No credit car loans buying options for people with no credit history

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Occasionally, having no credit history can be as bad as having a poor credit history. Before granting credit, lenders need to gauge an applicant’s creditworthiness. If you have no previous creditors, a prospective lender may consider you a high risk and either deny a credit application or offer a high interest … Read The Full Post

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5 ways to protect a good credit score

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5 Ways to Protect A Good Credit Score. Credit has been tough to obtain these days, especially with a moribund real estate industry, and a lingering recession that’s continuing to do a lot of damage to investor and consumer confidence. Whether you want to buy a new home or car, or … Read The Full Post

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Will new bankruptcy laws benefit you

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There are 2 sides to the changes in bankruptcy rules.

It will be a lot harder to file bankruptcy under chapter 7 and get a totally clean slate.

For businesses, relying on issuing credit, the new personal bankruptcy law is doing great, reducing personal bankruptcy claims from the thousands to double … Read The Full Post

Categories: Debt Consolidation Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |

How college students can avoid having bad credit

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As the cost of going to college continues to increase, many students make the mistake of taking on debt they can’t handle. They may choose to take out credit cards or student loans, and end up with a lifetime of bad credit. Most students in college don’t have the income to … Read The Full Post

Categories: Credit Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |

Increasing problem of credit card identity theft

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Credit card identity theft can be a very costly problem. In today’s world of increasing credit card usage, it is no longer a rare instance where a criminal may be able to make use of your credit card for his own gain. He does not need to have your “plastic” in … Read The Full Post

Categories: Credit Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |

Your credit scores again

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It’s important for every consumer to learn what a credit score is and how to improve it. Most consumers do not know what their credit scores are, but these scores are used in dealings with such diverse agencies as credit card companies, home equity lenders, auto loan lenders, and finance companies … Read The Full Post

Categories: Credit Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |

Bad credit loans calculating your interest rate

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There are a number of factors used by lenders that go into pricing the interest rates on a loan. These factors can broadly be broken down into two categories:.

• The product you are seeking.

• Your credit rating.

In many cases, it is the nature of the credit you are … Read The Full Post

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Credit counseling clients hurt by new bankruptcy requirements

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The Bankruptcy Abuse and Consumer Protection Act was passed in early 2005 with the overwhelming support of the President, both houses of Congress and the major credit card companies. The law, which created sweeping changes in American bankruptcy law, was passed in order to reduce the possibility that consumers with heavy … Read The Full Post

Categories: Credit Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |

Debt management advice

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The best debt management gives you the most financial options. By making regular payments and having a low debt to income ratio, you can access credit when you choose. If you aren’t in that situation, then ask for help from the variety of debt management companies out there. In the end … Read The Full Post

Categories: Debt Consolidation Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |

Debt consolidation can you cut it

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Debt consolidation is supposed to help you get free of debt. By combining a lot of smaller debts into one big loan you can pay the debt off with lower repayments. So how come a lot of people have the same debt load two years later?.

Answer is, they treated the … Read The Full Post

Categories: Debt Consolidation Tips And Tricks | General Knowledge Tips And Tricks | Personal And Family Finances Tips And Tricks |