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Author
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Title
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Scott Bilker
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10 Credit Myths
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As they say, "Knowledge is power." Many times people either act on false information or fail to act because they didn't know what could be .....
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Scott Bilker
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10 Reasons You Should Hate Your Credit Card Banks!
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Buying a house forces you into debt, going to college forces you into debt, buying a car forces you into debt, if you don't .....
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Scott Bilker
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10 Reasons To Love Your Credit Card Bank
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Call me an extremist. A few issues ago I wrote to you with "10 Reasons You Should Hate Your Credit Card Bank". In this issue I will point out the other side. Boy, .....
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Scott Bilker
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5 Ways To Avoid Holiday Debt
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Between Thanksgiving and Christmas people are going to spend $121.4 billion using their credit cards!
The key is not to let this debt stick, not to .....
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Scott Bilker
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7 Steps For Eliminating Your Debt
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Many people may say that shedding debt is common sense: "Pay for everything in cash and don't incur any .....
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Scott Bilker
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9 Steps To Get Organized For Financial Success!
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The beginning of my financial life was when I received my driver's license. Before that I rode my .....
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Scott Bilker
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Adjustable Mortgage
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Dear Scott,
Our credit isn't too good. My husband had open heart surgery about a year ago and lost three months of work. .....
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Scott Bilker
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Advanced Cash-Advance Techniques
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Dear Scott,
I recently read your article about buying a card with a card. I have a 0% interest card and plenty of balance so it .....
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Scott Bilker
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Annual Fees
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Scott,
Is it true that when you get a credit card offer that has a annual fee, it's not a good credit card' I have gotten some in the mail .....
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Scott Bilker
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Biweekly Mortgage May Be A Rip-off.
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Biweekly mortgages have been touted by many companies as being an excellent way to save money and pay off your mortgage earlier. Some companies .....
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Scott Bilker
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Buy A Car With A Cash Advance?
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Hi Scott,
Read your article Consider Financing Your Next Car with a Credit Card and as you asked I'm commenting on same. The logic of the 4.9% at 6 .....
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Scott Bilker
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Bankruptcy
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Scott,
How hard is it to buy a house after filing for chapter seven bankruptcy' How long will it take to get a house' What are some of the things I .....
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Scott Bilker
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Car Dealers
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Scott,
I know that you have used these examples to help people learn and to be aware but you have also just made every car dealer in the .....
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Scott Bilker
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Car Debt Or Credit Debt First?
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Scott,
First off great site, very informative.
I've already organized my debt with the highest interest debt to be .....
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Scott Bilker
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Chase Bank Tries To Pull A Fast One
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NOTE: The dialogue between Scott Bilker and the bank representatives is reprinted at the bottom of this .....
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Scott Bilker
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Collection Company After 23-Year-Old Debt
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Scott,
I received a letter telling me that I owed a debt of $535.73, but, "if I paid $214.00 immediately," they would cancel the debt. I cannot recall owing this .....
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Scott Bilker
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Consider Financing Your Next Car With A Credit Card
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Buy a car with a credit card! Sound crazy' Well, just hear me out on this one.
Before we get started there are a few words of caution that need mentioning. .....
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Scott Bilker
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Consolidating Credit Cards To One Account
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Hi Scott,
I am a recent college graduate and I have accumulated about $4,000.00 worth of debt spread out in 4 different credit card accounts. I would like to transfer all .....
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Scott Bilker
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Credit And Marriage
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Scott,
I was 36 when I married. I have excellent credit. However, the man I married went through a messy divorce and his credit is moderate at best. If I .....
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Scott Bilker
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Credit Card Balance Transfers
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Scott,
I would like to use a credit card introductory rate to pay off a bank loan. I will need to borrow .....
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Scott Bilker
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Credit Reports
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Scott,
I am paying off 7,500 dollars of debt soon.When should I ask for my credit reports'
--Andrea
Answer
Andrea,
If .....
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Scott Bilker
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Credit Surfing Saves You Money
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What is credit surfing' It's the continuous process of jumping from one low-rate credit card to another every time you have a chance. .....
