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<title>Steve Johnson - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Steve_Johnson</link>
<pubDate>Tue, 14 Feb 2012 23:05:23 -0600</pubDate>
<image><title>Steve Johnson - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Steve_Johnson</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Steve Johnson is the writer and publisher who founded the FindHow2.com website in March 2006 to help provide an ever-growing number of U.S. consumers with a free source of 'how-to' information to help them correct their credit reports and pay off credit card debt. His articles, which cover topics of restoring credit, reducing debt, personal finance and money management, help lead people to live a better life.  "Big solutions for life's little problems" is the motto that sums up FindHow2.com, he says. Steve can be reached via e-mail at fixyourcreditreport@gmail.com.]]></description>
<lastBuildDate>Tue, 31 Jan 2012 13:50:26 -0600</lastBuildDate>
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<title>Debt Relief - What Happens After A Debt Is Charged Off?</title>
<link>http://EzineArticles.com/6850534</link>
<guid>http://EzineArticles.com/6850534</guid>
<pubDate>Tue, 31 Jan 2012 13:50:26 -0600</pubDate>
<description><![CDATA[More and more people turn to the Internet to find a solution to debt relief. Often they have discovered -- after checking their credit report following getting turned down for a loan -- that there has been a charge off in their own credit history. They discover that this derogatory mark has led to a whole host of financial roadblocks preventing them from buying on credit what they want to own right now. Fixing a bruised credit report when it's in this condition is possible -- but it will require commitment, persistence, and patience as one learns to write letters to fix a credit report. To start, we'll explore exactly what happens after debts have been charged off by a creditor.]]></description>
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<title>Debt Consolidation Facts - The Benefits of Living With Reduced Debt</title>
<link>http://EzineArticles.com/6849005</link>
<guid>http://EzineArticles.com/6849005</guid>
<pubDate>Mon, 30 Jan 2012 16:24:30 -0600</pubDate>
<description><![CDATA[Before considering applying for a consolidation loan, you would be wise to first ask yourself two questions: One, will my consolidation loan actually reduce my total debts? And, two, do I have the discipline to quit spending and using credit cards that got me into this financial mess in the first place? The answer will depend on how successful consolidating will be for you.]]></description>
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<item>
<title>Writing a Letter of Late Payment</title>
<link>http://EzineArticles.com/6676190</link>
<guid>http://EzineArticles.com/6676190</guid>
<pubDate>Thu, 08 Dec 2011 18:44:59 -0600</pubDate>
<description><![CDATA[Writing a letter of late payment after you have been late making your credit card or installment loan payment may be the best step toward minimizing damage to your credit score. This article describes the best way to have your late payment get preferential consideration by the credit card company by demonstrating how by writing a letter of explanation, you will have the best opportunity to have this mistaken late payment forgiven or excused.]]></description>
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<title>Goodwill Letters - How a Late Credit Card Payment Can Be Removed With a Goodwill Adjustment Letter</title>
<link>http://EzineArticles.com/6702670</link>
<guid>http://EzineArticles.com/6702670</guid>
<pubDate>Fri, 18 Nov 2011 15:10:51 -0600</pubDate>
<description><![CDATA[A goodwill adjustment letter could prove to be your best way to remove a negative listing from your credit report and raise your credit score. Businesses are in business to keep their customers satisfied. If they can help you, they should. If you have been a good customer in the past, and you are only asking for a one-time goodwill adjustment for a late credit card payment, most business managers will react favorably because it will be in their own self-interest to help you keep your credit rating in good standing.]]></description>
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<item>
<title>Grants For College - How To Find Free Money To Pay For College</title>
<link>http://EzineArticles.com/6671320</link>
<guid>http://EzineArticles.com/6671320</guid>
<pubDate>Mon, 07 Nov 2011 13:29:24 -0600</pubDate>
<description><![CDATA[College is expensive. Add to your potential college grants a mixture of personal savings, income from working a part-time job, self-employment or student loans, and you could indeed find the way to pay for college. Although not always an easy task, the search for college grants is indeed still a fruitful exercise. Common sources for you to score grant funding include public civic organizations, private foundations, federal and state government agencies, college donors, and miscellaneous sources within your local community. This article covers helpful tips and resources to find the best grants for college.]]></description>
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<item>
<title>Tips for Writing a Letter to a Credit Bureau</title>
<link>http://EzineArticles.com/6669157</link>
<guid>http://EzineArticles.com/6669157</guid>
<pubDate>Fri, 04 Nov 2011 14:36:57 -0500</pubDate>
<description><![CDATA[Keeping a good credit score depends mainly on paying your bills on time, and rooting out errors and outdated negative items in your credit report. Knowing how to write a letter to a credit bureau is simple, once you follow the example we've provided to help you restore good credit.]]></description>
