Four Steps To Good Credit

As a consumer you've learned the importance of establishing
a good credit rating with your lenders. Whether you are
shopping for a new home or auto, or searching for the best
deals on insurance, your credit worthiness will be judged
by your credit rating or credit score.

A bad credit history or bad credit habits will place "black
marks" on your credit profile. These include things such as
late payments, having an account assigned to a collection
agency, and of course bankruptcy.

Establishing good credit habits and therefore a good credit
rating will improve your credit worthiness. This will be
reflected in potential lenders offering you substantially
lower interest rates and better deals on credit offers.

Here are 4 tips to help you create a shining credit profile:

1) Pay Your Bills On Time

Lenders only have your past payment history on which to
decide the type of credit risk you present to them. How you
pay off your debts now indicates to them how you will pay
off future debts.

2) Don't Carry Too Many or Too Few Credit Cards

How much is too much ? How little is too little ? Many
credit experts and financial planners suggest two to four
credit cards is just the right mix.

3) Pay At Least The Minimum Due

Always pay at least the minimum due payment, but never
less. And remember, just paying the minimum payment means
it will take you years and years to pay off that credit
card.

Example: Paying off a $2,000 credit payment at 18% APR with
a minimum monthly payment of 2% ($40 dollars or less) will
take you 30 years to pay off the amount plus interest.

4) Review Your Credit Report Regularly

Monitor your credit report from all three major credit
bureaus - Experian, TransUnion, and Equifax - on a regular
basis. Check your credit profile at least annually. Review
it carefully and make sure that any past mistakes or
disputes have been corrected.

Also, if you notice an account listed that you know that
you have not personally opened, contact that creditor and
the credit bureaus immediately. This could be a sign that
you've had your identity stolen. Request to have a fraud
alert placed on your profile and account to protect
yourself and your credit. Identity theft is the fastest
growing consumer crime in America, with an estimated 1
million people victimized each year.

Establish good credit habits early in life and reap the
benefits that your good credit rating will provide you for
the rest of your financial future.

----------------------------------------------------
The "CREDIT SECRETS BIBLE" has been in print since 1994 and
is published by Consumer Publishing Group. For more
information on establishing and keeping good credit using
"CREDIT SECRETS BIBLE" please visit:
http://www.credit-secrets-bible.net

Trading Signals: Do You Need Them?

In forex trading, many of the transactions you perform are
dependent on market trends and how the market behaves.
This is why in order to survive and make use of your
presence in the forex trading market, trading signals are
exchanged. These signals help investors, traders and
brokers to observe the market, assess its performance and
make sound decisions.

What are forex trading signals?

Forex trading signals are tips and recommendations about
whether to buy or sell or liquidate given by a third party.
This party could be your broker, trader, analyst,
brokerage company, etc. The signal can be a single
indicator or a group of indicators, including breakouts,
envelope patterns, stochastic lines, Fibonacci levels,
oscillators, currency pairs that are almost at moving
averages and support and resistance levels, among others.
Forex trading signals can vary depending on the source and
they also follow certain market patterns and trends,
depending on the demand and supply of the world's major
currencies.

Since there are many indicators to watch out for, it is
important for many investors to rely on more experienced
forex brokers for reliable trading signals. Of course, the
more seasoned investors can always try to get a feel of the
market by themselves just by watching the trends, but there
are so many indicators that it's sometimes a lot easier to
rely on trading signal services. Besides, trading signal
providers have to perform detailed study of the markets and
make technical analyses of whatever operating forces come
into play, something that many investors don't have the
time for.

Where are trading signals derived from?

The currency chart is one of the sources for technical
studies and market analysis that lead to trading signals.
They include:

Simple Moving Average (SMA) – when the moving average line
is surpassed by currency prices, this is a buy signal. If
the price goes below the average line, it's a sell signal.

Moving Average Convergence Divergence (MACD) – uses a
single line to indicate a buy or sell signal, depending on
whether the line is above or below the average line.

Bollinger Bands – these point to possible market changes.
When Bollinger bands tighten, you can expect prices to
change sharply.

Volume – a high volume may signal a new trend. A low
volume means uncertain times ahead for investors.

There are other indicators such as momentum and volatility
that are often used to help reinforce trading signals
obtained from many other sources. If you study them in
relation to one another, you'll have a pretty much reliable
information source on the behavior of the market.

