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How APR(Annual Percentage Rate) works with credit cards.
One of the most important factors when deciding which credit card to choose is a comparison of the APR, or Annual Percentage Rate. This is the cost of credit, the actual interest rate, determined on an annual basis and expressed as a yearly rate. By...
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...
Store cards, credit cards and loans - how to borrow money effectively.
You don't have to have the lifestyle demands of Paris Hilton to need extra money these days. According to Credit Action, the total UK personal debt was 1,122 billion, a growth of about 10.5% over the previous year and in the UK and each adult in the...
THE BEST CREDIT CARD REWARD: FOR THOSE WHO HAD BEEN NAUGHTY AND NICE
Think about it. If people would normally pay all their credit
card balances in time, then what is the purpose of interest
rates?
None.
And how will people get the benefits that their credit card
company claims? It is through the credit...
Warning: Today's "Non Profit Credit Counselors" Are Yesterday's Bill Collectors!
Here's a dirty secret, today's "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy! In the "debt collection biz", creditors will sell your...
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You can still remortgage even with bad credit!
If you wish to organise a bad credit remortgage, don’t just head automatically for a specialist....
A good mortgage company will adjust its lending criteria to suit the times, thus lenders are constantly evolving to suit the remortgage UK market. As a result, some mortgage providers have adopted a more accommodating attitude towards bad credit.
Credit problems - the result of not being able to make a payment on a financial agreement - range from a small, unintended mispayment of a bill, to a large repeated mishandling of personal finance.
A mortgage provider will be wary of lending a sizeable amount to someone with a proven track record of falling into arrears.
You may be at one of the following stages:
1) You’re having problems getting credit – such as a personal loan, credit card or mortgage – on the high street
2) You already have one of the above, but have missed a couple of payments so are unsure where you stand
3) You’ve had problems in the past and are currently on a specialist loan at a high interest rate
Rather than calling a specialist in bad credit
loans, why not try a reputable mortgage broker first?
A good broker will be able to assess your case and will know which lender might be sympathetic to your circumstances. A lot of it will depend on how bad your credit history is and what the loan to value is on your mortgage.
However, you may be surprised to find that rather than being placed on a bad credit mortgage loan with a high interest rate, you may be offered a standard loan at the same rate as any other borrower.
If you’ve had problems in the past and have been paying a high rate for several years now, your recent track record might be enough to render you eligible for a standard loan. In other words, you may be able to switch to one of the best mortgage deals on the market.
About the Author
Anthony Harrison is Managing Director of Capital Mortgage Solutions. They are a specialised UK mortgage broker who help people with credit problems obtain mortgages when they may have been refused elsewhere.
Visit them at www.capitalmortgagesolutions.co.uk
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| Springboard - Non-Profit Consumer Credit Management |
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| 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. |
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| Credit - Wikipedia, the free encyclopedia |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| 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 ... |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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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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