Debt Consolidation
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Can Debt Negotiation Ruin Your Credit?
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Should I Tear Apart My $300 Limit Credit Card - The Worst Credit Card Ever?
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Risks of Debt Consolidation, Types of Debt Consolidation Loans, Pros & Cons
2 Ways to Achieve Debt Elimination - Debt Snowball Elimination Method
Payday Loan Debt - No Sign of It Disappearing!
6 Payday Loan Debts Owe
Borrow a Loan to Pay Off Payday Loan?
Debt Collection Agencies in Ohio
My husband was out of his job and Payday Loans were rolling over

Consumer Debt Bulletin & News

American Consumer Debt Worsens as Consumers Heavily Rely on Credit Cards

Debt Consolidation Facts

1. If you spend more than 50% of your credit limit every month, this indicates to the Credit Bureau that you do NOT have enough cash on hand to meet your monthly expenses. This will term you as a high credit risk and will actually reduce your credit score by 60 - 70 points overnight (Fair Isaac).

2. If you miss 1 or 2 payments on your credit card debt, the issuing company will skyrocket your interest rate to a whopping 27% - 30%!

3. Out of a random sample of 3 million American consumers (included in Experian's National Score Index), 51% of them have atleast 2 credit cards and 14% of them have 10 or more credit cards.

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3DebtConsolidation.com
Privacy Policy Highlights



Last Updated on April 3, 2008

3DebtConsolidation.com wants to make our privacy practices clear and easy to understand. 3DebtConsolidation.com only works with certified nationwide non-profit debt consolidation companies.

Information We Gather

The information we gather falls into two categories: 1) personal information you voluntarily supply when you fill out a debt consolidation lead form or through a toll free phone number and 2) tracking information collected as you navigate through our site.

Use of Information

  • If you have filled out a form online to our site, 3DebtConsolidation.com will not sell, rent, swap or authorize any third party to use your e-mail address without your permission. This also applies to any information that personally identifies you, except as noted immediately below.
  • We contract with other companies to provide services on our behalf, including debt consolidation, debt settlement and loans.
  • Any information you disclose when posting to a message board, along with your message board screen name or ID, becomes public and may be used by 3DebtConsolidation.com for online and offline promotional or commercial uses in any and all media.

Your Privacy Choices

If, at any time, you prefer not to receive e-mail marketing information from us, simply follow the unsubscribe options at the bottom of each e-mail. If, at any time, you prefer not to receive traditional mail or telephone solicitations originated by 3DebtConsolidation.com Home Delivery Department and its third party affiliates, you may choose to opt-out.

Important Information

We reserve the right to update our Privacy Policy. Our Privacy Policy may be amended from time to time. Any such changes will be posted on this page. If we make a significant or material change in the way we use your personal information, the change will be posted thirty (30) days prior to taking effect. We employ measures designed to protect the security of your personal identifying information.

COPPA Compliance

3DebtConsolidation.com does not knowingly collect or store any personal information, even in aggregate, about children under the age of 13.

How To Contact Us

For any questions or comments regarding our information or security practices, you may contact us by e-mail at (feedback[at]3DebtConsolidation[dot]com).