Below is valuable information related to debt, credit and finance. Reading this
information will help you get out of debt and keep future incidences
of debt from occurring. We organized the information into categories,
making it easy to comprehend. If you have any questions regarding any of the
information pages below,
General Unsecured Loan Info:
Requirements - Learn what is needed for an approval. Criteria
are going to be different for each applicant.
Borrower - Important to understand all angles of borrowing.
- Features information that will help you prepare for your financing
for Your Loan - There are things that you need to look out for
while in the market for your loan.
Scams - Don't fall victim to predatory lending.
Borrowing With Bad Credit - Although the rates you receive may
be higher than someone with good credit, it is still possible to get
approved for a personal loan with poor credit.
Advice for First Time Borrowers - Understanding what your budget is
will allow you to determine what amount and term are right for you.
the Most Optimal Rates - Following the advice on this page
should help you get the best rates possible for your request.
Loan Over the Internet - Nowadays, there are many different
sources that provide online financing.
Advantages of Personal Loans - Some of the major advantages
include lower borrowing amount, no closing costs and instant access
to your funds.
Make Sense - There are many times when refinancing your personal loan is a good idea.
However, there are also times when it is not.
Unsecured Debt Consolidation Loans - Friend or foe? Using a loan
to pay off debt can be a financial disaster especially for those
that have problems being financially responsible.
Dangers of Debt Consolidation Loans - Using a loan to pay off
debt can be dangerous. It is often a quick fix that ends up costing
you more money in the long-run.
Personal Loans - Tips to follow that you get the most
inexpensive loan for your needs.
Personal Loans for Getting Rid of Bad Credit - An unsecured
personal loan is a great means for improving a damaged credit
Compute Payments - Get an idea what you can expect for your loan
payment by inputting different borrowing amounts and loan terms.
Advance Fee Loan
Scams - Never pay any money up-front for a loan. Read more about
how to avoid loan scams and
spotting them as well. If you fall victim, learn
Loan Aspects to Avoid - There are loans that will have terms
associated with them that you are going to want to avoid.
What Happens When I Default? - Even though you are not securing
your loan with collateral, there are still serious consequences to
defaulting on your loan.
Lending - Lending programs that are designed for consumers that
are interested in lending money.
Investing in P2P loans is not always a good idea since
person-to-person loans have problems associated with them.
Bank Loans vs.
Online Loans - Overall, applying for an online loan is going to
be more convenient and an overall more pleasurable experience.
Credit Cards vs. Personal Loans? ---we vote loans!
Loans - Use collateral to get a no credit check loan. Don't pay
and lose the item.
Get the Best Price for Your Pawn. The
history of pawn shops is interesting.
Are Personal Loans a Bad Idea? - Loans are not the ideal
solutions for all situations.
Beyond Our Means - Don't borrow for vanity items.
a Wedding - Pay for some of your wedding with a loan, not the
Stocks - Investing is a gamble to begin with.
Understanding Personal Loan Interest Rates - The interest rates
you receive for your loan are going to be determined by three major
Why Are Personal Loan Interest Rates Higher? - No collateral =
higher risk = higher interest rates
APR - The annual percentage rate determines the cost of your
Paying Taxes On Personal Loan Interest You Receive When Lending
Money to Friends or Family - You are going to be required to pay
taxes on any earned revenue from interest.
Factors That Determine Interest Rates - Every applicants
interest rate is going to be different.
The Loan Programs We Offer:
Loans - Borrowing without collateral is one of the most convenient
methods for obtaining fast cash.
Debt Consolidation Loans - If you have excessive debt, you can
consolidate by means of a personal loan and save money.
Personal Loans for People with Bad Credit - We offer a variety
of financing programs for those that need a second chance.
for Adoption - Make your dreams of being a parent come true!
- Ensure a speedy, hassle free adoption.
Is Adoption Right For Me? - Issues that may be a concern for
to Adopt a Child - Adopting a child can be quite costly.
Loans - No matter what your intent is, you can get the financing
you need to startup a new business or advance an existing one.
You should be
prepared when considering opening a
first, new business.
Buying an Engagement Ring - Proclaim your love for your woman
with that special ring.
for Buying an Engagement Ring
Much Should I Spend On An Engagement Ring?
Financing - Make sure that special day has all of the
amenities you and your loved one need and want to make memories that
last a lifetime. We'll also teach you how to
affordable wedding. Don't be afraid to ask family for help
paying for your wedding.
Recreational Vehicles - Whether you are looking for financing
for a boat, motorcycle, ATV or snowmobile we will get you the cash
you need so that you can enjoy your special hobby.
Shopping - Get the cash you need to buy the gifts you want for
your friends and family.
