Monthly Archive: December 2017

Rebuilding Bad Credit Report #credit #card #comparisons

#where to get a free credit score

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payday loan can be in bankruptcy

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#rebuilding credit

Rebuilding your credit


Even if you have made money mistakes in the past, you can rebuild your credit history and become a borrower in good standing. It is important to have a good credit history if you want to borrow money. The better your credit report and score, the more likely you are to be approved for a loan and receive a favorable interest rate.

However, you have harmed your credit history and score if:

  • you did not pay at least the minimum balance on your debts
  • you made late payments
  • you went over your credit limit
  • you missed one or several payments
  • you stopped making payments altogether
  • you have too much credit and you use it
  • your debt was referred to collection
  • you made a consumer or Division I proposal
  • you declared bankruptcy.

A bad credit report and score can mean you do not get approved for a loan, or you do not receive a favorable interest rate on your loan.

How to rebuild your credit history

  1. Apply for a secured credit card. Secured credit cards require you to leave a deposit with the credit card issuer as a guarantee. The deposit is usually equivalent to the card limit, but can be higher. For instance, if you want a limit of $500, you may be asked to leave a deposit of $500. Once you’ve shown that you pay the balance regularly and have built a payment history, you can ask that the security requirement be dropped and that the deposit be returned.
  2. Make at least the minimum payment by the due date. If you cannot pay off your balance in full each month, make at least the minimum payment on each of your debts on time. Late payments will count against you and negatively impact your credit score and credit report.
  3. Do not apply for too many credit and loan products. Having too much credit can also negatively affect your credit report. Try to use less than 35 percent of your available credit. Do not fill in too many applications for credit and loans because every time you do, your credit history is checked. Each credit check can affect your credit score.
  4. Review your statements. When you are in debt, avoiding your monthly statements may cost you. Mistakes happen and you only have a limited time to correct them. Always review your statements to make sure there are no transactions charged in error and that your payments are recorded correctly. Report any mistakes as soon as possible.
  5. Check your credit report. You can order a free copy of your credit report from either one of Canada’s two credit rating agencies, Equifax and TransUnion. Keep in mind that each agency may have different information about you in their files so check your credit report from both agencies at least once a year for possible errors and get them corrected as soon as possible. Consider requesting your report from one agency and then waiting six months before you order from the other agency. By spacing out your requests in this way, you may be able to detect any problems sooner.

Prepaid cards do not help you build credit. You may choose to use a prepaid card as a payment option. but its use is not tracked by the credit rating agencies.

Rebuilding Your Credit #finding #your #credit #score

#rebuilding credit


  1. Pay your existing credit bills on time.

If you have a car or house that you are keeping after the bankruptcy resume making that payment on time. Eventually that creditor will resume reports to credit bureaus which will help improve your credit score if you remain current.

  • Obtain a Secured Credit Card

    One of the easiest ways to get positive reports on your credit report is to obtain a secured credit card. Use it and make the payments timely each and every month. A secured credit report is obtained by making a deposit with the bank offering the credit which remains as security for the card. The credit available normally will not exceed the amount of the deposit you made. Google secured credit cards for a list of banks offering these cards. Remember the idea is to have creditors make positive reports to your creditor bureaus.

  • Borrow on Funds you hold in the bank

    Save up a $1000 or more. Place it in a certificate of deposit then borrow against that $1000 and make the payments on the loan timely to the bank. Once again, the purpose is for positive reports to be placed on your credit report.


    OlsenDaines will sign chapter 7 clients up with $1000 dollar credit rebuilding program which free to you. We encourage you to take advantage of this valuable class. It is available for three months and will get you on the road to rebuilding credit.


    Credit inquires can actually lower your credit rating. Use this option conservatively.


    Interest paid on credit cards and cars is not tax deductible. They are expensive and the temptation to use the card can be strong. Interest paid on a home loan is tax deductible. Limit your use of credit cards, consider paying cash for a less expensive car and purchased a home with a payment that you can afford.

    For more details and specific information consult Credit Restoration After Bankruptcy available to the clients of OlsenDaines in the client portal.

  • Rental Property Credit Check.

    #credit checks

    Rental Property Credit Check

    Rental Property Credit Check is a great thing for a landlord to run when a prospective tenant wants to rent a residence. When viewing a Rental Property Credit Check, you will be able to determine whether that tenant will pay their rent or whether they will be a deadbeat and rip you off.

    Credit checks are not the only way to determine who to rent to, but they are definitely a start. Imagine running a Rental Property Credit Check on someone and seeing that they have collections out on them from Bloomingdales and Mobil gas. You don’t want to take a risk on that, because if they are not responsible in paying those debts, then they probably wont pay their rent on time, either.

    But their payment history is not the only valuable tool on the credit report. One of the most fundamental is helping you to verify their identity by checking the name and social security number against what comes back on the credit report. With identity fraud at epidemic levels these days, you can’t be too careful about how you rent to. Many fraudsters skip from property to property, looking for a naive landlord that they fool into letting them in. And once they’re in, you have to go through a long eviction process while they live in your property, rent free.

    A Tenant Credit Check is the way to go for landlords that want to not only rent their property to good people, but good people that pay bills on time. Most of all it will give you peace of mind.

    Re-establish Your Credit #sear #credit #card

    #bad credit car loans

    Conicelli Autoplex

    Conicelli Scion of Conshohocken

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    Sales. (877) 485-3193

    Conicelli Scion of Springfield

    860 Baltimore Pike Springfield. PA 19064

    Sales. (877) 740-4031

    Conicelli Toyota

    550 Ridge Pike Conshohocken. PA 19428

    Sales. 877-485-3193

    Conicelli Toyota

    Conicelli Car Credit

    Call 1-888-534-0340

    Even if your credit application has been turned down elsewhere, we can help!

    With Conicelli Car Credit. it has never been easier or faster to get an auto loan for a new or used vehicle in the Philadelphia area, even with less than perfect credit. Our loan application is fast, easy and secure. And decades of experience working with difficult credit situations means that over 90% of our applicants are approved for financing !

    Click to get started and fill out the safe and secure credit application.” href=”/quick-credit-app.htm”> Click to get started and fill out the safe and secure credit application. Once you’ve completed the application, one of our Credit Specialists will contact you promptly to confirm receipt of your application. There is no obligation and the application is free .

    We offer competitive finance rates for all types of consumers. Whether you have bad credit, past bankruptcy, divorce/child support, no credit, or other credit issues, Conicelli Car Credit can help. Obtaining auto financing has never been easier!

    Rental Credit Check #credit #check #online

    #credit check companies

    Rental Credit Check

    Rental Credit Check – What is it?

    Rental Credit Check – Why is it important?

    • Rental Credit Check Form gives authorization to landlords, property managers, and property management companies to check rental credit history for a tenant
    • Rental Credit Checks help property managers and property management companies to screen prospective tenants by looking at their credit history
    • Rental Credit Checks can help determine whether a tenant in has ever been evicted or filed for bankruptcy in the past

    Rental Credit Check – What should be included?

    • Name of the Tenant(s)
    • Tenant(s) Date of Birth
    • Tenant(s) Social Security Number
    • Signature from the Tenant(s)

    Rental Credit Check – What should I do with it?

    • Review the Rental Credit Check Form to make sure it is Legible and Complete
    • Confirm the Applicant’s Identification (Ask to see Driver’s License, Passport, etc. )
    • Submit information provided by the tenant to 3rd party tenant screening service
    • Evaluate results from tenant screening service and decide if you want to rent to that tenant

    Rental Credit Check – What else should I know?

    Here is a Rental Credit Check Form that landlords, property managers, and property management companies in can use:

    RenTec Tenant Credit Reports and Tenant Background Checking #online #credit #score #free

    #credit check companies

    Tenant Credit Check

    Reviewing the credit of a prospective tenant is a critical step in ensuring their financial stability and responsibility. A peek into the credit history of a tenant can quickly identify behaviors of either good payment history or poor payment history. For this reason, running credit on a tenant is considered best practice for all landlords and property managers as a routine part of the screening process.

    Rentec Direct provides both Landlords and Property Managers a quick and easy method to access tenant credit reports.

    Tenant Credit Reports for Property Managers

    As a property manager running credit reports on your applicants greatly reduces your risks of accepting troublesome tenants and can alert you to potential payment problems before an applicant signs a lease.

    Our credit report powered by TransUnion provides:

    • FICO Credit Score
    • Payment Patterns and Payment History
    • Public Record Search (tax liens, bankruptcies, judgments)
    • UD/ Skip
    • Collection Accounts
    • SSN Validation
    • Residence/ Employment Information (according to what Bureaus have on file)

    * This report requires an on-site inspection [learn more ]. If you are you a Landlord without a business license or do not wish to wait for a site inspection you may opt for the Tenant Credit Report for Landlords, see below!

    Tenant Credit Check for Property Managers (From TransUnion) $8.95

    View Sample Tenant Credit Report for Property Managers [pdf]

    Tenant Credit Reports for Landlords

    Rentec Direct’s tenant credit report for landlords has all the benefits of a full credit report, without the requirement of submitting a business license or a site inspection. It’s perfect for individual landlords who have an investment property but it’s not a full time career. The landlord credit report is also very easy to read and therefore does not require a degree in credit science to understand what everything means. With just a glance you can determine quickly the credit worthiness of your potential renters.

    You’ll receive the applicant’s:

    • Credit Score (displayed on a scale, providing a grade from A+ to F)
    • Payment Patterns Shows Quantity of 30/60/90 Day Late Payments
    • Public Record Search (tax liens, bankruptcies, judgments)
    • UD/ Skip
    • Collection Accounts
    • Total Monthly Debt Obligations
    • Current Past Due Amounts
    • SSN Validation

    Tenant Credit Check for Landlords (From TransUnion) $8.95

    View Sample Tenant Credit Report for Landlords [pdf]

    * Onsite Inspections (for full credit reports only) – To order full credit reports, all credit bureaus and resellers require that you have a site inspection. It’s a simple process where a contracted site inspector visits you at your office/home office at a time that is convenient for you and they’ll verify that you are working in a secure environment that does not allow public access to your computer.

    They will also verify that you have the ability to secure or dispose of any printed credit reports properly by way of a paper shredder and a locking filing cabinet. The site inspection fee is $50.00. This is the cost from the site inspection company, which we do not mark-up.

    But while you wait for the site inspection to be completed, as long as we’ve received your other required items you can order and view the Tenant Credit Report for Landlords as well as all other criminal and public record reports so you don’t have to wait to evaluate the applicants you need to screen right now. Any Credit Report Cards you order now will automatically be converted into the full Tenant Credit Report format at no charge once the site inspection is completed!

    Credit data provided by our data partner StarPoint Tenant Screening.

    S Best Gas Credit Cards #score #credit

    #best credit cards to have

    Wells Fargo Propel 365 Credit Card

    Marathon Credit Card

    Offers a 25-cent rebate (

    8.8% cash back) for each gallon of Marathon gas purchased during months a cardholder charges at least $1,000 on this card, $0.15/gal. (

    5.3%) for spending $500 and $999.99, and $0.05 (

    Chevron and Texaco Credit Card

    Provides a $0.30/gallon discount (

    10.6% cash back) on Chevron and Texaco gas for the first 60 days after account opening. Thereafter, you get $0.20/gal. off (

    Choosing The Right Gas Rewards Card

    While station-affiliated gas credit cards could offer the most lucrative rewards, they certainly aren’t for everyone. Users can only save on gas purchased at affiliated stations and, in many cases, are required to spend high dollar amounts in order to qualify for the highest rewards earning rates. Therefore, you should only open one if you’re already meeting those requirements or could easily do so without changing their daily habits significantly.

    Otherwise, a generic gas credit card may be in order. When it comes to picking between, it’s important to not only compare gas rewards earning rates, but also how the other rewards they offer match up with your biggest expenses. It’s also important to note that you shouldn’t be swayed by cards offering 5% rewards in rotating categories, even if they are listed on other best gas credit card lists. Gas prices are trending upward, and such cards won’t guarantee that you’ll have a competitive earning rate on fuel purchases when the costs are highest. Besides, you’d only benefit as far as gas purchases are concerned for three months of the year, if you’re lucky.

