November 27, 2007
The leaves haven't even turned brown and Christmas ads aren’t yet bloating your morning newspaper. But NOW is the time to plan your New Year's resolution to get debt free.
Paying off debt is one of the most popular resolutions among Americans. It takes time to assess where you are and where you w...
November 27, 2007
Homeowners have more choices for debt help than most people. In the eyes of lenders, homeowners are highly valued. After all, they have the financial ability to purchase a house, a person's largest investment. However, homeowners sometimes run into financial problems for a variety of reasons and see...
September 25, 2007
Pay with cash, avoid credit card use, live within your means and sidestep bad credit. Easier said than done? Not really.
Americans just need to get in the habit of resisting the lure of high-interest credit card debt, a leading source of bad credit problems in the United States.
The Real Cost Of...