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Scott Bilker
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Debt Negotiation
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Question
I need to know if this will really work. It makes me very nervous in not paying my bills so .....
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Scott Bilker
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Debt Reduction Vs. Mortgage Down Payment
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Dear Scott,
My husband and I are in debt for about 28k and have recently sold our home. We are looking to buy a .....
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Scott Bilker
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Divorce And Credit
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Dear Scott,
I am in the process of divorce and there are several credit cards and creditors that will need to be paid, but I have been advised by my attorney to .....
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Scott Bilker
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Don't Sell The Cattle!
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Scott,
I am a 53-year-old female with a husband that abuses credit cards. I have sold 2 houses and taken out an equity loan .....
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Scott Bilker
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Drowning In Debt
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Dear Scott,
I am drowning in debt. I am attempting to figure out a budget that is livable. WE have a daughter .....
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Scott Bilker
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Early Payoff
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Scott,
I would like to pay off my 80K-15 year, 7.74% mortgage in 8-10 years' How much per month or .....
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Scott Bilker
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Effects Of Debt On Obtaining A Mortgage
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Scott,
I was wondering about what sorts of ramifications my credit will have on my obtaining a mortgage in the future' Here .....
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Scott Bilker
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Equity Used For Down Payment
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Scott,
Here's my question. My husband and I want to buy a home being built in a new development. Our present home worth .....
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Scott Bilker
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Every Penny Counts
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It sure does-especially when you're paying back debt.
How many times have you walked out into the parking lot of a .....
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Scott Bilker
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Excerpt From Credit Card And Debt Management
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I want to begin this chapter with a personal story. My father asked me to help him pick out a new car. After visiting several new car dealers in the area we finally .....
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Scott Bilker
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Extending A Low Rate
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Scott,
In the past year I left a considerably higher paying job for which I was in six years, to take a less stressful and .....
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Scott Bilker
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Fighting An Increasing Rate
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Scott,
I had a card that had a fixed rate of 5% on my balance. I closed the account years ago when I started taking control of my debt. Since this was .....
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Scott Bilker
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Getting Better, Cheaper Credit--Right Now!
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Believe it or not, I know people that have revolving credit-card debt in amounts of $6,000 or more with .....
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Scott Bilker
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Getting Your Overpayment Refund
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Dear Scott,
I receive your newsletter and love it. Very helpful!
Recently I have taken out a debt .....
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Scott Bilker
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Giving Up Your Rights--Without Knowing It!
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If you have a Capital One credit card, then I highly recommend you read this entire article!
I just received a letter from Capital One .....
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Scott Bilker
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Helping Daughter With Debt
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Our daughter, who is 31 and single, has $15,000 in credit card debt that would we like to help her get out from under. This debt consists of .....
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Scott Bilker
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How Do You Want To Live?
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People always ask kids, "What do you want to do/be when you grow up'" I'm sure you remember the question well. A fireman, policeman, .....
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Scott Bilker
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How To Punish Your Credit-Card Bank
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Has your credit-card bank ever made you angry' I mean really infuriated to the point where you just want a .....
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Scott Bilker
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Life After Credit Counseling
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Scott,
I am currently going through credit counseling to erase a $4,000 debt on 3 cards.
I have recently returned to .....
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Scott Bilker
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Lower Rate Card
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Scott,
I saw you on a TV 8 program on Monday, February 26. You mentioned Capital One for a lower interest rate. I went right on the Internet and applied for a credit card .....
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Scott Bilker
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Lower The Interest Rate
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Hi Scott,
I saw you on CN8's Family Talk show today and tried to get through but with no success. My question concerns my personal involvement .....
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Scott Bilker
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Lower Your Credit-card APR Right Now!
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When was the last time you took a look at your credit card APR (Annual Percentage Rate)' You may think you know what .....
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Scott Bilker
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Make Payments For Son's Car
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Dear Scott,
My son purchased a car for $15,000 at a high rate of interest. He's been paying for 32 months and he .....
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Scott Bilker
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Make Them Compete
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Dear Scott,
How do you lower the interest rate charged to something more reasonable''' Along with this, how do you lower the monthly .....
