Are Your Loans Hurting Or Helping Your Credit Rating?

You can read a lot about how loans affect your credit rating. Some say that getting a loan will prove you are a good credit risk while others say that debt can hurt your ability to get more credit. The fact is that loans can both help and hurt your credit in different ways.
Good Debt
The good...
Are Your Loans Hurting Or Helping Your Credit Rating?

What Are Bad Credit Rating Loans?

If you have bad credit, you may find that it is difficult to get loans through conventional lenders such as banks or credit unions. However, there are bad credit loans available for those people who have had problems in the past.
There are several things about loans for people with bad credit...
What Are Bad Credit Rating Loans?

Can The Problem Of Excessive Credit Card Debt Be Resolved?

If you have a lot of credit card debt, you may feel overwhelmed. You may wonder if there is an end in sight. Will you ever see the day when you will be debt-free? While this is possible, it can seem like an unreachable dream when you look at your credit card statements. Here are some tips to...
Can The Problem Of Excessive Credit Card Debt Be Resolved?

What Are Poor Credit Secured Loans?

People with a history of not paying debts are considered to have bad or poor credit regardless of why they were not able to pay. They are also considered to be a higher risk for new financing or credit because creditors aren’t sure if they will make their payments until the debt is paid in...
What Are Poor Credit Secured Loans?

Can Paying Off Debt Raise Your Credit Score?

Paying off debt can raise your credit score because it shows that you are a person who doesn’t need credit to pay bills. It also shows that you can handle debt and be responsible. If you have your credit cards maxed out and owe a lot on car or personal loans, paying down the balances will...
Can Paying Off Debt Raise Your Credit Score?

What Are Debt Consolidation Options?

When you have more debt than you can afford or you begin missing your monthly payments, you may begin looking at alternatives to resolving your debt. You may hear about debt consolidation options and wonder what choices are available to you. Here is a look at debt consolidation and how you can...
What Are Debt Consolidation Options?

Can My Medical Records Affect My Credit Score?

Medical records are confidential but that doesn’t mean they can’t affect other aspects of your life. Many people make the mistake of not paying attention to their medical records or verifying information. While it may not affect them immediately, inaccurate or negative medical...
Can My Medical Records Affect My Credit Score?

How Do Used Car Loans Work?

If you are planning to buy a used car and don’t have the cash on hand to pay for it, you’ll need to find a lender who provides used car loans. You generally have two options for financing a used car. You can go to a dealer or car salesman and let them find the financing for you or...
How Do Used Car Loans Work?

How to Get a Good Credit Score Through Credit Repair

If you have decided to tackle the issue of your damaged credit, you may be wondering how to get a good credit score through credit repair. This is a process that will take some time and not happen overnight. However, you can see your credit improve over time. Here are some steps you need to take...
How to Get a Good Credit Score Through Credit Repair

How to Avoid Going Back Into Credit Card Debt

You’ve worked hard to pay off your credit cards and have seen your credit scores rise. You may even qualify for better credit cards, such as those with rewards or a lower APR. So, now the next thing to learn is how to avoid going back into credit card debt after working so hard to get out...
How to Avoid Going Back Into Credit Card Debt

How Can I Get Out Of Credit Card Debt?

Have you looked at your balances lately and wonder, “How can I get out of credit card debt?” If you feel frustrated at the numbers you see, don’t give up. You can get out of credit card debt. Here are some tips to help you get started.
First, you need to know the facts. This...
How Can I Get Out Of Credit Card Debt?

Can I Get Out Of Debt On My Own?

If you are in serious debt, you may hear about these debt consolidation companies or other agencies that promise to help you get out of debt. When you hear about the cost of such assistance, you may wonder, “Can I get out of debt on my own?” The answer is “yes” but only...
Can I Get Out Of Debt On My Own?

How to Pay For College Without Student Loans

Graduating college is important to many people, but it’s not necessarily a good idea to accrue debt especially if you do not have credit established. Try to figure ways to pay for your education without taking out loans. Going through college without debt can be very refreshing and will be ...
How to Pay For College Without Student Loans

How Does a Credit Score Financially Affect an Individual?

By having a credit account, you are using another person’s cash as payment for your acquisitions. In addition, it also shows that you are promising to pay off the cash to the agency or person that lent you the amount.
It is normal for the issuing agency to inspect your credit worthiness....
How Does a Credit Score Financially Affect an Individual?

What Should You Do After A Discharged Bankruptcy?

More and more people are filing bankruptcy to reduce or eliminate many of their personal debts, though it is much more difficult than it was before the Bankruptcy Abuse Prevention and Consumer Protection Act was enacted in 2005. But once a judge finalizes or discharges your case, your life can...
What Should You Do After A Discharged Bankruptcy?

How Does BAPCPA Affect People?

There are 2 sides to the adjustments in personal bankruptcy regulations known as the Bankruptcy Abuse Prevention and Consumer Protection Act or BAPCPA.
Since 2005, it certainly has been a whole lot more challenging to file personal bankruptcy under chapter 7 and obtain an absolutely tidy...
How Does BAPCPA Affect People?

My Credit Score Is Low, How Do I Fix It?

An essential factor that plays a crucial task in maintaining a clean credit history report is actually the contents of your credit history record. The credit rating record is practically the story of your financial life and could lead you to ask questions such as, “my credit score is low, ...
My Credit Score Is Low, How Do I Fix It?

Can You Get Loans For Real Estate Investments?

Second homes account for a full 40 % of all homes sold in the United States. According to a current yearly report by the National Association of Realtors (NAR), 27.7 % of all houses purchased were financial investment residential properties and 12.2 % were vacation homes.
If you are thinking...
Can You Get Loans For Real Estate Investments?

How Can I Repair My Credit History?

Mending your credit history involves eliminating the unfavorable record info and catching up on your delinquent expenses. This can improve your credit history rating. It can be challenging to figure out where to begin. However when you obtain your goal of a better credit score, it will be worth t...
How Can I Repair My Credit History?

Do No Cost Balance Transfers Really Exist?

The following facts may make you reassess your perspective of those advertisements of absolutely no interest rate balance transfer deals. Charge card debt is rising at a scary rate and many individuals are now getting into severe economic trouble. One of the reasons is the advertising of no cost ...
Do No Cost Balance Transfers Really Exist?