Kimberly Credit provides debt consolidation and credit counseling for consumers and we also offer educational seminars on financial, credit and debt issues.

Below are some articles and educational material for you to read:

National Help Hotlines - Here you will find help lines that you may need.

What exactly is Debt Consolidation - Debt consolidation is a process by which we can negotiate with all of your creditors to try and obtain the lowest monthly obligation needed for you to satisfy all of your current...

Warnings against Debt Settlement / Debt Negotiation programs - In debt consolidation, debt negotiation is often brought up in conversation. Debt negotiation is a program whereby companies offer to get you out of debt by merely holding ...

Bankruptcy - The decision to file bankruptcy is one that must be thought out thoroughly. The lasting negative effects can limit financial options and...

Collections & Practices - If you have ever applied for a charge account, rental unit, a personal loan, establishment of a new checking, savings, money market account, insurance, or a...

Collections FAQ's - How do I locate a credit reporting agency that has access to my records?

Financial Responsibility Education - Debt Consolidation is an excellent solution when it pertains to managing our finances. But, that's only the first step. Learning how to manage...

Consumer Protection Alert - Consumer Protection Alert is a designated area within the Kimberly Credit site used to alert our visitors. Our goal is to hopefully protect consumers against unfair, deceptive, or fraudulent practices pertaining to...

Credit Bureaus - Credit bureaus, also referred to as a credit repository or CRA's , is an entity that gathers information about consumers' credit histories. Your credit history includes information concerning your identity, your

Financial Warning Signs - Many times we don't see the signs that indicate the need to secure financial services until it's too late. Financial crisis doesn't occur overnight, and there are several warning signs that indicate your debt problems may be getting...

College Students and Debt Consolidation - Credit card debt is a major problem for many Americans and college students today. Many people today ...

Get me out of debt - Is one of your financial goals to get our of debt? Would you like to only have one low monthly payment? Getting out of debt is as simple. Just...

Credit Card Debt Consolidation - Many families today are carrying an average of $12,000 in credit card debt...

Credit Counseling vs. Loans - The multiple options available to consolidate ones debts can be quite confusing, credit counseling programs...

Debt Problems - Understanding if you may have a problem with your debts is the first step in taking action to get help...

Debt consolidation loan - A Debt consolidation loan is a loan you take in order to pay off all your credit cards and other outstanding debts...

Debt Reduction - Our Debt reduction services help you work towards...

Student Loan Debt - Got student loan debt plus other unsecured debt? Would you like to consolidate that student loan debt along....

Students and Budget - Being a student is difficult enough these days so here is a little help to assist you in managing a budget, it is

Personal Debt - is this something that you would like to get rid of? Personal debt, do you have lots of unsecured credit cards

Start to Eliminate Credit Card Debt - How can you eliminate credit card debt? How much do YOU owe on your credit cards?

Debt Collection - learn about debt collection and what can be done about it.

Debt Recovery - Does debt got you down and out? Do you feel like you will never recover from your debt? Whether you...

Debt Consolidator - One way to reduce the debt that you may have is to find a debt consolidator that can assist you with this matter.  here at Kimberly Credit we have...

Unsecured & Secured Debt - Almost every consumer in America somewhere owes some money to someone.  There are 2 basic types of consumer debt one...

Debt Consolidation Loan - What is a Debt consolidation loan? It is a type of loan that one takes in order to attempt to pay off all the outstanding debt that one may...

Credit Card Debt - Credit cards make it easy for us in our everyday lives to buy almost anything we need, from jewelry to computers to groceries.  Credit card are accepted worldwide.  Every time you use your credit card you...

Credit Score - The value of diligently tracking your credit score is often underestimated. Failure to know what is on your credit rating can keep you from...

How Credit Card Bills Are Calculated - lf you have ever sat down with your monthly credit card statement or statements and tried to calculate how your monthly...

