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Bad Credit? Can you still get a bad credit car loan?
Thinking of applying for an fixed auto loan or car loan? You
should start requesting for your credit report as soon as
possible. All creditors, commercial banks, finance companies and
even unconventional loan sources where you apply for an...
Discovering A Better Motorcycle Loan With A Better Credit Score
It is common knowledge that motorcycle financing companies’ base high importance on your FICO credit scores when approving motorcycle loans. However, what many people overlook is that their FICO credit score can dramatically impact the term on their...
Opt out of credit cards offers to protect your privacy
Your credit reports are being screened without your knowledge or permission. The purpose of this screening is to market products and services to you through mass mailings (junk mail)! If you have received offers for "preapproved" credit cards,...
Perks of Citibank Credit Card
Citibank credit cards offer a wide range of benefits. Basically,
all of it features offer clients with security during
emergencies, the advantage of not bringing cash and checks, and
improving independence and responsibility in...
Unsecured Credit Cards : What's the difference?
There are a lot of terms associated with the credit world. With such daunting vocabulary as variable APR or secured card, sometimes people can get confused about just what a feature of a credit card means.
First, we'll discuss what a secured...
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Student Credit Repair Solutions for Building Credit
There are solutions for students to repair their credit. Believe
it or not but it is possible to get out of a student loan
obligation. First you must determine what type of student loan
you owe. Once you come to this determination you will next need
to contact the proper sources and ask them to terminate your
loan.
If you can't repay the student loan this is the best option,
since you are at risk of a law suit, garnishing of wages, or
loss of tax refunds. It depends on the time when you took out
the loan and what type of loan you are under obligation to
repay, but for the most part you can call and ask for a
cancellation.
If your school is negligence and has issued you a loan under
false pretense, you may be able to cancel your loan. Also, if
you are disable and see that you can no longer work, your may be
eligible for a cancel of payment. If you are in the military, of
a full-time member in certain organizations you may be able to
cancel your loans. Also, if you have paid your loans fatefully
yet it comes a time you are having difficulty making ends meet,
you may qualify for a deferment on your payments.
Your lenders may even offer you an option of 'forbearance' if
they decide they don't want to defer your payments. This means
they will temporarily lower your monthly student loans until
your are able to meet regular payments. There are many options
available to students in a rut. If you have sought out all
options and nothing has proved results you may want to consider
a consolidation loan. Usually when you ask for a loan
consolidation your payments are lower each month. The downside
with consolidating loans is that some of the companies that
offer this option will charge monthly fees and interest against
your loan. This means you will be paying minimal payments on
your combined loans, putting you at risk, while paying a fee to
the consolidator.
You might want to consider refinancing your student loans. This
is an option available to you. Some banks will offer you a
loan
so that you can repay your current loans. This gives you the
advantage of paying off one debt and lowering your monthly
installments on other debts. You might even want to look at
asking for grants that help pay your student loans. Sometimes we
are able to apply for a FASA grant that we don't have to pay
back. This option means that the government will payoff some or
all of your student loan. Rarely does the government payoff
loans unless the student has high potentials of achieving.
You could also ask for a flex payment on your student loans. If
you have a Stanford Loan you have the course of ten years to
repay this loan back once you graduate. The flex loan is an
option where you call and ask for an extension on your loan.
This gives you more time to repay the loan and hopefully your
school efforts would have paid off by then. It is possible to
repay a student loan in the course of 30 years, if you know what
you are doing.
This means that you will pay higher payments each month over a
period of time, and as time progresses you can pay lower monthly
installments. The problem with these types of extensions on
loans is that you are not repairing or building your credit,
rather you are digging a deeper hole to bury yourself.
The reason is interest is attached to this type of offer and
often those interest rates add up to thousands of dollars.
Before you get into any obligation make sure you know what you
are getting into. If you can get the government to payoff your
student loans, obviously this is the best option for repairing
credit. Student loans are an obligation that sometimes leads to
a headache. Remember when you applied for a loan you took an
oath to repay a debt that could benefit your future. Therefore,
finding a solution is the best recourse to repairing credit.
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
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| en.wikipedia.org |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| 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 |
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