|
Fix a bad credit score
It is easy to see why you will want to fix a bad credit score. Having a bad credit score can be costly. Not only does it cause an individual to pay higher interest rates for credit, but it can also affect whether or not they are approved for loans....
Getting a Mortgage With Bad Credit
If you are looking for a home or are considering refinancing
the one you are already into consolidate debt or get some cash
out for home improvement but believe you may be unable to
because you have bad credit, you may want to reconsider.
...
New Money As Credit
"Labour accepts that private financial institutions like banks
should be allowed to issue new money as credit"
The full significance of this statement, correctly understood
and widely known, would fundamentally change the whole...
The Credit Card Disease
The little disease that comes with those credit cards. Oh yes, we all get it in the mail, all those offers to get a credit card. So tempting 0% financing for a year, no payment for 3 months, $10,000 credit line, and the most dangerous, YOU ARE...
What is on Your Credit Report?
Your credit report is a very important piece of the puzzle in your financial picture. It contains a historical record of your personal and financial information including a listing of your current and past debts and the timeliness of your payments....
|
|
| |
|
|
|
|
|
|
Bad Credit Personal Loan and Bad Credit Loans
Bad credit personal loans are widely available these days. These are personal loans marketed to individuals with a poor credit score or poor credit history. A bad credit personal loan can be obtained through a lender who specializes in bad credit personal loans or through some banks. Many bad credit personal loans can be found on the Internet. This makes applying and getting approved fast and convenient. Despite the accessibility of bad credit personal loans, all borrowers will want to weigh their options before signing for a loan.
There are different types of bad credit personal loans. Some are for long terms and range into the thousands while others last only a week or so for a few hundred dollars. The beauty of many bad credit personal loans is that they are unsecured, meaning they do not require collateral. The borrower doesn't have to hand over the title to their car or some other personal property to the lender until the loan is paid off. This sounds beneficial, but lenders often make up for this factor by charging a higher than average interest rate or attaching a fee to each $100 borrowed on the bad credit personal loan.
For a lower interest rate, borrowers may want to consider trying for a secured bad credit personal loan and putting up collateral. There is no harm in doing this if you know you will be faithful in making your loan payments on time. The best way to get a lower interest rate on any type of loan, though, is to work on improving your credit. No matter what type of loan you take out, bad credit will always cost you more money in interest.
Sometimes bad credit personal loans are needed immediately. In these cases, borrowers will need to know what requirements they have to be met. Each lender
has different requirements for a bad credit personal loan, especially long-term, large loans. The quickest way to find out is through a phone call to a local lender or a visit to the lender's website. Some require that the borrower make a minimum salary per week or month after taxes. Some also require that you have been with your current employer for at least six months. Others require no history of bankruptcy within the past ten years.
You may want to avoid taking out a bad credit personal loan because it will leave another blemish on your credit report. Consider why you need the bad credit personal loan. You may need it to save some personal property from being repossessed or just to stay afloat for a few months. If this is the case, you may want to talk with a financial counselor or someone in your church who is experienced in budgeting. Sticking to a careful budget can save you a lot of money and help you improve your credit so that the next time you need a personal loan, it won't have to be a bad credit personal loan.
For more information about bad credit personal loan, visit:
http://personalloans.christianet.com
http://personalloans.christianet.com/articles.htm
http://www.christianet.com
About the Author
Christian N,
http://www.ChristiaNet.com
http://blogs.christianet.com
Featuring numerous life application articles and tips.
|
|
|
|
|
| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
| Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
| www.credit.com |
|
| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
| www.equifax.com |
|
| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
|
| Federal Trade Commission - Consumer Credit Center |
| Features an assortment of helpful articles related to credit issues. |
| www.ftc.gov |
|
| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
| www.annualcreditreport.com |
|
| Springboard - Non-Profit Consumer Credit Management |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
| www.credit.org |
|
| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
| myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
| www.myfico.com |
|
| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
| www.credit-suisse.com |
|
| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
|
| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
|
| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
|
| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
|
| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
|
| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
| www.freecreditreport.com |
|
| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
| www.moneysupermarket.com |
|
| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
| www.fordcredit.com |
|
| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
|
| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
| www.creditmag.com |
|
| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
|
| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
|