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	How to avoid foreclosure Here's what to do whether you've lost your job and are out of money, or have an unaffordable ARM.
	How to do a short sale Our step-by-step process lets you sell your home for less than you owe on your mortgage with your lender's permission.
	Bankruptcy can stop some foreclosures It can help you catch up on your mortgage, and resume making the payments, by reducing what you owe other creditors.
	Where to find the best secured credit cards If you have terrible credit -- or no credit at all -- this is the plastic for you. Just don't waste hundreds of dollars a year on fees.
	How to get debt collectors off your back Our 10-step plan explains how they work and the best way to deal with them. They'll often go away for pennies on the dollar.
	Where to get cash right now You don't have to turn to a payday loan store. There are other, less costly ways to get the money you need.

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THE LATEST NEWS

	Credit scores can drop after loan help WASHINGTON - Some homeowners who sign up for the government's mortgage assistance program are getting a nasty surprise: Lower credit scores.
	5 states rush plans for housing funds PHOENIX - The five states hardest hit by the foreclosure crisis have been given only weeks to plan how to spend $1.5 billion in federal funding announced by the Obama administration last month.
	Foreclosure follows mortgage modification Mar. 13--Ben Mayfield believed he had a deal that would save his dream home from foreclosure.
	Borrowers wait for help to save homes WASHINGTON - Hundreds of thousands of homeowners are in limbo waiting to find out if they will be accepted for the Obama administration's foreclosure prevention program.
	Only slightly more homes facing foreclosure RealtyTrac Inc. said Thursday that the number of U.S. households facing foreclosure in February grew 6 percent from a year ago, the smallest annual increase in four years.
	Lower credit card debt traced to charge-offs Americans cut more than $93 billion in credit card debt from 2008 to 2009.

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LATEST TIPS

	Rebuild your rep with a secured credit card You can do everything you can with a regular card as you raise your credit score.
	Repay debts for pennies on the dollar Collection agencies can accept deeply discounted partial payments and still make money.
	Credit repair companies are a rip-off Beware of anyone who wants to "fix" your credit score for a fee -- often a hefty fee of $1,000 or more.
	How to get free credit reports Go to the Web site created by the three big credit agencies so you can get your record once a year.
	Own up to bad credit when job hunting It's better to tell your side of the story before the employer draws the wrong conclusion.
	Where to find a good credit counselor If you're buried in bills, you need professional help to review your finances and help you get out of debt.

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BAD CREDIT CALCULATORS

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How much do you owe?
Total your debts. Devise a repayment plan.

Pay off your credit cards
Find the fast, cheap way to a $0 balance.

Get out of debt faster
Develop an accelerated repayment plan that consolidates your consumer debt into a single loan.

Cut costs with a cash-out refi
See how much you can save by consolidating auto and credit card debt into a new mortgage.

Consolidate your student loans
Forecast the savings and how it can be used to payoff credit cards and other high-cost loans.

Mortgage calculator
Calculate payments for any fixed-rate loan.

How much must you earn?
Determine the minimum income you’ll need for the mortgage you want.

How much home can you afford?
Figure out how much you can borrow based on how much you make and how much you owe.

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WORK SHEETS

	Fix credit report mistakes Use this form letter to dispute errors.

	Change the name on your credit report Just fill in the blanks on this form letter.

	Dealing with debt Take a comprehensive look at all your bills and develop a plan to pay them off.

	Transferring credit card balances Here’s all the information you’ll need to ensure a smooth transition to a new card.

	Ask for a lower rate on your credit cards Follow our script and record the results of every conversation.

	"No more late fees" work sheet Keep track of when your credit card bills are due, how much you owe and how much you've paid.

	4 steps to cancel a credit card This work sheet walks you through the process of closing an account without denting your credit score.

	What to tell the credit card company This form letter covers all the legalities for closing an account and informing the credit reporting agencies.

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BAD CREDIT Q & A

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Q.	Can my lender seek a deficiency judgment against me if I give back the deed in lieu of foreclosure?

Q.	Can I get a tax deduction for interest rolled into my modified mortgage?

Q.	What can we do when our bills are too high and a mortgage loan modification won't help?

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3/21/2010 5:58:19 PM

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