    Consumers looking to save even more may also consider using one of the many smart phone applications, like GasBuddy, that help find the cheapest gas station in the neighborhood.

    Shopping at certain grocery stores – including Giant, Kroger, and Safeway – can also bring about considerable savings because some offer discounts at affiliated gas station chains (e.g. Shell and ExxonMobil) based on how much you spend at their stores. This is especially powerful when combined with the respective station’s co-branded credit cards, many of which offer pretty good rewards but didn’t make this list because you have to spend a relatively high amount per month in order to get a decent return.

    Ripoff Report #applying #for #a #credit #card

    #ll bean credit card

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.

    Ripoff Report #best #credit #card #deal

    #credit expert login

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.

    Share Rates, Certificate Rates, Loan Rates #credit #score #and #report

    #credit rates

    Online Banking Login

    Call or visit a Service Center!

    Rates effective October 1, 2015

    The rates appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

    Free Rewards Checking

    Rewards Checking. The Rewards Checking account is a Tiered Rate account (see chart below). If your Daily Balance is $20,000.00 or below AND you meet all of the basic service requirements during the calendar month, the applicable Tier 1 Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply, for levels A and B; if your Daily Balance is $10,0000.00 and below AND you meet all of the basic service requirements during the calender month, the applicable Tier 1 Dividend Rate and Annual Percentage Yield listed for this account in the Rates Schedule will apply for Level C. The basic service requirements include: a) you make twelve (12) PINless card transactions (any transaction that does not require a PIN) that post to and clear your Reward Checking account; b) you access Online Banking at least once; c) you receive e-Documents (must have enrolled and accepted the disclosure; and d) you have a direct deposit or ACH debit (including Bill Payment) post to and clear your Reward Checking account. You will earn the Tier 1-A Dividend Rate and Annual Percentage Rate on balances of $20,000.00 or less if you meet the basic service requirements and have $1,000 in credit card purchase transactions during the period beginning on the 28th day of the prior calendar month and ending on the 27th day of the current calendar month. You will earn the Tier 1-B Dividend Rate and Annual Percentage Rate on balances of $20,000.00 or less if you meet the basic service requirements and have 12 credit card purchase transactions during the period beginning on the 28th day of the prior calendar month and ending on the 27th day of the current calendar month. You will earn the Tier 1-C Dividend Rate and Annual Percentage Rate on balances of $10,000.00 or less if you meet the basic service requirements but do not meet either of the credit card transaction criteria required to earn a higher rate. The Tier 2 Dividend Rate and range of Annual Percentage Yields listed for level C, this account will apply to balances of $10,000.01 to $24,999.99 if you meet all of the basic service requirements. The Tier 3 Dividend Rate and range of Annual Percentage Yields listed for this account will apply to balances of $25,000.00 or greater if you meet all of the basic service requirements. The rates applicable to Tiers 1, 2 and 3 will apply only to that portion of the account balance within each balance range. When you meet all of the basic service requirements for the calendar month, ATM fees incurred during the month will be refunded to you.

    One Rewards Checking account is allowed per Member. Business accounts are not eligible for rewards. Qualifying credit card transactions must be made using a Consumers Credit Union-issued card. Credit Card cash advances and balance transfers do not count towards credit card purchases.

    Ripoff Report #buy #now #pay #later #no #credit #check

    #credit diagnosis

    Don’t let them get away with it! Let the truth be known!

    • Update a Report
    • Program Services
    • Help FAQs
    • Consumer Resources
    • Verified Business Directory
    • Legal Directory
    • Consumers Say Thank You
    • In the Media Repair your reputation the right way Corporate Advocacy

    Reputation Management

    Corporate Advocacy Program

    This is the best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how a business took care of business.

    All business will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

    Consumers love to do business with someone that can admit mistakes and state how they made improvements.

    Ripoff Report #what #are #credit #scores

    #credit watch

    Credit Watch Services Credit Watch Services Rude, Abusive Tactics, Illegal, Collection agency that hangs up on consumer and will not provide proof of debt. Internet

    *Consumer Comment. Common Courtesy

    *General Comment. credit watch ft.worth texas. very rude and unprofessional

    *Consumer Comment. Rebuttal CreditWatch Service Ltd.

    This company has changed name several times. I wonder why. CreditWatch Services, Stopless and Collectrite. Their mission statement says “We are dedicated to providing superior results while maintaining the highest level of ethics and integrity. Our motivation is to be the premier vendor of choice while maximizing our clients and shareholder values. ” Not even close.

    I received a phone call and message from Credit Watch Services on 2-12-2011 who informed me that they were attempting to collect a debt. I immediately called the company back and requested their address and fax number. Instead of the company providing this info, I was place on hold for 7 minutes and sent to a Mr. Jackson. Mr. Jackson refused to provide this info, became angry and hung up the phone. I called back immediately and spoke with Haily. I asked for the address and fax number again but she put me on hold and again sent the call to Mr. Jackson. Mr. Jackson said he was not going to give me that information and said that if I call back again he will collect our recorded phone conversations, and bring harassment charges against me. He then hung up again. I called back a third time, Haily answered and I requested not to be sent back to Mr. Jackson again. She was pleasant but said that he was her supervisor and she had no choice. She again would n

    ot provide a fax number. I then got sent back to Mr. Jackson for the third time in which he hung up again. The fifth call provided the same outcome but he did say that no matter who signed for this account, it will still remain my debt. I asked for a copy of the documentation that proves that it was my debt and he refused. He said that it is past the 30 days that I had in order to dispute the debt. I asked him to provide info about when the 30 days started but he hung up for the fifth time. Unbelieveable. A collection company want to file HARRASSMENT CHARGES against me. OMGosh

    This report was posted on Ripoff Report on 02/12/2011 11:29 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

    Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

    Running Credit Checks on Job Applicants #credit #card #debt #relief

    #credit check

    Can an employer check a job applicant’s credit report? Here are state rules and FCRA requirements.

    If an employer checks credit reports when hiring employees, it must follow the legal rules set out in the federal Fair Credit Reporting Act (FCRA). The FCRA requires employers to:

    • get the applicant’s consent before pulling the report
    • give the applicant a warning (along with a copy of the report received) if the employer plans to reject the applicant on the basis of the report, and
    • give the applicant an official adverse action notice if the employer does not hire him or her because of the contents of the report.

    This article explains each of these requirements. But, before you check any applicant’s credit, you need to make sure that your state allows you to do so. Read on to learn more. (Employers can learn more about keeping all their legal bases covered during the hiring process in Nolo’s Hiring Employees section.)

    State Law Restrictions

    The economic downturn of the last few years — and the resulting damage to credit reports and scores — have led many politicians to reconsider whether it’s really appropriate for employers to use credit reports in making hiring decisions. At least seven states (California, Connecticut, Hawaii, Illinois, Maryland, Oregon, and Washington) have passed laws prohibiting employers from pulling credit reports or limiting how employers may use them to make hiring or other job decisions. According to the National Conference of State Legislatures (NCSL), more than 20 states are currently considering similar legislation. To find out whether your state is among them, go to the NCSL’s detailed chart on .

    If your state prohibits you from checking applicants’ credit reports or using their credit histories in your hiring decisions, you can’t do it. Even though the federal FCRA allows employers to consider credit reports, state laws that are more protective of employee rights trump the federal law.

    Following the FCRA

    If your state allows you to consider an applicant’s credit report in the hiring process, and you plan to do so, you must abide by the FCRA by getting the applicant’s consent, warning the applicant if you plan to reject him or her based on the report, and giving the applicant a final notice if you ultimately follow through with those plans.

    The purpose of these rules is to ensure the accuracy of credit reports by letting consumers know when these reports are checked, whether the reports include disqualifying information, and how consumers can challenge incorrect entries. Investigations by public interest groups reveal that one-quarter to one-third of all credit reports include significant errors. Given these numbers — and how often credit reports are consulted by lenders, employers, and landlords — it makes sense that the law builds in a few consumer protections.

    Get Written Consent

    Before you request an applicant’s credit report, you must notify the applicant that you plan to do so and get the applicant’s written authorization. This notice and authorization must be set forth in a separate document that doesn’t include other information. In other words, it can’t be a section of your employment application.

    Send a Pre-Adverse Action Disclosure

    Once you get the report, you may decide not to hire the applicant based on something in the report. In this situation, you must first send the applicant a notice stating that you plan to take this “adverse action” (deciding not to hire him or her). With your notice, you must include two documents: (1) a copy of the credit report, and (2) a copy of a notice from the Federal Trade Commission entitled “A Summary of Your Rights Under the Fair Credit Reporting Act,” which tells the applicant how to challenge any incorrect information in the report, among other things.

    (The credit reporting agency that sent you the report should also give you a copy of the FTC’s Summary of Rights; if it doesn’t, you can find a copy at the FTC’s website .)

    Send an Adverse Action Notice

    Once you have made a final decision not to hire the applicant based on information contained in the credit report, you must send the applicant another document called an “adverse action notice.” This notice explains that you are not hiring the applicant and provides some information on the applicant’s rights, including the right to dispute the accuracy of the report and the right to obtain an additional copy.

    Next Steps

    To find out more about each of these requirements, go to the FTC’s website,, and review its publication “Employment Background Checks and Credit Reports.” You can find all of the forms you need to get consent and provide the proper notices to applicants in Nolo’s Rejecting a Job Applicant: Employer’s Adverse Action Forms Kit .

    SAVVY – Bad Credit Car Loans & Second Chance Finance #where #can #i #get #a #free #credit #report

    #car finance for bad credit

    Obligation Free Application

    How can I get approved with bad credit?

    1. Review your statement and credit history

    You need to look at your bank statements and credit history and try to clear up any errors. Errors may end up costing you more in the long run.

    2. Prove you can pay them back

    Using your statements and history, you will have to prove to your prospective lender that you will pay them back.

    Don’t cook your own books. Don’t hide bad credit from lenders.

    4. Pay off your other debts

    If you can, consolidate or pay down your other outstanding debts.

    5. Speak to a professional

    If you need help or are unsure, always seek help from a licenced financial professional.

    What are the Interest Rates?

    If lenders and car loan brokers have deemed you to have bad credit or as a high risk, you may still have access to car finance. Unfortunately, these interest rates are noticeably higher than the usual market rates on offer to those who are in a prime borrowing position. More on Bad Credit Interest Rates.

    Can I get a car loan if I have declared bankruptcy?

    Yes, if you have been discharged from a bankruptcy you can still get a car loan. Unfortunately, you must prepare yourself to pay a much higher interest rate than is usually advertised, sometimes higher than 19%. However, if you have not been discharged from your bankruptcy, you cannot get a car loan. There may be some lenders providing no credit check car loans however the interest rates would be higher and comes with some other drawbacks.

    How can I refinance a car loan with bad credit?

    If you got a bad credit car loan and have been keeping up with repayments and obligations, you can look around to refinance your loan with other lenders. You will need to prove you’re in a better financial position than before to a new lender. One other way is to trade in your current vehicle and pay out the bad credit car loan in full. More on Refinance Car Loan with Bad Credit.

    What is part IX debt agreement?

    A Part IX Debt Agreement is a formalised, legally-binding agreement between yourself and your creditors to pay back debts. More on Part IX Debt Agreement.

    Can I get bad credit car loan with unpaid defaults?

    Yes, it is possible to get a bad credit car loan if you have unpaid defaults. You have to be prepared to pay above the usual market interest rate. Some companies, such as telecommunications providers, are quick to add defaults to your name. It’s up to you to check your credit history for errors. Correcting your history could save you a lot of money. More on Car Loan with Unpaid Defaults.

    S Best Credit Card Rates – CardHub Editor s Picks – November 2015 #private #student #loans #for #bad #credit

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    Best Credit Card Rates

    Capital One QuicksilverOne Cash Rewards Credit Card

    • Purchase Intro APR 0% until July 2016
    • Transfer Intro APR 0% until July 2016
    • Regular APR 22.9% (V)
    • Annual Fee $39
    • Rewards Bonus None
    • Earn Rate 1.5% Cash Back


    Best for Rewards. Capital One’s QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases until July 2016 makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

    Discover it Credit Card for Students

    BankAmericard Cash Rewards for Students Credit Card

    Same Day Unsecured Loans- Urgent Cash Loans- No Credit Check Loans #first #credit

    #no credit check unsecured loans

    Welcome To No Credit Checks

    Money plays a very vital role in the everyday s life of every person. Our life is directly related to money and we cannot take these money matters lightly. No Credit Checks understands these essential matters of life very well. Besides, it also understands the sudden needs of money. Therefore, it keeps itself ready with all loan options that serve people greatly at the time of need. We are able to arrange all types of loans, including same day loans, payday loans, urgent loans, unsecured loans, bad credit loans, no credit check loans and cash loans.

