|
Bad Credit Auto Loan - Your best options?
Bad Credit Auto Loan - Your best options?
A bad credit auto loan isn't impossible to find-- it just takes a little work! If your credit is a little dented and dinged, it doesn't have to shut you out of an auto loan. There are those companies...
Bad credit - why so prevalent?
Many "experts" blame the epedemic of credit problems in current society on factors such as lack of stable permanent employment, relegation of importance of marriage and the family unit, inadequate healthcare and insurance provision and failing...
Credit Card Processing: Beat the System by Passing Processing Fees to Customers
Imposing surcharges on credit card transactions is illegal, and
it will only lead to problems. The secret to beating the credit
card processing system is not charging more for credit card
sales, but instead is charging less for cash sales. It may...
Free Annual Credit Reports - Strategies to Avoid Imposter Websites
In a 2004 amendment to The Fair Credit Reporting Act (FCRA), a
new system providing free credit reports was initiated. The
amendment requires each of the three national Credit Reporting
Agencies (CRAs), Equifax, TransUnion, and Experian, to...
Using the credit card balance transfer feature
Credit card balance transfer is an important feature for many credit card users. It allows them to transfer their debts from one credit card to another. This is significant if their new card has a lower interest rate than their previous one. Credit...
|
|
| |
|
|
|
|
|
|
Repairing Credit Essentials
There are essentials to repairing your credit and building your
history. It depends on your situation, but in most cases you can
find a way out of any debt situation. Debt relief is a stressful
situation. When times are hard the last thing we need is to add
more stress to our lives.
Therefore we want to start out by acknowledging the problems in
front of us. Once we acknowledge the problem we can take the
next step to find a resolve. Now that we have some essential
steps to repairing credit, we next want to review some of the
options available to us. There are many steps we can take to
eliminating debt.
Repairing your credit means that you must learn the different
scams on the marketplace to avoid complicating your situation
and adding to your debts. Telemarketers that claim to get you
out of debt in three minutes are obviously scammers that are
trying to make a buck. Anyone that tells you they can help you
get out of debt and charge you are fee are basically a source of
scammers.
The best solution then for getting out of debt is learning to
rely on your self. Repairing credit has its good and bad
essentials. The basic rule of thumb is to search a way that
works best for your situation. Today we are going to take a look
at some of the good basics in credit repair. If you are in debt
and own a home you probably have insurance coverage. If so you
might be able to take an advance payment against your insurance.
Life Insurance Coverage may offer a payback solution after you
have paid in on the plan for a length of time.
It might be wise to check out your policy to see if there is
some type of disbursement plan available. If you are able to get
a lump sum be sure to payoff your debts rather than spending
your money freely. You may even want to check into your Home
Mortgage agreement and the insurance coverage available.
If you are suffering debt problems related to injuries or even
suffer a Terminal
Illness some policies will make payments on
your mortgage until you are back on your feet again. If you are
off work due to unemployed as no result of your own then you may
be qualified on your insurance policy a coverage that makes your
payments until you are back at work.
If you don't have insurance coverage you might or you have
insurance coverage that doesn't offer this options you may want
to check with your lender to find out if there is a refinance
loan available to you that offers lower monthly installments and
lower interest rates. If you get into another loan you want to
make sure that you are not paying more than you already are. If
you decide to take out a refinance loan make sure that you are
aware of the upfront fees that often are included in mortgage
loans. What about car payments? Are you paying a fortune on your
car each month? If so there maybe an option that can get you
some relief. You may be able to refinance your car, or else sell
your car, making more money than what you owe on your loan. The
extra cash can be spent toward a good used car. Sometimes used
cars tend to last longer than newer cars and are less expensive
to maintenance. Also, you could look into a repossession of the
vehicle if your situation is out of hand. This will go against
your credit report, but when there is no other solution
sometimes we have to toss in the towel.
Finally, you can increase your income by selling valuable
assets or else finding a job that pays more for your worth.
Sometimes we work and are paid less than what we deserve, so if
there is a solution available by all means jump on it. Repairing
credit has many essentials, but for the most part credit repair
is just an illusion where many people do not take the step to
repair.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
|
|
|
|
|
| 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 |
|