Paying off your debt can be one of the most rewarding and experiences and bring a feeling of relief. Often times if you have multiple sources of debt, there is one that bothers you more than the others do even if the payoff amount or interest not as high.

According to CreditCards.com not all debts carry the same psychological weight on people. Debt amounts that are linked with negative events such as divorce, fraud or medical can often times bring stress to a person. Even as this might bring emotional relief, it can be financially more beneficial to pay off the higher interest rate first.

Emotional attachment to debt does not always equal importance of repayment order. Looking at all of your debt amounts and weighing the cost of the interest and long term effects on your credit is a smart way to determine what should be priority in paying down first.

Debt settlement and debt consolidation are both options for consumers looking for debt relief options. Through Internet generation and live transfers LeadPile helps consumers in need of help find companies that are able to offer assistance in consolidating or lowering debt.

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Leadpile is excited to announce some great new offers we have for the Leadpile publishers to drive traffic to. If you are someone who has SEO, PPC or email traffic, we want to talk to you about some great new offers.

Bankruptcy:
Great new offer that we are looking for some direct traffic to.
bankruptcyprograms.com is the great new offer we have a text link or even banners available to generate the leads. This offer is consumers that are looking for more information about potentially filing bankruptcy.

Online education:
Another great new offer we are looking for traffic on. This offer is consumers that are looking at going back to school.
Educationplans.com is the offer we currently have available to our publishers through iframe form, banners or direct traffic to the offer.

Pre paid credit cards:
Consumers are always looking for a way to help them re-establish their credit. Leadpile has two great new credit card offers we are looking to generate leads for.

Account Now-
Great pre paid Visa for consumers looking to start establishing their credit again.

Greendot-
Great pre paid offer for consumers looking for a pre paid credit card.

If these offers are something you are interested in working with us on, please contact us to discuss further!

Are you managing and in control of your credit? Checking your credit report is the first step in the right direction and helps you understand your credit history and current standing – it is also a good idea to watch and make sure nothing out of the ordinary pops up that you were not aware of.

According to Adam Levin, the chairman and co-founder of Credit.com there are five ways for better managing your credit:

1. Only use a fraction of your available credit
2. Use online banking tools to keep a close eye on your accounts
3. Open credit card mail and read the fine details
4. Manage your credit portfolio like an investment portfolio
5. Remember that credit seeps into every layer of your life

To read in detail about each of these tips:

http://www.msnbc.msn.com/id/36654400/ns/business-consumer_news/page/2/

To receive a free yearly credit report visit AnnualCreditReport.com.

LeadPile generates credit repair leads, matching consumers in need of help with companies who specialize in helping to repair poor credit.

Have you ever been confused on how to pull your credit report or you thought it was going to be free and it turned out to have fees associated with it? Well if so, you were not alone.

A new law being put into place this week will require all web sites listing or advertising “free reports” direct consumers to the government approved site www.annualcreditreport.com – all TV and radio ads must comply with this as well beginning September 1, 2010.

Everyone is entitled to 1 free copy of their credit report each year from each of the credit reporting agencies ( Equifax, Experian and TransUnion )… So with no cost involved you can receive 3 copies per year! If you have been a victim of identity fraud you are eligible to receive additional copies.

Banks, debt collectors, landlords or those with “valid” interest are the only ones who may pull your credit report. Prospective employers wanting to pull credit must obtain written consent prior to pulling a report. Credit reports sent to employers do not include a date of birth or name of spouses on joint account – this is to restrict discrimination based on age or marital status.

Your credit is your own responsibility to maintain and watch! Take advantage of pulling your 3 reports a year and be aware of you credit background.

