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5 Tips for Savvy Use of Your Home Equity Line of Credit
Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary...
A Few Thoughts on Securing a Bad Credit Mortgage Loan
Over spending, the endless nights of partying, eating out and
more or less buying everything on a whim, has most likely put a
dent in your financial situation and will affect how you live
your life for years to come. Clearly, the best option is...
Avoiding Credit Card Traps
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folded paper written in legalese that you promise...
Learn How to Repair a Bad Credit Rating
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Learn How to Repair a Bad Credit Rating
You may have discovered that if you have a bad credit rating, it
is extremely difficult for you to get financing, loans, and
perhaps even...
Repair Your Credit...The Right Way!
Copyright 2005 MHG Consulting
How to Repair a Bad Credit Rating…The Right Way!
If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.
Once you have a bad...
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Bad Credit Debt and Loan Consolidation Advice
Are you deep in debt and have a bad credit history? If you
answered yes to that question, finding a company who offers a
bad credit debt and loan consolidation service may seem like the
perfect solution. It is very important however, to investigate
all of your options before taking such a drastic step. Bad
credit debt and loan consolidation solutions usually come at
quite a hefty price so it is important that you choose carefully.
Many people who have large amounts of debt do not need any form
of bad credit consolidation as long as every every effort is
made to spend less and pay off bills. Obviously, you don't need
to pay a professional bad credit consolidation advisor to find
that out.
Before you consider taking out any kind of bad credit
consolidation loan, it is important to call the companies that
you owe and plead your case for lower interest rates and a
longer payment schedule. You may well find that you will be
given reasonable arrangements if you explain that you are
considering using a bad credit consolidation service. Many firms
would prefer you to pay less over a longer period of time than
have to deal with the negotiations of a bad credit consolidation
agency.
The interest rates of most bad credit consolidation packages are
more or less the same and any very low rates that are advertised
are for people who have great
credit. You need to be sure you
know exactly what the cost of entering the bad credit
consolidation program is, and whether it will be worth it in the
end, so you should inquire about interest charges and any other
fees that might stack up during the program.
Your credit rating may or may not benefit from working with a
bad credit consolidation plan however it is unlikely to make
your credit rating worse. Many creditors will actually see that
having a bad credit consolidation plan in effect as a sign of
you trying to get your finances back on track.
A bad credit consolidation plan and loan is most certainly a
better option than declaring bankruptcy. Bankruptcy will follow
you for a long time whereas the bad credit consolidation loan
only remains for as long as you are paying it off. Chapter 7
Bankruptcy will be part of your financial history for roughly 10
years. Chapter 13 can be much longer depending on how many years
you need to pay off your debts. If you do decide to go forward
with declaring bankruptcy, rather than taking a bad credit
consolidation loan then make sure you are prepared to deal with
the consequences.
About the author:
Jordan Dunham is an expert on consolidating
student loans, visit
http://www.students-loan-consolidation.org/ today for
information.
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