Paying off old debt - If you are stuck with a bunch of old debt and find yourself using your credit cards to finance this debt, you could be...

Dig yourself out of debt - As you may have read, the savings rate for people today is at its lowest point in many years, maybe at its...

Consumer Debt Counseling - The past several decades have seen an explosion in the levels of consumer debt. While many of our parents and grandparents...

Divorce and Debt - Have you been recently divorce or are you separated and about to get divorced. Then your next financial moves better be...

How your credit score affects your mortgage - Each year thousands of prospective homeowners are shocked to discover their credit history will keep them from their dream of home...

Improve Credit - Improving your credit can be a difficult process but it is important to take the time and expend the energy to improve your credit score as much as possible. Your credit report and your credit ...

Dealing with High Levels of High Interest Debt - These days having at least one credit card is just about a necessity. From booking a hotel room to buying a plane ticket to renting a car, it is...

Unpaid Debt - When financial hardships arise, you need to understand the consequences of the different types of debts and how they can be affected if

Credit Card Terms - Listed below is a useful guide of terms that are associated with credit cards. These credit card terms you may or may not be familiar with. If you don't understand these

Design a Budget - Where has all the money gone and its not even the end of the month, you...

Improving Your Credit Score - It’s important to note that raising your score is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can...

Credit Card Debt Offers - Many Americans are overextended with debt these days and it seems like as soon as we are old enough to get a credit card, we are...

Wage Garnishment - When your wages are garnished, this mean money is taken out of your paycheck to pay of the debt that you may owe. An important fact to remember about wage...

Warning signs of too much debt - How to Know if You Are In Over Your Head in debt? Do you know the warning signs of too much debt? Credit is great if used wisely, but more and more people are getting in over their heads and...

Debt Consolidation Benefits - Debt consolidation is an option that can reduce your unsecured debt. The reason behind its increasing...

Tough Time Debt Consolidation can help - Doesn’t it seem like wages are frozen in time? What are we to do? Times are tight on our wallet and that can be very stressful! Bills keep

Credit Card Debt, what to know - The following items are not widely known about credit cards...

Losing a credit, debit or ATM card - If you ever have lost your credit card debit card or ATM card you know what kind of feeling that it is, it makes a person feel helpless. But incidents like this do happen once in awhile . When it does some recurrent questions that may come to your...

Consumer rights, what are they? - In 1977 the government passed the Fair Debt Collection Practices Act (FDCPA) as a law that will protect you the consumer and debtors from ...

What is Credit and the Types of Credit? - We live in a credit based society. Credit has become a convenient way to pay for things while using other people's money. It allows us to purchase items and services today, though we do not have to pay for them...

Credit Card Debt Problem - Do you owe a lot on your credit cards? The average American family is now over $7000 in debt just on their credit cards. That debt generates an interest charge of at least...

Advantages and Disadvantages of using Credit Cards - When using a credit card it should be done wisely and only if you really need to use it. Some advantages and disadvantages of using a credit card are as follows:

Debt To Income Ratio - A debt to income ratio is the simplest method that a creditor or lender may use to compare the amount of your take home income with...

How Do Creditors View My Debt To Income Ratio? - For A general rule creditors usually follow the percentages below when they are looking to grant you credit approval...

What is the 20/10 rule and the 28/36 Rule? - he 20/10 Rule is another method that lendors and creditors often use to grant credit to consumers. The 20/10 Rule has two ...

Financial Goals - Setting financial goals and reaching those goals is something that should be considered by...

Why Keep A Budget? - We live in a society that has taught us to BUY NOW and ...

Control Your Spending - What you need to do to control your spending. First you need to control the impulses that stimulate...

Use Your Credit With Caution - When borrowing money can help you meet your long term goals for education, for a car or...

Protect Your Credit Rating - Credit card companies and other financial institutions use credit reports as ...

Charge off - What does it mean when an account is charged off? What this means...

