|
|
10 Tips for Avoiding ID Theft and Credit Fraud
10 Tips for AVOIDING ID THEFT AND CREDIT FRAUD Article excerpted from the new book, “How to Do Space Age Work with a Stone Age Brain” TM copyright 2004, all rights reserved, by Eve Abbott, the Organizer Extraordinaire Each year billions of dollars...
Credit Card Tips: How to combine credit cards to earn maximum cash rebates?
Before we look at how to best combine cash rebate credit cards to maximize the cash rebates you can earn, it is very important to understand the different types of cash rebate credit cards available and also how the type of purchases you make is...
Introduction to Consumer Credit
Consumer credit refers to credit in some form given to the
consumers. It is a way of financing a client on condition of a
deferred payment, at a later date or within a particular period
of time.
The businesses that provide consumer credit...
Travel Rewards From Using Your Credit Card
Responsible use of your credit card allows flexibility and
leverage as it helps people manage their money. By using the
principle of interest rates in credit, it allows large and
expensive purchases like buying furniture and appliances.
Payment...
You are your Credit Scores Worst Enemy
When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they...
|
|
|
|
|
|
|
|
How To Get A Bad Credit Student Loan or Student Loan Consolidation To Help Your College Education?
The best time to start getting information about bad credit
student loans and student loan consolidation is your junior year
in high school. In order to determine the exact amount of the
loan that you would require, you should research thoroughly on
the various available schools, and also on the courses in which
you are interested. You need to properly plan out your bad
credit student loan so as to obtain it easily. A bad credit
student loan is particularly helpful when the universities
require the students to pay the tuition fees immediately.
Many students are not able to pay for their education, and thus
they need student loans. Students with a bad credit can also
need bad credit student loans. However, the main disadvantage of
bad credit student loans is that a higher rate of interest has
to be paid on them. Thus, you must collect a lot of information
about the student loans before applying for one.
Students who are looking for a bad credit student loan should
pick three schools they are most interested in, talk to the
admissions office, and ask what is needed to apply in their
school.
A bad credit student loan is payable only after the student has
completed his or her education, and has started earning a
certain minimum amount. Since April 2005, the minimum amount
that the candidate of the bad credit student loan is required to
earn has also increased. Bad credit student loans are available
as both secured and unsecured loans, depending on whether you
are a homeowner or not. The rate of interest to be paid on
unsecured bad credit student loans is higher than that on
secured bad credit student loans. This is because the secured
bad credit student loans are backed by your home as a security.
Why Should I Consider Student Loan Consolidation Now?
Student loan consolidation can have many benefits for the career
minded student. Many students don't have thousands of dollars to
pay their way through college.
This is why many college students use student loans to get
themselves through college. When it comes time to pay back their
student loans, it can be a real burden and a distraction from
their career.
You should know how to get the best student loan consolidation
rate and plan for your credit situation.
What Is Student Loan Consolidation?
When a student first applied for several student loans from
several different
agencies and student loan providers, they each
gave a different interest rate and term for paying back the
loans. The idea of student loan consolidation, is to take all
the different student loans and put them into one easy
convenient loan. You then only have to make one monthly loan
payment every month, instead of several loan payments every
month over time. Having less checks to write every month is just
one benefit of doing a loan consolidation.
The loan rates offered will be based on your financial situation
and credit. With a FICO credit score under 600, it can be a
challenge to get good rates and plans.
3 Benefits You Can Get With Student Loan Consolidation
1. Lower Monthly Payments. Depending on your credit situation
and the type of lender you choose, you may be able to lower your
monthly payments by up to 50%
2. Having Fixed Interest Rates. With some federal consolidation
loans you can have a fixed rate for the life of your student
loan. You can check online to calculate the interest rate on a
new student loan consolidation based on the rates of your
current student loans.
3. Extending Your Payment Period. You may have a lot of student
loan debt. With federal consolidation loans you may be able to
extend the payment term up to 30 years. It's a good idea to
realize you will end up paying more interest over the life of
your student loan consolidation. The idea is to get some
leverage until your career takes off.
Online Resources To Help With Bad Credit Student Loans And
Student Loan Consolidation?
With today's Internet resources, you have an advantage when
looking for bad credit student loans and consolidation of your
student loans. If you take the time now to do research on the
process of getting a bad credit student loan or consolidation ,
you may be able to avoid some of the hassles of getting approved.
There are many websites with services that can help to make it
easier to see if you can qualify. These sites have many tools
and information to help you get the best interest rates
available for your credit situation.
About the author:
Dean Shainin is a consultant specializing in student loan
consolidation. Get valuable resources, tools, information and
more articles on student loan consolidation, visit this site: Student Loan Consolidation
|
|
|
|
|
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 |
  |
|