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Scott Bilker
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Manipulating The System
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It's Friday night and the phone rings... you know the call, it's late, the last bite of my dinner being chewed, all you want .....
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Scott Bilker
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Many Questions...Many Answers
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I want to thank everyone who watched my interview CN8 in New Jersey, Pennsylvania, and Delaware on January 3rd, .....
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Scott Bilker
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My Family Vacation For $32 Per Person Per Day! Vacation In Cabins And Save Money!
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That's right, $32 per person per day is what it worked out to cost for our family's April 2002 .....
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Scott Bilker
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Negotiating A Payoff
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Scott,
I was told that I could call my older credit card banks, and "negotiate" a payoff of the account if I close the .....
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Scott Bilker
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One Day Late, Yeah Right!
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I knew it, I knew it, I knew it!
A couple years ago most credit card banks changed their policy of what "late" means to .....
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Scott Bilker
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ONLINE AUCTION CORNER: Pay Off Debt With Your Clutter
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You know all the stuff that's filling up your garage, attic, or shed' It's the same stuff that you want to sell at a .....
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Scott Bilker
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Paying Off A Loan With Credit Cards
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Scott,
I have a home eq. loan for 10 years at 8.50% for $26,000.00. Could I pay this down with credit cards using $500.00 a month payments'
--J.G.
Answer
J.G. .....
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Scott Bilker
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Payment Order Counts When Saving Money On Your Debt
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A big myth in credit card and loan repayment is to start with the smallest debt and work your way to the largest.
I have been asked repeatedly about this .....
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Scott Bilker
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Payment Order
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Scott,
I have 3 credit cards with a total debt of $25000. I am paying $950 a month (double the minimum amt due). .....
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Scott Bilker
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Providian Raised My APR To 29.99%
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Scott,
I was shocked to learn my Providian credit card raised my APR from 23.99 to 29.99. I've never missed a payment or been late. I called to find out .....
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Scott Bilker
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Rate Changes
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Scott,
I have two credit cards. One I stopped using since I made an arrangement with the bank to keep the rate at 9.99 until I pay off the balance of $3 .....
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Scott Bilker
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Reading The Fine Print In Those Low-Rate Credit Card Offers
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Taking advantage of low-rate offers is almost always a good idea. That's where the bulk of interest savings are found when you're managing your debt. However, there may .....
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Scott Bilker
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Refinancing Secrets Uncovered
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First off, to find out more about my loan analyzing services, simply send me an email with your phone number and the best time to call (click here to send email or call (609) .....
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Scott Bilker
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Saving For A Down Payment
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Scott,
How do you save money to buy a home when you are swamped with credit card bills that just seem to .....
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Scott Bilker
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Scott, You Have Too Many Credit Cards!
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Scott,
I read your article in which you state that you have 80 or so credit cards. I'm not sure why this is advantageous. I .....
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Scott Bilker
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Second Mortgage?
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Dear Scott,
We want to purchase a new truck in a few weeks and are undecided on how we wish to finance it. We have plenty of .....
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Scott Bilker
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So Far In Debt; Can't Seem To Breathe
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Scott,
Help please! I heard you on the radio and what you had to say made sense to me. I am so far in debt and can't seem to breathe. I have 6 credit cards .....
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Scott Bilker
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Transfer Credit Card Balances
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My husband and I filed for bankruptcy in 1995. Since then we have established good payment records with high interest credit card companies. I'm ready to drop .....
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Scott Bilker
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Tricky Insurance Pays Off
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Scott,
I found out after renewing a credit card that I had been paying for insurance that I wasn't aware of. This insurance .....
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Scott Bilker
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Unwanted Names On A Loan
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Dear Scott,
I am currently divorced and took possession of our home of which I am in the beginning stages of foreclosure. .....
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Scott Bilker
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What Is Better? Fewer Cards With Higher Balances, Or Many Cards With Smaller Balances?
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Scott,
My husband and I are preparing to buy a new home. We want to clean up our credit card accounts to better our chances for a mortgage. We were considering paying off .....
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Scott Bilker
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Which Credit Cards Look Better On Your Credit Report
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Scott,
Let me start off by saying I love this website! I have a couple of questions. I have been told that .....
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