    No Credit Checks is available on the Internet and that has added tremendous convenience in our job of arranging loans for people as and when they fall in need. Our extremely professional representatives are fully dedicated to their responsibility. They start processing your application as and when it reaches them. No matter which loan option suits your need the most, our service excellence will enable you to get the monetary option with better terms and conditions.

    Our speciality is to enable our clients to get the best services as far as loan arrangement is concerned. We process all applications for loan options very fast and we charge no fee at all. Moreover, there is no hidden cost as well. We also help people with bad credit score to get loan options without any hassle. We welcome all credit cases, including CCJ, IVA, arrear, default and bankruptcy. No credit checking process! 95% approval rate!

    RV & TRAVEL TRAILER SPACES #canadian #credit #score


    $315 RV TRAVEL TRAILER SPACES (Paradise, CA)

    The monthly rent is $315* plus sub-metered electricity. FREE CREDIT CHECK. All sites provide 30/50 amp service. We are located in the beautiful foothills of the Sierra Nevada in the center of the Town of Paradise, CA, and have several available RV or travel trailer spaces for rent for a few days, a few weeks or on a month to month basis. NO APPLICATION FEE.

    *On monthly rental, if the space has a storage shed, the monthly rent is $330 per month plus electricity.

    Check out our website:

    Daily space rates are $30 with weekly rates at $120; this includes electricity, water and sewer hookups. A small pet is allowed with management approval. Coin operated laundry facilities are available for your use.

    The elevation in Paradise is approximately 1800 to 2100 feet with pine trees and wooded areas as far as you can see. Our climate will suit you. At our front door is a restaurant called the Kalico Kitchen for your dining enjoyment for breakfast, lunch and dinner. You’ll find charming small locally owned shops, including many restaurants and, of course, fast food is also available.

    For additional information please contact onsite manager. Office hours Monday through Friday 9 a.m. to 3:30 p.m. (closed for lunch 12 to 1 p.m.) We are closed on Saturday and Sunday and major holidays.

    Visit our website:

    • do NOT contact me with unsolicited services or offers

    post id: 5309889428

    posted: 2015-11-10 2:36pm

    SCDOR free credit monitoring for businesses #can #i #get #a #mortgage #with #bad #credit

    #free credit repot

    Identity theft protection now available for S.C. businesses

    The SC Department of Revenue (DOR) announced that all S.C. businesses that have filed taxes since 1998 are eligible for free credit monitoring services.

    At least 657,000 businesses have had their tax information jeopardized by a cyber attack on DOR that occurred last month.

    Starting today, businesses can sign up for CreditAlert through Dun Bradstreet. Visit or call 1-800-279-9881.

    Experian is offering impacted S.C. businesses a self-monitoring service that allows unlimited access to a company’s business credit report and score.

    Gov. Nikki Haley and SC Law Enforcement Division Chief Mark Keel encouraged anyone who has filed a S.C. tax return since 1998 to take the following steps:

    • Call 1-866-578-5422 to enroll in a consumer protection service. (The call center is open 9 a.m. to 9 p.m. Monday through Friday and 11 a.m. to 8 p.m. on Saturday and Sunday).
    • Or if you wish to bypass the telephone option, visit .Enter the code SCDOR123 when prompted. S.C. taxpayers have until the end of January 2013 to sign up.

    Score Correct Online #envision #credit #union

    #online credit score free

    How We Raise Credit Scores and Help to Improve Your Credit Profile

    We attack your credit from multiple angles.

    First, we work with you on devising an action plan for things you can do to maximize your improve your credit score credit profile, simple adjustments to the way accounts are being reported can have a massive impact on your overall credit grade, and profile. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us.

    Next, we identify items that are outdated, unverifiable, misleading, or questionable. We assist in the correspondence needed to interact with the major credit bureaus and your creditors to remove or correct these questionable negative items from your credit report.

    During this entire process, you are able to login to your file 24/7 to view recent activity, messages from our staff, and to see what negative items have been removed from your report. The most important part is that everything we do to raise your score is 100% legal and governed under the Credit Repair Organizations Act.

    Our clients have the opportunity to save hundreds of thousands on their mortgage, credit card bills or even their car insurance. Call us at (866)716-3984 for a free consultation. you have nothing to lose!

    Copyright 2015 Score Correct Online 259 Indiana Ave Valparaiso, IN 46383| Privacy Policy | Disclaimer

    Sears on the App Store #credit #report #free #online

    #sears credit card login

    By Sears

    Open iTunes to buy and download apps.


    Sears App: explore, shop, save and track orders…faster and smarter

    Save big on all the top brands with the Sears mobile app. Shop millions of products from Sears and our Marketplace sellers.

    A huge THANK YOU to our loyal app fans and customers who have guided these improvements with their invaluable feedback.

    • Larger product photos

    • Push notifications for shipping and delivery

    Shop smarter

    • Find the right products faster and compare them by feature, price and user reviews.

    * Find the closest store that has the item you need.

    * Smart browsing feature tells you which items you’ve already looked at.

    Save more

    * Get alerted to Yourbuster specials and Wheel of Fortune sweepstakes.

    • Save eCoupons to your profile.

    * Get free shipping on literally any item you order while you’re in the store.

    • Make the most of Shop Your Way points, exclusive member coupons and more.

    • Savings will be available when you shop Sears…anywhere, anytime.

    Secured credit cards offer consumers a low-cost way to rebuild their credit #renter #credit #check

    #secured credit cards to rebuild credit

    Secured credit cards can help build, repair your credit

    By Jeremy M. Simon

    Trying to borrow money without a good credit history can leave consumers caught in a vicious circle: Good credit is often required to get approved for loans, but good credit can only be achieved by having — and using — credit responsibly over time.

    Enter secured credit cards. These card products offer borrowers access to a line of credit. even if those borrowers don’t have good credit histories. Lenders are willing to extend credit to such borrowers because the credit line is secured by a cash deposit (provided by the consumer) that guarantees the bank gets repaid even if the cardholder runs into trouble. As a result, secured cards can provide credit to borrowers who may have been denied for loans in the past, while simulatneously helping them build a credit history so that they can get approved for unsecured credit in the future.

    Consumer advocates say these products can be a helpful tool for certain borrowers. Secured cards are a good choice for those who have trouble opening traditional lines of credit, says Gail Cunningham, vice president of public relations for the National Foundation for Credit Counseling. Examples of people who are a good fit for a secured card are those who are establishing credit for the first time or are attempting to rebuild their credit, she says.

    Borrowers can make payments using secured cards just as they would with traditional unsecured credit cards. To be sure they will build a credit history, however, borrowers should check that their secured card issuer reports all borrowing activity to the credit bureaus. Otherwise, the card’s use and repayment won’t help the cardholder establish credit.

    If the secured card does get reported, borrowers can build a positive credit history by using the plastic carefully. That makes secured cards an attractive choice. The benefits are that you have the convenience of a credit card and can construct a positive credit file if you handle your obligations responsibly, Cunningham says. After a period of time, the issuer may even convert the secured account to an unsecured account with a higher credit limit.

    That doesn’t mean consumers who use secured cards don’t face any financial challenges, however. The downside is that the card may assess fees, and the line of credit will likely be small, as it is limited to the amount of money you use to open the account, the NFCC’s Cunningham says.

    Despite those fees and small credit lines, secured cards offer a way for consumers with bad credit or no credit scores to break the vicious cycle. Therefore, a secured card is a useful tool for many, Cunningham says.

    Updated: June 30, 2010

    Join the discussion

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    Second Mortgage, Bad Credit 2nd Mortgage Loans #credit #report #no #credit #card

    #mortgage lenders for bad credit

    Find the Best 2nd Mortgage Online

    Find respected 2nd mortgage companies that specialize in bad credit refinancing, and home equity loans from 75-100% with fixed rate options. Most second mortgage lenders have tightened guidelines or pulled their home equity programs all together. Our second mortgage lenders remain aggressive with cash out alternatives for consumers who do not want to refinance their first mortgage.

    Learn How to Refinance Your Bad Credit 2nd Mortgage Loan

    Once again we ranked in the top 5 for second mortgage lenders online. We would like to extend our gratification to our customers by continuing with our policy of “No application fees for our second mortgage quotes.”

    • Let the Brokers & Banks compete for your loan business!
    • Refinance your first or second mortgages with a fixed rate!
    • Get money with an interest only credit line for home renovation
    • Combine all your home mortgages together and save!

    Save time and money at home and let the expertise at 1 Second Mortgage bring the brokers, lenders, and bankers to you.

    You are not obligated to do a loan with our lenders, but we appreciate the opportunity to compete for your financing business.

    #1 Second Mortgage will help you compare 2nd mortgage options from the nation’s leading second mortgage lenders. There are many new lending opportunities that arise all the time but you need to be speaking with the banks and lenders that specialize in second mortgage loan programs.

    Apply for a refinance or bad credit second mortgage online, and relax, while we bring the 4 best loan quotes to you. You will enjoy the automated process, competitive loan rates, and financial expertise that come standard with no charge from #1 Second Mortgage.

    Our lending partners offer home equity loans for most types of credit! If you have been turned down lately, this is a cost-effective way to use your home equity and pay off loans quickly at a lesser rate of interest. If you have noticed that your ARM payment has been increasing it may be time to revise both your 1st and 2nd home mortgages.

    Many homeowners are paying off debt and getting the monthly payments reduced with a fixed rate equity loan. Refinance your home purchase or credit line with a fixed interest mortgage is suggested if the rates are variable. Select from reduced interest programs that are designed for refinancing your 1st mortgage or consolidating your 2nd mortgage.В

    If your credit line rate is above “Prime”, we suggest refinancing with one of our fixed rate 2nd mortgages. Ask your loan officer about the “Quick Fix” loan that features a streamlined mortgage process and limited closing costs.

    Let us help you find the right lender today!

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    Taking Out a Home Equity Loan

    A home equity loan is a 2nd mortgage that borrowers usually take out for the purposes of getting back cash or revising the interest rates on their variable rate credit cards.

    If you have a line of credit with a variable interest rate, you may be able to lower your monthly payment and possibly retain tax advantages. Getting a second loan may create new opportunities for you to save money while helping to increase your emergency funds.

    Debt Consolidation Solutions

    A debt consolidation loan using your property as collateral can be a wise financing decision for your bottom line. Many consumers use their home and take out a second mortgage or refinance loan that is secured by your home. The main purpose of these loans is to refinance existing obligations. You may be able to save a lot of money by rolling the credit cards into one lower rate loan with a fixed term. Many times, this will assist you in gaining additional tax advantages that your debt’s interest isn’t earning you now. If your credit scores are too low, consider a debt consolidation loan for bad credit.

    Second Mortgage Lending

    A second mortgage is a subordinate loan behind your first mortgage. Borrowers take out 2nd loans to get cash, make modifications to their home and pay off multiple bills. Most people are able to lower their payments each month, while gaining additional mortgage tax deductions. Typically when you apply with mortgage refinance lenders, many will want you to refinance the second mortgage at the same time you refinance the first mortgage, otherwise you will have to get the second mortgage company to agree to complete a subordination agreement.

    Mortgage Refinance Considerations

    Mortgage refinance loans may help you lower the interest rate, and save you additional money with lower payments. Choose from fixed rate refinancing terms of 15, 30 and 40 year mortgages. Select from interest only or principal and interest payment options with fixed or adjustable rate amortization. If you have been rejected from lenders because you are currently late on your mortgage payment, consider a home loan modification from a foreclosure prevention company.

    Considering a Home Refinance

    Refinancing your home can lock your rate with a fixed rate loan that ensures fixed payments every month until your loan is paid back in full. You can refinance your primary residence, second home, or investment property and lower your mortgage payments for large savings. Our loan company offers FHA home loans; VA mortgage, conforming, and non-conforming sub-prime refinance loans. Bad credit scores have hindered many homeowners, but the FHA loan programs have opened the door for borrowers to refinance into a fixed rate with loans like the FHA Secure Refinance and the Hope for Homeowners.

