April 16, 2008
Credit reports can be confusing-- how the information is compiled and how it effects your life. This article answers those questions plus many more, in addition to ideas on how...
April 14, 2008
Do you know what to do if your credit, insurance or employment application is denied due to your credit report? The FCRA provides guidance on what to do in these situations,...
January 2, 2008
Read at your own risk - these steps are guaranteed to ruin your credit rating and destroy your financial future faster than setting your wallet on fire!
November 30, 2007
High interest financing can keep a person in debt a lot longer than they need to be. Here are some simple easy to follow tips to reduce and eliminate personal debt faster.
October 17, 2007
Don't let credit cards control you - be in control of your credit cards!
February 20, 2007
A Federal Housing Administration (FHA) loan is a federally-backed loan designed to allow homebuyers to get into a new home with a low down payment. While not limited to first-time...
February 16, 2007
When looking for a new home, you have a number of options, including purchasing existing construction or building a new home to your specifications. If you choose to build, you...
February 16, 2007
A jumbo loan is a home loan that is greater than the loan limit set by the Federal National Mortgage Association (also known as Fannie Mae) and the Federal Home Loan Mortgage Company...
February 6, 2007
A debt calculator is a device you can find online which will help you figure out how long it will take you to pay off certain debts. Using a debt calculator is fairly easy and...
February 2, 2007
A poor credit score can be very damaging to an individual in a number of different situations. Poor credit can result in an individual being denied a loan for a car, a home or...
December 19, 2006
If you run into a situation where you need money immediately, an emergency cash loan may be your only hope. You can get emergency cash loans from a number of sources. Typically,...
December 19, 2006
When it comes to buying commercial real estate, financing is one of the most important parts of the process. Whether you're interested in buying commercial real estate to rent...
December 18, 2006
If you are planning to go to college it is likely you are already aware of how expensive it can be. While it is possible to go to school for free, for now, the loans you accrue...
December 13, 2006
The decision to consolidate your bills into one payment can be a very wise decision if you have numerous open accounts. Many people choose to consolidate because of the simplicity...
December 13, 2006
Making the decision to enroll in a debt management program takes a great amount of thought. There are numerous organizations with the label of debt management so you will want...
December 11, 2006
If you have a lot of debt and it feels like it's out of control or headed that way, you may want to consider enrolling in a debt management plan (DMP). Set up by debt management...
November 29, 2006
For most people, one of the most difficult parts of buying a house is being able to time the sale of your old home with the purchase of the new one. The equity built in your existing...
November 29, 2006
There are times in life when we all need a little extra money. Depending on your situation, a signature loan may be the right choice. A signature loan is an easy to obtain loan...
November 27, 2006
The average person has more credit card debt than he can handle. Unfortunately, due to interest rates and higher minimum payments, if a person only pays the minimum allotted payment...
November 25, 2006
People use credit cards for many reasons: to handle emergency situations, to pay for necessities when cash is short, to make special one-time purchases, to live beyond their means...
November 25, 2006
If you feel like your finances are out of control, you're not alone. Credit debt, mortgages, student loans, car payments: It all adds up for many of us. Sometimes figuring out...
November 23, 2006
When it comes to financial matters, there are times in everyone's life when something unexpected happens. In many cases, this means that money or the need for money will come into...
November 19, 2006
These days, many people are overwhelmed with debt. Realizing they can't get out of their financial problems alone, they seek credit or debt counseling. How does one go about getting...
October 29, 2006
Contrary to popular belief, having a bad credit rating is not a life sentence. You can take measures to fix your credit. Millions of people have succeeded in taking back control...
October 14, 2006
The average American family now has over $10,000 in credit card debt, according to recent reports. Many of these families carry the debt over a number of high interest credit cards....
October 11, 2006
Over the past few years, cost of living prices have increased to levels never before seen. As a result, retirement and fixed income living has become more difficult. Reverse mortgages...
September 22, 2006
If you're thinking of filing for bankruptcy, you probably know in the last two years, there have been major changes to the bankruptcy process. These changes are significant. For...
September 20, 2006
Credit repair services make confusing claims. They claim to be able to repair bad credit, leaving you with the impression that if your credit is legitimately bad, they can erase...
September 19, 2006
Whether you've decided to file for bankruptcy and want to learn more about the process or you're just considering bankruptcy and want to learn about the new laws relating to it,...
September 11, 2006
Bankruptcy is not a thing that anyone wants to go through, but is a decision many people face. The good news is that there may be one last thing you can try to avoid bankruptcy....
August 31, 2006
Don't swear off loans just yet-paying cash for everything does next to nothing to help reestablish your credit. The loans you'll qualify for after having bad credit aren't the...
August 21, 2006
If you're in over your head when it comes to debt, you might want to seek some professional help. Credit counseling sounds very inviting. But what is Credit Counseling, exactly,...
August 21, 2006
If you're applying to college or currently attending college, you or your parents may be eligible for a Direct Loan. These are government loans that will help defray the cost of...
August 21, 2006
Credit card applications are abundant nowadays. You can find them in banks, credit unions, department stores, supermarkets, and on websites. With so many cards competing for your...
August 15, 2006
Payday loans can be a great way to get a short term loan quickly when you are in need of fast cash. Getting a payday loan is also relatively easy, even for those who have...
August 5, 2006
Fixed rate loans are a popular option when it comes to borrowing significant amounts of money. A fixed rate loan allows you to budget a monthly payment for a period of time that...
August 5, 2006
For all their benefits and drawbacks, credit cards are a part of our culture. Nearly everyone has at least one card, and recent studies show the average American household to have...
August 3, 2006
Government loans are available through the FHA to those wanting to buy a home. FHA home loans help particular groups of people qualify for a home loan that they otherwise may not...
August 2, 2006
Bankruptcy can be a tough and painful decision that no one wants to make. Unfortunately, thousands of people every year are faced with this difficult reality. Chapter 7 bankruptcy...
August 2, 2006
Deciding between the two main types of bankruptcy -- Chapter 7 and Chapter 13 -- is the first step you need to make towards filing. Chapter 7 bankruptcy means that your assets...
August 1, 2006
Rebuilding your credit profile is important after a bankruptcy. The sooner you are able to establish good credit and show potential lenders that you can borrow responsibly, the...
August 1, 2006
Student loans are a great way to pay for your higher education. The best thing about many student loans is that you can receive a deferment of payments until you have been out...
July 30, 2006
If you own a home, chances are that you have built up equity. Equity is the difference between what the home is currently worth and the current principal balance of your home mortgage...
July 30, 2006
The last ten years have seen an unprecedented increase in home values. In many areas of the country, housing prices have more than doubled in that short period of time. As a result,...
July 28, 2006
Purchasing a new home stretches most people to the edge of their means. Fairly recently, it's becoming more common again to get an interest only loan. Typically, your mortgage...
July 26, 2006
Before most people begin looking for a new home, they first determine how much they can afford. An affordable mortgage rate will impact everything from the size of the home you...
July 26, 2006
When most of us purchase a new vehicle, we cannot pay for the car outright and we need to get an auto loan. The process of getting a new auto loan is often more intimidating than...
July 26, 2006
Most students struggle to pay off student loans after they have graduated from school. A few of the lucky ones have only one loan to pay off, but in order to finance their education...
July 24, 2006
Checking for and disputing credit report errors is important for anyone who wants to have her credit record look as good as possible. Errors and major discrepancies do exist on...
July 17, 2006
The largest purchase that almost everyone ever makes is the purchase of a home. Almost all home purchases must be financed through a financial institution due to the size of the...