Changes to fees and terms may be positive for many consumers struggling to pay their bills! New rules obtaining to overdraft protection requires consumers to specifically request it, rather than being automatically enrolled in it. According to the Credit CARD Act, should the consumer enroll for overdraft protection, fees can only be applied once during a billing cycle and the card company must notify the consumer of the amount. These new overdraft rules only apply to debit cards, not checks or electronic transfers.
Consumers now are given 21 days to send credit card payments in, rather than only 14, and if changes are made to terms, 45 days notice must be given instead of 15. This change does not apply to reducing your credit limit, the credit card company can do this at any time without any warning!
One new change might be scary for many consumers to see, but after the initial shock sets in, the overall perspective will hopefully ultimately help consumers in the long run. Effective starting February 22, credit card bills must make it clear how long it will take the consumers to pay off the balance, and how much interest will be paid if the minimum amount is all that is paid each month.
While there is no current cap placed on increasing interest rates, credit card companies are required to give customers 45 days notice on changes and may not raise the current interest rate on customers existing debt unless payment is more than 60 days late on payment. Additional help to consumers trying to pay off debt, additional fees for paying over the phone, electronic transfer, or mail are no longer allowed and universal default for existing credit card balances may no longer be practiced. The Credit CARD Act has now made is more difficult for college students to obtain credit cards, someone under 21 may not be offered a credit card without a co-signer or proof of proper income.
LeadPile matches consumers in debt with Debt Consolidation, Debt Settlement and Bankruptcy companies daily. Debt is a huge source of stress for many people, hopefully the new Credit CARD Act will help get people back on track and become more aware of their own debt, and make plans to get things paid off!

Leadpile is excited to roll out a brand new exclusive offer with Broadview Security. We are looking for publishers that can drive traffic to our offer-nationwidehomesafe.com. This offer helps to bring together those consumers that are looking to help keep their homes safe and secure. The typical consumer that this is great for a security system is someone that maybe just purchased a home, a family that has welcomed a new addition, or simply anyone that is looking for a great way to keep their things safe. If you are a publisher that is interested in working with Leadpile to help bring together consumers looking for a security system, reach out to us and get started NOW!

How many consumers out there have a problem obtaining a credit card because their credit has been destroyed? The answer is there are a lot of people in this situation unfortunately, and we are trying to get those consumers connected with the proper company that can help them get on the road to improving their credit. Leadpile is proud to have partnered up with New Millennium Bank to help them with these consumers looking for a secured credit card. We are looking for publishers that can help us generate these leads for the New Millennium secured credit card offer. If you are a publisher and interested in driving traffic to this offer, we want to talk to you!

October brought a change for the housing market that has not been seen in over 2 ½ years. Low mortgage rates and falling prices boosted home sales to the highest level they have seen in a very long time!
According to Yahoo homes sales are now nearly 37 percent above their bottom in January, even though they are still 16 percent below their peak in 2005. Analysts said gains mainly reflected the homebuyer tax credit, which has been due to expire on November 30 but has recently been extended until spring. Valid until April 30, 2010 the tax credit of up to $8,000 for first time owners, and $6,500 for people who have owned their current homes for at least five years.
Although the current low pricing is boosting sales, the overall economy is likely to benefit from slightly higher home sales.

We all know that there are great deals to be had in automotive market right now. Many car dealers are willing to cut their prices and haggle much more than in the past. So buying a new car as a steal should be simple, right? Car dealers may be willing to work with you on price, but when it comes to giving you a loan, not so much.
Unless you are very money savvy or have a great job, buying a car with cash is not always possible. This day in age it is very common for the majority of people to take out a car loan and finance their car. With the market how it is, getting a car loan can be easier said than done. Its not that lenders do not want to give out loans, they are just being much more picky on who they will approve. Also, interest rates are very high at the moment and your credit can make a difference on if you are approved and what interest rate you receive. According to U.S.News, when trying to finance or get a loan for your new car there are a few key facts you should know.
1. Basics of Car Loans – know that you will have to pay an interest rate which includes principal and interest.
2. Car Loan Term – This is the amount of time that you have agreed on to pay the lender back. The car is not yours until you pay back the WHOLE loan and interest.
3. Credit Score – As stated above, interest rate is normally based on an individuals credit score. Usually, the lower the credit score the higher the interest rate.
4. Apply Several Times – Consumers normally apply to several different companies to get their loans. This will give you a better chance to get a loan that suits your exact needs.
At the end of the day it is by no means impossible to get a auto finance loans. LeadPile is also here to help. We match up consumers and lenders who meet each others needs. Hopefully, this helped you realize that with the right knowledge and steps, buying a new car with great financing is not as far out of reach as you may think.

