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Borrowing

Student loans, mortgage loans, car loans. Chances are you'll have to borrow money at some point in your life. Our articles help you navigate the labyrinth of borrowing options so that you can make the most of your credit while also borrowing wisely.

How To Understand Credit Reports

 
 
 
 
 
April 16, 2008
Margaret Norton's picture
By Margaret Norton
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...

How To Benefit from The Fair Credit Report Act (FCRA)

 
 
 
 
 
April 14, 2008
Margaret Norton's picture
By Margaret Norton
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,...

How To Ruin Your Credit Rating

 
 
 
 
 
January 2, 2008
Bronwyn Harris's picture
By Bronwyn Harris
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!

How To Eliminate Personal Debt Faster

 
 
 
 
 
November 30, 2007
By John L. McKinley
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.

How To Use Credit Cards Responsibly

 
 
 
 
 
October 17, 2007
Bronwyn Harris's picture
By Bronwyn Harris
Don't let credit cards control you - be in control of your credit cards!

How To Use an FHA Loan

 
 
 
 
 
February 20, 2007
By Brad Halvorsen
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...

How To Take Out a New Construction Loan

 
 
 
 
 
February 16, 2007
By Brad Halvorsen
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...

How To Take Out a Jumbo Loan

 
 
 
 
 
February 16, 2007
By Brad Halvorsen
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...

How To Use a Payoff Calculator For Debt Reduction

 
 
 
 
 
February 6, 2007
By B. Danesco
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...

How To Repair Your Credit Report

 
 
 
 
 
February 2, 2007
Mary Stasiewicz's picture
By Mary Stasiewicz
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...

How To Get an Emergency Cash Loan

 
 
 
 
 
December 19, 2006
By Ashtyn Evans
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,...

How To Get a Commercial Real Estate Loan

 
 
 
 
 
December 19, 2006
By Ashtyn Evans
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...

How To Find Alternatives to Student Loans

 
 
 
 
 
December 18, 2006
By Ashtyn Evans
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...

How To Get a Debt Consolidation Loan

 
 
 
 
 
December 13, 2006
By Ashtyn Evans
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...

How To Enroll in a Debt Management Program

 
 
 
 
 
December 13, 2006
By Ashtyn Evans
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...

How To Learn About Debt Management Plans

 
 
 
 
 
December 11, 2006
By B. Danesco
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...

How To Use a Bridge Loan

 
 
 
 
 
November 29, 2006
By Brad Halvorsen
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...

How To Get Signature Loans

 
 
 
 
 
November 29, 2006
By Brad Halvorsen
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...

How To Consolidate Your Debts

 
 
 
 
 
November 27, 2006
By Ashtyn Evans
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...

How To Get Credit Card Debt Relief

 
 
 
 
 
November 25, 2006
By B. Danesco
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...

How To Get Debt Counseling

 
 
 
 
 
November 25, 2006
By B. Danesco
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...

How To Borrow Money Quickly

 
 
 
 
 
November 23, 2006
By Ashtyn Evans
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...

How To Get Credit and Debt Counseling

 
 
 
 
 
November 19, 2006
By B. Danesco
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...

How To Fix Your Credit

 
 
 
 
 
October 29, 2006
By Stacy Popke
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...

How To Consolidate Your Credit Card Debt

 
 
 
 
 
October 14, 2006
By Brad Halvorsen
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....

How To Learn About Reverse Mortgages

 
 
 
 
 
October 11, 2006
By Brad Halvorsen
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...

How To Learn About New Bankruptcy Laws

 
 
 
 
 
September 22, 2006
By B. Danesco
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...

How To Use Credit Repair Services

 
 
 
 
 
September 20, 2006
By Robin Shreeves
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...

How To Answer Your Bankruptcy Questions

 
 
 
 
 
September 19, 2006
By B. Danesco
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,...

How To Avoid Bankruptcy

 
 
 
 
 
September 11, 2006
By Julie Bonner
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....

How To Get a Loan If You Have Bad Credit

 
 
 
 
 
August 31, 2006
By Stacy Popke
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...

How To Get Credit Counseling

 
 
 
 
 
August 21, 2006
By B. Danesco
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,...

How To Get Direct Loans

 
 
 
 
 
August 21, 2006
By B. Danesco
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...

How To Apply for a Credit Card

 
 
 
 
 
August 21, 2006
By Stacy Popke
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...

How To Get Payday Loans

 
 
 
 
 
August 15, 2006
By Julie Bonner
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...

How To Take Out Fixed Rate Loans

 
 
 
 
 
August 5, 2006
By Brad Halvorsen
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...

How To Learn About Pre-Paid Credit Cards

 
 
 
 
 
August 5, 2006
By Brad Halvorsen
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...

How To Apply For Government Home Loans

 
 
 
 
 
August 3, 2006
By Julie Bonner
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...

How To Declare or File Bankruptcy

 
 
 
 
 
August 2, 2006
By Julie Bonner
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...

How To Decide Between Types of Bankruptcy

 
 
 
 
 
August 2, 2006
By Julie Bonner
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...

How To Get Credit Cards After Bankruptcy

 
 
 
 
 
August 1, 2006
By Julie Bonner
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...

How To Get a Student Loan

 
 
 
 
 
August 1, 2006
By Julie Bonner
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...

How To Use Home Equity Lines of Credit

 
 
 
 
 
July 30, 2006
By Brad Halvorsen
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...

How To Take Out Home Equity Loans

 
 
 
 
 
July 30, 2006
By Brad Halvorsen
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,...

How To Take Out Interest Only Loans

 
 
 
 
 
July 28, 2006
By Brad Halvorsen
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...

How To Determine an Affordable Mortgage Rate

 
 
 
 
 
July 26, 2006
By Brad Halvorsen
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...

How To Get Auto Loans

 
 
 
 
 
July 26, 2006
By Brad Halvorsen
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...

How To Consolidate Your Student Loans

 
 
 
 
 
July 26, 2006
By Robin Shreeves
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...

How To Dispute Credit Report Errors

 
 
 
 
 
July 24, 2006
By Julie Bonner
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...

How To Get Mortgage Loans

 
 
 
 
 
July 17, 2006
By Brad Halvorsen
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...
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