About Personal Finance Reviews

I created this personal finance reviews site after researching many of the available personal finance services and information resources that are available online.

What I found was that the Internet can provide some good resources to help you manage your money, but there are also a large amount of scam sites and services that are just out to get hold of your money. The trouble with the Internet is that it is so easy to put up a website and claim that you are in the financial services industry; so I try to keep clear of most of these websites by first researching them.

The more I researched the options for financial services, the more companies I found that promise to help you with your debt, credit, or loans problems – but at a price. Knowing that people have financial problems seems to make these companies even greedier for taking the little money that you may have – I think that is sick!

So, I want to help you find the best options for your financial problems by steering you clear of most of these unscrupulous companies and offering you cheaper solutions. Some of the companies that charge ridiculous fees for something that you can either do yourself or do without in most cases include: payday loans, debt consolidation, debt settlement, debt reduction, debt negotiation, credit repair services, credit report services, and loan modification services.

So, with this in mind, I have reviewed several guide books that teach you to do many things yourself instead of paying large sums of money to a financial company. There is one service company that I review because it is the only one that provides a genuine service that would be difficult to do yourself; identity theft protection service.

Apart from the personal finance reviews, you will find articles on each of the major personal finance topics. It is important to understand the different topics of personal finance subjects. You will then be in a better position to plan and manage your personal finances yourself. You can also visit our blog called Planning Personal Finance where you will find many more articles, questions and answers, videos, and personal finance software reviews.

Personal Credit

Learn all about how you can clean up your credit report and improve your credit score. Read articles with credit repair tips and strategies, credit report facts, what your credit score means, and the laws that govern the credit reporting industry. Do not fall for credit repair services or credit report services – the free credit report offers are all scams so watch out for them.

I would like to point out that you do NOT need to pay any company to get your free credit report because the 3 credit reporting agencies (Equifax, Experian, and TransUnion ) have setup an official website at www.annualcreditreport.com. You can order your free credit report once a year from each of the agencies. They also have a toll free number, 1-877-322-8228, and a mailing address, Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can get more information from the FTC’s website at www.ftc.gov/freereports.

Personal Debt

If you are over your head in debt and worried about having to file for bankruptcy, then this is the section for you. It has been said that if you have no debts then you are rich - even if you don’t have much money. Find out how to get out of debt fast without using debt consolidation companies or paying a lot of money to debt companies that offer services like debt settlement, debt reduction, or debt negotiation.

Identity Theft

Identity theft is the fastest growing crime in the US with an identity stolen nearly every 2 seconds. Identity thieves gain access to your personal information such as your Social Security number, credit card number, name, and address. They then use your good name for their own financial gains and can empty your bank accounts and commit fraud in your name. You need to protect yourself and your family by stopping identity theft before it happens.

Personal Loans

I have decided not to get into all the personal loans that are offered online. One thing I will say is that I would steer clear of the payday loans companies. Some are indeed legitimate businesses but I do not recommend them as nearly everyone that takes out a payday loan gets into an even bigger spiralling debt problem because of the huge interest rates charged.

On the other hand, home loan modifications are very useful and can save you money on your mortgage. Again, before paying large sums of money to a loan modification service, you can read a review of a downloadable kit that will teach you how to do loan modification yourself.

Personal Tax

I will not get into the many types of personal finance software or tax software here; I have another finances site that deals with that at Finance Personal Software. But, I did find a useful guide book if you have tax debts and you don’t know what to do about it. So, check out the Tax Debt Reduction Guide Review in the menu.

So, no matter what personal finance help you need - credit repair / clean credit, how to get out of debt, debt reduction, loan modification, or how to protect your identity from theft - I hope my personal finance reviews and articles will help you make the right decision so that you don’t fall for one of the many scam sites.

Compensation Disclosure: This site receives compensation for referred sales of some or all mentioned products