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<item>
<title>Where to Find Consolidation Programs to Help Pay Off Student Loans</title>
<link>http://EzineArticles.com/6661407</link>
<guid>http://EzineArticles.com/6661407</guid>
<pubDate>Thu, 03 Nov 2011 09:13:02 -0500</pubDate>
<description><![CDATA[Knowing exactly where to start looking for consolidation programs to pay off college student loans is the first step to getting debt free from the financial stress of education loans. Help is available. There remain two major programs that the federal government makes available to borrowers to combine loan balances and lower monthly repayments. New recent enhancements to these federal student loan consolidation programs may present you with your best options to find the way to get rid of student loan worry once and for all.]]></description>
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<title>Deferment Vs Forbearance - Know The Difference In Your Options To Postpone Student Loan Repayment</title>
<link>http://EzineArticles.com/6666616</link>
<guid>http://EzineArticles.com/6666616</guid>
<pubDate>Thu, 03 Nov 2011 07:59:22 -0500</pubDate>
<description><![CDATA[Student loan borrowers who are seeking student loan consolidation need to be careful about switching lenders in midstream. There may be no savings when it comes to consolidating your student loans unless you save a substantial amount of money every month. Loan consolidation is not always the best choice in every situation. If you simply wish to take a break from repaying your educational loans until your personal finances improve, then you might very well be better off making a formal request to postpone student loans, not consolidate them. In that case, you will need a better understanding of the differences between a "student loan deferment" and a "student loan forbearance."]]></description>
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<title>Letters Of Credit - Three Types of Letters of Credit Importers and Exporters Rely On To Get Paid</title>
<link>http://EzineArticles.com/6663777</link>
<guid>http://EzineArticles.com/6663777</guid>
<pubDate>Tue, 01 Nov 2011 16:19:12 -0500</pubDate>
<description><![CDATA[Commonly referred to as "LC's" or "LOC" in a sort of shorthand description, letters of credit are among the most secure instruments available to international traders to pay for goods. All too often, though, the term "letters of credit" related to these import/export financial products, mistakenly get mixed up with credit repair letters. ]]></description>
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<title>Student Loan Forgiveness - New Federal Student Loan Repayment Plan Offers Debt Relief Hope</title>
<link>http://EzineArticles.com/6651392</link>
<guid>http://EzineArticles.com/6651392</guid>
<pubDate>Fri, 28 Oct 2011 16:13:33 -0500</pubDate>
<description><![CDATA[Crushing student loan debt is hammering college graduates. Student loan defaults are soaring toward new records. College loan borrowers have called for debt relief. President Obama has proposed faster government-backed loan consolidation and student loan forgiveness plans to help borrowers repay their college debts and give a boost to the American economy. President Obama's student loan forgiveness plans could very well mean that your college student loan may get easier to handle. His new "Pay As You Earn" program, outlining new rules for repayment of federal student loans, allows for a brief re-financing window in early 2012, and it speeds up implementation of an income-based loan forgiveness repayment and forgiveness plan to lower monthly student loan payments now.]]></description>
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<title>The Advantages of Federal Student Loan Consolidation</title>
<link>http://EzineArticles.com/6653762</link>
<guid>http://EzineArticles.com/6653762</guid>
<pubDate>Fri, 28 Oct 2011 09:21:06 -0500</pubDate>
<description><![CDATA[President Obama student loan proposals are impacting college debt consolidation and federal loan repayment for college graduates. The advantages of federal student loan consolidation are plentiful, but so are the pitfalls. It is important for borrowers to understand the risks and rewards when they need to consolidate credit.]]></description>
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<title>Improve Credit Score - How To Fix Your Credit Rating and Raise Your Credit Score</title>
<link>http://EzineArticles.com/5779918</link>
<guid>http://EzineArticles.com/5779918</guid>
<pubDate>Wed, 26 Jan 2011 13:08:41 -0600</pubDate>
<description><![CDATA[To improve your credit score, you will need to take specific steps to clean up your credit history with a simple to follow system. Federal law protects your right to submit dispute letters to challenge and demand removal of outdated credit items. The secret to getting a better credit rating is that you will need to consistently apply your own efforts if you want to fix your credit score yourself.]]></description>
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<item>
<title>10 Tips to Become More Confident</title>
<link>http://EzineArticles.com/5693499</link>
<guid>http://EzineArticles.com/5693499</guid>
<pubDate>Wed, 19 Jan 2011 14:33:18 -0600</pubDate>
<description><![CDATA[Gaining self-confidence leads to action, and action leads to accomplishment. Confidence empowers you to tackle big projects, assert yourself, and battle through in negative situations. Here are 10 simple tips to become more self-confident so you can achieve your most important personal and professional goals.]]></description>
