Archive for the ‘Credit’ Category:
0 Interest Credit
When I first heard of 0 interest credit cards, I was shocked and amazed. I mean, why would they offer that to you, it was like a free loan for months at a time. So I got a credit card, and at first tried to exercise restraint, but soon I was using it for practically everything. I bought vacations, plain flights, my groceries, my new guitar, everything in it, thinking I’d pay it back later. In the time I was 18 years old and playing in a rock and roll band, and I though I could pay it all back later. How niave I was, but what fun those days were. We travelled all around the country, Click to Read More
Secured Credit Cards
There are many times when something can happen, and you end up with bad credit. Though some people do this because they don’t know any better, or because they don’t care, some have no choice. There are times in life when things are out of your hands. For example, if you are a victim of identity theft, you may not be able to restore your credit. Also, divorce can have a bad effect on anyone’s credit and there may not be anything you can do to prevent it. Either way, there are some things you can do to rebuild your credit, and finding the best secured credit cards is one Click to Read More
Non Profit Credit Counseling
Non profit consumer credit counseling may sound like a good idea, but trust me, it is often not worth it. There are many non profit credit counselors out there who are solely in the business to cheat you. Don’t get me wrong just because something is non profit credit counseling doesn’t mean it is a scam. Nevertheless, many of these credit counseling non profit organizations show the telltale signs of a scam. They will tell you that they can make it much easier for you to repay your debt, that they can reduce your payments by an amazing percentage with almost no financial risk Click to Read More
3 Major Credit Bureaus
Some of us have no business writing about the three major credit bureaus, and some of us have no need for all that is involved in the 3 major credit bureaus. (And some of us fit in both of these categories, having no real assets to work with or write about!) In the same respect, the leading bureaus do factor into most of our lives if we have ever purchased a home, a car, or other major item or if we use credit cards. When we shop for autos or houses or even appliances or electrical or computer equipment, and we want to finance the items (get them on a loan to own or credit basis), the ones Click to Read More
Tags: 3 major credit bureaus
Advance Payday Loans
Advance payday loans can be a life saver if you are really broke and need some money before payday, but be warned because their rates can be outrageous. They can sometimes charge up to 15% of what they loan to you to finance your advance cash loans, or even more. The people who use these things are all or almost all really poor people just a little behind on a payment of some kind, perhaps rent or something like that. They get the advance payday loans because they are out of options. They are living paycheck to paycheck and hand to mouth and are a few days behind so they are desperate to do Click to Read More
Bad Credit History: A Nightmare!
Having a bad credit history can be a real nightmare and major source of headaches! With a bad credit history, you are pretty much financially disabled from everything, except transactions that can be covered with cash. -Finding an apartment to rent, -Trying to buy car, -Putting a down payment on a house, -Or applying for a credit card or a loan from a bank, can all be activities you are basically barred from with a bad credit history. Banks, businesses and landlords can see a bad credit history a mile away and will avoid you like the plague. And it seems like all the steps that are Click to Read More