    Home Improvement – Credit Lines

    Take advantage of the equity in your home and get a second loan for home improvement projects, like remodeling or adding a new pool. We offer loans for people who just bought their home, or homeowners that just want to fix up their old home.

    Take some time and research the interest rate, Federal Reserve policy, and learn more about the crucial economic indicators that determine the direction of lending institutions; Or you could let the #1 Second Mortgage Company help you through the tiring process of mortgage loans online. Let us do the mortgage loan shopping for you.

    Recently Posted 2nd Mortgage Articles

    Should I refinance a 2nd mortgage? В – You may be able to improve your financial situation by refinancing a HELOC or second mortgage.

    How to get a 2nd mortgage modification В – Find out the steps needed for relief and foreclosure prevention.

    If you have the means to reduce your monthly payments or long term debts it usually makes sense to refinance liens together.

    10 tips for refinancing a 2nd mortgage В – Get advice from financing experts online.

    Taking out a 2nd mortgage is possible, even if you have a government home loan.

    Do lenders still offer 2nd mortgages with an interest only payment option? В Lenders are not extending deferred interest but interest only is still available with home equity lines of credit.

    For More Second Mortgage Information:

    What is a 2nd Mortgage?

    In finance terms it is a “junior lien” that sits behind the 1st loan on title. A “second mortgage” no longer has the stigma it once had with homeowners in the 70’s. Today savvy borrowers use the 2nd loan to maximize tax deductions and low interest financing.

    Second Mortgage Loan Programs: 80-100%

    Several Equity Loan Options to Consider:

    1. Fixed Installment Loan

    2. Revolving Credit Line

    3. 1st and 2nd Mortgage Combination

    Shop our network of over 500 home lenders and mortgage brokers will be matched with your loan criteria to get you the best mortgage rate for refinance or 2nd mortgage loan.

    Welcome to the Online Solution Where Brokers & Banks Compete for Your home finance business!

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    Start taking home financing seriously, because leveraging your debts can save you thousands of dollars of the course of your lifetime. Be wise, and start working smart, instead of working harder to pay off credit card debt. If you can’t qualify for Second Mortgage Loans you want, a FHA mortgage can be effective solutions that you and your family will benefit from because the rates are fixed and reasonable. Check with our 2nd mortgage lenders for new programs.

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    Secured Credit Cards #gas #credit #card

    #credit cards for people with bad credit

    Secured Credit Cards

    Secured credit cards are made specifically for people that have zero or bad credit due to whatever circumstances. It’s not a good idea to have poor credit simply because it can limit your opportunities in life, and a secured credit card can help you fix that. Any other credit card can also help repair poor credit, but you may not be eligible for them immediately. A secured credit card is a great way to get the ball rolling.

    Who Needs A Secured Credit Card?

    The ideal people to use a secured credit card are people with no credit or very bad credit. Students, people that have pulled out of a financial slump, recently unemployed people, and a variety of others might want to get a credit card, but be unable to because of their credit records or lack of one. To that end, you should evaluate your needs and records to see what you can get.

    You also need some sort of credit card to reserve hotel rooms, plane tickets, and a great many things in relation to traveling. Some can even be used as identification, though some service providers will not accept it as a valid state-issued ID. It’s far better to use a card with a standard ID as a way to prevent identity theft. In regards to building credit, should your card ever be stolen or lost you should report it as such immediately to ensure you do not get wrongly charged for services you did not actually buy.

    How Secured Credit Cards Work

    Secured credit cards often carry a very low credit limit, and they require a deposit. However, the range can vary from a few hundred to several thousand dollars. This deposit usually determines your starting credit limit, with some companies augmenting it somewhat based on a percentage. They can also lower or raise your credit limit based on how well you are maintaining your card. If you stay consistent in your payments then your spending limit will likely increase. If you slack, you may not have as high a spending limit, and you are sure to lose money in late fees.

    In either case, it is important to never go over that limit. These cards should never carry a balance, as that will prove that you’re not able to limit your spending and be reliable, and likely not help your credit score at all. These cards are meant to test whether or not you can handle a regular unsecured credit card responsibly. Monitor your purchases carefully and make sure you pay your bills in full. You can even simply buy a few small things and pay off the bill, as that will help prove your reliability.

    It’s important that you don t keep one of these cards for long, because they carry high APR and interest rates that can burn more money than you might want to. You should treat a secured card as an introductory fee that will help you save money in the long run. It depends on your bank as to how long it takes to qualify for an unsecured card, but for the most part it takes approximately a year. Even after you qualify yourself, you should never slack with your credit payments, otherwise your credit score will suffer and you may even lose your hard-earned unsecured card.

    Precautions To Take When Choosing A Secured Credit Card

    There are some companies out there that may try to take advantage of you. They promise a guaranteed credit card, with no strings attached, but they may charge you a number of ridiculous fees for absolutely no benefit. Be aware of the terms. They will most certainly not help you or your credit score without a hefty cost.

    Remember, real credit card companies that offer secured credit cards will not make you pay any fees outside of the necessities to the card’s activation, and they will tell you everything that you must pay, if you ask. The most common fees are deposits and activation fees, though these are all variable depending on the bank offering the card.

    Compare Secured Credit Cards Now!

    Secure credit cards are invaluable to people wanting to improve their credit scores so they are able to get improved financial assistance later in life should they need it. A good credit score opens up things like mortgages, auto loans, and other loans that can help you pursue your goals in life. Get the credit ball rolling by using the free credit card chaser above, and improve your credit score with a secured credit card today!

    0% on Purchases Credit Card Offers #how #can #i #check #my #credit #score #for #free

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    0% Purchases Credit Cards

    A 0% intro APR credit card gives cardholders the benefit an interest-free introductory period on their purchases and/or balance transfers, as long as the account is kept in good standing during that time. The following are the most popular intro APR credit cards offered by our partners: – Personal Loans $100 – $35,000


    Financial Tools & Resources

    *DISCLAIMER: strives to keep its information up to date and accurate. This information might deviate from what you see when you visit a financial institution, service provider or specific product’s site. All products and services are presented without warranty, and we encourage you to view the online services for further details about terms and conditions. When you click on the “Apply Now” button, you can review the terms and conditions on the issuer’s official website.

    Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. may be compensated through Affiliate Programs for referrals.

    1 %3fpoor Credit Score And Loans At Cash Union%3dpoor Credit Score And Loans At Cash Union Fasted Cash Help When You Need. #credit #card #debt

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    %3fpoor Credit Score And Loans At Cash Union%3dpoor Credit Score And Loans At Cash Union Payday loans no credit check: credit without checking by Andy Copper ?Loans with no credit check? is like a dream come true for the bad creditors. In time of urgencies the bad credit problems always co me in front while applying for loans. If you want to avoid this bad credit tag while taking loans, go for payday loans no credit check. One can use the loaned amount for number of purposes like payi ng outstanding bills, unexpected bills, accidental emergency, etc.These loans are designed to help the bad creditors in there financial emergency. These loans are available for all types of poor credit borrowers havin g CCJs, IVA, bankruptcy, arrears, default or late paymen t cases. Borrower can easily utilize the benefits of these loans. Payday loans no credit check can provide you amount ranging from ?100-?1,500. These loans are of short tenure usually 14-31 days but it can usually be ex tended to some more days. The repayment of the loan is usually on the payday of the borrower. Compared to other loan types these loans charged slightly high interest rates.There are some prerequisites which have to be fulfilled in order to get the loans. The borrower should ha ve an active bank account which must be at least 3 months old, he/she should be presently working, shall receive a fixed income of not less th an ?1,000 a month and the age of the borrower should be more than 18 years.One can easily get these loans through internet, as there are numerous lending agencies available online. Through internet one can easily get many quotes. So, that before applying one can compare it in order to get the best deal. Payday loans no credit check give s you number of advantages such as it is of short term nature and requires no credit check. One can easily apply for these loans through internet. Bad creditors can also take the benefit of these loans as these are free from credit check.Andy Copper has been associated with Bad Credit Payday Loan. Firstly he collects all the required information and then pro vides useful advice through his article s that have been found very useful. To find payday loans, payday loans no credit check, payday loans US A, urgent payday loans, bad credit payday loans, 3 month payday loans visit

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    0% Balance Transfer Credit Cards – 0% Interest APR. #get #credit #reports

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    0% APR on Balance Transfers Purchases

    Getting a 0% balance transfer card that doesn t charge any interest during the introductory period can boost your finances in several important ways:

    No interest credit cards allow you to consolidate high-interest debt. You can use money from 0 balance transfer cards to pay off debts from higher interest cards. Some credit card applications may also have special offers of low interest rates on balance transfers made with the application.

    No interest credit cards can give your budget a cash infusion. If you have unusually high expenditures or need extra cash, a 0 APR credit card can help tide you over until your income catches up. Many 0 interest credit cards will even transfer money directly to your bank account or send you a check.

    No interest credit cards can help you make purchases earlier . A 0 APR credit card gives you the option to make large purchases earlier than you otherwise could.

    Many 0 APR credit cards also offer low interest . cash back . rewards . or frequent flyer miles . Each major section of our site also features business credit cards that offer benefits pertinent to that category.

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    Free Credit Score Instantly

    Are you experiencing money problems?

    Do you just need a small advance against your pay to tide you over?

    Do you need cash for an unexpected expense?

    Then a payday loan can be the solution you are looking for.

    When looking for this type of loan you want the best rates and terms possible, then we can help.

    Free Credit Score Instantly

    Are you counting the days until payday? Emergency auto repairs, unexpected bills, and other unplanned expenses can wreak havoc on your finances. There is no need to live with financial stress – a payday loan is an excellent solution for short-term cash flow problems. A payday loan will provide you with cash now, so you can set your worries aside Free Credit Score Instantly .

    In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times – you may still be approved for a payday loan even if you have bad credit or a past bankruptcy.

    Free Credit Score Instantly

    We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy.

    Free Credit Score Instantly Yes, your personal information is safe. Our site is protected by the best security software available, and all information provided is encrypted during submission.

    Our lenders will provide you with a loan up to $1000. The amount loaned depends on the information that you provide.

    Receiving the money from your loan is easy- it is deposited right into your bank account.

    You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Free Credit Score Instantly

    Articles, Tips and Advice on Credit Card Application #citifinancial #credit #card

    #credit card applications

    News Tips & Updates on Credit Card Application

    Anatomy of a Credit Card Application

    Credit card applications look straightforward — you just fill out the form and they send you a card, right? Yes, except sometimes you fill out that form and they turn you down — or give you the card on terms you’re not thrilled with.

    Why? Well, just like a resum shows employers your work history, a credit card application asks for your financial resum . Your past experiences count for a lot. Let’s look at a typical credit card application line-by-line to see what credit card issuers look for when approving or rejecting an application, as well as how your answers may affect your interest rate, credit limit, and more.

    As an example, we’ll use the application for a very popular credit card — the Disney Rewards Visa.

    STEP 1: Weeding Out Bad Credit Customers

    The first thing we see on the application is this section:

    Application Information

    Before completing the application, you should be able to answer “Yes” to the following statements by checking the boxes:

    – Yes, my credit history is clear of bankruptcy.

    It is important that you understand your credit score as it will affect your ability to get a credit card – you can find out more about your score and obtain a free credit report. Clearly the issuer does not want you if you have seriously bad credit. If you do, this card is not for you. Unfortunately, you may be stuck getting one of the higher-interest, higher-fee unsecured credit cards or secured credit cards for those with poor credit histories. However, if you said “yes” to those questions, you can proceed.

    5 Credit Cards for Beginners #bad #credit #card

    #starter credit cards

    5 Credit Cards for Beginners

    Your first bicycle probably had training wheels, and the first vehicle you drove likely wasn t an exotic sports car. So what kind of credit card should you get if you haven t used one before?

    Credit cards can be powerful and complex financial instruments, so it is important that new cardholders choose products best suited to their needs. For example, a card with a very simple fee structure will make it easier for new credit card users to avoid making costly mistakes. New credit card users might also consider applying for a card from an issuer that offers retail checking and savings accounts. In this way, cardholders can see all of their balances from one login, and payments become a simple matter of transferring funds between accounts, not third parties.

