Member Since August 16, 2008 , From GA, United States
Remember...it's your money!
About Janna:

I am interested in providing consumer advice for those with questions about money. I have been able to help friends and family who have come to me with questions about their finances over the years. I would like to share my knowlege of  spending and saving, budgeting, credit cards, and other financial concerns. The advice that I give is from experience, either my own or that of friends and family. I look forward to helping anyone with financial concerns.


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Recent Activity by Janna

Answered: How often should I check my credit report?

Checking your own credit report does not affect your credit score. Neither does inquiries from companies who want to offer you credit that you didn't apply for yourself. When you apply for credit and ...

Answered: Is this a legal practice-- my bank will pay my ...

Sounds suspicious to me...maybe time to change banks.

Answered: Does anyone know where i can get a loan to pay off ...

You may not need a loan. Go to www.nfcc.org to see what options are available to you through a Consumer Credit Counseling Service. They can lower your interest rates and have you make one monthly ...

Answered: Can a londlord refuse rent in cash? they want a ...

It probably is for tax purposes. If you convince them to accept cash, be sure you get a receipt. It would benefit you, though, to pay by check or money order.

Answered: Mortgage payment

You should call your mortgage company immediately. Ask for information on a hardship program. Most all companies now have a department that handles these kinds of problems. If you don't get ...

Answered: Bill consolidation

Go to www.nfcc.org to apply for Consumer Credit Counseling. If you qualify for a Debt Management Plan, your interest rates will be reduced and your bills will be consolidated into one payment. It's a ...

Answered: Remove

I agree that the best first step is to contact the company. There may have simply been a delay in reporting the accounts as paid, so call to let them know that they are still being reported with a ...

Answered: Negative mark on Credit

Just remember that even if you do pay the bill now, it will still show up as a negative on your credit report for some time to come. After you pay it, you may need to contact the company and ...

Answered: I'm approved for a first time home buyers loan ...

The payment sounds a bit high, but I don't know how much your taxes and insurance add to the payment, so it may be okay. There are a lot of really good mortgage calculators on the internet, so use one ...

Answered: Unsecured Credit Card Debt

I also do not believe that a lien can be placed on your home for unsecured debt. They can file for a judgment against you, so that if you sell any property in the future, they can be paid out of the ...

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