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Dating? Be Wiser, Not Sadder but Wiser
Shelly’s been divorced for several years and finally in the mood to start dating again. Like most women, she took a long time for her broken heart to heal. She waited until her every thought wasn’t about her lost love. She lived with the pain,...
Dating Within your Faith: Challenges and Rewards
The pitfalls of dating in the modern world are many, and even the strongest individuals are sometimes caught in the snares of temptation. Even in the case of a person who's basically of good moral character, poor judgment is sometimes used...
Making Dangerous Dating Assumptions
When men and women are dating, they always seem to make assumptions about what is going on in the other person's mind. They have already decided on what the other person is thinking, what the other person wants, or what they need. Assuming things...
Personals - Online Dating Safety Tips
Tips To Secure Your Online Dating Safety
Online personals and dating can be a very fun venue towards
meeting that special someone. However, one's safety should still
be the top priority. Did you know that most online dating
services do not...
Updating Bathroom Furniture
It’s surprising the difference new bathroom furniture can make from the simple addition of a new bathroom vanity or bathroom basin. Sprucing up your bathroom and giving it some pizzazz can cost little money without breaking the bank. By carefully...
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Debt Help Online - How To Rebuild Your Credit By Consolidating Debt
By consolidating your debt you can rebuild your credit by making
on time payments, paying off your debts, and increasing your
cash reserves. Depending on your debt load, you can improve your
credit situation within two years, enabling to qualify for
better loan terms.
Consolidating Debts
The idea behind consolidating debts into one monthly payment is
that your rates and payments will be lower. With these lower
payments, you will have an easier time making monthly payments
with enough left over to save or pay off the principal.
You can consolidate your debts with either a home equity loan or
a personal loan. Home equity loans have a tax advantage with
their interest being tax deductible. You can choose from fixed
terms or a flexible line of credit.
Personal loans also allow for debt consolidation. These
unsecured loans are based on your credit history and income
level. They also have no or low closing costs with flexible
payment terms.
Making On Time Payments
To improve your credit history, make on time payments. The
easiest way to do this is through automatic withdrawal. You can
set this up with most lenders or through your bank. Just by
making on time payments for two years, you can improve
your
credit score.
Paying Off Debts
Your debt liability is also a factor in your credit score. By
making an effort to pay more than the minimum payments, you save
on interest costs while improving your credit. Also plan on
using extra cash from tax rebates or employment bonuses to pay
down your debt.
Increasing Cash Reserves
Increasing your cash reserves can protect you from a financial
emergency and improve your credit score. Ideally, you should
have 6 to 12 months of living expenses saved.
If you don't have reserves now, start creating them before you
make extra loan payments. This way you won't have to use your
credit for any unexpected expenses.
Finding Lenders
As with any type of financial decision, you should research
lenders. Online financing companies allow you to request near
instant quotes. While you want the lowest rates, be sure that
fees are also reasonable.
About the author:
See my recommended Debt
Consolidation Companies online. Carrie Reeder is the owner
of ABC Loan
Guide, an informational website about various types of
loans.
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