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Which State Do I File for Unemployment? - The Truth of Credit

This may seem like an obvious question at first but, for some people this can be a highly technical question to answer. Do file where I live? Do I fi[...] read more »
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79 Things You Knew or Should Do Today to Improve Your Credit. - The Truth of Credit

Your probably going to say Rick these are so obvious. But are they really? Most of the time we know exactly what we need to or think and we just lack[...] read more »
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How to Write a Debt Validation - The Truth of Credit

There is a lot of bad advice given out on the internet in terms of debt validation letters and disputing debts in general. First and foremost a debt[...] read more »
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Top 10 Phrases Debt Collectors Will Use - The Truth of Credit

First off, the reason I’m writing this post is not because I don’t pay my bills. It’s because I’m a Debt Collector myself and I know very well how th[...] read more »
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If You Have a 400 Credit Score! - The Truth of Credit

There are worse things than being in deep debt, but not many. The problem is that you are constantly paying for past mistakes and those mistakes hav[...] read more »
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How to Pay Off a Car Loan Faster? - The Truth of Credit

Let's face it, for most people in New York City a car is a necessity. Unless you are Amish or under the age of 16, you probably either have a car or[...] read more »
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Can a Creditor Sue Me After Setting up a Payment Plan? - The Truth of Credit

Let's get the disclaimer out of the way: I AM NOT AN ATTORNEY. More importantly, I don't know the laws in your state or your personal situation. Al[...] read more »
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What is a Reasonable Food Budget? - The Truth of Credit

Feeding your family is why most people go to work every morning. To give you an exact percentage for your budget would be misleading because I know n[...] read more »
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How Bad is Your Job? - The Truth of Credit

It’s the Tuesday after Labor Day weekend and I know what you are thinking, the absolute last thing you want to do is get up and go to work. Who can b[...] read more »
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More Money, More Problems? - The Truth of Credit

Certainly, at some point you have heard the phrase, "more money, more problems". First and foremost, I'm not a millionaire nor do I pretend to be.[...] read more »
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Are You Being Too Hard On Yourself? - The Truth of Credit

Are you a cup half-empty or half-full person? You will eventually learn that perspective is a very dangerous thing. It will either open the door to h[...] read more »
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Best Places to Stash the Cash Right Now

For those of you who recently looked up your ING Direct accounts lately and saw 1.4% yield, this post is for you. Those saving accounts and CD's jus[...] read more »
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My Top 10 Favorite Blogs

This may be off the personal finance subject but sometimes finance can be boring, but only sometimes. However, here is a list of blogs I try to visit[...] read more »
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Using Credit Cards to Start an Online Business

Finding money to start a business is not an easy task, especially in this economy. Trying to fund an online business is even harder. If I were to st[...] read more »
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Benefit of Credit Unions

Over the last few months, I’ve become sick of Bank of America. They have not only raised the interest on my credit card but have also raised their “m[...] read more »
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