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Bad Credit Loans - You Do Have Options
If you are one of the millions of people walking around today
with a bad credit rating, you may well be wondering how you'll
ever be able to get a loan again in the future. Well wonder no
longer. If you need a loan and have bad credit, the...
Credit And Debt Management
Today's consumers benefit drastically from the usefulness of credit. Credit cards are especially useful for large purchases, emergency situations, reservations, identification, and protection from fraud. Unfortunately, millions of consumers abuse...
Finding low interest credit
Getting low interest credit to finance your home or car, or to get a low interest credit card requires that you have good credit. Bad credit can disqualify you from many loans and from securing low interest rates. It is important to find low...
How Important is a Credit Policy?
"Know your customers". Every business owner knows how important it is to keep your customers happy and coming back for more.
In "Become the Squeaky Wheel," Michelle Dunn explains how a credit policy is relevant to their customers. "If they don't...
Student Credit Cards 101: A Student's Guide to Credit
If you’re a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on? - Because financial debt is one of the main reasons that many students end up dropping out of...
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Poor Credit And No Respect
One of my favorite comedians of all time was the great Rodney Dangerfield. This bug-eyed king of the one liners made millions of dollars proclaiming how he didn't get any respect. His comedy was priceless. The saying "I don't get no respect" easily can be converted from the comedy stage into the direct lives of anyone that has ever lived with poor credit. Don't understand where I am coming from? Simple enough. Just call any seller financed home and state that you have terrible credit but you want to come and see the home, and that the credit shouldn't cause a problem as one lender said they would help. Watch how you are treated. Now, call another seller financed home and state that you really don't need the seller financing as your credit is great, it's just you saw the home while driving by and want to look at it for potential purchase. Now, watch how they treat you. You will surely find two dramatically different receptions.
The sad thing is, it doesn't just happen in the real estate arena. Those of us with poor credit are looked at as second rate citizens. If we can't rent a car, stay in a hotel, or buy a late night informercial
offering, then we are not worth dealing with. I wish I could count the hundreds of people that were passed over for promotions, job opportunities, or a host of other things, all simply based on their credit score. Isn't it odd that people do not take the time to see just what caused the poor score? I mean, it isn't always due to bad decisions on the part of the individual with the bad credit. I have seen many instances where it was due to divorce, illness, and a host of other factors.
One of the main reasons we started the Poor Credit Loan Program on a nationwide level was to do away with the finger pointing and unwarranted assumptions. Our goal was to place everyone on the same playing field and get the scores up so the individuals could really be players. I must say that it is paying off to. We are seeing hundreds of clients monthly moving their scores up and finally leaving the rental trap. My momma always told me to look past the obvious...And she was right!
About the Author
Patrick Zanders is co-owner of ACR Systems who offers the National Poor Credit Loan Program. You can find more out about the program at www.acresystems.net
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
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