What kind of currencies is being offered by trading signal
services? Most forex signal services offer trading signals
on USD/JPY, EUR/USD, USD/CHF and GBP/USD. However, there
are also services that provide specialization in other
minor currency pairs.

Is the service for free?

Companies who offer this service charge a small fee, often
as a monthly or annual subscription. Sometimes, it may be
included as part of your subscription to a Forex account.

I want to sign up for a trading signal service. Is there
something I should be wary of?

While there are legitimate businesses that offer this
service, expect to find plenty more that run a scam. Learn
the basics of how the forex trading system works and try to
understand how indicators are used to come up with trading
signals. By having a background on forex trading, you will
not be at the mercy of an unscrupulous broker.

If you'll be using a trading system, find out about their
track record. This will show you how successful or
unsuccessful their system is. If the system offers a
hypothetical record (what could have beens), don't trust
their figures. Always ask for the real record as this will
be a good indicator of their performance. It's also a
warning sign if the creator of the system does not use it
himself.

You should know about fees and charges well before hand and
when transactions with trading systems and signal services
have begun, there should be a clear indication of which
fees you have been charged.

In order to ensure trading signals are maximized, it's best
to ensure that you obtain trading signals on a daily basis.
Remember that the currency market can be quite volatile
and small changes can make big impacts on your investment.

Do you need forex trading signals?

It's not easy to learn the forex trading system and taking
everything about it to heart requires time and patience.
If you don't have both, it may be best for you to try to
rely on trading signals but make sure you work with a
reputable and reliable company. It's your money, after all.

----------------------------------------------------
Get ready to pick up what you need to know to learn forex
the way the biggest forex traders do. I try to help people
understand at http://www.forexlearnguard.com that to
succeed in any business you need something else as
knowledge that makes creating wealth much easier. Visit
http://www.forexlearnguard.com and enjoy our beware center.

Property Spain

Spain has witnessed bustling real estate activity and price
rises over the last couple of years. Property Spain has
gained great importance and popularity because of its
reputation as a favorite tourist hub. This has also led to
quick profits and tidy incomes for most investors. However
before you take the plunge there are some things you need
to know before investing.

5 essential things you must know

It may seem all hunky-dory to buy that dream home in Spain.
However before buying it is essential to understand what
will ease the process. Most property Spain has is along the
coastal regions where prices are very high. Therefore it
makes sense to invest wisely so you don't lose out in the
process.

Learn the language: If you're a foreigner wanting to invest
in property Spain, it is time you learnt Spanish. It will
help you negotiate prices better, realize if you're being
conned and above all, even from a long term perspective,
prepare you for settling down in Spain.

Know the health care facilities offered: Although property
Spain may be enticing, if you're from a developed country,
chances are you might find the health care facilities
offered in Spain a tad backward. Therefore, at least
initially you need to have the basic medical supplies at
hand so that you are prepared for any eventuality.

Schools and education: If you intend to permanently move to
Spain and invest in property Spain has to offer, consider
exploring the schools and educational facilities in your
destination. This will help you be better prepared when you
land there. It will also prepare your children for their
education.

Seek a real estate agent's help: You will find it much
easier to evaluate the best properties if you hire a real
estate agent. They will guide you better and get you the
best deals in the market.

NIE number: Did you know that before you can invest in any
property Spain you will need an NIE number? This is a
unique tax identification number that will enable you to
complete formalities of any property purchase. You can get
this number through a solicitor. The process of buying
property Spain

There are a series of stages to buying property in Spain.
After selecting the suitable property, you need to sign
what is known as a 'reservation agreement'. This is a
written agreement between you and the vendor and it clearly
lays down the roles, responsibilities, various clauses etc.
At this stage you will need to pay an upfront amount or
fee equaling one or two percentage of the value on the
property. After this the vendor will withdraw the property
from the market to disable any deals on it from other
buyers. Your solicitor will then perform 'land registry
checks'. This seeks to establish that the property Spain is
clear without any pending liabilities. After this a
contract is drawn up which is then signed by both concerned
parties. Then the title deed gets transferred in your name.

----------------------------------------------------
Steve Magill is the right source for more information on
the Spanish mortgage market. He is a partner in
http://www.buyspain.co.uk and a Fellow in the British
Association of Entrepreneurs (FBAE). He holds international
renown for having hands-on experience in this field.

