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- 3 min read
Online Credit Card Debt Help
Online Credit Card Debt Help and Resources
If you're in credit card debt, you'll find numerous online sources and solutions. You can check your credit, find credit offers, research credit counseling services, research debt consolidation loans, apply for debt consolidation services, and find free financial calculators online with just a few clicks.
Check Credit Reports Free Online
Go to http://www.annualcreditreport.com to pull your credit reports for free if the interest rates or minimum payments on your credit cards suddenly spike, but you haven't missed any payments or paid late. Review all three reports carefully for errors like misreported late payments and accounts that don't belong to you. You can pull your credit reports once per year. Whether or not you have debt, you should get into the habit of checking your reports annually.
Use Financial Calculator to Make a Payment Plan
If you've decided to get out of debt without loans or counseling, or want to compare various debt consolidation offers, free financial calculators can help. If you want to pay down your debts without loans, then look for a financial calculator that will let you enter each of your debts and how much you can afford to pay every month. The end report will show you how long it will take to pay off your debts. Fiddle with payment amount to see whether a few budget cuts will help you get out of debt faster.
If you're considering a debt consolidation loan, use loan calculators to compare the savings at different interest rates and
compare the length of time it would take if you paid the debts off separately.
Search for Credit Card Debt Help
The internet makes it easy to find reputable credit counseling services or locate multiple offers for debt consolidation loans. Rather than hoping the offer you received is the best one or relying on the word of the credit counselor, you can review consumer complaints online before you sign-up.
If you think a home equity loan or home equity line of credit is the best way to consolidate your debts, you can compare current interest rates and decide where to apply for a loan.
Learn all about credit card debt relief options.
Create a Budget
Once you're committed to getting out of debt, you should make a budget so you can get out of debt faster and avoid creating new debt. Creating a budget also helps you see exactly where your money is going. You may pay a $120 cable bill without thinking about it, but once you see how it fits into your budget, cancelling some premium channels or ordering fewer
pay-per-view movies might seem like a great idea. You'll find numerous budgeting tools online. Learn how to establish a resourceful household budget with the Bills.com budget guide.
Apply for Debt Consolidation Loans
A few years ago, you had to go to a bank to apply for a debt consolidation loan or home equity loan. Now you can apply for those loans online. Once you find a good interest rate with a reputable lender, complete the online application. You may get your answer in minutes. Thanks to electronic processing, you could receive your funds in a few days rather than a few weeks. If you received a 0% credit card offer and the credit line is high enough to consolidate all your debts onto it, you may be able to apply for that card online as well.
Whatever credit card debt help you need, you'll find the solution online with just a few clicks. There's no reason to drown in debt when you can easily start to work your way out of it with the help of a few online tools.
Get rid of your debt faster with debt relief
Take the first step towards a debt-free life with personalized debt reduction strategies.
Choose your debt amount
Or speak to a debt consultant 844-731-0836
Struggling with debt?
Mortgages, credit cards, student loans, personal loans, and auto loans are common types of debts. According to the NY Federal Reserve total household debt as of Q1 2024 was $17.69 trillion. Housing debt totaled $12.82 trillion and non-housing debt was $4.88 trillion.
A significant percentage of people in the US are struggling with monthly payments and about 26% of households in the United States have debt in collections. According to data gathered by Urban.org from a sample of credit reports, the median debt in collections is $1,739. Credit card debt is prevalent and 3% have delinquent or derogatory card debt. The median debt in collections is $422.
Each state has its rate of delinquency and share of debts in collections. For example, in Connecticut credit card delinquency rate was 3%, and the median credit card debt was $435.
Avoiding collections isn’t always possible. A sudden loss of employment, death in the family, or sickness can lead to financial hardship. Fortunately, there are many ways to deal with debt including an aggressive payment plan, debt consolidation loan, or a negotiated settlement.