Shopping Tips - Learn how to
Christmas budget, save money, time and stress! Get the best deals
last minute Christmas shopping.
Programs for new and used car purchases. Buy from a dealer or
private seller. Avoid
buying mistakes and obtain
tips for getting
the best auto loans. You should determine
to spend on your new car purchase prior to doing any shopping.
There are several
advantages to buying used. Information on getting
loans with no credit.
Student Loans - A wide variety of Private loan options for those
Mortgages After Bankruptcy
- A second mortgage is great for rebuilding credit.
No Credit Check
- Short-term loans designed to help those satisfy short-term
- Short-term loans, also known as cash advances, designed to help
satisfy emergency situations.
Financing - Funds received upon our receipt of an execute
What is a
signature loan? Are there
risks with signature loans.
Loans for People with No Credit - Get the cash you need while
building good credit! Learn how to go from
no credit to good credit.
Unemployment Loans - Borrowers have limited options when it
comes to getting money while having no job.
Get help finding a job. Once employed, do what you can to ensure
your job is
Computer Loans - Financing for new and refurbished laptops and
desktops. Great programs for students! Get some
buying tips and learn how to
save money when buying a computer.
Lines of Credit - These types of loans offer a reusable source
of financing. Get more info about the
pros and cons of a line of credit.
is a Line of Credit?
of Credit Vs. Credit Cards
of Credit Vs. Lump Sum
Loans - Take that well-deserved vacation. Information for
cheap vacation deal. Don't become a victim of
travel scams. Excellent
vacation loan benefits. Plan a trip you can
Loans - Obtain relief from the taxes you owe and save money too!
Taxes on Tips - How you should report the tips you earn to the
for Paying Income Taxes - Info differentiating between W-4s and
for Avoiding an Audit - Make sure you file your return properly.
To Do If You Are Audited - Several key steps to take.
Fast Cash Loans -
Ideal for short-term needs.
Cash Loans - When you need extra cash for unexpected
emergencies. Also feature
emergency personal loans. Eliminate the potential of being in a
financial bind by creating an
emergency fund. But, doing so will entail learning
how to save for in ways you probably have not done in the past.
Loans for Paying Medical Bills - Don't let unexpected medical costs put you in over your head in debt.
medical bills costs.
Plastic Surgery Loans - Get beautiful.
Makeover Loans - Get your pre-baby body back!
-Choosing a Plastic Surgeon
- Find a reputable doctor that can satisfy your needs.
Surgery Trends - Lots of new innovative procedures.
Instant Decision Loans - Fast cash...
Installment Loans - Loans that offer set payments over the life
of the loan.
Lending Money to Family:
- Make sure that any loan that is issued does not put any strain on
Ask Yourself - Before you decide to lend money to a relative,
you need to ask yourself a few basic questions.
Promissory Notes - A promissory note is an agreement of the
terms and re-payment schedule between a lender and borrower.
Borrowing from Family - In the event that you need some extra
cash for an unexpected emergency, you should consider asking family
to borrow money from.
10 Reasons Not to Lend to Friends - Lending money to friends is
not a good idea.
Without Giving Money/Loans - Money is not always the answer for
helping those that need assistance financially.
Saying No - Relaying a decline can be hard.
Co-signing a Loan - There are many risks involved with being a
loan co-signer. Analyze them all carefully.
Should I Co-Sign a Loan? - Some serious questions you should ask
Getting a Personal Loan With a Cosigner - Consider finding a
cosigner for your loan if you have poor credit.
Co-Signing is a Bad Idea - Rarely is co-signing a good idea.
How To Remove Myself From Being a Cosigner - Your options are
Loans - Practices to follow that will ensure you get the best
Application Tips - 5 helpful tips that will help maximize your
chances of approval.
Dangers of Payday Loans - These types of loans have very high
interest rates associated with them and should be used carefully.
Using Payday Loans Wisely - Tips for smart and effective use of
You Shouldn't Use a Payday Loan - Not all circumstances require
a the use of a payday loan.
Payday Loan Interest Rates - Interest rates associated with
payday loans are typically tripe digit.
When Are Payday Loans a Good Idea? - For paying unanticipated
Benefits of Payday Loans - How will a payday loan be beneficial
Why Is My SSN Needed? - Although no hard pull of your credit is
performed with these types of loans, your ssn is needed for
FICO Scores - Derived by Fair Isaac, your credit score is one of
the most impacting influences in your life. Educating yourself with
info about how
credit scores are computed is very important.
Importance of Getting Your Credit Report Yearly - You want to
make sure that the information being reported by all three agencies
is accurate and current.
Your Credit Report - It's important to understand what all that
Fixing Your Credit - Learn what the proper steps are for
removing misinformation from your files. This includes
how to write a dispute letter. We offer a
free sample dispute letter for consumers to use.
