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Articles

Accel’s extensive article library provides pertinent information on personal financial topics such as consumer awareness, credit reports, credit rights, credit scoring, financial difficulty, housing, kids and money, money management, retirement and more. Articles can be browsed by topic.

Please take the time to browse our comprehensive collection of financial educational materials.

401(k) Early Withdrawals and Loans
Although it is not generally recommended as a sound personal financial choice, early withdrawal or borrowing money from your 401(k) is sometimes the only choice you have.

Dealing with Creditors during a Financial Emergency
If you are one of the thousands of people undergoing your first financial emergency caused by death, divorce, unemployment, illness or some other reason, what to do with outstanding bills may be keeping you awake at night.

Disputing Information on Your Credit Report
Here is a sample letter you can use to dispute information on your credit report.

Do Your Homework before Heading to College
We all know how expensive college is. Are there ways to reduce the cost of a college education? There are many choices that impact college costs and when you do your research and communicate as a family, you will make wise and informed decisions.

Facing a Divorce
Divorce is an emotional separation that can greatly impact your financial situation. Many people are financially fit until faced with the economic consequences of marital separation. There are some steps you can take to minimize money problems during what is already a stressful time.

How to Establish Credit
Many people ask how they can establish or re-establish their credit history. This is an important question because credit records are essential to obtain credit. The information in your credit report is used by potential creditors to determine if you are a good risk.

Identity Crisis...What to Do If Your Identity is Stolen
When someone uses your name, Social Security number (SSN), credit card number, or some other piece of your personal information for his or her use without your knowledge, it's a crime.

Is Refinancing Right For You?
When you are considering refinancing, the first question to ask is why am I doing this?

Looking for the Best Mortgage?
Shopping around for a home loan or mortgage will help you to get the best financing deal.

Love and Money Can Go Together
Money has always found its way to the top of the list of disagreements between couples. Because two people may have entirely different styles of financial management, the vows to have and to hold, for better or for worse, for richer or for poorer, may not hold up when money is co-mingled.

Making the Investment Choice
There are a wide variety of investment vehicles available to the individual investor.

Money Matters for Kids
It makes sense that money management skills should be an important part of a child’s education, but this is one area where you cannot count on school to do the job for you.

Money Saving Tips

Payday Loans = Costly Cash
Payday loans are a quick answer to a need for quick cash. But, they come with a very high price to the consumer.

Reducing Debt
If your goal is to reduce your debt load, here are some helpful hints to plan your strategy.

Reducing Expenses to Achieve Your Goals
Achieving your financial goals sometimes requires you to make adjustments to your family budget. And quite often it is the expense side of the budget that can generate the biggest results in the shortest period of time.

Seven Steps to a Successful Budget
Budgeting can be a simple and straightforward process. It can also be a rewarding experience for all family members. But, it takes interest and commitment.

Teaching Children to Manage Money
Money management skills are not something children will automatically have once they become adults.

Ten Rules for Successful Money Management
Always remember that the most important factor in using money wisely is not how much money you make…but how you use it! Here are 10 rules that can help you achieve financial success.

Tough Times Letter to Creditors
If you are having financial difficulty and need a change to payment terms, use this letter to communicate with creditors.

What is my Credit Score?
We've all heard so much in recent years about “credit scores.” But, what are they and how are they used?