Exxonmobil Credit Card Review

For frequent travelers the Exxonmobil Credit Card is an
absolute blessing as it takes care of all your travel
needs. With the Exxonmobil Credit Card you are spoilt for
choices as it offers you three kinds of cards, the
ExxonMobil Card, Exxon Preferred Card and the ExxonMobil
MasterCard.

The Exxonmobil Card is just like your basic retail gas
station credit card and offers no real incentives. Though
it definitely helps you pay for your gas bills whenever you
get your vehicle refilled during your journey. The
Exxonmobil Card is accepted at all the 16000 Exxon
locations all over U.S. and it also helps you in repairs
which turn out to be very beneficial. This facility
provided by the Exxonmobil Card diminishes and sometimes
almost eliminates the need of constant cash in your pocket
for things like refueling, enabling you to use the cash for
better purposes like shopping and reaching for better
amenities available.

The Exxon Preferred Card is preferred by many as suggested
by its name. The wonderful features offered by this card,
like giving you cash back on hotel bookings, new car
pricing, flight insurance, or gas purchased and the
remarkable flight insurance they give you works as the
icing on the cake. The Exxon Preferred Card also has a
provision to give you emergency cash up to $1000 as and
when the need be. With the Exxon Preferred Card you have
another benefit as they also have common carrier travel
protection insurance. The only drawback of this 'preferred'
card is its annual membership fee of $25.

The ExxonMobil MasterCard is the most beneficial among the
three cards offered by the Exxonmobil as it gives you 3%
cash back whenever you purchase gas in any of the
ExxonMobil outlets. If that isn't enough, it also gives you
a guaranteed 1% cash back on anything you purchase, thereby
synchronizing your savings with your spending. The
ExxonMobil MasterCard also has 0% APR on balance transfer
for 6months making it irresistible.

The Exxonmobil Credit Card comes free of any annual fee and
you can earn unlimited rewards. Though the rebates have to
be redeemed at a participating Exxon or Mobil station in
the U.S. within a time period of six months. All you need
is to have a good credit report to apply for the Exxonmobil
Credit Card. This card also provides you with a free
speedpass which you can use to pay for your refueling and
it is known to be better than a credit card.

With the Exxonmobil Credit Card you are the boss as you get
to decide the date of your payment, of course with their
help after you notify them about the date of your payment.
This card also enables you to access your account online
and also check your monthly statements even of the last six
months. Not only can you apply and pay online you can also
search for the Exxon gas station nearest to you instead of
going about from place to place in search of one. You are
at 0% fraud liability with the Exxonmobil Credit Card and
have the benefit of paying your bills at the pump.

----------------------------------------------------
This article was brought to you courtesy of Anthony Samuel,
the webmaster of http://www.apply-for-a-credit-card-now.com
. A credit card directory where you can search, compare and
apply for credit cards from leading credit card companies.

Grant Money - Is It Really Free?

It's true: The federal government hands out a great deal of
money each year. It is awarded primarily through various
types of grants. It is also true that a large percentage
of this money that is appropriated for federal grants goes
unawarded, because most people simply aren't aware of the
grant programs, or believe that only large corporations and
scientists doing research projects are eligible for the
programs.

So how can the average person gain access to government
grant money? First, be aware that receiving a federal
grant award requires some work on your part. You must be
able to complete a specific project of government interest
or perform some given task. In this way, federal grants
differ from entitlements and government benefits, where if
you have a need for the money and meet certain other
criteria you are eligible to receive an award.

One type of government grant is known as a project grant,
and as the name suggests, it requires the grantee to
complete some specific action or project. There are a
variety of project grants that are available for people or
organizations with the resources to complete the project.
If you accept a project grant award, you are obligated to
complete the project, and could face stiff legal penalties
for defaulting on the agreement.

There are some instances where the government provides
grant money with no strings attached. This type of grant
is known as "direct payments with unrestricted use." If
you are eligible you can receive the money and use it as
you choose. Just a few examples of this type of grant are:
unemployment insurance, grants for farmers and fishermen,
and railroad workers' compensation. There are hundreds of
these grants that are available to qualified parties, and
while the amounts of the awards vary, the money is granted
without obligation to repay it or complete any task.