    It s important to know where your credit stands when you apply for a credit card. Not all credit card newbies lack a credit history. After all, student loans, car loans and mortgages can build very strong credit scores. You can check your credit scores for free on to see where your credit score falls.

    Here are five credit cards worth considering when it comes time for inexperienced cardholders to dip their toes into the water.

    Chase Slate

    This card is fairly simple. It has no annual fee, but offers no rewards. Cardholders also have free access to Chase s Blueprint program, which offers budgeting and goal-setting tools. Finally, this card is offered by Chase, which has a large retail banking presence for those who want to have a credit card account where they have a checking account.

    Citi Simplicity

    Simplicity boasts no late fees, no penalty interest rate. and no annual fee, so it lives up to its name. New cardholders also receive 18 months of interest free financing on new purchases. Citi is also a retail banking giant, so cardholders can open up checking or savings accounts there as well.

    How Long Will It Take to Pay Off Your Credit Cards? Plug in your credit card details and we’ll tell you when you can expect to be debt-free. Plus, explore ways to pay it down faster!

    PenFed Promise

    PenFed is the Pentagon Federal Credit Union, which was created to offer banking services to members of our armed forces and their families. Today, many can qualify if they belong to all sorts of private and public organizations, or join a military support group. Their Promise card has no fees for anything including annual fees, late payments fees. foreign transactions fees, cash advances fees, and balance transfer fees.

    Discover it

    Discover is popular among new cardholders due to the simplicity of its cards and its reputation for excellent customer service. Their Discover it card features no annual fee, no foreign transaction fees, no penalty interest rate, and cardholders first late payment fee is waived automatically, In addition, cardholders always receive 100% US based customer service. Although discover does not have any retail banking locations, it does offer online savings accounts.

    BankAmericard Travel Rewards Credit Card

    This is one of the only credit cards that has an EMV smart chip, no foreign transaction fees. and no annual fee, so it is a great first card for someone planning on traveling outside of the country. In contrast, most other credit cards impose a 3% foreign transaction fee on all charges processed outside of the U.S. New cardholders earn 10,000 bonus points when they use their card to make $500 in purchases within 90 days of account opening, and 1.5 points are earned for every dollar spent with this card. Each point is worth one cent each as statement credits towards travel expenses. Finally, Bank of America also has a vast network of retail branches.

    Note: It’s important to remember that interest rates, fees and terms for credit cards , loans and other financial products frequently change. As a result, rates, fees and terms for credit cards , loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

    At publishing time, the Chase Slate , Citi Simplicity  and Discover it  cards are offered through product pages, and may be compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment.

    More on Credit Cards:

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    Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

    Jason Steele has been writing about credit cards and personal finance since 2008, poring through the terms and conditions of credit card agreements to understand the minutiae of how these products work. His work has appeared on Yahoo, MSN, HuffingtonPost and other major news outlets. In his free time, Jason’s a commercial pilot. He graduated from the University of Delaware with a degree in History. More by Jason Steele

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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    All Three Scores Free: Free Scores & 3 Bureau Credit Monitoring #credit #insurance

    #all three credit scores free

    all three scores free

    All three scores free Most services of credit cards and banks use protection against identity theft that allows customers to check their financial history when they please. all three scores free You may find that place of the creditor reducing your debt, they can simply extend the payment period that gives you more time to find money or give you an alternative payment plan that you can afford.

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    all three scores free

    All three scores free A borrower with a choice of mortgage $ 150,000 at 4.25% will pay approximately $ 737.00 per month, equivalent to $ 265 300 over the life of the loan. all three scores free For example, if your creditor is said that you had three late payments this year and you know of a single payment was late, you can tell the credit bureau that the account is false reports of late payments.

    В„ў Review – 3 Free Credit Scores All 3 Reports #free #score #online


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    Credit Report errors can hurt your Credit Score and could cost you thousands, so check yours often.

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  • Get alerts when there are key changes-like new accounts and delinquencies- on your Credit Report, and find out when your Credit Score changes.

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  • Best Student Credit Cards – Build Credit History & Earn Points #how #can #i #get #a #credit #card #with #no #credit

    #best credit card for college students

    Credit Cards for Students

    Credit cards for students offer numerous advantages in addition to providing easy access to cash and credit. They enable you to earn cash back or rewards on your expenditures. They also allow you to start building a good credit history, which will be a real plus later in life when you are looking to take out loans to buy a car or house.

    The cash back or reward earnings on college student credit cards vary from 1% to as high as 5% for different types of purchases. To compare credit cards, read through the terms and conditions to determine which card will give you the highest rewards on your most frequent expenditures. Some student credit cards even reward you points for maintaining a good GPA and paying on time.

    Points can be redeemed for a variety of rewards, including cash back, plane tickets, concert tickets, gift cards, and in some cases exclusive mtvU Rewards, like VIP passes to Spring Break, Studio Tours, and more. Again, to compare credit card offers, look for the card that offers the rewards that you find most exciting.

    Most credit cards for students come with a 0% introductory interest rate for six months. Depending on the card, this rate may apply only to purchases, but in some cases it also applies to balance transfers and cash advances. In short, if you will be using your card for cash advances or balance transfers in addition to purchases, look for a card that offers a 0% introductory rate on these services.

    College credit cards offer great advantages if you pay the balance in full every month. It is best, however, to avoid using your card as a supplemental student loan. Once the introductory rate expires, student credit cards charge a fairly high APR, from 12.99% and up.

    Travel Credit Cards – Compare Cards To Use Abroad. #free #online #credit #report #no #credit #card #required

    #travel credit cards

    Travel credit cards

    Most credit cards charge additional fees when used abroad, these may include foreign transaction or commission fees. Travel cards are different, with low or often no foreign usage fees, they’re designed to help you avoid any extra and hidden costs when using your card abroad.

    We compare a range of trusted UK credit card companies to help you find a deal that suits you and your pocket and gets you the most out of your spending abroad.

    Credit Card Matcher tool

    Annual Percentage Rate including all fees & charges applicable.

    Your guide to credit cards

    Switching credit cards can be confusing work. We compare a range of top cards from names such as Lloyds Bank and aqua to help you find the right cards to suit your needs.

    Travel credit cards usually have higher interest rates than a typical credit card and they tend to be less competitive for spending in the UK. So if you’re thinking of getting a travel card, it might be worth thinking about using it for spending abroad and using a different credit card in the UK.

    Cash withdrawals from foreign ATMs could be very costly. There’s usually a cash withdrawal fee which is almost always applied and the interest rate on cash withdrawals tends to be much higher than on typical cards. It’s also worth noting that interest-free periods do not apply to cash withdrawals.

    If you don’t want to take a credit card abroad, or you’re worried about spending over your holiday budget, you can compare foreign currency and travel prepaid cards to make sure you’re getting the best deal on your travel money.

    Credit cards terms

    Some credit cards charge an annual fee, however, the vast majority of them do not. Fees can vary depending on the type of card. Weighing up the benefits against the cards fees and charges is a good way to make sure you’re getting the best value from your card and a deal that suits your financial situation.

    Most cards will charge a currency conversion fee for using them abroad or buying foreign currency online. This is added to the normal interest rate attracted by your credit purchases.

    Unbanked and Underbanked – Households Without Checking or Savings Accounts #how #do #you #find #out #your #credit #score

    #no credit check credit cards

    Households Unbanked or Underbanked – No Checking or Savings Accounts

    No Checking or Savings Account? How to Survive Without Using a Bank

    Last Updated: January 20, 2015

    In a 2013 FDIC National Survey of unbanked and underbanked households,  7.7 percent (1 in 13) households in the U.S. were unbanked.  Additionally, 20 percent (24.8 million) households were underbanked.  This survey went on to mention the fact that one in five households has zero or negative assets and 25 million people have no credit score.

    Why are these statistics so staggering and alarming? Because a credit score and access to financial services is usually necessary to buy a home, build a business, or send your children to college. Many studies have given credence to the theory that checking and savings accounts are not right for everyone. At the end of this article, we will give you some tips on how to find the best services for operating without a bank account.

    Unbanked and Underbanked Consumers

    What do the terms Unbanked and Underbanked mean? An unbanked person is someone with no bank account of any kind: no checking, savings or credit card. Underbanked means a person who has some sort of bank account but still uses services like check cashing, money orders and payday loans.

    These unbanked and underbanked consumers represent a considerable market opportunity for financial services companies. The unbanked and underbanked bought upwards of $3 trillion of goods and services with cash and money orders. Too often, these consumers pay a premium to get access to their funds at fringe financial outlets.

    Who is Likely to be Unbanked or Underbanked?

    Generally low income people do not have checking accounts, while low to middle income people are more likely to fall into the underbanked segment.  Job loss, income decrease or loss, lower education, and younger Americans seem to be the demographic composition of those who fall into the unbanked or underbanked catagories.

    Walmart has been adding financial services designed to cinch its relationship with the “unbanked” by recently offering a new prepaid debit card for its “credit-challenged” customers. Walmart is providing a one percent cash back bonus for consumers who use its prepaid Visa to buy gasoline, another step in its long, concerted effort to build loyalty among lower income consumers.

    Reasons Why People are Underbanked or Unbanked in the U.S.

    • Distrust of the banking system.
    • Cannot maintain sufficient balances to avoid high monthly fees.
    • Write too few checks to need a checking account.
    • Have too little income to justify a savings account.
    • The decline of bank branches in many lower-income and inner-city neighborhoods has made a banking relationship inconvenient for many consumers.
    • Have no Social Security Number. Believe it or not there are 20 million adults in this country who do not have a Social Security Number.

    Tips for Using Unbanking Services

    If you are one of the millions of Americans not tied into the banking system, you can do business using other methods. Just be careful as there are a lot of businesses willing to prey on you and others so keep these helpful tips in mind:

    1. Need a Loan – You can use Peer-to-Peer lending sites, which require no credit. Some of the big ones: and VirginMoney. There’s also GreenNote, which provides alternative student-loan funding sources such as friends, family and alumni.
    2. Check Cashing – Walmart offers check cashing for a $3 per check flat fee. If you compare this with checking account fees of $10 per month and you are paid twice a month, check cashing may be a cheaper alternative to banking. There are many check cashing stores around that will charge mush higher fees. Make sure to know the fees up front before you cash your checks.
    3. Alternatives to Credit Cards – A great alternative to a credit card is a prepaid card. Shop around online to find a card with the lowest setup fee (yes, there is a setup fee involved.) You can get one online and reload it, or buy one from a store. This way, you can use plastic instead of cash.
    4. Debit Cards – There are debit cards tied to non-banking financial institutions, such as PayPal. This may be a good option for those who buy and sell online.
    5. Secured Cards – Secured credit cards are available from various banks. Your credit limit depends on your deposit (any bank will give you a savings account as long as you have 2 IDs – it’s a checking account which is difficult to get).
    6. Checking Accounts – You can find a list of non-ChexSystems banks listed on the internet. This just means these banks will not pull a ChexSystems report on you before giving you a checking account. That may be a good thing if you have had a rough time with another bank.

    Banks and credit unions are rapidly addressing the problem of unbanked and underbanked households in the U.S. by developing checking and savings accounts targeted towards low-income households. These new products will hopefully help these consumers and save them money in the long run by offering financial services with lower fees.

    FREE credit summary & consultation from Lexington Law Just fill in the form and click “Start”. or call Lexington Law now 800.461.0524

    By clicking “Start” I consent by electronic signature to be contacted by Lexington Law and/or Credit Info, LLC about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number (dialed manually or by autodialer) and by email. This consent is not required as a condition to purchase services.

    Auto Equity & Loans – Learn About Using Your Car’s Equity – Wells Fargo #credit #cards #deals

    #consolidation loans for credit cards

    Learn the basics of managing debt with car equity

    You may be able to use your car’s equity to combine some or all of your debt while possibly lowering the overall amount you pay each month.

    Monthly Payment Reduction

    Cars have value that can be used as equity. This equity can help car owners consolidate debt, manage unexpected expenses, or fund large purchases.

    There are two common borrowing strategies at Wells Fargo using a car’s equity:

    • Auto Refinance + . Adjusting a car loan through refinancing to get funds.
    • Auto equity loan . Leveraging equity from a car that’s already paid off.

