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April 1, 2019 Ever see those commercials where the person wants to buy a house or a car so they keep checking their credit score like it’s going … Read More » Interest Rates on Loans and Credit Cards January 28, 2019 What is interest? Interest is the amount that is paid back in addition to the amount you borrowed when you take out a loan. Basically, interest … Read More » Credit Scores Across America July 13, 2018 Originally posted on CNBC on June 22, 2018 by Megan Leonhardt | @Megan_Leonhardt If they weren’t so nice, Minnesota residents could boast about having America’s … Read More » How I Took My Credit Score From A 540 To 730 June 26, 2018 For many people, personal debt, especially when they get in over their heads is overwhelming and often times suffer in silence. Lynn, one of our … Read More » How Can I Start Building My Credit June 12, 2018 How can I start building my Credit? June 12, 2018 At a young age, one of the most overlooked topics is credit. Most people in … Read More » Latest Infographics Most Popular Articles 12 Amazing Facts about Credit Card Debt Who says debt is a boring topic to read about? It shouldn’t be considering how many Americans are in debt. The growing trend in personal debt is staggering. So gathered below are 12 interesting facts and statistics about debt and ... posted on June 2, 2014 24 Amazing Pictures of Money Money makes the world go around. It also makes for some truly amazing pictures. Photo credits are given by number at the bottom of the page. 1. World’s Largest Gold Bar The Mitsubishi Materials Corporation of Japan poured the ... posted on June 2, 2014 Debt Consolidation Delray Credit Counseling offers Debt Consolidation Services or Debt Management Plans (DMP). This is a program offered by most banks and finance companies through non-profit Consumer Credit Counseling Agencies Facts on Debt Management Plans; Debt consolidation services are for Credit ... posted on August 23, 2014 About Delray Credit Counseling Delray Credit Counseling Corp. is a 501 (c)(3) non-profit educational service dedicated to providing consumers with the financial education and resources they need. Our goal is to provide consumers information not only pertaining to the specified fields that we operate ... posted on June 2, 2014 Credit Score posted on July 25, 2014DCC Holiday hours is as follows: Closed January 1st.Ever see those commercials… Ever see those commercials where the person wants to buy a house or a car so they keep checking their credit score like it’s going to get better every time they look? Well, that’s not how it works. It takes real effort to get out of debt. You have to make timely payments and pay more than the minimum in order to get your debt ratio down and your credit score up. If you want help in achieving this contact us. The information and consultation are free. See what steps you can take towards a better life. Sign up now for help by clicking the link below. Get out of debt! Interest Rates on Loans and Credit Cards What is interest? Interest is the amount that is paid back in addition to the amount you borrowed when you take out a loan. Basically, interest is a fee for borrowing money. It’s how lenders make a profit from giving out loans. How is interest calculated? Interest is calculated based on your amount of debt and then divided by 12 months. For instance, if you have a credit card with an interest rate of 24% and a balance of $1000, you would multiply 1000 by 0.24 and then divide that number by 12, which gives you the amount of interest you’ll pay that month. In this case, $20. A lot of the time creditors will set your monthly payment to barely cover the interest, so in this case, you may have a $30-$35 payment, effectively keeping you in debt longer by not allowing you to quickly pay down the principle. Interest on Loans and Credit Cards When taking out a loan, always remember that it is money that is being borrowed and you’re paying interest to use it under the promise that you pay it back as soon as you can. For credit cards, any purchases made on your card before paying off previous amounts, are added to your balance and you’ll pay interest on the entire amount. This will change your » Read More Credit Scores Across America Originally posted on CNBC on June 22, 2018 by Megan Leonhardt | @Megan_Leonhardt If they weren’t so nice, Minnesota residents could boast about having America’s highest average credit scores. The state’s residents have an average credit score of 709, which falls into the good” range of scores between 670 to 739, according to Experian . Vermont, New Hampshire, South Dakota and Massachusetts round out the top five states with the highest credit scores. The pattern of states in the upper Midwest doing well by this measure and the South doing less well has remained pretty consistent” over the past two decades, credit expert John Ulzheimer tells CNBC Make It . Credit scoring systems don’t consider geography when calculating a consumer’s credit score so the difference is going to be solely based on the composition of their credit reports,” he says. And Mississippi, with its score of 647, wins the award for the lowest average credit score seemingly every year for two main reasons, he says: a higher delinquency rate and a higher average credit card utilization ratio. Consumers with good credit scores tend to get cards with higher initial limits and larger limit increases. That allows them to have higher balances while also having higher scores,” Ulzheimer says. Consumers with poor credit scores tend to have lower limits so even modest balances » Read More How I Took My Credit Score From A 540 To A 730 For many people, personal debt, especially when they get in over their heads is overwhelming and often times suffer in silence. Lynn, one of our clients, was gracious enough to participate in an interview to give some insight to her journey. Hopefully from Lynn’s story you can find some tips to help you get your debt under control. Q :...