Free reminders to pay bills - desktop software with reminder alerts.

Need a free reminder to pay bills? You can use our desktop software to remember utility, credit card and loan payment due dates, even special events such as birthdays and appointments.

Our reminder software is 100% free and works on your Windows computer desktop. Simply download, input your important dates and reminders will popup on your computer.

Free Bill Reminder Software - Click Here

Free Public Service Courtesy of Credit Federal

No doubt, our free bill payment reminder software can help you build and maintain good credit, because timely debt payments are paramount. Our service is 100% free, and works directly (and privately) on your Windows computer desktop. Take advantage of our software to remind you of bill due dates, birthdays, appointments, or to remind you of any important date.

You can set your account to send you daily, monthly, or even yearly reminders. Click the graphic above to download our reminder software today.

By using our free reminder software, you can save money by avoiding late payment fees and overlimit fees.

There is no cost nor obligation.

Software Directory? Add our PAD XML file.

Calculate Credit Card Interest

How to calculate credit card interest. Use our online free calculators, or download calculator software to your computer for offline use.

Remove Late Payments from Credit Report

Why you should remove late payments from credit reports and fix errors. Order your free credit report online and check your spouse's credit score, too

Government Loan Modification SNAFU

It appears that the government loan modification program is following typical democrat trends - Situation Normal All Fouled Up (SNAFU). Democrats are proving republicans correct that the credit industry should be deregulated. If you are facing mortgage foreclosure, good luck with your refinancing.

Government Legit Credit for Bad Credit People

The government thinks it can regulate the credit industry to continue legit credit offers for bad credit people, but they fail to understand the high risks loan and credit card lenders face.

Debt Free Money

The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements.

Calculate Debt And Payoff

Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement?

How To Repair Bad Credit

Free tips on how to repair bad credit reports and to fix credit errors, and the steps the Transunion, Equifax and Experian credit report bureaus use to calculate credit scores so you can perform your own credit check.

Late Loan Payments Hit High

Trouble repaying debt? Late loan payments hit 16 year high, making almost any loan a high risk for lenders, not just those for bad credit people.

Late Payments Increase Bills

Consumer worries rise as late payment fees for already high bills further escalate debts.

Late Vs Never Credit Card Payment

Credit card companies now worry how many card charge payments will be late and how much cardholder debt will never be paid back at all.

Unpaid Credit Card Debt

The amount of unpaid credit card debt escalates as spending continues. Will consumers be able to payoff credit card charges, or will they need credit counseling, credit card debt consolidation, or debt settlement services?

Subprime Problems Trouble Car Loans

Late truck and car loan payments may be due to subprime credit problems.

Loan Problems Trouble Lender

Loan problems; late payments, defaults and low demand, trouble lender IndyMac Bancorp.

Mortgage Equity Trouble

If you owe much more than your home is worth, you're not alone in the latest mortgage equity trouble affecting US homeowners.

Credit Card Payment Calculator

Calculate minimum monthly payments for total balance payoff with our credit card payment calculator. Download our free software.

Bad News For Subprime Loan Borrowers and Lenders

Late payments and foreclosures... Bad news for subprime loan borrowers and lenders.

Consumer Debt Late Payments

Consumer debt has increased, resulting in late payments in multiple secured and unsecured loan categories.

Bank Credit Card Debt

Do banks encourage credit card debt with their overage and late fees?

Credit report accuracy and disputes

Credit report accuracy and disputes. Public comments are wanted on issues related to credit agency reporting accuracy and the reinvestigation of disputes.

Mortgage Delinquencies

Natural disasters, layoffs and rising interest rates at core of mortgage late payments.

Unsecured Loan

Get an unsecured loan regardless of bad credit or even no credit history. Get money with no collateral and no credit check.

Financial Calculators

Free financial calculators to help you balance and create a budget, estimate loan interest, track expenses, manage checkbook entries, calculate credit card payments and payoff.

About Payday Advance Loans

About payday advance loans. Get fast cash online with no collateral.

Late Auto Loan Payments

Experian credit report agency says a preliminary study of 30 day auto loan delinquencies shows an 8.1% increase over a year earlier. That means $22.9 billion worth of loans are 30 days late.

Late Auto Loan Payments

Do you have late auto loan payments? Take action before your car payments fall too far behind. Get your household budget under control or perhaps get an auto refinancing loan for lower monthly payments.

Auto Loan Late Payments

TransUnion credit report bureau offers lenders new loan approval decision tools as auto loan late payment rise.

Retire Or Save Money

What to do about retirement... 401k, IRA, Save Money, Retire Late, Get A Lump Sum Or Monthly Check?

Emergency Loans for Small Businesses

Small business owners may have a chance of getting a loan that could help pay for debts and the loan may be interest free. Applicants can apply for up to $35,000 and there would not be a repayment due for twelve months. The SBA (Small Business Administration) will be releasing more details later.

IRS Late Tax Filing Extensions

Still haven't filed your 1040 and won't make the government's deadline? IRS Late Tax Filing Extensions.

Longer Term Consumer Loan Programs

Consumer Loan Programs get Longer Terms. The Federal Reserve reveals a program geared to the availability of consumer loans and will require collateral by companies who participate to offer longer terms.Three years instead of one year on loans that are approved.

Gas Cards with Rewards

Want to get cash back when you put gas in your auto? Some Gas Cards offer perks not only for cash back when consumers charge for gas but also for charges for auto related expenses.

