One of the most common strategies that consumers employ to get out of debt is consolidation. Credit card consolidation combines all your debts together into one place, making it easier for you to pay them back. For some debtors, debt consolidation works remarkably well but unfortunately, debt consolidation works as a problematic solution rather than being helpful to most debtors in America. When you owe debt on multiple credit card accounts and you fail to make payments towards them, you start looking for possible debt relief options through which you can get back on the right financial track. With the pitches of lower monthly payments, altered interest rates, debt consolidation seems to be the most attractive option for the debtors with debt on multiple cards. But before you take the plunge, you need to know how it works and some other details on the process. [click to continue…]

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Paying off your remaining debt with interest free credit cards can be done.  But it is no small task.  It will require you to be mindful of your finances and you will definitely need a budget.  Also, some people will be excluded from this method, because an excellent credit score is needed to qualify for the right card.

I can not stress this enough.  In order to do this properly, you have to prepare a budget.  Knowing where your money is going will help you allocate more towards paying off your credit card debt. [click to continue…]

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How To Pick The Credit Card That’s Right For You.

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We at the Interest Free Credit Cards Hub are glad to bring you our guide to getting the card that is right for you. 1.  Go Out And Look For It. How many great things have just landed on your front porch?  For me that would be zero.  I can think of nothing worth while [...]

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A Brief Overview: Your Free Credit Report – Government Mandated.

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You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law. Let us start by saying that The Interest Free Credit Cards Hub is not breaking this news.  But the simple fact is, at least from the people we have spoken with, there are a lot [...]

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Free Credit Report Tutorial – Experian – Part 3 of 3.

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This is Part 3 of a 3 part series designed to help you obtain your free credit report.  In this video tutorial we will cover the step-by-step process of obtaining your Experian credit report.  Be sure to check out our other two tutorials for obtaining your credit reports from Equifax and TransUnion.

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Free Credit Report Tutorial – Equifax – Part 2 of 3.

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This is Part 2 of a 3 part series designed to help you obtain your free credit report.  In this video tutorial we will cover the step-by-step process of obtaining your Equifax credit report.  Be sure to check out our other two tutorials for obtaining your credit reports from Experian and TransUnion.

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Free Credit Report Tutorial – TransUnion – Part 1 of 3.

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This is Part 1 of a 3 part series designed to help you obtain your free credit report.  In this video tutorial we will cover the step-by-step process of obtaining your TransUnion credit report.  Be sure to check out our other two tutorials for obtaining your credit reports from Experian and Equifax.

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Five Tips to Raise Your Credit Score.

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While there are a lot of things you can do to raise your credit score, here at the Interest Free Credit Cards Hub we think these five tips are the most useful. Tip 1 Pay your bills on time!  Late payments are a huge credit score killer.  Falling behind on your payments such as your [...]

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A Brief Overview: Your Credit Score and how its used by Financial Institutions.

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What is your credit score? Your credit score, in essence, is a three digit number on your credit report that represents how likely you are to repay your loan.  The credit score that most people are familiar with is the FICO score, which is what we will cover here.  The score is calculated from several [...]

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