Not all government grants are dispersed as a sum of cash;
many of them take the form of specific benefits or
assistance programs. For instance, the government may
provide low interest loans to people who would otherwise
not be able to obtain financing with a traditional lender.
FHA and VA mortgage programs, and federal student loan
programs fall into this category of government benefits.
The government guarantees lenders that they will be repaid,
and insures them against default.

While there are many federal grant programs, they are by no
means the only source of grant money. Thousands of private
foundations award money for a variety of reasons, and these
foundations are required to distribute at least five
percent of their assets each year in order to retain their
tax exempt status. Private foundation money is awarded to
people pursuing a college degree, learning a trade, or even
starting a business. States also disperse grant money to
its residents who are seeking employment, education, and
housing.

While tv infomercials may portray grant money as an instant
way to become wealthy, the truth is that not everyone can
obtain grant money, and those who do receive an award are
not going to become rich overnight. They are however,
correct in their assertion that millions of dollars of
government grant money go unawarded each year, and that you
may be eligible for some of the money for one reason or
another. You really have nothing to lose in doing some
research and finding out just how much.

----------------------------------------------------
Gregg Pennington writes articles on a number of topics
including government grants and student loan consolidation.
For information about finding grant money visit

http://www.onlinemoneysources.net/grant-money.html

Five Tips For Serious FSBOS

Sell it by Owner . . . Save Commission

Selling by owner is not difficult. These five tips well
help you become a successful "FSBO"
Once you decide to sell, think of the house as a property,
not your home; detach from the property.

1. Condition of The Property. Consider how the property
looks, buyers do.

Buyers look at properties to eliminate them. Inspect the
property as if you were a buyer:
Start outside; make a list of everything that needs repair.
You're eliminating discount items.
Begin at the roof and work your way down and around the
house. Then complete the same detailed inspection inside.

* What needs to be fixed? Buyers don't want repair work;
they would rather buy furniture than repair faucets.
* What needs to be painted?
* What needs to be hauled away?
* What yard work needs to be done?
* What could make rooms look larger?
Repair all items. The condition of a property determines
whether a buyer will buy and the price they will pay.

"You Don't Get a Second Chance to Make a First Impression."

2. Price it Right - Sell it Quick

Visit properties listed in MLS that are similar to yours;
buyers will see the same properties.
Price it just below a benchmark. If the property is in the
$200,000 range; ask $198,900.
Compare:
* Price - Look at properties listed within a few thousand
dollars of your price.
* Age - Look at properties no more than five years older or
newer.
* Square Footage - Look at properties no more than 500
square feet larger or smaller.
* Bedrooms - Compare three bedrooms with three bedrooms.
* Amenities - Compare added features.

People buy properties because of features. Ask yourself
these critical questions:
* What features caused you to buy this property?
* Do those same features exist today?
* Have they increased or decreased the desirability of the
property?

There are four reasons that people overprice:
1. Pride -a feeling that your property is the best.
2. Greed - fear of pricing the property too low and missing
out on a few dollars.
3. Ignorance - ignorance of the market. Arriving at a price
based on what you need rather than market value.
4. Competition - you have chosen to sell without a broker.
Comparable sales probably included a broker commission;
reduce your price by that amount.

What about improvements and upgrades?
The industry standard suggests you get back 40 cents on the
dollar.

Would You Buy Your Property Today --- In Its Present
Condition
At the Price You're Asking?

3. Get Free Help From Professionals:

* Brokers - Brokers are the best source of market
information. Most brokers will be provide you with a free
market evaluation.
* County Assessor - A recorded sale is the only data that
matters. Get prices for recent sales.
* Title companies - Ask for a property profile which
contains valuable information. The service is usually free.
* Lenders - Lenders will provide current loan information
and interest rates. They will give you a flyer with
financing plans. You can give this to the buyer.

4. Get Help From Fee services

* A fee appraisal - will provide an opinion of value. A new
loan will require an appraisal; if the value is not in
the property, no new loan can be approved. Appraisal
costs vary depending on the area, size of the property and
the degree of difficulty.
* A licensed home inspection - Most state laws require the
seller to provide the buyer with a property disclosure
statement, disclosing to the buyer any problems known to
the seller that effect the property. Hire a qualified home
inspector. They will provide you with a written report on
the property's condition and make corrective suggestions.
Do the inspection before you go on the market. Share the
report with the buyer. A third party opinion will
contribute to buyer confidence.
The inspector may discover problems not visible to you such
as plumbing, electrical, heating and cooling. Repairs
should be completed before you start marketing. Keep
receipts to show potential buyers.
If work is not completed, reduce the price to reflect
needed repairs.
The cost of home inspections vary.

