At some point in life, it is almost guaranteed that you will be applying for a loan of some sort. Paying cash for products and services is not only becoming obsolete, it’s terribly inconvenient. Today, credit is a way of life, and as more and more people begin to shop online, plastic is the currency accepted everywhere.
Loans, Mortgages, Debt Relief
There are so many reasons to get in touch with a loan broker, it isn’t surprising that you should find yourself in need of one. You may be finally ready to own your own home after years of renting, or you may be looking to refinance your mortgage to take advantage of low rates. You could be thinking to take out a loan for a new car or motorcycle, or to put an addition on the house, or to take your honey to Hawaii. A personal debt consolidation loan can help you pay off mounti…
Loan Applications What Rate?
The introduction of personal pricing into the loan market has caused confusion for the consumer regarding exactly what rate theyre likely to be quoted when it comes to a loan. Add to this the fact that if they fish around for quotations for alternative rates theyll be penalised for making too many loan applications and the state of affairs is far less then satisfactory.
Looking In To Consumer Debt Counseling
A lot of different debt consolidation agencies who purport to be non-profit agencies really do stand to make a profit at the expense of people in need of debt counselling, according to a recent report. Although these companies claim to bne non-profit, thus benefitting the people in need of their service over the business as a whole, many have been found to charge high fess to most of their customers. In addition, the consumer debt sounceling that some offer have been found la…
Making A Debt Management Plan For Credit Repair
Since it has become very difficult to purchase anything without a credit card, one consideration to helping raise a credit score, and ultimately a credit rating when you are having trouble getting a credit card is to get a pre-paid card. Many lenders offer a pre-paid Visa or Master Card, which for all purposes look and work just like credit cards. The main difference is, instead of purchasing things strictly on credit, you make a deposit into a bank account that secures the a…
Its Not Me! Preventing And Dealing With Identity Theft
Its one of the fastest growing crimes in the country, and most victims are unaware theyve become a target until long after the crime is committed. Were talking about identity theft. In todays world, information travels faster than ever, and that includes your personal information. If it falls into the wrong hands, your personal info could be used to acquire credit cards, loans, or to open accounts.
Judgment Proof, Credit Repair And You
Being deeply in debt usually means that the credit rating is also badly damaged. For some folks in this difficult position, doing nothing could be an effective way of dealing with their loans and credit situation and this is where the clarification of the term judgment proof comes in.
Just Shred It — Protecting Your Identity
There are few things just as disturbing as the thought of having your identity stolen. All a criminal has to do is get a hold of a few of the right numbers and words, and they can take over your virtual and financial life, burying you in debt that you had no hand in incurring and ruining your credit. It can take years and a lot of money to get everything sorted out, and afterwards youll never feel quite as secure, knowing just how bad things can get if you arent careful.
Keeping Away From The Joneses: Avoiding The affluenza Epidemic
So youre out mowing your lawn one day. You happen to glance up from your beat-up old mower across the street, where your neighbor is pulling into his driveway in a brand new luxury sedan while a team of hired gardeners carefully manicure his lush green yard. You dont get it. His house is the same size as yours and you know the jobs that he and his wife have arent anything special. How does he have so many more toys than you? How can he afford them?
Keep Identity Thieves At Bay
Weve all heard cautionary tales about identity theft. Why, then, do so many of us assume that it will not happen to us?
Keep Your Precious Credit Rating Intact
It is often said that the most important possession a person is their reputation and good name. Your credit rating is attached to your name and follows you wherever you go in North America be it New York, Chicago, Edmonton Alberta or Vancouver Canada. A credit rating is like a mirror- wonderful to look at when clear, but not very helpful of useful is damaged or sullied.
In What Order Should You Pay Back Loans?: Or, When Do I Pay Back My Car?
If youre like most Americans, you have quite a few bills to pay. A car loan, credit cards, maybe even a mortgage. If you have extra cash, when you should pay it back?