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It may be one of life's scariest moments. You realize that there are significantly more bills than you have money to pay them with. It might be the result of overspending for months or even years, on the other hand it could simply be the loss of a job and no emergency savings to fall back on. The Next Six Week Christian Budget Workshop Is No Answer We don't seem to have much to offer people in such predicaments within the Christian community. Consider it tantamount to offering an exercise program or a cholesterol pill to someone having a heart... Read more →

Hackers recently infiltrated the computer network of Sony Pictures and posted online the Social Security numbers of Sylester Stallone, Conan O'Brien, and tens of thousands of current and former employees. We don't know if Rocky cried out, 'Adrian, Adrian, my identity has been stolen,' but it is likely that he uttered a few choice words. While some speculated that North Korea was behind the security breach, they have denied it (but can we believe them?). The working theory on the involvment of North Korea was that the breach was in retaliation for an upcoming comedy about Kim Jon Un. An... Read more →

These days, it’s hardly out of the ordinary for people to carry significant credit card balances. It’s not necessarily due to self-indulgent, carefree living or anything like that, but, rather, because of just how difficult it is to get by these days, in a world still characterized by economic malaise, to include rampant underemployment, which, in many respects, is worse than the outright unemployment problem plaguing the nation. One such person recently asked for my thoughts on just how to get out from under his burdensome credit card debt. His situation is not unusual: he’s a fellow with three cards,... Read more →

According to a study recently conducted by the Urban Institute, just over one-third of adult Americans with a credit file have a debt in collections. For purposes of this study, “debt in collections” refers to a non-mortgage debt/bill, like a credit card or utility bill, that is more than six months past due. Perhaps just as shockingly, according to this study, is that just over five percent of all Americans with a credit file has a credit report that reflects past due debt, which means they are between 30 and 180 days late on a non-mortgage payment. This data is... Read more →

I shared a graphic the other night on my live workshop on credit repair that I just had to make part of a blog post. If you understand what I am about to share with you, you will be in a position to very quickly raise your credit score. The chart above could not make it more clear that the real credit game is in the two largest slices of the credit scoring pie. 30% Debt Utilization Ratio Fancy term, right? But the idea is simple. On revolving accounts, points are added to your score by comparing the amount of... Read more →

There is quite a lot of confusion about the issue of how long an item can legally stay on a credit report. Oddly enough, people will really dig in their heels about what they believe to be true. There are about as many urban myths about time limits in the world of credit repair as there are Elvis sightings. The above comment is on one of our very popular YouTube videos on credit repair. Note the classic confusion and misunderstanding about the issue of statute of limitations and the length of time an item can stay on a credit report.... Read more →

One of the most common misunderstandings about credit repair is the amount of importance given to negative accounts. When most people begin to review their credit report, the first thing they are drawn to are the so called 'bad accounts.' They mistakenly believe that if they could just clear up these items they would end up with a good score. Oddly enough, tinkering with these accounts will usually do nothing to raise your score, and will many times do just the opposite. The Absence Of 'Bad Credit ' Does Not Make A Good Credit Score The misguided and uninformed will... Read more →

A neighbor informed me recently that while she was up at the corner gas station she saw two men with a laptop computer acting suspiciously. She said they were 'doing something' with their computer and seemed to be closely watching her and other customers (especially as they took out their credit cards to use the pay at the pump option). She believes that they may have been remotely stealing credit card numbers. Listen To Jim Paris Discuss This Topic My 71 year old mother mentioned the other day that a friend suggested that she go out and buy a special... Read more →

I was returning home from a trip last week. After picking up my luggage from the carousel and finding my car, I started my drive home from the airport. My stomach was growling as I had not eaten in several hours. I saw a McDonald's that was open and I ended up in the drive-through ordering a bottle of water and a small hamburger. What would follow would be one of the strangest experiences I have ever had in a drive-through. Although not common, PINs can sometimes be stolen electronically You Want My PIN? What? The young lady at the... Read more →

How The Rewards Game Works Credit card issuers offer rewards to entice you to apply for their card. Your challenge is to use the card and pay off your balance in full at the end of each month, avoiding any interest charges. If you can't bring yourself to do this, don't get enter the game (you will get clobbered). It is obvious that those cards offering the highest rewards are usually those with the worst interest rates. The rewards programs are funded partly by the money that the card company earns from the merchant transaction fees, but it also comes... Read more →

If you hate your bulging wallet and the headache of digging through your credit cards, debit cards, and loyalty cards when making a purchase, a new device called Coin promises to be a game changer. It will fit nicely in your wallet (the same size as a single credit card) and replace just about every type of card you are carrying. Coin is also fully functional at ATM's as well. The device, which will sell for $100, is currently available for $50 through a pre-order promotion. Those that pre-order will receive their Coin by this summer. With the use of... Read more →

New Fee For Credit Card Users Begins Nationwide Rollout

As part of a settlement reached this past summer between merchants and Visa/MasterCard, consumers may now be charged more when paying with a credit card. The change went into effect this week and will only apply in cases where a credit card is used. Those using debit cards will not be affected. States That Still Prohibit Checkout Fees For Credit Card Users California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, Texas How Much Will It Cost You? The amount that can be added to your bill can not be more than what the merchant is actually paying for... Read more →

I have been writing for a couple of years about the large number of people who are ditching their bank account for simpler and lower cost options. In this week's article, I want to share a brand new option- Bluebird. Bluebird is a new account being offered through a joint venture between Wal-Mart and American Express. It is a debit card that provides a simple alternative to a bank checking account. From the Wal-Mart press release - “Our customers tell us that they’re tired of navigating a complex maze of dos and don’ts to avoid the ever growing list of... Read more →