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Credit Card Security Advice
Which of the following is the biggest threat to your credit card security? a) Shopping online with a credit card b) Shopping in a real store with your credit card c) Ordering something over the phone with your credit card The answer may surprise...
Credit Reports
Credit reports are, quite simply, electronic records of your credit activities. These activities can range from borrowing money to buy a car to applying for a loan or credit card or missing payments on loans you have taken. The report is generated...
How Credit Cards Work?
A credit card is a piece of plastic, which carries information
electronically. A person can use the credit card by just swiping
it on the machine to send the card information to be verified.
The size of the credit card is 3-1/8" x 2-1/8". You can...
How Your Credit Rating Affects You, and How to Check It.
You might not know it, but every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit reference agencies...
What you need to know about debt negotiation on credit cards
Debt negotiation on credit cards is often referred to as credit card debt settlement. Whenever you make a credit card payment- or even pay your utility bills- it usually gets reported to one- or all- of the three main credit agencies. This...
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A Guide to Finding an Adverse Credit Homeowner Loan
If you're searching for an adverse credit homeowner loan, you might not know where to turn. After all, it seems like no one wants to give you the time of day if you have less than perfect credit, much less give you a loan.
There are lenders who will be more than willing to give you an adverse credit homeowner loan, though… the main thing is knowing where to look.
Before we discuss where to look, though, take a moment to make sure that you know what an adverse credit homeowner loan is first.
Securing a loan with equity
One of the most important things to remember about getting an adverse credit homeowner loan is that if you have equity in your house or real estate, then you can get a loan.
Equity is a measure of the amount of money that you've invested into your home by making payments against the mortgage, and is described by some people as being the percentage of the house that you actually own.
An adverse credit homeowner loan uses the equity in your home as collateral to secure the loan, guaranteeing that the lender will get their money back.
The amount of equity that you have is what the lenders base their decisions on as to the loan amount you're eligible for… if you have more equity then you'll be able to get a bigger adverse credit homeowner loan.
Finding a lender
Some people think that there aren't many lenders who would be willing to grant an adverse credit homeowner loan, but in truth they're practically
everywhere.
Many banks and finance companies are more than willing to grant a loan as long as there's enough security, which in the case of an adverse credit homeowner loan is provided by the equity of the house.
If you're unable to find a lender in your area that offers the loan that you want, you can also check online… many online services offer faster response, lower interest rates, and more convenience than standard banks, and can be accessed from any computer with an internet connection.
Getting the best rate
Take your time and investigate the rates of several lenders before deciding on a single adverse credit homeowner loan.
Doing a little research beforehand will help you to identify which lenders have the lowest interest rates and best loan terms, and will let you compare the rates offered by online services and those in the real world so that you can see for yourself which is the better deal.
A little extra time spent in the beginning of your search to find the lowest interest rate can translate into big savings later, so don't be afraid to get quotes and shop around for the best loan for your money.
You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:
About the Author
John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk website.
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