If you're in trouble, don't wait, and start finding out what your options are. The form is very easy and straightforward as they probably want to match you with as many possibilites they have available (good) but it means that they'll start spamming you as well so enter in an email that you're ok with some spam entering in (bad). Anyway, if you're in trouble, or you think you could be (if you're already struggling with your payments month to month, you're in a great place to find out your options - if you're already a month or 2 behind, get as many options as you possibly can NOW) - this is one place to fill out the form and find out what may be possible for you. Don't wait for the pre-foreclosure notices to begin. FREE CONSULTATION LOAN MODIFICATION

They've got some bold claims here and rightfully so because they are one of the OG guys that started the whole online consumer convenience loan mortgage "everything" companies. You fill out the forms and receive choices and options for your situation, regardless of where you're at. Up to 4 lenders will give you what they can as an offer and for those of you looking to simply purchase can check here as well. LENDING TREE AFFORDABLE MORTGAGE AND RATES

If you're in a bind and need a little bit of help, you can now do payday advances online. The process is quick and simple and the cash gets direct deposited into your account as soon as the next day. Please do use responsibly. PAYDAY LOAN ADVANCE

If you have excellent credit (and I'm talking a FICO of over 800 across the board) and you're looking for something more, this is the card for you. Unlike the AMEX black card which has certain spending requirements, this one only requires a hefty annual fee but gives you everything that the AMEX black card gives you and MORE. It really is for the rich (and famous?) and comes with it, all of the benefits and luxuries of the rich and famous. If you have what it takes, apply here. VISA BLACK CARD APPLICATION

The fancy jingle aside with the guy in the subcompact, guitar playing, pirate hat wearing commercial,... it's the new year and you should check your credit report. Sign up for their free trial here and get your credit report for free and for a limited, even your Experian credit score. Cancel within the 7 days if all you need is your report, otherwise, continue on for just $14.95 to have them monitor your credit reports and to alert you immediately if anything goes awry. FREE CREDIT REPORT WITH FREE 7 DAY NO OBLIGATION TRIAL MEMBERSHIP

 

You get all 3 credit reports and 3 scores for free by signing up for their free trial membership. The membership lasts for 7 days so cancel before then and be out nothing. Otherwise, you can continue on with their service for $19.95 a month and receive a $25,000 credit check total guarantee. FREE CREDIT REPORT AND SCORE

Those headlines are straight from MSNBC folks, it's not an advertisement or commercial. Average rates on 30 year fixed mortgage dropped to 5.1% while applications have remained at their highest level in more than 5 years. Everyone's looking at the attractive rates and are looking to refinance their home loans. If you are as well, look at these guys (one of our favorites to check) and check your current rate (or heck, see what you can qualify for) to be sure you're getting the best possible rate for your situation. It's very straightforward and simple, and you can move forward at your own pace. HOME REFINANCE OR PURCHASE QUOTE

• Update: You can see the articles that I've referenced here:
  • MORTGAGE APPLICATIONS AT 5 YEAR HIGHS
  • MORTGAGE RATES FALL TO THIRD STRAIGHT RECORD LOW

The 1% cash back is nice,... nice enough since a lot of other cards are starting to pull their cash back rewards cards. But the real beauty of this card is the 0% APR for your balance transfers that they give you for the first 15 bill cycles (approximately 15 months depending on how they start off your card). If you've got debt on some cards and need to transfer the balances, apply today for this one and get some relief for just over a year while you get yourself together. BANK OF AMERICA CASH REWARDS PLATINUM PLUS MASTERCARD CREDIT CARD

The Gold Delta is a very nice card, no doubt about it. If you don't have one, apply for one here. But if you do have one (or have the credit rating for this puppy), you can pick up one of these and not only get the 20,000 bonus miles with your first purchase, but 2500 additional bonus miles for each additional card member that you add onto your account. And like the other Gold Delta card, you also get the same awesome Fraud Protection Guarantee, Return Protection, Extended Warranty for an additional year, purchase protection, insurance, Emergency check in and the list just goes on and on. PLATINUM DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS

Yes,... you get 10,000 bonus points with your first purchase. You get another 10,000 bonus points just for staying at Hilton. You get 30,000 bonus points if you spend $5000 in 5 months (try gas,... I'll easily top this at the moment). Get 5 HHonors bonus points for every dollar, 3 HHonors bonus points for every dollar on regular purchases, no annual fee, pay over time,... and I'm out of breath now so you can just apply and rack up these bonus points because if nothing else, transfer your balances and get 2.90% APR for the first 6 months! HILTON HHONORS PLATINUM CREDIT CARD FROM AMERICAN EXPRESS

 

 

Get the cards now while you can folks,... change is not only in the air but has landed smack into everyone's lab in the form of a serious reality check. This is one of hte few cards left with a 3.99% balance transfers and you guys know with the latest news from Amex, this card may not be around for much longer either so apply today, transfer those high balances onto something more manageable today. This card also gives you the flexibility to pay over time or in full and does have automatic rewards so you're not just moving money around but can earn some goodies. CLEAR FROM AMERICAN EXPRESS

 

 