5. Brokers Are Not the Enemy.

You can work with brokers and maintain control. You must
have buyers in order to sell. Brokers have buyers. 90% of
buyers work through brokers.

Are you willing to pay a broker for bringing you a buyer?
You can save thousands by negotiating with brokers. There
are brokers that will work with you. Find out who they are.

The minute the sign goes in the yard and the ad in the
paper, brokers will call. Count on it!

If you are willing to cooperate with brokers consider
holding a broker open house. Send invitations, advertise,
serve coffee and cookies. Ask brokers for an opinion of
value. You'll create interest and awareness when you offer
a coop fee.

Homes Sell Quickly That:
* Look great
* Are priced right
* Are easy to show
* Have flexible terms

Wrapping It Up. Let's review what you've learned:

* Jewelry, guns and valuables should be locked away out of
sight.
* Make showings relaxed.
* Don't push the buyer.
* Ask if they have questions.
* Let them know they're welcome to come back.
* A buyer who comes back is interested.
* Keep the property in showing condition
* Provide a guest book and two fact flyers:
1. A property information flyer.
2. A loan information flyer.

Good Luck Selling

----------------------------------------------------
Wee Dilts created the original for sale by owner flat fee
MLS program, authored the best selling "How to Sell Real
Estate by Owner" book, and has assisted FSBOS since 1983.
Colorado For Sale by Owners can register for MLS, purchase
her book, or download Free FSBO tips at
http://www.fsbofriend.com
Have an FSBO question? Send it to fsbofriend@msn.com

How To Find The Best Credit Card Deals Around

Finding the best credit card deals isn't always a walk in
the park. After all, it seems like every credit card
company on earth is insisting that they have the best deal
around. So how do you tell the really great offers from
those that aren't so great? Here are some things to look
for.

1. The Real APR

Don't let introductory rates fool you. The best credit card
deals offer great interest rates even after the
introductory APR has expired. With many credit card
companies offering fixed interest rates of less than 10
percent, taking out a card with a 0-percent APR that jumps
up to almost 20 percent after six months isn't wise.

2. Flexible Rewards

If you pay your balances in full each month, then you won't
really benefit from a low interest rate since you won't be
accruing interest anyway. That doesn't, however, mean that
you can't benefit from some of the best credit card deals
on the market. In your situation, a rewards card would
offer you a better deal.

When it comes to rewards cards, the best credit card deals
are the ones that offer generous rewards programs with
flexible redemption options. Gone are the days when you
could only redeem points at a specific time of year on
specific items. Nowadays the best credit card deals offer
cash back bonuses, flexible point redemption and sometimes
even double bonus and point opportunities.

3. No Annual Fee

Gone are the days when an annual fee was the norm. With so
much competition in the credit card market, don't even
think about paying an annual fee unless doing so provides
you with benefits equal to the cost of the card. The best
credit card deals don't require any annual fee at all while
providing the same perks associated with cards that
normally do charge a fee.

4. The Convenience Factor

The best credit card deals don't just offer low interest
rates or big rewards opportunities. The best credit card
deals also offer increased customer convenience. Apply for
cards that have online account access, electronic billing
and a grace period of at least 20 days.

With electronic billing and online account access, you'll
know the moment your statement is generated and the 20-day
grace period will ensure that you have ample time to pay
your bill before the due date rolls around.

While it's true that the massive number of credit card
offers out there can be overwhelming, finding the best
credit card deals doesn't have to be hard. It's just a
matter of knowing what to look for. Keep the above in
advice in mind and use it to determine where the best
credit card deals really are.

----------------------------------------------------
For more tips on the best credit cards, saving money and
avoiding getting taken, check out CreditCardTipsEtc.com, a
website that specializes in providing credit card tips,
advice and resources.
http://www.creditcardtipsetc.com/best_credit_cards/

Does credit history follow you upon relocation from the United States to Canada?

We recently received a very good question from a foreign
exchange student who is moving out of the country. He asked
if the credit established in the U.S follows a person, in
this case to Canada. Here is what we found through our
research.

