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	6 smart moves to improve your credit score
	You'll get results and avoid those nasty credit repair scams ...

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	Save big bucks by downsizing your car You'll give up surprisingly little but could cut your monthly payments in half and save on gas and insurance, too.
	The best mortgages for subprime borrowers It's hard to buy or refinance a home with bad credit. But here's where to look for safe loans with little or no down payment.
	How to avoid foreclosure If you're behind on your mortgage and worried about losing your home, you need professional help.
	Can bankruptcy save you from foreclosure? Not for the great majority of financially strapped families because bankruptcy judges can't touch mortgages.
	When to walk away from your home There are eight reasons it might be time to accept the inevitable, cut your losses and let the bank foreclose.
	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.

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NECESSARY MUST DOS

	Make your tax rebate go even further Take advantage of stores that will give you a 10% bonus when you redeem your check for one of their gift cards.
	Avoid 'home rescue' scams Unscrupulous businesses that promise to help homeowners in financial trouble are really out to steal your house.
	Cut the cost of private student loans If you're struggling to keep up with the payments, you've got to act before you default.
	Take care of back taxes first The Internal Revenue Service has astonishing powers to get the money you owe -- and make your life miserable in the process.
	Know what to expect from your mortgage Surveys suggest that many homeowners don't know if they have a fixed- or adjustable-rate loan or when their ARM will reset.
	Auto title loans can cost you your car. This is the worst kind of short-term, high-cost loan. Don't even consider one. It can literally cost you your car or truck.

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LATEST TIPS

	FHA Secure not saving many homes The program's rules are too strict to help most borrowers facing foreclosure refinance into affordable mortgages.
	Homeowners who can pay aren't walking away The notion that lots of families are abandoning their homes just because of falling prices is a myth.
	Mortgage brokers took advantage of subprime borrowers A new study says consumers with bad credit paid more for loans obtained through a broker than directly from a lender.
	Borrowers keep homes longer after defaulting Lenders aren't foreclosing as quickly as they once did because they're overwhelmed with unpaid mortgages.
	Credit repair companies are a rip-off Beware of anyone who wants to "fix" your credit score for a fee -- often a very hefty fee of $1,000 or more.
	Pay your bills. Forget the payday loan A growing number of utility companies are accepting payments at payday loan stores -- a tempting situation.

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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.	Should I give up my dream of home ownership due to student loans, debt and my fiancee's bankruptcy?

Q.	With low credit scores, can we refinance to save our home or should we declare bankruptcy?

Q.	We owe more than our house is worth and are facing another adjustment on our interest rates in November. What can we do?

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5/17/2008 4:42:51 PM

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