    With these types of loans, you may be able to:

    • Simplify your debts. Pay off other types of debts and potentially only have a single monthly payment.
    • Take care of unexpected expenses. Pay off unplanned expenses with the available funds.
    • Make a large purchase. Use the available funds if you’ve been planning on making a large purchase, but didn’t previously have the funds.
    • Enjoy convenience and flexibility. Choose a different term and different payment options to better fit your needs.
    • Have peace of mind. Benefit from consistent monthly payments with a fixed rate, paying the same amount each month. And you will not be penalized for paying your loan off early.

    If you’re a Wells Fargo customer

    You may be eligible for a rate discount with a qualifying Wells Fargo consumer checking account while maintaining automatic payments. *

    *To qualify for a customer relationship discount, you must maintain a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. Only one relationship discount may be applied per application. Auto loans obtained from a dealership (where the dealer is the lender) do not qualify for the relationship discount. To learn which accounts qualify for the discount, please consult a Wells Fargo banker. If automatic payments are not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.

    There are myths and misconceptions about accessing cash with your car’s equity. Here are some common myths debunked:

    Myth: Debt consolidation loans are for those with a tremendous amount of debt or in a desperate financial situation.

    Truth: You do not need to have tremendous debt to benefit from debt consolidation loans. Managing finances and consolidating loans are beneficial for many people looking to optimize their current financial situation. For example, you can consolidate as few as two credit cards with high interest rates into one low interest rate that may potentially lower your monthly payment or total finance charges.

    Myth: My car is too old and has too many miles on it to have any real equity.

    Truth: Cars are retaining their value for much longer than they did in the past. Consult these reference guides to see how much your car may be worth:

    Myth: I shouldn’t use my car’s equity to get funds because I will be opening a new secured loan, and secured loans have high rates.

    Truth: A secured loan typically has a lower interest rate than an unsecured loan because you have collateral to put against it.

    Myth:   I won’t be able to consolidate my debt and also access funds.

    Truth: In many cases, our customers are able to both consolidate debt and also receive available funds for unexpected expenses or large purchases.

    Information Included in Your Credit File #free #credit #score

    #credit file

    Information Included in Your Credit File

    What items may be included in the Equifax credit file?

    Your Equifax credit file includes identifying information, trade line/account information, inquiry information, public record and collection information.

    • Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information is typically received from information provided when applying for credit or benefits.
  • Trade lines are your credit accounts. Data furnishers report information on accounts you have established with them such as the type of account (bankcard, auto loan, mortgage, etc), the date you opened the account, your credit limit or loan amount, the account balance and your payment history.
  • Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years.
  • Public Record and/or Collection Information such as judgments, tax liens and bankruptcies may be reflected on your credit file. Your credit file may also contain collection account information for debts that have been turned over to an outside collection agency.
    • Updated 12/16/2013 01:54 PM Answer ID 163

    Bad Credit Car Loans – Financing – Valley Auto Loans #top #credit #cards

    #auto refinance with bad credit

    Bad Credit Car Loans & Refinancing Made Easy

    Car Loans for People With Bad Credit

    Page Contents

    Wondering if you could be approved for bad credit car loans or an auto refinance with bad credit. Valley Auto Loans is one of the few bad credit auto finance companies that truly understands your situation. We have a long track record of helping shoppers secure the financing they need for a vehicle, regardless of their current credit score.

    We accept 100% of all applications, without charging any fees, while making it our goal to find the best auto loans for bad credit or refinancing options for each individual need .

    Regardless of credit history, Valley Auto Loans bad credit car loans and lending connections give you the opportunity to secure the auto financing or refinancing you need.  Our simple application process makes it easy for those considered high risk (by other car financing companies) to qualify when you have bad credit, and we never charge an application fee for our service.

    We offer many services when it comes to bad credit car loans for applicants with:

    This variety of services puts us a step above other auto finance companies for bad credit car loans.

    If you are thinking of replacing your car with a new one, be sure to visit our resource page where you will find tips, guides, auto loan tools and reviews. We have also added a Used Car Buyers Guide and a guide for planning a simple auto loan budget. We offer knowledgeable assistance and direction with the various types of bad credit auto loans. From our new car buying guide  and other financial advice, we are the best place to get a car loan with bad credit.

    Our Auto Loans for Bad Credit

    Our fast and safe credit acceptance process draws on an exclusive nationwide network of bad credit auto lenders and dealers experienced in car loans and auto refinancing for people with poor credit scores. These partners have a reputation for quick service without inflated interest rates and fees.

    When it comes time to look for that new car, allow Valley Auto Loans to give you informative guides from negotiating with car dealers to landing that perfect auto loan tailored to your bad credit car loan needs in order to get the best deal for you.

    Our many services offered at Valley Auto Loans include helping customers with bad credit get zero down car loans, auto refinance, student loans and  bad credit car loans. Individuals with a poor credit history or need to repair their credit fast deserve to use the best financing options available. Valley Auto Loans specializes in providing bad credit auto lenders that do just that.

    Customers and Bad Credit Car Loans

    Valley s mission is to help customers when buying a car with bad credit, find financing and improve their credit scores. We want every applicant to have the best interest rates and the most affordable monthly payments possible. Our proprietary application process uses a unique algorithm to find the best financing options from thousands of bad credit auto lenders and finance providers. This is what makes it possible to get an excellent car loan with bad credit.

    Valley serves customers with damaged credit scores through strong relationships with dealers and lenders all over the United States. By partnering with reliable lenders, we can provide some of the lowest possible interest rates available to applicants regardless of bad credit history. Valley accepts all applications and does everything possible for applicants to get low monthly payments on auto loans for bad credit at great interest rates.

    Leave It To Us for Bad Credit Auto Finance!

    Valley Auto Loans is one of the premier brokers for auto loans with bad credit in the nation. We have worked endlessly to make our approval process as fast, secure and convenient as possible. This hard work has resulted in a loan application that is easy to use and provides the quick results applicants need. Valley Auto Loans understands credit problems and the struggles that thousands face who do not qualify elsewhere. It is our mission to provide visitors the high risk auto financing they need  when others cannot. Valley Auto Loans offers low-interest auto loans for bad credit customers. We will do our best to help you find a competitive interest rate on your next car loan.

    Bad Credit Personal Loans & Lenders #fast #credit #repair

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    Stop Searching and Get Approved Today!

    Compare online the highest rated business personal bad credit loan lenders

    Bad Credit Loan Financing Made Easy

    Do you have bad credit? Are you in need of a business or bad credit personal loan with an affordable interest rate and monthly payment? Don t worry you are not alone. This economy has hit lots of Americans pretty hard. Since the economic crash of 2007, the credit scores of people all across the United States have suffered.

    The good news is that Life House Financial prides itself on helping people locate hard to find financing. As an industry leader in all areas of financing, one of our first priorities was to partner with the safest and most trustworthily poor credit loan providers across the country that specialized in quick and hassle free bad credit personal loans. Whether you need a loan for home improvements, debt consolidation, to start a new business, or you just need to get caught up on some bills, with us you’ll have options.

    Our network of banks, credit unions and other loan providers, offer business and bad credit personal loan financing to all types of individuals. More importantly we’ve partnered with the bad credit loan providers that will allow you to pay over time. If you have poor credit, are in need of financing, give us a call or use the big orange button above to get started today. There is no reason to get frustrated searching the web on your own, when our services are free and without obligation. All you have to do is tell us about your business or personal loan needs, and we’ll do the rest. Our mission is to get your approved for the best loan possible, regardless of your current credit situation. Get started today!

    For more information, use the links below to learn more about the various personal loan and small business loan opitons available. If you would like to get instantly matched with your best bad credit loan options, use the big orange get started button above and we’ll get to work right away.

    What Should My Credit Score Be to Obtain a Home Loan? #credit #score

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    What Should My Credit Score Be to Obtain a Home Loan?

    by M. Shayne Arcilla

    A FICO score of at least 760 will get you the most favorable rates on a mortgage.

    Types of Home Loans

    The two most common types of mortgage loans are the adjustable- and fixed-rate mortgages. A fixed-rate mortgage provides certainty in regards to monthly payment amounts since there is only one interest rate for the life of the loan. The disadvantage is that the borrower may be paying more in interest during a low-interest rate environment. On the other hand, an adjustable-rate mortgage, or ARM, provides variable interest rates throughout the term of the loan. The most common ARMs are those offered with a three-, five- or seven-year fixed-rate period, after which the interest rate becomes a floating rate. Another type of mortgage offered is the balloon loan. Interest rates offered with a balloon loan may be as low as those offered with an ARM, but the life of the loan is shorter–seven or ten years–at the end of which the entire loan amount is due.

    Qualifying for a Mortgage

    To qualify for a mortgage, a borrower must submit documents showing proof of income, employment, credit history, a summary of his monthly expenses, assets and liabilities. Lenders want to see a reliable stream of income, stable employment, low monthly expenses relative to income, and no adverse credit event such as a foreclosure, bankruptcy or delinquent amounts. A general rule of thumb is to limit fixed housing expenses, such as mortgage, utility bills and insurance, to approximately 28 percent of gross monthly income.

    Credit Score Effects on Mortgage Rates has compiled a table that illustrates the effects of credit score on mortgage rates. To qualify for the lowest interest rate on a conventional 30-year loan, a potential borrower should have excellent credit, with a 760 or above credit rating. Those with scores between 660 and 759 can still qualify for a decent loan rate, but anything below will result in interest rates that are at least two percentage points higher than the most creditworthy tranche. Those with the worst credit scores can expect to pay at least four percentage points higher in interest.

    Why Interest Rates Matter

    A good credit score can help you save money. An excellent credit rating will qualify you for the most favorable terms and interest rates a lender can offer, while a poor credit rating can result in thousands of dollars more in interest payments. Take for example a borrower who has a credit rating of 760. With his score, he could acquire an interest rate of 5 percent on his $100,000 mortgage. Over the next 30 years, the borrower will accumulate over $95,000 in interest payments. Meanwhile, a borrower with a score of 550 may only acquire an interest rate of 9 percent on the same $100,000 mortgage. Over the life of the loan, he would accumulate over $192,000 in interest.

    Preparing Your Credit Report

    Bad Credit Auto & No Credit Check Car Financing Phoenix & Mesa AZ #annual #free #credit

    #no credit auto loans

    EZ Pay Car and Truck is an Arizona buy here pay here car lot with two locations in the Greater Phoenix Metropolitan Area. In Phoenix, visit us at 1901 E. Indian School Rd. and in Mesa we are located at 5647 S. Power Rd. EZ pay Car and Truck provides Arizona residents with good clean, reliable used cars for sale. As an Arizona buy here pay here, we have been offering metro Phoenix Arizona used cars since 1955. We have helped 1000 s of satisfied customers that were in need of auto financing for bad credit and who had been to other Arizona buy here pay here car lots only to be disappointed with their choices or turned down because of their bad credit. Because we have been providing Arizona with auto financing for bad credit for so long, we understand the process can be frustrating and we are here to help make it a satisfying experience, providing you with a quality, reliable used car while also helping you to improve your credit score. We are here to help, placing you into an affordable used vehicle, structuring the deal into an affordable short term loan and enabling you to succeed in rebuilding your bad credit by reporting to credit bureaus regularly. Best of all, we offer On the Spot Financing!

    As an Arizona buy here pay here, we can provide you with on the spot financing for bad credit car loans and for all those in need of financing in general. Being an Arizona buy here pay here car lot and finance company, we do not rely on any banks to approve your Arizona auto loans for bad credit or anyone for that matter. Being an Arizona buy here pay here, our auto loan decisions are not based on your bad credit, but the overall picture and your ability to pay for the vehicle you choose. We are the bank and loan decisions can be made within minutes. Many Arizona auto dealerships claim they can offer bad credit car loans to you only to find out that they are just wasting your time, as they are relying on an outside finance company to approve your loan. Since we are an Arizona buy here pay here specializing in auto financing for bad credit and not just a generic nationally based loan application site. We do not have to rely on a bank for approval. We will never ask you to bring the car back because financing fell through. Also, because we are the bank, we can provide Arizona auto financing for bad credit to almost anyone, provided you can provide us with basic requirements. So please allow us to be your Arizona buy here pay here, providing you with your auto financing needs. It is our promise that we will do everything in our power to get you into a quality used car, with affordable payments, and on the road to rebuilding your credit in a positive way.