Why Consolidate Your Debt? - In order to secure a good financial future one should be mindful of their financial situation at all times. If you feel you debt is spinning out of control then debt consolidation may be for...

Organize Financial Records - Have you ever applied for a loan be it an auto or mortgage loan, but could not find your paycheck stubs to prove your...

Avoiding Temptation - An effective way that you can limit your spending is to decrease...

Cut Your Costs - America is becoming more affluent and prosperous - but many Americans, individually, aren't.  Even as our lifestyles are generally improving, the number of Americans declaring bankruptcy...

Balance Transfer Trap - Low interest balance transfer cards are a dime a dozen these days, but the big thing to remember is...

Wrong Credit Score - You may ask yourself can your credit score ever be wrong. The answer is ...

Recognizing a Debt Problem - It has become more and more difficult to avoid the tempting offers that are made by credit card companies. They show...

Bad Credit - No matter who you are, how much or how little money you make, or what you do, credit will be one of the most important aspects of your financial life. Obtaining credit, and handling credit wisely once you have it, is ...

Bad Credit Debt Consolidation - Do you have credit card that you are looking to consolidate? Do you have bad credit?

Credit Card Fraud Prevention Tips - Tips on how to help prevent credit card fraud.

Money Saving Tips - You can save money everyday. Use the money saving tips below to find ways to assist you in eliminating unnecessary

Identity Theft Recovery - Identity theft is on the rise and it is kind of scary. Thieves are always looking for something for nothing and because of this

Consolidate Debt - Why should you consolidate your debt? Your monthly savings alone is one good reason why you should look into consolidating your

Reducing Credit Card Debt - Charging on your credit card is one of the easiest things you can do, just hand it to the cashier sign and that is all, but

Limit Spending - How can you limit spending? Well one way is to

Impluse Buying - Today we are always tempted with advertising and marketing schemes to buy things that we really do not need. TV commercials are...

Interest Rates - You may think that credit cards are offered to people for a convenience when the primary

Debt Consolidation and Bankruptcy - Debt Consolidation and credit counseling is NOT bankruptcy. It is considered an effective alternative to bankruptcy. When a

Focus On Debt - What are the types of consumer debt? Almost everyone these days owes some money to someone else. usually this..

Debt Trouble - Below is a list of things if you said yes to any of these you may be in debt trouble. So take a close look at your financial situation...

Making Debt Problems Worse - Balance Transfers can be bad
If you are transferring balances of your high interest credit cards to the lower interest rate credit cards, this may seem like...

Reduce Your Utility Bills - How Can I Improve My Appliance Efficiency? The three things in your home that can be looked into are your heating system, hot

Medical Bills - If you have an unpaid medical bill it will not go on your credit report unless the hospital or doctor that

Develope a Budget - When you start to develop your budget, make sure that it is one that is livable for you.  You should

 

For many consumers facing financial hardship, debt consolidation offers the best and most effective solution. Be aware, utilizing only debt consolidation for reduced rates, interest and payments only solves part of the problem. By uniting a good debt consolidation program with solid financial responsibility education provides you with a total solution. The Kimberly Credit program has merit and value by providing the following:

1. In addition to providing our clients with an excellent repayment program, all Counselors are properly certified, qualified, and trained in the area of debt consolidation.
2. At Kimberly Credit, we make it a point to provide on-going, quality Financial Responsibility Education.
3. At Kimberly Credit, we realize that It's easy to be excited in the very beginning when one starts a debt consolidation program, but it's important to know that continuous motivation and encouragement from beginning to end is only a telephone call away.
4. Kimberly Credit is dedicated to quality assurance.
5. With over a decade in experience, you can rest assured our longevity within the debt consolidation industry will remain steady and rock solid.
6. Kimberly Credit prides itself in their superior client communication and interaction via Internet, telephone and monthly newsletters.
7. Kimberly Credit takes pride in our professionalism and responds expediently to all clients in a courteous and prompt manner.

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