With everything that has happened in the financial market in the last few years, many question if the responsibility falls on the consumer or the lenders (or both)? Is the responsibility of the lender to make sure the customer 100% know what they are signing, or it is the responsibility of the customer to ask questions if they do understand what they are signing? There are advocates on both sides, however the government now feels it needs to step in. NPR is reporting that Congress has drafted legislation that would allow the government to oversee all consumer financial products such as credit cards, mortgage loans and payday loans. This measure would prevent consumers from getting any sort of “loan” that they did not fully understand what they were signing. I am not quit sure how something like this can be regulated, but the government wants to step in and try to protect consumers in these sorts of situations. Many legislatures feel that the past behavior of our banks was that they would shop around till they found a lender that would take on their “unique” client situation. Unfortunately, what this caused was those “unique” consumers to then fall behind on their mortgages because they really can’t afford that mortgage.
No matter what, if you agree with government intervention in our financial market or not, the bottom line is our country needs something to change. The right answer is not always that easy to figure out, however one thing I do know is that to change our financial market there needs to be a combination of many people/groups that need to come together to protect customers…and sometimes protect the lenders (the good ones).

Phoenix June 30th, 2009 — LeadPile, The World’s Largest Online Exclusive Lead Exchange announced today record results for its MicroClick Form (http://www.microclick.com) in June, 2009. LeadPile reports a record number of Lead Verticals being served by its MicroClick Form with Lead Sellers producing leads in 61 different verticals in the month of June. This makes the LeadPile MicroClick Form the most widely used Multi Vertical Lead Generation Form in the lead Marketplace and Lead Exchange Industry.

LeadPile’s Centralized Online Exclusive Lead Marketplace supports thousands of affiliates that use the exchange to sell to suitable lead buyers. By using the LeadPile MicroClick Form, Affiliates can focus on driving traffic to their pages and not on managing lead buyer relationships. Over 90% of LeadPile’s active affiliates are currently using the MicroClick form, offloading the responsibility for lead collection, management, technology infrastructure, and quality control to LeadPile.

Astoundingly, LeadPile’s MicroClick form has been used to produce leads as diversified as Tax Debt Relief, Home Improvements, Business Loans, Health Insurance, Equipment Leasing, Credit Card Processing, Cash For Gold and more.

Andrew Jacob, CEO of LeadPile says, “The LeadPile MicroClick Form allows us to handle leads across multiple verticals, including payday, starter credit, debt consolidation, credit repair, bankruptcy, auto financing, and homeowner. While the majority of leads currently being exchanged in the  Marketplace are in the Financial sector, the fact that Lead Sellers are using the MicroClick form to produce leads in over 60 verticals is very rewarding for our team.

Jacob adds, “I would like to personally thank our existing Lead Buyers and Leads Sellers for their business, and it is our promise to everything we possible can to help them in their efforts by continuing to provide the type of technology infrastructure and transparency that they have come to both expect, and deserve, from LeadPile.

To read more, please visit http://www.LeadPile.com/

To my surprise Visa Inc is reporting that US consumers are using their debit cards more than their credit cards. I find this surprising because it seems for years and years consumers have been using more and more credit cards, and getting more and more in debt. The debit card however is a new facet of spending in the fact that it utilizes money you have, not money you don’t have. However, any time you purchase something online you are advised to use your credit card because of the fraud protection policy. Does this mean the fraud policy is not the same on your debt card as the credit card? It seems not, but why is that? NPR.org goes on to point out that these two cards are very different if the cards are stolen. Why would laws be so different for something very much used in a similar fashion? In reality, credit cards are worse to use for the consumer, so why is there more protection to the consumer? Credit cards cause more long term damage such as having to then look to consolidate or settle debts, or even file bankruptcy. Maybe the banks should look at becoming more uniform with what the credit card companies are doing to protect their clients….
Then again, do the banks make any money on debit card purchases… they certainly do with the credit card purchases.