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<title>Quotes On Attitude - 3 Ways Life Inspiring Quotes Will Help Boost Your Confidence</title>
<link>http://EzineArticles.com/5672101</link>
<guid>http://EzineArticles.com/5672101</guid>
<pubDate>Mon, 10 Jan 2011 18:57:06 -0600</pubDate>
<description><![CDATA[Quotes on attitude and quotes about confidence are essential self-esteem builders and goal-achieving motivators that help you reach success. Life quote sayings are the tools of the trade for motivational speakers and self-help authors because they help communicate complex concepts into simple, memorable nuggets of wisdom. In reality, famous quotes are reminders of things you already know, wrapped up in a memorable arrangement much like beautiful flower arrangements on your kitchen table.]]></description>
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<title>The Responsibilities of Cosigning For a Student Loan</title>
<link>http://EzineArticles.com/5168834</link>
<guid>http://EzineArticles.com/5168834</guid>
<pubDate>Wed, 13 Oct 2010 08:43:35 -0500</pubDate>
<description><![CDATA[When it comes to helping a young student get through school, nothing can be more noble than putting it all on the line to help any way possible. But, if you are asked to cosign for a student loan, you need to understand that a cosigner agrees -- with the simple stroke of pen adding their name to the loan contract -- to assume equal responsibility for repaying the student's loan. At that point, the cosigner has assumed a loan obligation which could negatively impact their credit history and lower their credit score.]]></description>
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<title>Student Loans - Why Going Back to School Defers Payment on Student Loans</title>
<link>http://EzineArticles.com/5168398</link>
<guid>http://EzineArticles.com/5168398</guid>
<pubDate>Fri, 08 Oct 2010 15:23:58 -0500</pubDate>
<description><![CDATA[Returning to the classroom after leaving college is one way to put your student loan payments on hold. Deferring college loans while pursuing additional education is a benefit most student loan lenders make available to their customers. Taking advantage of this type of deferment can not only help you afford to go back to college for an advanced degree, but it can also help you get a better handle on your student loan debt and get some breathing room on repaying your bills.]]></description>
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<title>Student Loans - How the Deferment Period Works</title>
<link>http://EzineArticles.com/5168639</link>
<guid>http://EzineArticles.com/5168639</guid>
<pubDate>Fri, 08 Oct 2010 14:51:56 -0500</pubDate>
<description><![CDATA[Knowing how the deferment period works when it affects your student loan debt will help you keep your student loans out of default and keep your credit score protected. It takes diligence, patience and discipline to successfully carry out a deferment of your student loans, and then resume loan repayments on time once your finances have improved. These simple steps will help you understand who qualifies for a deferment and how long you will have under different scenarios.]]></description>
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<title>How to Plan Household Budget Cuts and Get Yourself Out of Debt</title>
<link>http://EzineArticles.com/2484089</link>
<guid>http://EzineArticles.com/2484089</guid>
<pubDate>Wed, 17 Jun 2009 16:48:35 -0500</pubDate>
<description><![CDATA[Want to get out of debt? The secret is to take charge of your financial situation. Fix your household budget by plugging money leaks. You can make a spending plan, stick to your spending plan, and stay flexible with your spending plan so that your debts will start to melt away!]]></description>
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<title>Free Consolidating Tools Help You Dig Yourself Out of Debt</title>
<link>http://EzineArticles.com/2475580</link>
<guid>http://EzineArticles.com/2475580</guid>
<pubDate>Wed, 17 Jun 2009 11:11:28 -0500</pubDate>
<description><![CDATA[Are you frustrated with too much debt? Are you finally ready now for credit card consolidation? If you find yourself falling further and further behind in your credit card payments every month, finding and using free calculators on the Internet can help you to compare debt consolidations options.]]></description>
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<title>How Student Loan Forgiveness Programs May Help Reduce Your College Loan Debts</title>
<link>http://EzineArticles.com/205335</link>
<guid>http://EzineArticles.com/205335</guid>
<pubDate>Thu, 25 May 2006 07:25:38 -0500</pubDate>
<description><![CDATA[Yes, college was worth the price, both in time invested studying and borrowing the funds to attend classes. But now the bills have to be repaid. Fortunately, there are options in 2011 to get your student loans reduced by offering up your skills and time to worthy organizations. You'll be helping yourself lower the principal of your student loan principal balances and helping others in the process.... a true "win-win" situation.]]></description>
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<title>Credit Repair Scams To Avoid At All Costs</title>
<link>http://EzineArticles.com/203945</link>
<guid>http://EzineArticles.com/203945</guid>
<pubDate>Wed, 24 May 2006 08:44:14 -0500</pubDate>
<description><![CDATA[There is no need for you to pay a dime to a credit repair clinic to fix your credit report. You can do everything they can do, and since you'll have a vested interest in getting the work done right as soon as possible, you'll probably do a better job than a complete stranger. This article will help you spot credit repair scams to avoid.
