How a Bad Credit Loan Can Improve Your Credit Score
Post

How a Bad Credit Loan Can Improve Your Credit Score

The title of this article may seem a little unorthodox- if you have bad credit, taking out loans for bad credit may seem like the last thing you should do to improve your credit score. If treated responsibly however, a bad credit personal loan can be the first step you take on the road towards...

Posted by January 31, 2018April 3, 2018
The High Cost of Identity Theft
Post

The High Cost of Identity Theft

There are multiple costs a victim of identity theft pays: Financial—how much they are going to spend on best effort legal services and fees to dispute unauthorized transactions, repair their credit history and score, and restore their professional reputation. Depending on your career of choice, being a victim of identity theft does not compliment your...

Posted by November 4, 2017April 3, 2018
Why Don’t I Qualify? Debt-to-Income (DTI) Ratios
Post

Why Don’t I Qualify? Debt-to-Income (DTI) Ratios

Companies that lend unsecured personal loans make their qualifying decisions according to a loan applicant’s three important financial histories: credit, employment, and income – each an industry standard. And the most important history – income, because it includes the Debt-to-Income (DTI) ratio. DTI is a calculation used to determine the percentage of monthly income a...

Posted by July 12, 2017April 3, 2018
Credit Cards and their Benefits
Post

Credit Cards and their Benefits

Credit cards are an important, even necessary part of a consumer’s personal finances. They allow their cardholders to more securely shop stores online – anywhere in the world, and make purchases in the local mall with convenience and security. And for you to make the most of the benefits credit cards offer, you should understand...

Posted by June 12, 2017April 3, 2018
Beware the Advance-Fee Loan Scams
Post

Beware the Advance-Fee Loan Scams

Advance Fee Loan Scams: What to Watch For Offers for loans that require applicants to first wire money, make a credit card payment, or send a money order, check, or cash as part of the lending process may be scams. So, unfortunately, it is a common problem in the lending industry. Advance-Fee scams typically involve...

Posted by December 4, 2016April 3, 2018
What is a Secured Loan?
Post

What is a Secured Loan?

 What is a Secured Loan? The terms and conditions for a secured loan vary from lending company to lending company. They are loans that require a borrower to back his or her creditworthiness, the consideration given to a borrower’s likeliness to repay a loan, as a form of collateral. Collateral is a kind of property...

Posted by December 2, 2016April 3, 2018
Why Credit is Important
Post

Why Credit is Important

 Why Credit is Important Personal Credit Anyone wanting to obtain a sizable loan, like a home mortgage, will need credit. More specifically, personal credit, and it is an unavoidable requirement in the lending process. Personal credit is comprised of several different factors: a borrower’s repayment history – whether or not they have been making their...

Posted by October 14, 2016April 3, 2018
Using Personal Loans to Rebuild Credit
Post

Using Personal Loans to Rebuild Credit

 Rebuilding Credit With Personal Loans Are you looking for personal loans to rebuild your credit? There are many different options available to you to rebuild credit after a personal financial setback. Your professional and personal circumstances will determine which options you’ll pursue to rebuild credit, as will choosing if accounts with slow pays and late...

Posted by September 7, 2016April 3, 2018
Bad Credit Increases Borrowing Costs
Post

Bad Credit Increases Borrowing Costs

Unsecured personal loan lenders charge borrowers with bad credit higher interest rates—it’s a standard industry practice called charging a risk premium. If you have experienced financial difficulties in the past that have negatively affected your credit history, you should expect higher borrowing costs, and prepare to resolve them. Knowledgeable loan consultants may advise you to...

Posted by September 3, 2016April 3, 2018
How to Make the Most of Your Budget
Post

How to Make the Most of Your Budget

 Making the Most of Your Budget  Consumer Budgets There are two basic consumer budgets: the individual budget and the household budget. Both involve administrative requirements: short and long term forecasts for expenses and income, and tracking all spending to ensure they are adhering to the agreed to budget. Planning guides and software programs are available...

Posted by August 13, 2016April 3, 2018
  • 1
  • 2