    All We Require For Qualifying is:

    • Proof of Income
    • Proof of Residence
    • 5-7 Personal References
    • Auto Insurance

    AT EZ Pay Car and Truck

    • EZ No Fuss Approval Process
    • Your Job is your Credit
    • Start Rebuilding your Credit Today
    • All Vehicles have a Multi-Point Safety Inspection
    • In House Financing
    • Drive away in a Quality, Used Car Today!

    The EZ Pay Car and Truck Difference

    • Comprehensive Safety Inspection on all Vehicles
    • Plates and Registration completed
    • We Report to Major Credit Bureaus so you can start improving your credit immediately!
    • Buy Here Pay Here! We ARE The Bank!
    • Over 55 Years in the Greater Phoenix Area
    • Flexible Payment and Down Payment Terms
    • Lowest Interest Rates in the Industry
    • Extended Warranties Available!

    How You Benefit

    • ONLY the Best Vehicles end up on our lot
    • We Help YOU Repair or Rebuild YOUR CREDIT
    • We Finance People, Not Cars
    • 10 min Credit Decisions
    • We will be here for you now and in the future
    • No Matter Your Situation we will finance you with the appropriate amount down
    • We Work within your budget

    Need a car? Call a friend at EZ Pay Car and Truck. We are your hometown Buy Here-Pay Here dealer.

    We Help Good People with Bad Credit

    That is why we offer no-gimmick sale and lease financing programs for your unique situation. At EZ Pay Car and Truck we offer some of the lowest rates and lowest down payments in the market. Let us show you how we can save you hundreds, even thousands of dollars over your auto finance term!

    Be sure to search our inventory for the vehicle you need. If you don t find what you are looking for just call us; we will do all we can to find the vehicle you need. Or stop by one of our two convenient locations and talk with our knowledgeable staff. They can walk you through the entire process.

    EZ Pay Car and Truck has two convenient locations in the Greater Phoenix Metropolitan Area. In Phoenix, visit us at 1901 E. Indian School Rd or for our East Valley location; visit us at 5647 S. Power Rd. Mesa, AZ.

    EZ Pay Car and Truck offers buy here pay here auto loans across the Greater Phoenix Metropolitan area. We do not use outside commercial lenders. We offer in-house financing to provide bad credit car loans and no credit auto loans. At EZ Pay Car and Truck we do not run your credit score, we evaluate each used car loan based on your current situation. Just apply online to get approved today. You can choose your next vehicle at either of our two buy here pay here locations and get on the road to your next car! EZ Pay Car and Truck is the premier Buy Here Pay Here / Special Finance Used Car Dealership in Arizona! Phoenix or Mesa Residents Can Get Credit to Buy a Preowned Vehicle. If you live in the Phoenix or Mesa area and have poor credit or have recently had your credit score lowered which is preventing you from purchasing a used car, you can buy a quality used auto here at EZ Pay Car and Truck. We understand that consumers are experiencing challenging time financially and EZ Pay Car and Truck has the solution. At EZ Pay Car and Truck we inspect all our cars and offer affordable, quality used cars. Our prices may seem “cheap” to some but that’s because we keep used car prices affordable. If you are looking for a used car in the Phoenix or Mesa area, our friendly sales staff can serve you better than anyone in the State. At EZ Pay Car and Truck, we believe in looking toward you future and not your past. We don t let your credit history stand in the way of purchasing a quality car, truck, van, sedan or SUV. We have helped Phoenix and Mesa residents reestablish their credit while driving a high quality used car. We have accomplished that service by looking toward their future and their desire to have a fresh start. We help good people with bad credit!

    Can Paying a Credit Card Bill Weekly Hurt My Score? #check #your #credit #score

    #credit card score

    Can Paying a Credit Card Bill Weekly Hurt My Score?

    Everyone knows that paying your bills on time is essential if you want to get or keep strong credit scores. But does the size of your payments affect your credit scores? Our reader Nicole asks:

    I ve spent the last year doing my best to clean up my financial snafus. One of the things that I did was get myself on a budget; as I am paid weekly, I broke down my bills into weekly payments and pay everything when I get paid on Fridays. It has taken the better part of the whole year to get everything under control, but with this I ve been able to pay off the smaller of my two credit cards and stay on top of my bills and not splurge on ghost money that is sitting in my account, waiting to be used.

    But when I look at my credit report, it is showing the weekly payment amount rather than the total amount paid. Does this affect my score badly as it looks like it is less than the amount required?

    I checked with Nicole to make sure that her credit reports don t list any late payments, and she confirmed they don t. I then turned to s credit scoring expert Barry Paperno for advice on how these smaller payments might impact her scores. Barry weighed in: If there s nothing showing as past due there won t be any negative impact to the score from making weekly payments. The FICO score doesn t look at the payment amount at all. Good question, but nothing to worry about.

    Jeff Richardson, vice president VantageScore Solutions concurs. As long as the lender is reporting the account as current during the previous month, and the weekly payments cover the minimum amount due, then there would be no impact from paying a bill weekly, he says.

    For many of our readers, I imagine the idea that the payment amount doesn t affect your scores will come as a surprise. In fact, I ve heard many myths about how payments affect credit scores over the years, such as:

    I pay more than the minimum on my credit cards; that must be helping my scores. Paying more than the minimum due may help your credit over the long run. Not only can it cut your interest costs. but it can help you pay down your balances faster. But it doesn t boost your scores immediately.

    I pay my balance in full each month so that helps my scores. This one can be tricky. Your credit report lists the balance as of the date the lender reported it, but there s no specific notation that indicates you paid in full. Depending on the timing of your payment and the issuer s reporting cycle, your account may list a balance even if you paid it off entirely when due.

    For anyone wanting to try Nicole s strategy, my advice is to proceed carefully. Make sure your issuer can accept multiple payments throughout the month and keep good records in case they mess up and count you as late. Always make sure you ve paid at least the minimum payment due each month to avoid a late payment on your credit. which can drop your credit scores significantly.

    Image: iStockphoto

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    Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights. and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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    You were really helpful last time so thought of asking you another Q on credit card debts and FICO.

    All 3 of my credit cards were charged off by the creditors in 2010. One of them sued me and I hired an attorney who helped me negotiate settlement. So I ve been making monthly payment since my financial situation has improved somewhat and it keeps getting better.

    But my FICO has not improved. So I m debating whether it s a good idea to even keep paying that monthly amount. And the total amount of all 3 debts are roughly $7,000 to $8,000.

    Not sure if bankruptcy is a good idea for such small amount.

    So what s your expert advice on how to raise FICO given my situation?

    Unsecured Credit Cards For Bad Credit #provident #credit

    #unsecured credit card for bad credit

    Debt Relief Companies


    Hello, I’m Scott. My research can help you find honest & reputable debt relief companies. I’ve met with the companies I suggest to ensure they provide REAL solutions.

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    Unsecured Credit Cards For Bad Credit

    Unsecured credit card debt is debt that is not backed up by actual assets unlike a mortgage for example, that is debt secured by your home. By definition, then, all credit card debt will qualify as unsecured. Because credit cards have been so easy to get and interest rates on unsecured credit lines are so high, it can be very easy to accumulate debt and get caught in a cycle that may take a lifetime to escape. There are many ways to get out of credit card debt but the route you take depends on your personal financial situation. How bad is it? If you budgeted better, could your income pay off more than the minimum payments each month? Another question to ask yourself in earnest is, how likely am I going to be able to set strict budgets for myself without outside help…and stick with them?

    Unsecured credit card debt consolidation is a tactic used to make your budgeting more manageable by consolidating your bills into a single monthly payment. This tactic is used by companies that offer the two primary types of debt relief solutions, debt management and debt settlement. Each solution ultimately has a different strategy they use to help get you out of debt however, they share the credit card debt consolidation characteristic.

    What are the differences? Debt management companies collect a single monthly payment from you and then they turn around and distribute that money to your creditors every month so you no longer pay your creditors directly. Your payment is budgeted to include lower interest rates with the goal of getting you out of debt often within 3-5 years. Debt settlement companies also collect a single consolidated monthly payment from you but they save it in a trust account. When enough money has accumulated in that trust account they the begin negotiations with your creditors on your behalf in hopes of a reduced one time debt payoff settlement. Here on my site,, you’ll find a wealth of additional useful information on these unsecured credit card debt consolidation strategies so you can find the best solution for you.

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    Unsecured Credit Card Debt Articles

    What Is Unsecured Debt?

    Basically any debt that is not backed by an asset is unsecured debt. When you buy a home, the bank gives you a loan that is backed by the home itself and you sign papers that state should you be unable to pay the bank back, the bank has the right to take over your home in lieu of payment. In that case the bank has foreclosed on your home and will sell it in order to get their money back. Of course this is a last resort for all parties involved and on that can sometimes be avoided through mortgage loan modification to avoid foreclose.

    The same is true of your car when you take out a car loan. These are examples of secured debts.

    That is why the interest rates and fees on credit cards are so high, because they are unsecured debt. It is also why you can negotiate unsecured credit card debt to try and reduce what you owe through a debt settlement program .

    How Debt Settlement Reduces Unsecured Credit Card Debt

    If you read this article about unsecured debt you will understand that credit cards are promises to repay with nothing to back them up (like a physical asset or other collateral). Because of this, they can be negotiated (like any other promise or contract) should the borrower have trouble living up to thier obligations.

    A debt settlement company acts as your negotiation agency and will attempt to reduce the amount of debt that you owe by negotiating with your creditors. There is a standard debt settlement process that you will go through on your way to becoming debt free.

    Debt settlement companies can usually get your creditors to legally accept less than you owe them sometimes up to 65% less but the results vary widely based on which company you use, your income, and your ability to remain on the program set up for you.

    Given your inability to repay everything you owe, your creditors are happy to get at least some of their money back on past due accounts so you end of paying less than you originally owed.

  • Business Credit Reporting Agencies – Companies Incorporated Business Formation, Corporate Credit and Incorporate #visa #credit #cards

    #free credit reporting agencies

    Business Credit Reporting Agencies

    Most of the time when it comes to business credit reporting, you will hear D & B, Experian and Equifax, however more credit reporting agencies are going commercial. You’ll notice business credit scoring, products and services that help business owners manage their credit profile and provide reports and data to those you may be extending credit to. We have put together a list of all credit reporting bureaus and agencies where you will find business credit services.

    When it comes to personal credit, Experian, Transunion, and Equifax are the three primary reporting agencies that keep track of and evaluate the personal credit histories for every individual. These agencies use personal Social Security Numbers to keep track of all the credit transactions and payment histories that are reported. These personal credit reporting agencies also generate a standardized score called a FICO score that can be used to evaluate the overall strength or weakness of someone’s personal credit profile. In order to come up with a FICO score, the agencies evaluate how much a person borrows and how well he or she repays their loans.

    Where a personal credit history is based on financial information provided by credit card companies, retail establishments, and financial institutions, a business credit rating is determined by information supplied by the business owner and gathered from a business’s vendors, suppliers, and other trade accounts. Much the same way the personal credit reporting agencies use Social Security Numbers for the individual credit histories that they track, these business reporting agencies use the Employer Identification Numbers (EIN) of those businesses in order to accurately report their business credit histories.

    When it comes to reporting and evaluating business credit histories, Experian, Transunion, and Equifax also have small business divisions that are devoted to tracking the business credit histories for every business and corporation.

    Experian is one of the three primary consumer credit reporting agencies who has also begun to provide credit evaluations for businesses and corporations. BusinessExperian offers a wide range of services, including Business Verification, Business Credit Scores, Business Credit Reports, Business Credit Monitoring, and Business Public Records. Experian’s Small Business Services also offers Consumer Mailing Lists and Business Leads.

    Here is the pertinent information you will need in order to contact Experian for questions related to business credit:

    Mailing Address


    P.O Box 9532

    Allen, TX 75013

    Phone: (800) 520-1221

    TRANSUNION is another of the primary consumer credit reporting agencies who also provides business and corporate credit histories. In addition to Business Credit Reporting, Transunion also provides assistance to small business owners through Marketing Services, Fraud and Identity Management, Risk Management, and Collections Management.