]]></description>
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<title>What To Look For When Choosing A New Credit Card</title>
<link>http://EzineArticles.com/204073</link>
<guid>http://EzineArticles.com/204073</guid>
<pubDate>Wed, 24 May 2006 08:15:13 -0500</pubDate>
<description><![CDATA[Credit cards are everywhere.  People are using plastic at a higher rate today than ever before.  But what makes for the best credit card plan?  This article explores the basic things to look for when choosing a credit card.]]></description>
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<title>10 Smart Steps To Help Consolidate Your Debts</title>
<link>http://EzineArticles.com/203972</link>
<guid>http://EzineArticles.com/203972</guid>
<pubDate>Wed, 24 May 2006 08:10:12 -0500</pubDate>
<description><![CDATA[Yes, you got yourself into a tight spot with your debts getting out of control.  But now, concentrate and focus on paying off what you owe and reducing your debts after consolidation. Consolidating debt shouldn't be taken lightly.  You are not eliminating debt, you are restructuring or spreading out the debt, with hopes of being able to pay the debt off with your current or future funds. This article covers 10 steps you need to follow to get that debt consolidated when it's time to rearrange your finances.]]></description>
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<title>Self-Scoring Your Credit History: How You Can Tackle The Black Marks You Find In Your Credit Reports</title>
<link>http://EzineArticles.com/200180</link>
<guid>http://EzineArticles.com/200180</guid>
<pubDate>Mon, 22 May 2006 17:28:08 -0500</pubDate>
<description><![CDATA[Time to take action and find out what's in your credit report, and create a road map on how to tackle the job of cleaning up your own credit yourself.  Easy to follow, low-cost self-help options included.]]></description>
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<title>How To Speed Up Credit Rebuilding Process</title>
<link>http://EzineArticles.com/200227</link>
<guid>http://EzineArticles.com/200227</guid>
<pubDate>Mon, 22 May 2006 11:37:39 -0500</pubDate>
<description><![CDATA[There are no quick fixes in credit. Only time and prompt payment of credit obligations repairs a poor credit history. Yes, it takes time to undo credit damage, but this article offers a few suggestions on how to speed up the process and improve and rebuild your credit.]]></description>
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<title>Save Money and Reduce Debts By Following These 8 Easy Steps</title>
<link>http://EzineArticles.com/200028</link>
<guid>http://EzineArticles.com/200028</guid>
<pubDate>Mon, 22 May 2006 10:10:27 -0500</pubDate>
<description><![CDATA[Looking for easy ways to save money? Saving money doesn't have to be hard. Here are a handful of simple tips to help you save money.]]></description>
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<title>FICO Credit Score Can Be Lowered By Simple Mistakes</title>
<link>http://EzineArticles.com/199998</link>
<guid>http://EzineArticles.com/199998</guid>
<pubDate>Fri, 19 May 2006 16:43:26 -0500</pubDate>
<description><![CDATA[Your credit score is a reflection of your own personal credit history, it is not etched in stone. Take action to improve your credit score, and you'll see your FICO credit score start to rise.  These free tips will help get you started.]]></description>
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<title>Credit Card Traps To Avoid: How the New 'Universal Default Clause' Can Hurt Your Pocketbook</title>
<link>http://EzineArticles.com/199780</link>
<guid>http://EzineArticles.com/199780</guid>
<pubDate>Fri, 19 May 2006 14:52:55 -0500</pubDate>
<description><![CDATA[Is there such a danger lurking in the fine print of your credit card contract (blithly referred to as "the agreement" by the companies)? Is there a nasty surprise waiting inside your next monthly credit card statement?]]></description>
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<title>Pay Down Debt To Improve Your FICO Credit Score</title>
<link>http://EzineArticles.com/199775</link>
<guid>http://EzineArticles.com/199775</guid>
<pubDate>Fri, 19 May 2006 14:52:47 -0500</pubDate>
<description><![CDATA[Your goal is to reduce your outstanding balances on all your credit cards. It's been reported that nearly one-third of one's FICO credit score -- 30% -- is based on the ratio of your credit limits and how much you owe on each credit card account. Following through with maintaining this ratio on your own cards will go a long way to improving your own credit score.]]></description>
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<title>How To Protect Your Credit In 5 Easy Steps</title>
<link>http://EzineArticles.com/158829</link>
<guid>http://EzineArticles.com/158829</guid>
<pubDate>Tue, 14 Mar 2006 12:14:44 -0600</pubDate>
<description><![CDATA[It's easy to damage your credit history if you're not careful with paying your bills on time or paying attention to your credit report.  This article explores 5 easy steps you can follow that will help you get into the habit of protecting your credit.]]></description>
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