Understanding the Effect of Too Many Inquiries - Multiple
inquiries in a short time frame will hurt your credit.
of Bad Credit - Having poor credit is one of the most
detrimental impacts on your life.
What Are the Most Difficult Items to Remove? - When looking to
fix your credit, some things are going to be more difficult to
remove than others.
Credit Report FAQ - Features answers to some of the common
questions related to credit reports.
Credit Scores - Get a free trial that will
allow you to obtain your credit report free.
There are several key
to getting your free credit scores.
Making Sure Your Credit Report is Accurate - Several key tips on what you can do to make sure your credit report is accurate.
Things That Hurt Your Credit - Practice smart credit now so that
you don't have to spend years repairing your credit.
Report Secrets - Credit card balances reflect the same as paying
your debt in full every month.
Long Do Negative Marks Stay On My Credit Report? - Different
items will remain for varying times.
Repair Companies - Services offered to help consumers remove
negative items off their credit reports timely and effectively!
Get a free, no obligation evaluation for credit repair.
- One of the most important practices and most difficult to
Loans for Paying Off Credit Cards - Get rid of high interest credit cards with a personal loan.
Kinds of Debt - Not all debt is bad. Learn the difference between good debt
Implications of Debt Issues - Being able to spot the signs of debt troubles
is one of the most important steps to become fiscally responsible.
Impact of Good
Budget Planning - Developing a strong budget offers a variety of money
Budgeting - Its not easy to pin-point where you should change your spending
Effects of Overspending
- Spending more money than you have is financial suicide.
In Spending Habits - Features information on how consumer spending has
changed over the years.
Fixed Expense vs. Discretionary Expenses
- There are some costs that don't change every month, i.e. mortgage, car loan,
etc.. While others do, i.e. phone bill, utilities, etc..
Find a Credit
Counselor - A good advisor can help you get out of debt quickly and hassle
free and teach you how to prevent future debt from occurring.
Saving Money When You
Have Kids - Children are expensive. Page features information on things you
can do to entertain your child that cost a penny.
Saving Money While
Shopping - The grocery store is a cost the can get out of control if you are
on Family Fun - Take the family out without spending any money.
Dealing With Creditors
- When you don't pay your bills on time, you will find your creditors calling
you wanting to get paid.
Dealing With Collection Agencies
- Accounts that are overdue several months are going to be sent to collections.
Paying Off Credit Card Debt - Technique must be used when paying off
multiple credit cards.
Understanding Debt-to-Income - Your debt-to-income ratio is one of the most
influential aspects of your ability to get approved for loans and credit.
Debt Consolidation Programs
What is Debt
Consolidation? - A great option for getting rid of debt.
Downside of Debt Consolidation - As with any process of eliminating debt,
debt consolidation has its downside.
Questions to Ask a Debt Consolidation Company - There are a few questions
you should receive concrete answers to.
What is ChexSystems?
- Any negative banking activity is going to be reported to ChexSystems.
Erroneous Info Off ChexSystems - It is important to be proactive and take
the steps for getting errors removed from your ChexSystems file.
Banks That Don't Use ChexSystems - There are not many but they are out
Second Chance Checking Account - These types of bank accounts have limited
functionality but will help you improve your banking rating.
Paying Bills - The art
of paying bills is a learned strategy that takes time to master.
How Not to Pay Your
Bills - Practices not to follow.
Paying Medical Bills - Options for paying the unexpected medical bills.
Organizing Bills - Organization of your bills will help you maintain control
of your debt.
About Money - The earlier you start educating your children about
managing their money, the better. But there are some
topics that should not be discussed with kids.
How to Save Money - Not an easy task.
Kid's Clothing - Sears has a program called
KidVantage that offers 15% discount on all clothing and sneaker
Groceries - If you can master saving on groceries,
you will save a tremendous amount of money.
How to Find Coupons - There is a coupon for everything. You
just need to know where to find them!
Monthly Expenses - By reducing monthly bills
you will be saving annually!
Movie Tickets - Going to the movies is
expensive! But it doesn't have to be!
Pet Care - Having a pet is not cheap. However, you
can reduce your pet care expenses and ensure a healthy pet.
Mother's Day Gift - Find something that will fit your
Prioritizing Spending - Determine what is a necessity and
what is not.
Tips for Changing Spending Habits - Regaining control means
changing the way you spend your money.
Controlling Spending - Know where your money is going.
Preparing for a Business Loan
- Having all of your paperwork and ideas ready will impress lenders.
Against Your Business a Good Idea?
- Evaluate the pros and cons of using business equity for
Business Debt - In order to run a successful business, it is important that
you know how to manage your debt.
