Steps to Ensure Your Bad Credit does Not Cost You a Job

Do you have something in your financial past that you’d rather not have your boss see, such as bankruptcy, proclivity or bad credit from spending money that you don’t have? Unfortunately, that means that going after a promotion or seeking a new job can turn into a tricky task, especially as more and more employers seek to find out about their employees financial past. Many companies look at their job applicants’ credit score as part of their background check. Some may even look at credit reports when considering their employees for a promotion, which means you can’t just assume that…

   

What is a Parent Plus Loan?

Many parents decide to borrow money using a Parent PLUS loan in order to aid them in covering the cost of their child’s education that they’re not able to meet up front. If you’re thinking about this option then it is absolutely essential that you are well aware of all of the metrics of taking out this type of loan and what it means for your child’s education. Parent PLUS loans are a fixed-interest loan that is federally guaranteed to those parents who are credit-worthy and have dependent students. In most cases the loan will not appear on your award…

   

5 Reasons to Use Your Credit Card for Everything

Were you aware that many experts believe that you are actually better of utilizing a credit card, instead of a debit card in order to make every day purchases? Don’t be confused, it is extremely important that you only make purchases that you can afford to pay back right away, and that you’re able to pay off your credit card bill every month. However, as long as you ensure these things then using a credit card instead of a debit card or cash is recommended. Here are five reasons as to why you should choose your credit card in order…

   

Alternative Options to a Securing a Personal Cosigner

Perhaps you need a car loan in order to get to work, and although you know you’ll be able to make all the payments, you don’t have enough of an income or your credit score is too low in order to obtain one. Or perhaps you want to rent an apartment right out of college, but don’t have a steady income yet. A co-signer can solve any problem you have with getting a loan or lease. That being said, it’s reasonable that you don't want to compromise your loved one by asking him or her to co-sign. Otherwise, you may simply not…

   

Recognizing and Dealing with Sketchy Debt Collector Tactics

Every year there are thousands of people that are victimized by fraudulent collectors, and are intimidated by tactics that are extremely abusive so that they often end up paying the debt simply to stop the harassment of themselves, as well as their family, friends and employers. However, even if you fall behind on paying your bills you don’t have to subject yourself to foul play. State laws as well as the Fair Debt Collection Practices Act provides a very strict set of rules that bill collectors are required to follow. It’s critical to keep in mind that you have rights.…

   

5 Simple Self -Credit Repair Tips and Tricks

If you’re recovering from a foreclosure or bankruptcy or just don’t have that great of a credit score then the good news is that there are many things that you can do to increase your score so that you can get back on track financially. Although some of these strategies are intuitive, others many not come to mind so easily. Here are five of the best tips to increase your credit score all on your own.   Don’t Be Afraid to Dispute What’s On Your Credit Report Many people want to avoid any sort of conflict at all costs, while…

   

6 Ways Debt Can Be Used to Your Advantage

Debt gets a bad reputation due to the fact that it tends to cause plenty of financial troubles for the people who are in it. However, if debt is managed well then it can be used as a tool that will allow you to make big purchases that you wouldn’t have been able to afford otherwise. For instance, most people can’t buy a house without borrowing some amount of money. Additionally, debt can be a very useful investment planning tool, as you can borrow money to purchase income-producing growth assets like shares or property in order to increase your long-term…

   

5 States Considering Big Attractive Tax Breaks for Retirees

There are several states that are currently looking into making life easier for those that are entering the golden age of retirement. They are going to be doing this by expanding the tax breaks on Social Security, pensions and various other types of retirement income. Right now, there are lawmakers in five states that are looking into proposals that would make a large portion of retired citizens’ income exempt from income tax. Although retirees already enjoy several great tax breaks from the federal government, such as standard tax deductions and Social Security being exempt from Social Security income, those incomes…

   

No Credit History? New Scoring Method for the Underserved

Credit scores have played an increasingly vital role in the lives of U.S. consumers. They aren’t just used in order to determine if someone is credit-worthy, but also the price that they can obtain credit. In addition, credit scores can influence someone’s ability to rent an apartment, the price of their insurance and even affect the hiring decisions of future employers. Unfortunately, there are millions of people who do not have any credit history, or only very little credit history or have a terrible credit history that prevents them from many financial services. This is changing in recent days, as…

   

How Will the New Payday Loan Regulations Affect You?

The CFPB (Consumer Financial Protection Bureau), which is the agency created by President Obama during the 2008 financial crisis, is taking a very aggressive step against payday lenders. They are proposing new regulations that would constrict payday loans that have higher interest rates than 400%. This would apply to a substantial portion of the over $46 billion payday lending market that typically serves the working class, and many people who live paycheck to paycheck, and don’t have access to a more traditional loan. These regulations would have no impact on short-term, high-interest loans, however they would require that lenders ensure…

   

Page 5 of 12« First...34567...10...Last »

 



100% Online

Fast Loan Decisions

Approval in Minutes

No Credit OK

Bad Credit OK