Did you know that there's a difference between a credit score and a FICO score? FICO is the one that nobody (well, in theory) can fudge, while the credit score can be tweaked to the lender's whim,... and the better and stronger your FICO, the more leverage you've got so check it out. You get to see your FICO score, check out your credit and it's all included in this full featured trial that gives you a monitor that alerts you each time there's a blip on your credit report! There are a bunch of very convenient options for you to choose from so if you like what you see (aside from your credit score and report) just continue on. Check it out. FREE 30 DAY TRIAL WITH FREE FICO SCORE AND CREDIT REPORT PROMO

The fancy jingle aside with the guy in the subcompact, guitar playing, guy which is all a marketing strategy that works to keep that blasted song in your head. However, what they offer is no gimmick and does give you some nice benefits. Sign up for the 7 day trial, and not only do you get the $50,000 Triple Advantage Guarantee, but you get to see all 3 of your credit reports. If you don't like what you see, just cancel within the week and be out nothing, yet gain the 3 reports! Useful if you've used up your 1 free report per year that you get. FREE CREDIT REPORT WITH FREE 7 DAY NO OBLIGATION TRIAL MEMBERSHIP

Now, with the 25,000 bonus point that you earn, it is redeemable for one domestic round trip airplane ticket. Or save the 25,000 miles for even bigger rewards later. Use the card on items that you would purchase anyway, all you need is $1000 in the first 3 months of the card ownership. That comes out to just over $333 per month folks,... not much considering the cost of gas and food these days. And what American Express is known for, this is one of their main cards that give you NO pre-set spending limit, so although that does give you quite a bit of purchasing power, use it wisely. AMERICAN EXPRESS PLATINUM CARD APPLICATION

What I didn't write is that for each additional couple of cards, you get another 5000 bonus miles! This card also automatically protects against and will match an additional 1 year to the manufacturer's original warranty of anything you purchase with this card. If you lose your Canon digital camera while on top of that siberian tiger in Thailand, this card will replace it, no questions asked. You also get double points for traveling if you make purchases at supermarkets, drugstores, gas stations, home improvement and hardware stores, or the U.S. Postal Service. AMERICAN EXPRESS GOLD DELTA SKYMILES CARD

• Buyer's Assurance - Matches and adds 1 additional year to anything you buy of the original manufacturer's warranty!
• Online Fraud Protection Guarantee
• Purchase Protection Plan - Protects your purchase against accidental damage and theft for up to 90 days!
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance
• And a host of others. Sign up today! AMERICAN EXPRESS GOLD DELTA SKYMILES CARD

More than just a pretty interest rate indeed,... with everything going down the toilet, this is probably one of the very best cards to apply for right now folks. As before, there's no annual fee, and there is a rewards program, but the gem of this card is the super low 2.99% APR that you get for the first 12 months of those balance transfers. This is NOT going to last folks so get it now while you can. AMERICAN EXPRESS BLUE APPLICATION

• Update: If you prefer the Blue Cash and still don't have one, apply for that uber popular card here. AMERICAN EXPRESS BLUE CASH APPLICATION

If you need to check something really quick, here's another company that's offering their credit monitoring services with a free 7 day trial. If you don't need their service, be sure to cancel within the 7 days,... otherwise, you can check it out for 1 month (paid or 7 days for the trial) and see if it's something you want to keep. I had mine on before with a separate company and it gave me a great starting point. Check it out. 3 IN 1 CREDIT REPORT AND SCORE WITH FREE 7 DAY TRIAL

This is one of the very very few people who I've seen who actually offer what appears to be legitimate credit repair assistance. These guys are calling it a service, but I know that no one company can truly offer a full credit repair service. HOWEVER, they can provide assistance giving you valuable guidance as to what is what, what needs to be done, and all of the dispute assistance you'll need to clean up your credit report. We're in quite a mess so it's more important now than ever to make sure your credit worthiness is as high as it can be. VERACITY CREDIT REPAIR SERVICE

$50 cash back with your first purchase. 3% cash back is nice as it is based on your top 3 categories (not even by specific merchants) but the main thing with this card is the $50 cash back. It's essentially free money for whatever you purchase. Buy something for $50, and you just got it for free. Buy something for $100, it's essentially 50% off whatever you just picked up, and so on. Hurry though because these types of consumer offers never last long and if they pull it, you'll just have to wait till next year (or some sense). Your credit history does need to be clear of bankruptcy, seriously delinquent accounts and you cannot have some previous application with Chase where you were denied credit. Otherwise, apply away! CHASE FREEDOM VISA SIGNATURE CARD WITH $50 CASH BACK OFFER

This is a GREAT card to have.  I use mine more and more these days.  It's awesome because you get a lot of cash back from the places you tend to spend the most money.  There's 3% back for gasoline, 3% back at restaurants, 2% for travel, and 1% everywhere else, including Costco!  There's no limit to how much you can earn back too, and there's no annual fee.  To start you off, they give you a $25 credit with your very first purchase!  Of course, the card also comes with the class leading customer service and protection that AMEX is known for.  TRUEEARNINGS CARD FROM COSTCO & AMERICAN EXPRESS