Work-Related Costs - There are always going to be areas where you can
tighten your belt and save some money. You need to know where to look.
Your Personal and Business Debt - A common pitfall business owners fall into
is allowing their personal finances to mix with their business.
Business Loans - If you are looking to expand your business or start a new
one by means of financing, it is important that you familiarize yourself with how
business loans works.
Filing Bankruptcy - We work
with a network of attorneys that can get help you with your filing.
Get a free bankruptcy evaluation today.
to File Bankruptcy - Learn the seven steps involved when filing bk.
Is Bankruptcy Right for You?
- Evaluate the pros and cons and determine
if this debt controlling method is your best option.
Types of Bankruptcies
- Familiarize yourself with what the difference is between the different kinds
of BKs are.
and Answers - Analyze some questions and answers related to this tricky
Stays - An automatic stay will put a stop to creditors looking to collect
Getting Credit After Bankruptcy - Consumers that file for bankruptcy need to
be aggressive in the credit building tactics post bankruptcy.
Applying for Credit Cards After Bankruptcy - A credit card is a great means
for building credit.
Non-Dischargeable Debts - Certain debts can not be wiped out when you file
Bankruptcy - Bankruptcy will have impacting negative long-term effects on
your credit and should be a last resort for eliminating debt.
Bankruptcy Alternatives - There are options for getting rid of debt that
should be explored prior to filing BK.
Foreclosure Basics - Anyone involved in any sort of real estate transaction
needs to read about foreclosure.
How Does Foreclosure Effect Credit - You can expect your credit score to
drop 200 points or more as a result of a foreclosure.
How to Avoid
Foreclosure - Banks don't want to force a foreclosure. They will work with
you to try and help you avoid a foreclosure first.
- Get the basics about your credit.
- Offers steps you can take to rebuild a positive credit history quickly.
With Mortgages - Homeowners have the advantage of utilizing a second
mortgage for improving credit ratings.
Secured Credit Cards
- Unlike unsecured card offers, you must deposit money into your account when
using a secured credit card to guarantee your payment.
Developing Credit With
No Credit - Features insightful information that will help you develop a
strong credit history if you are currently lacking one.
Personal Loans for People with Bad Credit - There are many different loans
that will help you achieve your goals.
for Those Under 21 - Getting as early as you can is a good move. Parents
should learn how to
teach teens about credit.
Avoid Becoming a
Victim of Identity Theft - Take the steps necessary to avoid falling prey to
Detecting Identity Theft - There are several obvious signs to spot when you
are a victim.
Children and Identity Theft - Children have become a favorite target for thieves.
Seniors and Identity Theft - As a result of their age, seniors are
vulnerable for becoming prey to identity thieves.
Phishing - Email is used to get consumers to click thru to a fake website
where you input your personal info.
Do If You are a Victim of Identity Theft - The steps to correcting this
issue may be tedious but must be done.
Economic Crisis Learn how you can help yourself.
Dealing with a
Slow Economy - When times are bad, there are things you can do to ensure
that you and your loved ones are safe.
Keeping Your Job
- No job is secure during slow economic times. Do what you can to ensure that
Investing When the Market is Bad - If possible, you should always continue
investing into your 401k.
History of Credit
Cards - Credit cards have been around since the early 1900s.
of Credit Cards - There are many different options of credit
cards, all with different incentives and rewards.
Fine Print! - It is very common for issuers to hide information in the fine
print of their applications. If you not careful, you may end up with a card that
is going to cost you more than expected.
Card Use - Credit cards offer great spending power. However, if you are not
careful, you will end spiraling out of control in debt.
Bad Credit Credit
Card Tips - You want to make sure that you apply for a credit card that will
help you rebuild your credit without costing you too much in interest and fees.
Cards - Unless you have debt problems, cancelling a credit card is likely
not going to help you in any way.
Student Credit Cards:
Learning to Manage
Credit Cards - Managing a credit card while a student can be a very
Using a Student Credit
Card - Credit cards offer great spending convenience but need to be used
Avoiding Student Credit Card Debt - Falling into overwhelming debt is a
major problem for college students.
Home Mortgage Loans:
- Prepare yourself so that achieve a speedy hassle-free loan. Learn about
home equity loans.
New Home Loans
- Learn what you can do to ensure that you get approved for the loan you are
Cost of Home
Loans - Pre-determine what you can expect to pay for your financing.
Equity Loans for
Buying an Automobile - It is very common for homeowners to use the equity
from their home for the purchase of a new car.
Guide for Secured
Loans - Get educated about secured financing works.
Apply Now -
How It Works -
Approval Requirements -
Credit Help Info -
Types of Personal Financing Opportunities Offered:
Personal Loans -
Credit Personal Loans
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