    Here is the pertinent information you will need in order to contact Transunion for questions related to business credit:

    Mailing Address


    P.O Box 6790

    Fullerton, CA 92834-6790

    Phone: (800) 813-5604

    EQUIFAX SMALL BUSINESS ENTERPRISE is the business division of one of the primary consumer credit rating bureaus. Equifax Small Business Enterprise provides business credit histories and evaluations for over 22,000,000 small businesses and corporations. In addition to Business Credit, Equifax offers assistance to small business owners related to Data Management, Data Reporting, Fraud, Marketing, and Risk.

    Here is the pertinent information you will need in order to contact Equifax for questions related to business credit:

    Mailing Address


    P.O Box 740241

    Atlanta, GA 30374-0241

    Phone: (888) 202-4025

    In addition to these three agencies that have their origins in personal consumer credit reporting, there are also several other business credit reporting agencies that are devoted solely to business credit reporting and evaluation. These business credit reporting agencies include Dun & Bradstreet,, AccurintRBusiness, and ClientChecker.

    DUN & BRADSTREET (D & B) is, without a doubt, the most well-known and established business credit reporting agency. D & B has compiled business credit profiles on hundreds of millions of global companies and corporations. In addition to Business Credit information, D & B can also assist small businesses collect debt from customers, find new customers, and research new opportunities.

    Here is the pertinent information you will need in order to contact Dun & Bradstreet for questions related to business credit:


    Phone: (800) 333-0505

    CREDIT.NET – is a division of InfoUSA that generates credit reports on over 14,000,000 businesses and corporations. 6,000,000 of the reports in their database have been completed on small businesses with four employees or less. With a business credit report, you can make better decisions on extending small lines of credit, locate data on small, privately-owned businesses, verify the existence of a business, and identify headquarters and lines of business credit.

    Here is the pertinent information you will need in order to contact for questions related to business credit:

    Mailing Address


    5711 S. 86th Circle

    Phone: (800) 993-5323

    ACCURINTRBUSINESS – This is a new business that is a combination of forces between LexisNexis, one of the leading providers of business services and information and the Better Business Bureau (BBB). With a business credit report from AccurintRBusiness, you can get all the information you need on over 150,000,000 small U.S. businesses in order to make better decisions on vendors, partners, customers and competitors. In addition to Company Profiles (including addresses, phone numbers, DBAs, etc.) you will also receive credit and payment data, public record data (such as bankruptcies, judgments, tax liens, and UCC, associated businesses and principals, and a Better Business Bureau membership report.

    Here is the pertinent information you will need in order to contact AccurintRBusiness for questions related to business credit:

    Mailing Address

    ClientChecker – This is a credit reporting bureau that started in 2003 and specifically targets small businesses, freelance professionals, and contractors seeking information to help them determine which other businesses they should do business with. ClientChecker Business Credit Reports provide a comprehensive summary of users’ trade payment experiences with their clients. Business Credit Reports are created when the users of ClientChecker and BillingTracker invoicing software report that their clients have paid on time, late, or not at all. The data from each user is combined to produce a business credit report of average days paid late, number of incidences of non-payment, and a PayQuo score.

    Consolidate Your Credit Cards Into One Payment #best #credit

    #consolidate credit cards

    Consolidate Credit Card Payments

    3 Ways to Consolidate Credit Card Payments & 2 Alternatives to a Loan

    There are three ways to consolidate your credit cards into one monthly payment, which we talk about below. However, before we explain how to consolidate credit card payments, a strong word of caution: You may not want to.

    You may not want to consolidate your credit card payments for two reasons. First, with one or more credit cards at a zero balance, you may be tempted to charge! charge! charge! your way back to a high credit balance. A credit card balance consolidation should accompany a change in your behavior. Second, you may pay higher fees and interest if you miss or have a late payment on your big-balance account. At, we encourage people to take positive steps with their money, and a credit card consolidation may not be the right choice for everyone.

    Balance Transfer

    The balance transfer credit card offers are available only on certain credit cards, and only well-qualified, high credit score applicants receive these offers.

    On cards offering a 0% rate for balance transfers, the 0% rate is for a limited time. If you do not pay off the debt you transferred onto the new card within the promotional period, the credit card issuer begins charging interest on the remaining balance. Balance transfers are not a feature of all credit cards, and most credit cards do not offer a balance transfer option. If you are trying to consolidate debt by transferring your current credit card balances to one account, you must shop for cards offering that feature and carefully review the terms of each card to determine which offer will save you the most.

    Cash-Out Refinance

    A cash-out refinance exchanges your existing mortgage loan for another with a larger balance. This is known as a cash-out refinance. The advantages of a cash-out refinance are the mortgage loan will almost certainly carry a lower interest rate than credit card debt, and is tax deductible. Paying off the credit card debt will result in a slight boost to your credit score.

    There are significant disadvantages to consolidating debt with a cash-out refinance. Shifting unsecured debt to secured debt can create a difficult situation if you cannot afford the new mortgage payment. You could put yourself at risk of foreclosure. Refinancing to a 30-year loan means the total consolidation cost could be very high, too. Of course, you could refinance to a 15-year loan that would have a low interest rate. If you can afford the payment, a 15-year loan would be a less costly choice for a debt consolidation refinance.

    Personal Loan

    Personal loans. also called a signature loan, are a loan based only on your promise to repay the loan. They are risky for lenders due to their lack of security (such as a house or car as collateral) and high default rate. As a result, most lenders charge high interest rates on personal loans, especially those for people with a low credit score.

    Using an unsecured personal loan to consolidate debt may cost more than continuing regular payments on your existing credit cards.

    Alternatives to Consolidation Loans

    Debt settlement is a debt consolidation strategy where you enroll your accounts with a debt settlement company. You stop making payments on the enrolled accounts and instead, make payments into a special bank account. Over time, the debt settlement company negotiates with creditors to reach lump-sum settlements for debts.

    The advantages of debt settlement are a relatively short time to debt freedom. Also, the monthly payments can be lower than monthly minimum payments for enrolled credit cards, and are always lower than credit counseling. The disadvantages are calls from creditors to encourage the consumer to resume payments and leave the debt settlement program. Also,typ your credit score is damaged during the program.

    Credit counseling is a process where you meet with a counselor to create a household budget. The counselor creates a debt management plan that divides your monthly payment among your creditors. A typical debt management plan last 5 years, and has a high monthly cost. The advantage to credit counseling is creditors do not call you asking for payment. Also, credit counseling has the potential to cause less harm to your credit score. However, this varies.


    A loan may not meet your needs. Consider credit counseling or debt settlement as alternatives to consolidating your credit cards into one monthly payment.

    Cards for Bad Credit #bad #credit #unsecured #credit #cards

    #credit card for bad credit rating

    Bad Credit

    Credit cards for bad credit are generally for those with a poor FICO score of 599 or less and who have paid late on their credit cards, loans, or other bills multiple times. Note that FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, your credit score alone does not guarantee or imply approval for any particular credit card offer. Below you will find our most popular credit card offers for people with bad credit. – Personal Loans $100 – $35,000


    Financial Tools & Resources

    *DISCLAIMER: strives to keep its information up to date and accurate. This information might deviate from what you see when you visit a financial institution, service provider or specific product’s site. All products and services are presented without warranty, and we encourage you to view the online services for further details about terms and conditions. When you click on the “Apply Now” button, you can review the terms and conditions on the issuer’s official website.

    Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. may be compensated through Affiliate Programs for referrals.

    Car Finance #boa #credit #card

    #car finance for bad credit

    Car finance applications

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    Car Finance Experts

    If you’re looking for affordable car finance. the Car Loan Warehouse has got you covered. We provide loans for new and used cars, and can even offer competitive bad credit car finance options for customers with poor credit scores.

    We work with an array of car finance companies and have experienced lenders on-board to help secure the finance for your dream car. So forget about your credit score – if you can make the payments, we should be able to sort it for you. And we won’t make you wait for our decision.

    Car finance options:

    Hire purchase agreement – this kind of car finance is secured against your vehicle, so if you’re looking for bad credit car finance. this could be the one for you. With a hire purchase agreement, you might not require a deposit and after this loan has been repaid, you’ll own the vehicle outright.

    PCP (Personal Contract Purchase) – this type of car finance requires you to pay a deposit, followed by a series of regular monthly repayments. With our PCP agreements, you’ll have the option to either return the vehicle or make an agreed payment to own it outright once your monthly repayments end.

    Unsecured loan – in some cases, you might find it more practical to arrange an unsecured loan. If you chose this option, you would be able to buy any car from anywhere, without any conditions.

    Applying for car finance with the Car Loan Warehouse couldn’t be simpler. Just fill in our online application form, and within 60 minutes, your application will be processed and we’ll have an instant decision on your car finance. Check out our car finance calculator  to see the kind of rate you’ll be paying for your finance, based on your credit score and the amount you’re looking to borrow.

    Have you already found a car?

    If YES, great – once we’ve processed your car finance application, we’ll just need the vehicle details, registration number, mileage and sale price – then we’ll be able to finance your car.

    Still looking? No problem – we can approve your car finance without a vehicle in mind, then just provide us with the necessary details once you’ve found your perfect car. We also provide in-house purchase guidance if you’re having trouble deciding.

    We know loan applications can be a stressful process, so we don’t make you wait. That’s why we process all car finance applications within an hour – and we may even be able to make the payment to the seller the day after your application is approved, so you can get straight behind the wheel.

    Credit Cards that do not Report Credit Limits to the Credit Bureaus #farm #credit

    #all credit report

    Beware: Some Credit Cards Don t Report Credit Limits

    Some credit cards do not report credit limits to credit bureaus, which can have a negative impact on your credit score; here s why and what to do about it.

    Most credit cards report three pieces of information to the three credit bureaus:

    • Your payment history
    • Last month s balance
    • Your credit limit

    Your payment history shows that you pay on time or not!

    Last month s credit card balance shows how much you owe on that card.

    Your credit limit shows how much you could borrow on the card.

    Between last month s balance and your credit limits, you can see how much of your available credit you ve used. That s important because a big part of your credit score is based upon how much of your total available credit you use. If you divide the total balance on all of your credit cards by the total credit limit on all of your credit cards, you get what s called your debt utilization ratio.

    The lower your debt utilization ratio, the better it is for your credit score. Less than 50 percent is good and less than 30 percent is ideal.

    Unfortunately, some credit cards do not report your credit limit to the credit bureaus. Carrying a balance on these cards could lower your credit score.

    What credit card companies do instead

    When a credit card company does not report your credit limit, they may instead report your high balance. That is the highest balance you have had on that card in a certain time period. That high balance becomes your credit limit for the purposes of credit scoring.

    So if you made a big purchase on your credit card (say $2,000) one month, paid it off, and then regularly only charge a few hundred dollars to that credit card, your utilization ratio will be okay. But if you routinely make a few hundred dollars in monthly purchases and never exceed that amount that credit card account could appear maxed out on your credit report (even if you pay it in full each month!) That’s not good.

    Why credit cards that don t report limits can be bad

    When your credit card company reports a high balance rather than your credit limit, even a small balance on that card can raise your utilization ratio and lower your credit score.

    Which credit cards do not report credit limits?

    I can’t provide a comprehensive list of all credit cards that don’t report your credit limits, but I do know of a few.

    Charge cards, such as the green, gold and platinum cards from American Express, don’t have credit limits. They report your high balance instead. This also holds true for many “no pre-set spending limit” credit cards. I have heard that certain Visa Signature cards may not report balances, but I can t confirm this.

    Do you know of other credit cards that do not report your credit limit to the credit bureaus? Let us know what they are!

    Want to ditch a credit card that s doing this to you and find a new one?

    Save or share! Email this page

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    Compare Credit Card Companies. #check #credit #score #free

    #credit companies

    Major Credit Card Companies & Banks

    If you are searching for credit card offers from a particular bank, feel free to review the comprehensive list of issuers presented on When browsing credit cards by bank. you can review particular bank’s card applications available on this site.

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    * The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the website are property of their respective owners.

    Please note that has financial relationships with some of the merchants mentioned here. may be compensated if consumers choose to utilize the links located throught the content on this site and generate sales for the said merchant.