When Your Car Payment is Too High

The Federal Reserve has reported that consumer debt is rising mainly due to student loans and auto debt. If your student loan payment is too high, we recommend going here to see what options you may be able to explore. If your car payment is too high, you may have other options. Here are a

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Back to Basics: How to Build Your Best Budget Yet

For the majority of working income earners in America, there is a trusty pattern we have been practicing since grade school. It goes something like this: Monday: First day back at work from the weekend Tuesday: When you actually start getting work done for your week, aka: second Monday Wednesday: Hump day Thursday: the weekend

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How to See if You Qualify to Receive a Storm Shelter

In the aftermath of the devastating storms that swept across Oklahoma in May and June of 2013, Oklahomans began to demand easier access to storm shelters. We had grown tired of losing innocent lives to tornadoes and floods. Oklahomans everywhere began making requests that we find a way to put a storm shelter in every

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CFPB Announces Steps Toward Rules for High Interest Loans

Today at a field hearing in Richmond, Virginia, the Consumer Financial Protection Bureau announced that it is publishing an outline of proposals under consideration that would end “payday debt traps” by requiring lenders to take steps to make sure consumers can repay their loans.  The strong consumer protections being considered would apply to payday loans,

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Handling Medical Debts and Credit Report Disputes to Become Easier on Consumers

Disputing errors on your credit report may become easier over the next several months. As a result of changes, the credit bureau reporting agencies will be making changes to how they handle the error dispute process and the way that they report medical debts on your credit report.     Here are the biggest changes:

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A Great Example of a “Phishing” Scam

One of our CCCSOK.org NFCC Certified Counselors recently received the following “phishy” e-mail. The subject on the e-mail was: Unusual activity in your American Express account. If you ever get an e-mail like this please do NOT click on any of the links. They are trying to steal your information. Here are a few problems

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Scored Credit Report and Monitoring Service Available at No Cost

CCCSOK.org has received access to several thousand guest memberships in Experian’s FreeCreditScore.com. Through an initiative of the National Foundation for Credit Counseling (NFCC.org) known as Sharpen Your Financial Focus, consumers may register for one free year of service from FreeCreditScore.com. Membership enables you to access your credit report and Experian credit score as well calculators

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