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Periodically, articles will be posted here on personal financial health and credit related topics, written by a CreditPage® Sponsors and others. You are also invited to submit a credit related or "viewpoint" article. All submissions will be reviewed by our staff for appropriate subject matter. There is no guarantee that your article will be posted. And of course, there is no renumeration for posted articles. You can email your submission to: Forum@CreditPage.org

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CreditPage® can help you become a smarter borrower and improve your financial picture...

By: Durant Abernethy
President & CEO
National Foundation for Consumer Credit


Why did you seek out this Web site? Are you concerned about your credit rating? Worried that you are too deep in debt or headed toward bankruptcy? Looking for trustworthy information, help to assess your situation or an action plan to get back on your feet financially? You are not alone. CREDITPAGE® was created to help you and millions of others take control of your financial lives.

Financial difficulties are incredibly common in our society. Thirty-five percent of American households live from paycheck-to-paycheck, according to a recent Gallup survey. Approximately 10 percent of households filed bankruptcy during the 1990s and another 10 percent sought outside assistance from credit and debt counselors.

In fact, an estimated 2 million households will seek credit and debt counseling assistance this year alone. Their average monthly debt payments, excluding housing costs, will equal 77 percent of their gross income. The average person seeking help will owe $23,703 to more than 10 creditors. Furthermore, 86 percent will be insolvent.

These statistics mirror the economic picture of Americans at large. Record stock prices and employment levels haven't slowed key problem indices.

  • 1,337,4085 people filed for personal bankruptcy between May 1998 and May 1999
  • 200,453 people received telephone or mail counseling from National Foundation for Consumer Credit (NFCC) member offices in 1998 - a 151 percent increase over 1997
  • the negative .6 percent savings rate reported during the first quarter of 1999 was the lowest since the Commerce Department started tracking quarterly figures in 1946
  • Americans owed $1.3 trillion of unsecured consumer debt as of April 1999
  • 2.38 percent of unsecured accounts were delinquent during the first quarter of 1999
  • Consumers had $514 billion of revolving debt in April 1999
  • 60 percent of families did not have a work sponsored retirement plan as of 1995

Closer to home, the answers to the following questions will give you a good idea of where you personally stand money wise. Are you borrowing to make credit payments? Are you struggling to make the minimum payments on your credit cards? Are you late on your credit payments? Are telephone calls from bill collectors increasing? Are there arguments in your household over debt? If you answered yes to several of these questions, you came to the right place.

It's time to navigate CREDITPAGE®!

CREDITPAGE® gives you the tools, tests and tips to take control of your finances. This Web site is your portal to financial peace of mind. This site does not attempt to sell you anything. Furthermore, your identity will not be captured for mailing lists or solicitation purposes. CREDITPAGE® exists solely to offer you the information you need to regain control of your finances.

What is CREDITPAGE®? CREDITPAGE® is a Web site devoted to making you a smarter borrower and to help you improve your financial picture. It is divided into several informative sections.

  • Credit Reports: Order and immediately receive a copy of your current credit reports on-line.
  • Credit Alert Test: Check your financial health and learn if a potential debt crisis looms.
  • Q & A: Gain insights from credit counseling experts to assist in analyzing your financial situation. Get helpful tips to improve your finances and avoid a money meltdown.
  • Credit Counseling Counselor Directory: Surf credit and debt counseling sites that can help you improve your money management skills, assess your debt situation and develop a plan to gain control of your finances. Many of these services offer assistance on-line, via telephone and in person.

With all these resources at your fingertips, now is the time to get your finances in order, start saving for that retirement and address whatever financial needs you might have. CREDITPAGE® is here 24 hours a day, 7 days a week with all the tools necessary to brighten your financial picture.

For more resources or to schedule a confidential credit counseling session at the NFCC member office nearest you, call 1-800-388-2227.

The National Foundation for Consumer Credit is the nation's oldest and largest non-profit organization providing education and counseling services on budgeting and credit. NFCC members, located in 1,440 offices across the United States, Puerto Rico and Canada, can be identified by the NFCC member seal. This seal signifies standards that include agency accreditation, counselor certification and policies that ensure confidential services that are free or low-cost.

To contact the NFCC office nearest you, call toll-free from a touch-tone phone 1-800-388-2227 or visit the NFCC web site at www.nfcc.org