Free Credit Card, Loan and Money Management Assistance
Free Credit Card, Loan, and Money Management
Assistance to help Americans effectively use secured and unsecured credit cards, loans, and to manage money, income and
personal expenses.
CreditFederal provides an abundance of free resources which include financial software, tips, advice, credit card and loan news, as well as resources for professional, personal assistance.
- Record and Track Expenses, and sort by type and/or by date.
- Record Income/Deposits and calculate debt-to-income ratio.
- Instant Credit Grade Calculation by analyzing expenses.
- Helpful Tips. If your grade is low, the software offers tips to improve.
Acclaimed financial software; as seen on dozens of other software download websites.
The software is 100% free, easy to use, operates on Windows computers, and does not require entering sensitive data such as credit card and bank account numbers.
Auto Loan Calculator to estimate monthly payments.
Credit Card Calculator shows how long to pay off credit card balance & interest fees paid.
Mortgage Refinance Calculator to see if you can save money refinancing.
New Home Loan Calculator to determine your monthly payments.
Create a personal household budget. Reduce expenses and lower bills with our free budget calculator.
Savings Calculator - free money savings calculator shows how much interest you can earn.
Frequently, Credit Federal arranges special partnerships with credit providers who want to introduce new services to consumers. By receiving our free financial newsletters, you can take advantage of special offers. There's no obligation to apply, and you may cancel instantly at any time with a single click on the unsubscribe link we place into every email.
Need a free reminder to pay bills? You can use our desktop software to remind you of when loan payments are due, special dates such as birthdays, even to remind you of appointments. Our reminder software is 100% free and works on your Windows computer desktop. Download, input your important dates so reminders will popup on your computer.
Instant access; no credit card required, to online applications for free government grants, gov loans, plus unclaimed money and unclaimed property search. Learn the truth about individual government grants.
CreditFederal provides consumers with financial news, credit tips as well as credit advice. Use our site search engine to find the information and the financial services you need.
Personal Credit
Some lenders give more importance to income and payment history rather than credit ratings. That can be a good thing as consumers often make mistakes
every now and then when it comes to managing their credit. With the economy's problems and consumers getting laid off from jobs, it can affect personal
credit from time to time. Bad credit happens sometimes and it should not hinder a consumer from applying for a personal loan. No matter how bad personal
credit is, there are lenders who will approve short term loans.
When searching for a loan for poor personal credit, decide if you need a secured loan or unsecured loan. A secured loan requires collateral, requires good
credit, and usually has good interest rates. When personal credit is poor, an unsecured short term loan may be the only option. This loan can have higher
interest rates but bad credit people often must pay the price to get the loan in emergencies.
Review several online lenders, their terms, conditions, and fees and don't worry about having poor personal credit. There are good companies with low fees
and there are tons of choices for unsecured personal loans. Online options can be faster than driving around town and applying.
For poor personal credit, start making payments on time every month to help
rebuild personal credit.
Identity Theives are often people close to you. Many people who commit ID fraud target family and friends, the very ones who trust them most. The reason why is because they typically have easy access to the victim's identification information, as well as access to the victim's credit cards and other banking information.
Now that Christmas shopping has begun and you're adding multiple charges to your credit card, it would be easy for an ID thief to add a fraudulent charge amongst the many already on your statement, and you just might overlook it.
We recommend itemizing all your charges and comparing them against your credit card statement. If you see charges that you did not make, challenge them.
During this season you also need to not lend your credit card to anyone. Even if borrowers don't steal your information or make fraudulent charges, they may not be as careful with your credit card as you are.
Christmas credit card application
Whether you want a secured prepaid card to make Christmas shopping safer, or if you want an unsecured credit card to fund purchases, visit our popular credit cards page to compare offers.
For a very bad credit card, you may want to apply for a low limit card that helps you rebuild credit and offers credit limit increases over time.
If you have good credit, see if you qualify for a high limit rewards card such as one that offers cashback for purchases.
Grants
for Organizations and Individuals
A federal grant is financial assistance from a federal agency and the grant recipient must carry out a public purpose authorized by a law of the United States.
Federal grants are not federal assistance or loans to individuals and may not used to get property or services for the federal government's direct benefit.
There are 26 Federal Agencies that offer over 1,000 grant programs in different categories.
Here are
the 26 agencies that provide grants: The Department of Health and Human Services, Agency for International Development, Corporation for National
and Community Service, Department of Agriculture, Department of Commerce, Department of Defense, Department of Education, Department of Energy,
Department of Health and Human Services, Department of Homeland Security, Department of Housing and Urban Development, Department of the Interior,
Department of Justice, Department of Labor, Department of State, Department of Transportation, Department of the Treasury, Department of Veterans
Affairs, Environmental Protection Agency, Institute of Museum and Library Services, National Aeronautics and Space Administration, National Archives and
Records Administration, National Endowment for the Arts, National Endowment for the Humanities, National Science Foundation, Small Business
Administration, and the Social Security Administration.
There are infomercials and websites
that advertise free money, however few are available to individuals and there are none available that provides personal financial
assistance. You can find out if you are eligible to apply for grants on Grants.gov website and you can watch a tutorial. If you register as an Individual, you
will only be able to apply to grant opportunities that are open to individuals. An individual cannot submit a grant application to a grant opportunity that is
just open to organizations.
Some examples of Organizations are: Government, State, Local, City, Township, Special District, Native American Tribal
Governments, Education, Public Housing, and Non-Profit Organizations.
Small business loans and small business grants may be awarded to companies that meet the size standards that the U.S. Small Business Administration
(SBA) has established for most industries in the economy. The most common size standards are as follows:
* 500 employees for most manufacturing and mining industries
* 100 employees for all wholesale trade industries
* $6 million for most retail and service industries
* $28.5 million for most general & heavy construction industries
* $12 million for all special trade contractors
* $0.75 million for most agricultural industries
About one-fourth of industries have a size standard that is different from the levels above and they vary from $0.75 million to $28.5 million for size
standards. This is based on average annual revenues and from 100 to 1500 employees for size standards based on number of employees. With some
exceptions, all federal agencies, and many state and local governments, use the size standards established by SBA.
Visit the website: govbenefits.gov to get all the FAQs about grants and grant information for organizations and individuals.
Investments
and Retirement:
There are options
for investments before and after retirement. One thing anyone can do is to learn new financial skills and to take financial classes
to gain knowledge about money, investing, and finances. If this type of learning
is not for you, a financial expert can be very valuable. Money is necessary after
retirement for paying expenses and bills. Some facing retirement only plan for
fun activities like traveling, but it is important to meet all possible expenses
and make sure retirement money does not give out. It is not wise to sit back and wait for retirement
benefits to start but to help build funds that will last through the retirement years.
Strive to keep retirement funds growing to have the best possible retirement.
* Create a detailed retirement plan.
* Consider bonds as an investment as they mature over time.
* Start saving and keep saving before retirement even starts.
* Research investment options yourself or get a financial advisor to give advice.
* Don't leave retirement years to chance, take an active part in planning for them.
* Review insurance companies and financial institution investments to get the most out of investing.
* Stocks can be an option as businesses can grow and profit and shares can increase.
* Consider buying
real-estate as an investment as the price of properties can increase and it could be sold.
* Consider getting an IRA ( investment retirement account ), there are several types and
they can have tax advantages.
* Review affordable insurance plans, weigh the pros and cons of each company, and choose a plan that will fit your medical needs and budget.
Establish or rebuild bad credit:
Although credit options are limited and more restrictive, there are still ways to establish and rebuild bad credit, including:
