Gerri Detweiler Gravatar

Gerri Detweiler

Director of Consumer Education, Credit.com |  In Personal Finance, Managing Debt

Gerri Detweiler is Credit.com’s Director of Consumer Education. She focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.

The New Solution to Getting Your Home Above Water

Mortgages

The New Solution to Getting Your Home Above Water

The New Solution to Getting Your Home Above Water

Homeowners who are severely underwater but want to keep their homes often have few options.  They can try to get their lender to modify their loan, but with Federal Housing Finance Agency head Ed DeMarco refusing to allow principal reductions on loans owned or guaranteed by Fannie Mae or Freddie Mac, chances are slim that… Read More

Credit Report Double Jeopardy Means Double Damage

Credit Score

Credit Report Double Jeopardy Means Double Damage

Credit Report Double Jeopardy Means Double Damage

It’s bad enough when you can’t pay a debt and you know that it’s going to damage your credit for years to come. But what about when a single debt multiplies, turning into two, three or even more negative items on your credit reports? “I see these ‘double jeopardy’ tradelines all the time,” says Michael… Read More

Can You Afford to Be a Full-Time RVer?

Personal Finance

Can You Afford to Be a Full-Time RVer?

Can You Afford to Be a Full-Time RVer?

Have you ever thought about chucking it all and taking to the road full-time? My hubby and I have, though now we can’t seriously consider it until my daughter is out of high school in a few years. But if you’re free to roam, you could join some 1.3 million Americans who are full-time RVers…. Read More

How to Shop For a Personal Loan

Personal Loans

How to Shop For a Personal Loan

How to Shop For a Personal Loan

A personal loan can be a great way to consolidate debt or tackle a home improvement project without having to pull out the plastic. Unlike credit cards, personal loans often offer fixed interest rates and fixed repayment periods — usually three to five years — which makes it easier to budget payments. On the other… Read More

My Social Security Income Is Being Zapped for Student Loans!

Students

My Social Security Income Is Being Zapped for Student Loans!

My Social Security Income Is Being Zapped for Student Loans!

Federal student loans are considered the preferred way for students who must borrow because they are often much cheaper and considered “safer” than private loans. But there are hidden dangers lurking within these loans that you need to be aware of. Because they are guaranteed by the federal government, they offer the government collection powers… Read More

Credit Olympics: Credit Reports Around the World

Credit Score

Credit Olympics: Credit Reports Around the World

Credit Olympics: Credit Reports Around the World

As the 2012 Summer Olympics get underway in London, many of us will be following our favorite sports and team members, hoping for wins, records broken and, of course, gold medals. But this being a blog about credit, we naturally had to wonder, “Which countries would score well in terms of their credit reporting systems?”… Read More

How to Shop For a Mortgage

Mortgages

How to Shop For a Mortgage

How to Shop For a Mortgage

Are you getting ready to shop for a mortgage? You may be intimidated by stories about how much more difficult it can be to qualify these days, but don’t let that stop you. Borrowers are still getting loans, and when they do, their rates are often remarkably low. Still, to land a sweet deal you’re… Read More

3 Ways a Personal Loan Can Boost Your Credit

Personal Loans

3 Ways a Personal Loan Can Boost Your Credit

3 Ways a Personal Loan Can Boost Your Credit

Consolidating credit card debt with a personal loan can do more than help you save money and budget better. It may also help your credit scores. Here’s how: Free Up Available Credit One of the factors that can affect your credit scores is the ratio of outstanding balances to available credit on your revolving lines… Read More

Do You Have a Good Interest Rate?

Credit 101

Do You Have a Good Interest Rate?

Do You Have a Good Interest Rate?

Jaw-dropping low rates on mortgages and auto loans are tempting even the most cautious borrowers to take the plunge and try to get a loan to buy a home or car, or refinance the ones they have. But can those great rates you see advertised be trusted? How do you know whether the interest rate… Read More

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