Credit Pilgrim

Navigate Your Credit Successfully

Neal Frankle
I’m Neal Frankle, Certified Financial Planner™. Credit problems are a serious business. In fact they changed my entire family life when I was 16. This site is here to help you repair your credit without getting ripped off. Read my story.
  • Credit Repair
    • Credit Repair And How To Fix My Credit Efficiently
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    • Credit Cards for Bad Credit List and Best Practices
    • Secured Credit Cards to Rebuild Credit
    • Credit Cards that Offer Free Credit Scores Monthly
  • Student Loans
    • Private Student Loans Guide
    • Refinance Student Loans Guide
    • Federal vs. Private Student Loans Guide
  • Mortgage
    • First-time Homebuyers Mortgage Guide
  • Blog

Debt and credit are strongly related. There is a very high correlation between people that are troubled with debt to also have a low credit score and other credit related challenges.

Debt Negotiation Is Likely To Have Negative Consequences On Your Finances

by Neal Frankle, CFP®

There are several ways for you to deal with your debt and credit problems, including debt negotiation, debt settlement, and bankruptcy. In this article, I want to focus on debt negotiation, since it is probably the least understood of the three. Debt negotiation is your effort to get a creditor to agree to lesser terms […]

When Bankruptcy Is the Best Solution For Credit and Debt Problems

by Neal Frankle, CFP®

The very word “bankruptcy” is intimidating. Just the mention of the word conjures up visions of living on the street and being penniless, and even of not having a future. That’s more than a bit of an exaggeration of course. But there are serious consequences involved in bankruptcy filing that you should take very seriously […]

What to Do if Your Income Isn’t Covering Your Expenses

by Neal Frankle, CFP®

Do you find it difficult to make ends meet each month? Do you shake with worry when some unexpected major expense pops its ugly head? If so, you’re not alone. An unsettling report came out back in 2011 that indicated that 64% of American households don’t have as much as $1,000 to handle an emergency. […]

How To Deal With Mean Debt Collectors

by Neal Frankle, CFP®

I remember when I was about 14 years old. There was a period of several months when my parents told me NOT to answer the phone under any circumstances. I thought it was strange at the time of course but as a good little Pilgrim, I listened. It didn’t take long to figure out what […]

How Rich People Get Into Debt And How To Avoid It

by Neal Frankle, CFP®

This may be difficult for you to believe but over the course of my 30 year career as a financial advisor, I’ve seen plenty of rich people who suffer from ruinous spending. This can often create large accumulated debts which many find unable to pay. As a result, many wealthy folks find themselves broke and […]

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