SSN vs. SIN

In the United States, individuals are identified by their
social security number (SSN). There is no other person in
the United States with an identical SSN. In Canada, people
have social insurance numbers (SIN), which serves the same
purpose. Credit bureaus in Canada use the SIN to keep track
of individual's credit reports. Since the U.S and Canada
are two different countries, SSN's cannot be tracked in the
Canadian systems and SIN's cannot be tracked in the U.S
systems.

Credit Bureaus

In the United States, there are three major credit bureaus:
Experian, TransUnion and Equifax. These three bureaus
provide credit reports and scores for all individuals with
a social security number who have opened a line of credit
or a loan. Canada's credit bureaus follow the same
procedures.

In Canada, the three major credit bureaus are Equifax
Canada, TransUnion Canada and Northern Credit Bureaus,
Inc.. In several scenarios, people have found that the
United States TransUnion and the Canada TransUnion share
the same data in their systems. In result, there may be a
possibility of a Canadian financial institution pulling
your U.S credit history. This could be good for people with
positive credit and bad for those with not so good credit.
Equifax may do the same and share their data between
countries. We have found that Experian has no effect in
foreign credit because it only conducts reports on U.S
residents. The same applies for Northern Credit Bureaus and
its Canadian residents.

Credit Scores

As far as credit scores go, TransUnion Canada and Equifax
Canada have both implemented the FICO system from the
United States. The only difference being is credit scores
in Canada range between a score of 300 and 900. Scores in
the United States use a scale of 300-850.

Scores closer to 900 are a lower risk for the lenders,
which could mean a lower interest rate to the borrower. The
opposite can be said for scores closer to 300. These scores
would be a much higher risk for the lender and in result
would mean a higher interest rate for the borrower.

If I do not have an SIN and am a American citizen, how do I
apply for credit if I move to Canada?

Just like in the U.S, in Canada it is hard to obtain credit
without a credit history. You can walk inside a Canadian
bank and explain your situation to them. Some banks in
Canada will ask for some information from your U.S credit
report. This will enable them to make an easier and quicker
decision to issue credit. Some may offer you a secured
credit card which will help you build a credit history by
depositing a certain amount on a pre-paid credit card and
then make payments.

Also, as stated above, TransUnion may have the ability to
display U.S credit report information to Canadian financial
institutions because of shared data between TransUnion
Canada and the United States TransUnion.

What if I want to move to Canada for an extended period of
time and then move back to the United States?

If you are not planning on being a long term resident or
are not planning on buying a home, it may be best to stick
with United States based international credit cards. Credit
card companies with affiliates in the U.S and Canada would
work best. These cards will work in both countries but
will only report to the U.S credit bureaus.

Here is an excerpt from the U.S Department of State: "If
you will be abroad for an extended period, you may want to
arrange for the delivery of your mail. Some banks and
international credit card companies handle mail for
customers at their overseas branches. In addition, post
offices in many countries will hold mail for travelers
under their General Delivery (Poste Restante) services.
U.S. Embassies and Consulates do not handle private mail.
Check with the embassy of your destination country to see
if that will be possible there. A listing of foreign
embassies and consulates in the U.S. is available at

http://www.state.gov/s/cpr/rls/dpl/32122.htm. "

A safe bet is that if you owe on a debt in the U.S and move
out of the country, you will owe on that debt upon your
return, as it will be recorded on your credit report. Will
creditors try to collect from you in another country? Well
that is the golden question. The golden response is, they
may have a right to collect. Will that new country consider
your U.S credit history? It may.

Regardless of where you move, it is best to maintain a
positive credit history. If your new country of residence
chooses to look at your U.S credit history you want to make
sure it is clear of negative information. However, one
cannot assume that a positive U.S credit history will help
establish new credit in another country.

----------------------------------------------------
Debt Management Credit Counseling Corp. ("DMCC") is a
501c(3) not-for-profit charitable organization located in
Deerfield Beach, Florida. DMCC provides free financial
educational materials, brochures, seminars and a financial
literacy program titled Debt, Money & Credit Concepts ? to
consumers across the United States. DMCC also provides free
assistance to any consumer needing a solution to their
debt problems, including personal budgeting, debt repayment
plans, credit restoration, student loan consolidation and
mortgages. DMCC financial counselors can be reached by
calling 866-285-0994, emailing debthelp@dmcconline.org, or
by visiting http://www.dmcccorp.org .