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Bad Credit? Get A Payday Cash Advance Loan With No Credit Check
Do you have bad credit history? Even with a recent bankruptcy or
foreclosure, if you are in need of some emergency cash, you may
want to consider getting a payday loan. The benefits are you get
the cash fast and it is an easy process, compared to...
Credit card refunds - when and how to ask for your money back
I'm sure most people have dealt at least once with unsatisfactory service. Quality complaints, products not up to standards or not what you would've expected. And, in the good American fashion, what did you do? You disputed the charges with the...
Get A Cheap Credit Card By Understanding The Fees
Credit card companies charge fees of some sort or another. The
key is to find a card with the lowest fees for the services you
use. For instance, if you use cash advances, then investigate
those fees with credit card companies before you sign up...
How to Make the Most of Your Credit Card Rewards
Many credit card companies are now offering their loyal cardholders credit card rewards. This provides the cardholder an opportunity to gain prizes just because they use their card. It is a great incentive for those that may not use their card much....
What's Your Credit Score, And What Does It Mean?
You've seen the commercial on television, no doubt. A potential buyer has just discovered that his credit score is 619. Now the number literally haunts him as he sees it on a man's jersey, on the side of a bus, just about everywhere!
For those who...
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What Does My Credit Score Mean?
Lenders are using credit scores more and more to make decisions about who they will lend to. The main developer of these scores is called Fair, Isaac Co (FICO), thus these scores are often called FICO scores. Scores range from 300-850 with a lower score indicating a higher chance of defaulting on a loan and a higher score representing a better chance that the lender will get paid back. The national average score is approximately 680.
Every lender sets up its own score cutoffs but generally speaking, you can expect to receive the following treatments based on your score:
300-549: Extremely difficult to find any lender that will offer you credit.
550-619: You may be able to find credit, but very high interest rates and fees will likely apply.
620-679: You should be able to obtain credit, but you will probably be offered a higher interest rate.
680-749: You should have no problem getting credit and you will receive good interest rates and repayment terms.
750-850: Lenders are happy to offer you credit and provide you with their best rates and terms.
These scores are becoming even more important to us as consumers over time. For
example, most insurance companies also check your score when you apply for car or home insurance. If your score is too low they might not even offer you insurance or they may offer it to you with higher premiums.
Many companies will also check your credit when you apply for a job. They look at how well you handle your personal finances as an indicator of how well you will take care of your professional responsibilities.
With so much at stake with your credit score it makes sense to know what your score is. TrimYourDebt.com has negotiated with the credit bureaus to offer consumers a free look at their credit report and credit score. It is a 30-day free trial offer, so you get the information right up-front and you can cancel free of charge within 30-days. To check your credit score for free, visit http://www.TrimYourDebt.com/GetYourCreditScore.aspx?src=art to find out now.
About the Author
Don Blackhurst has been working in the banking and finance industries for over 15 years and has an MBA with an emphasis in Finance. He is the co-founder of TrimYourDebt.com ( http://www.TrimYourDebt.com ), which provides free budgeting tools, debt planning, and credit help.
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