This card is THE hot card to pick up folks. You get up to 15 months of 0.00% APR and even have a super nice 4.99% fixed APR which is extremely rare for those balance transfers, and it's for the LIFE of the balance. As before, there's no annual fee, and there is a rewards program, but the beauty again is the really nice and long 0.00% APR promo and the super low 4.99% balance transfer. Get it now while you can folks. AMERICAN EXPRESS BLUE APPLICATION

• Update: If you prefer the Blue Cash and still don't have one, apply for that uber popular card here. AMERICAN EXPRESS BLUE CASH APPLICATION

We all get a little over our heads with our credit cards sometimes. Maybe it's happened to you and now you've got a ton of debt and the interest is killing you. It's not the end of the world. You can negotiate your debt and these guys can help. Use their Debt Wizard to to consolidate, negotiate, or simply seek advice. Give them a try. DEBT SOLUTION OFFER

It's been awhile since we've seen these offers show up so if you don't have this card, get it now before they pull the free $50 cash back offer. The APR on this card is a bit high so this is not a card that you want to use to carry balances on. However, you do save 3% on your top 3 categories and again, you get $50 back after your first purchase! A good way to use this card would be to have the PerfectCard (or any others for that matter) and then balance out your purchases so that each of your cards are working FOR you instead of against you. Apply soon if you want it because these "free" money offers never last long. CHASE FREEDOM VISA SIGNATURE CARD

• Don't forget to pick up the Chase PerfectCard with 6% cash back on your gas purchases for 90 days! This is the card I mentioned up above which also gives you anywhere from 1-3% back on your purchases. CHASE PERFECT MASTERCARD

All that you hear on the radio to work these days have something to do with the rising cost of gas. No good news, all bad news except that there's always been this card that gave you a 6% rebate on all eligible gas purchases made at any gas station for the first 90 days. Thereafter, you still get 3% gas rebates on all eligible gas purchases at any gas station! You also get a 1% rebate on all purchases made anywhere else. Like most cards, you get a 0% intro APR for up to 6 months, no annual fee and a reward program that is second to none because well, it's Chase! CHASE PERFECTCARD MASTERCARD

This is still one of THE hottest cards to apply for folks. If you don't have one, or if you've got all of the other AMEX cards, this is good one to add to your wallet. You get Unlimited Cash rewards for up to 5% each time you use the card and they've now introduced a new 4.99% FIXED APR for your balance transfers! You also get a nice 0% APR on your purchases for 6 months! BLUE CASH FROM AMERICAN EXPRESS

• Update: Don't forget the other "Blue" cards from American Express. The Blue (no cash, just Blue) card gives you 0% APR for up to 15 months on your purchases which is great if you need to make one big purchase and want to pay it off over the course of a year-ish. There's no annual fee, and it comes with the same 4.99% fixed APR. And the Blue Sky gives you 0% introductory APR and a point for every dollar you spend that goes towards any airline, hotel, car rental or MORE with NO black out dates or travel restrictions (you've seen the commerical I'm sure). Both of these cards come with the same top of the line service that you get from all American Express cards.
  • BLUE FROM AMERICAN EXPRESS
  • BLUE SKY FROM AMERICAN EXPRESS

If you have a variable rate loan, you better lock it down while you still can! These guys would be perfect for that. They are easily one of the best in this field because of their wide range of services and ease of use, there's good reason why Lower My Bills has been featured and showcased in the Wall Street Journal and The New York Times, as well as CNN, Money magazine, Dr Phil and a bunch of other places on TV! Check out the following two new applications for you. As before, there are NO obligations or commitments for you to find out what is possible for you this coming year.

The nice thing about WaMu is that you can actually go to a physical branch if you have to and still enjoy their high-yield 3.30% savings account! Combine that with their Free Checking account and you have your one-stop-shop for all your banking needs. Still not convinced, check out the other perks:

• Waived Fees
• Free Checks for Life
• Cash Back on Debit Card Purchases
• Free ATM Cash Withdrawals

The cash back is only 3 cents, but every little helps, right? Also WaMu's website is rated really high in terms of functionality and ease of use. Give it a try, it takes only 7 minutes to set up an account! This offer is only good online. 3.30% HIGH-YIELD SAVINGS FREE CHECKING ACCOUNT OFFER

Savings accounts at the local bank are never going to match the rates of the best online bank. Makes sense, since the online branch doesn't have to pay tellers, branch managers, utilities, and a lease. But let me tell you why I like to bank online:

• No long lines.
• Can check my account at any time, anywhere with Internet.
• Highers rates - 2.45% APY - One of the highest savings rate in the country.
• No Monthly Fees
• No minimum balance requirement.

You can actually get a higher rate putting it into an online CD, but that locks your money. And who knows how wildly inflation is gonna swing. Liquidity is nice in this unpredictable economy. HSBCDIRECT 2.60% APY SAVINGS ACCOUNT

QuickBooks Pro Edition 2008 makes accounting easy with tools to organize your finances all in one place. Right now, get 20% off QuickBooks Pro, both the CD and downloadable versions, plus free shipping! (exp 6/30/08) 20% OFF & FREE SHIPPING ON QUICKBOOKS PRO DEAL