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The CreditGUARD of America Blog

Back to School: Credit Concerns for College Students

College undergraduates are back in school and will soon be starting their credit “rite of passage” by applying for credit cards and student loans. These young adults are expected to become responsible managers of their own financial future. Are these college students ready? No! Facts indicate that college student credit usage is out of control. […]

Thinking About Cosigning a Loan? Read this First!

Are you wondering if cosigning will hurt your credit? Well, if you’ve never cosigned a loan, you’re probably wondering what this would mean for you. If you’re contemplating doing this as a favor for someone, arm yourself with the knowledge to avoid a worst-case scenario. If someone’s credit score is less than what’s needed to […]

Truth about Payday Lending

In the past decade or so, there has been a lot of advertising on short-term cash solutions and you may have noticed countless “Payday Lenders” pop up in almost every neighborhood strip mall. Nowadays, there are more payday lenders across the United States than McDonald’s. In the last couple of years, the government and consumers […]

Minimum Credit Card Payments on the Rise

Federal regulators are pressuring major credit card companies to increase the current minimum credit card payments from 2% to 4% of the total outstanding balances. The regulators argue that taking such a step would help consumers get out of debt sooner and hence reduce their overall interest charges. On the other hand, credit experts’ claim […]

After the Hurricanes: Long Term Disaster Assistance Programs

After hurricanes Katrina, Rita and Wilma ravaged the coastal regions of the U.S. many people are still unable to find their grounds and get back to normal lives. The damage caused by these hurricanes to people’s homes, livelihoods, automobiles and personal belongings have amounted to billions of dollars and many who lost all or most […]

How did all that debt get there?

Boca Raton, FL—Credit Card Debt is at epidemic proportions. It affects more Americans each year than heart attack, stroke, and diabetes combined. It is a dangerous “silent killer” carried by most Americans. How did all that debt get there? For Sarah C., “it all started on campus the day I got my first credit card […]

Buy Now, Pay Later: Generation Y’s Budget Deficit

Research from Harris Interactive estimates that America’s youth, Generation Y, has a total $175.1 billion dollar per year spending power in today’s economy. Based on a June 2003 study that interviewed over 3,500 pre-teens, teens and young adults with their parents, Harris Interactive breaks down Generation Y’s spending habits into three categories: Pre-Teens (ages 8 […]

Gasoline Prices: Filling Up On The Card

The recent rise of gasoline prices has consumers searching for ways to save. Credit card companies have responded to this need by introducing gas rebate credit cards. When consumers make gas purchases, they get 2% – 6% gas rebates. Additionally, many of these credit cards offer a 1% – 2% rebate on other standard purchases. […]

Gasoline Credit Cards: What You Need to Know

Soaring gas prices predicted to remain in the high range throughout the year have forced consumers to find their own remedies to ease the pain at the pump. Credit cards that offer cash back are becoming increasingly popular with consumers who are searching for savvy ways to save a couple of bucks at the pump. […]

Foreclosures: A Growing Trend?

During the course of the last year overall foreclosure numbers saw a steady rise in the United States. Analysts predict that with rising interest and inflation rates along with high housing costs, the future outlook of foreclosures remains substantial. In fact, many believe the foreclosure rates will reach record levels within the coming year or […]

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