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Credit Advice - FICO score ranges - How to know if you have a good or a bad credit rating: 580 or lower is considered a bad credit rating; 580 to 620 is bad-to-fair; 620 to 720 is OK-to-good; and 720 or higher is good-to-excellent. Your score determines how much you pay for credit in addition to whether or not you get approved. If; for example, you have bad credit and are stuck with a 22% APR credit card instead of 19%, those extra 3 percentage points would cost you an additional $334.39 in interest on a $5,000 balance with $200 monthly payments.

Tip of the Day: Negative entries on your credit report typically fall-off after 7 years. But let's say you are 5 years past due on a debt, and you get a call from a collection agency or otherwise decide to pay toward that debt, unless you pay it off in full or if you get the collector to report the partial payment as paid in full and remove the debt from your report, you'll restart the debt clock. In other words, instead of only have 2 more years to go until the debt naturally falls off your credit report, your payment will restart the clock to zero and you'll have yet another 7 years until the debt expires. If you have an old debt on your credit report that is about to naturally be removed due to the debt statute of limitations, either be prepared to quickly pay if off in full or simply ignore it.


US government free money. Unclaimed money search, free govt grants and individual grant foundations No credit card required


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Govt Grant, Unclaimed Money and Unclaimed Property

100% free access to links of Govt Grants and Unclaimed Money, no fees!


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You'll have instant free access to our page of grant and unclaimed money links, a 100% free service which we've provided since January, 2001.


Need money bad? No fees individual grant foundations, unclaimed money, unclaimed property and free government money programs. Includes government assistance, grants for the disabled and education grants.


Seen Matthew Lesko on TV or received mail or phone solicitations from companies selling free government money information? They charge fees, but Credit Federal gives free access to its financial newsletter subscribers.


There are government grant programs, unclaimed money, unclaimed property, SBA grants to start a business and private grant foundations for women, minorities and veterans. Research free with us and pay no fees. Absolutely no credit card required.


Get access to our links of Govt. grants, federal assistance, unclaimed money and unclaimed property.


Credit Federal no fee links to free govt. grants, unclaimed money, unclaimed property, financial and government assistance. Research free to determine your eligibility for grants or govt. assistance. Because this is a Free Public Service offered and maintained by Credit Federal at its own expense, Credit Federal cannot provide individual assistance in researching, applying, and obtaining grants or federal programs. Credit Federal provides this service as "Self-Help" only.


Seen Matthew Lesko on TV or received mail or phone solicitations from companies selling free government money information? They charge fees, but Credit Federal gives free access. And by using our service, you can avoid government grant scams.


Search for free grants to pay bills


As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.


Need more information? Read our financial and credit articles related to government grant, and join our online financial newsletter.

No interest loan financing - "0% interest financing for a new car": Often these loans are for 12, 24 or 36 months, not the 48 or 60 months many people choose to keep monthly payments down. If you opt for a shorter loan term, be sure you can make the monthly payments. Also look for any hidden fees. "No Payments on Merchandise for 1 Year" - Even though you won't make payments for several months, if interest is being charged from the date of purchase, as is often the case, you can end up paying much more for an item than you expected. Also, if you don't pay for the merchandise in full by the end of the specified period, you may be charged interest from the date of purchase.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - Grants are available, and can even be used to help with paying bills.

Each and every year private foundations, states, and the United States Government give away billions of dollars in free grants from their programs. Sadly, most people do not know that these free grants exist. Find a listing of state as well as local assistance and grant programs.

Why does the government and private industry give grants?
Every year the federal government provides billions of dollars to various agencies to give grants to US citizens.

Most people never even apply for a free grant as they think it isnít for them, they do not know who to contact, or they think there is too much red tape. However, the truth is that people from all over the country, from all walks of life, receive free grant money and other benefits from the government, and so should you. How to find government grants.

If you need help with bills, contact a charity.

If you need help with paying your rent or bills, including your electric or heating bills, you can look into the following local and national charities and non-profit organizations. Various programs and services are offered by charities, as noted below.

* Contact a local community action agency or non profit organization in your county.
* National charity organizations provide programs for all states. Many of the groups and organizations will also provide help with other bills, such as food, health care expenses, your rent and medical bills, and some can also assist you with paying down your debt.
* Find information government assistance programs offered by your state.
* Grants to help with paying bills.
* Payday loans (or lower cost Salary Advance Loans) that can provide you with cash overnight.
* Mortgage help is also offered by various agencies, charities, and government programs.
* Or read about ways to get help with paying for prescription drugs, receive free medication, and also free medical care.
* Consider contacting a credit counseling company that can help you save on your credit card debt.
Find a listing of free or low cost non-profit credit counseling agencies.
* In addition, it is possible to make extra income from work at home opportunities, or online surveys/sampling new products. This extra income can also go a long way towards paying bills and debt.

Apply for the Best Back to School Credit Card for Savings Rewards on Clothes, Shoes, Notebooks and All Supplies
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Before you splurge all that money, check out these smart way to spend your IRS tax refund.
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Don't be a victim of free government money scams, such as grants and loans that you never pay back.
Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
You have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.
The IRS is seeking applications for the new Volunteer Income Tax Assistance (VITA) matching grant program. Also search our resources for other free money such as unclaimed funds and property.
There are now new ways for American Express card members submit project ideas for the Members Project. American Express will donate $2.5 million to fund the project. Also browse our website for government grant programs.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.
What Grant programs if any can a veteran apply to for student loan debt. I owe over $90,000 in student loan debt. I have under $30,000 in past Credit Card debt. We've already consolidated everything as much as possible.
The federal CFDA website is where to find Government Grants, but as of the date of this article the government is still overhauling it.

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