TransUnion Reports Late Payments and Debt

According to TransUnion, the bad credit crisis continues as auto loan late payments increase and credit card debt grows. Order your annual free credit report and use our free bill reminder and personal budget software to help you manage finances.

Save Money Personal Finances

Free software to save money and to protect personal finances from credit card debt, high interest charges and late payment fees.

Government Fannie Freddie Mortgages

Federal government takeover of Fannie Mae and Freddie Mac. Get the latest home loan and mortgage refinancing news and submit your online application.

Experian Credit Report Study

Experian credit report study reveals late payments for mortgages and credit card bills for both good and bad credit people. Order your annual free credit report copy and fix errors that are costing you high interest.

Past Due Utility Bill Cutoff

If you are past due on your utility bill, you may face utility company cutoff. The free money from the government (tax rebate) that was designed to stimulate the economy, may end up funding utility bills and gas fillups.

Free Credit Report Monitoring

TransUnion will soon begin providing eligible U.S. consumers up to nine months of free credit monitoring and related services.

Calculate Car Lease Payments

Calculate car lease payments using the residual value and the interest rate using this equation

2 Mortgages Comparison

Comparison of 2 mortgages from people with identical bad credit histories; one an ARM and one a 30 year fixed rate home loan. Should there be a government grant or mortgage refinancing to solve late payments and defaults?

$7000 Debt Question

Advice Request: $7000 in debt, poor credit, no collateral loan option. Is there anyone who can help me?

Government Tax Rebate Checks

Government tax rebate checks due out soon, hoping consumers will make new purchases to stimulate the economy instead of using the money to pay off bills. But will this lead to higher debt and possibly chargeoffs later on, worsening the economy?

Less Late Credit Card Payments

According to the Consumer Credit Delinquency Bulletin, late credit card payments declined. If you can't pay ontime, consider a credit card debt consolidation loan over a charge-off.

New Home Loan and Mortgage Refinancing Stats

Mortgage Purchase Applications Up While Refinances Down In Latest Survey.

Mortgage Applications

New home loan purchase applications are up while 2nd mortgage loan and equity refinance requests are down in latest survey.

Auto Financing Brochure

Free auto financing brochure for help with purchasing through a lender or a car dealership. Calculate monthly auto loan payments. Download our software or use our online auto loan calculator.

Credit card bill payments

Late credit card payments by consumers remain at a high level, and people are adding more debt to their already high bill payments.

Mortgage rates down

Average mortgage loan interest rates on 30 year fixed rate loans drop. Now may be the time to buy or to remodel. Calculate new home loan purchase and 2nd mortgage refinance payments.

Submit Financial Blog

Free financial web blog at Credit Federal. Submit a credit card blog, financial news blog, or other related content.

Debt Relief

Debts can cause mounting late fees and high interest rates so the best plan is to get debt relief as soon as possible. By ignoring debts, the amount owed will increase with added fees. Review all details about your debts, list the loans you owe and other bills. Figure out how much you are in debt and start on a budget. Figure how much you make, how much you need for basic living expenses, and how much you can pay toward debts.

When you need more money for debts you must either make more money or save some from your regular income. Anytime you have a few extra dollars, put it in an account and use it to pay down your debts. Many times consumers refinance their mortgage and get a loan to pay off debts. This can be a good plan if you don't pay off debts and make new debts. Instead, pay down your mortgage with any extra money until the mortgage is paid off. Don't ever risk taking out mortgage loans and risk loosing your home if you have any doubts about repaying the money.

Some consumers get debt relief by using money in their IRA (Individual Retirement Accounts) but this can have a negative effect on your future. When you withdraw from your IRA, you can loose your tax deferred returns. If getting debt relief is beyond your expertise, consider getting a free quote from a debt relief professional. Let them tell you some debt relief choices that you can consider. The important thing is not to delay and get deeper in debt.

First Name:
Last Name:
Email:

Credit Card Offers

Debt Help: Review non-profit credit counseling, unsecured debt consolidation, do-it-yourself free debt settlement and professional debt negotiation agency solutions to decide which assistance program is best for you.

Compare credit counseling vs debt settlement to help you decide which one offers the best benefits for the short term as well as long term. Whether you choose a credit counseling agency or a debt settlement company, both programs only assist with unsecured debt. Learn the types of unsecured debt and who qualifies for a debt consolidation loan.

Don't file bankruptcy to get out of debt. Instead of a non home owner debt consolidation loan to pay off debt you could simply reduce bills via credit counseling or nonprofit debt consolidation, or you could negotiate debt settlement. View our sample letters such as a Debt Verification Letter to challenge a debt and a collection agency's right to collect.

If your unsecured debt is mainly due to credit card debt; including joint credit card debt, get debt counseling before you file for divorce.

You don't need a loan to pay bills and to payoff balances. If you cannot get approved for an unsecured debt consolidation loan, you can pay off debt over the long term via an effective personal budget.

Too much Christmas credit card debt? Consider a credit card debt consolidation quote to combine and lower monthly bills before you chargeoff credit card balances.

There are many options to handle and recover from excessive bills, whether via unsecured debt consolidation, sending creditors a debt negotiation letter, consolidating student loans, or by paying off high interest bills with a loan. Learn the truth about government debt consolidation loans and get more debt information.

Pay bills on time with our free bill reminders. Download free personal finance software to track expenses. Browse more debt assistance resources.

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.

View our other free services.