Credit Repair

Financing with Bad Credit – How to Buy a Home?

When it comes to financing with bad credit, there are plenty of things that you can do. If you are also having the American dream of owning a home, do not let your poor FICO score create obstacles in your way. There are several options available out there. It is possible to obtain a mortgage with no money down even if your credit is not perfect. Your awareness, patience, and consistency in your efforts are the key factors in this regard. ...Read more>>

Is Financial Literacy Possible Through Credit Counseling Program?

Credit counseling program is considered to be beneficial if you’re unable to create a budget plan and stick to it. Due to lack of financial education most of the Americans incurred overwhelming debt and complicated their financial life. In this situation, they opted for credit counseling program to help them prepare a budget plan and the certified counselors provided financial literacy to their clients. ...Read more>>

Guide to Refinancing Mortgage with Bad Credit

When it comes to refinancing mortgage with bad credit, there are several things that you need to take into your careful consideration. The option to refinance is always alive no matter how bad your credit situation is. It is just that it becomes a little difficult to get the approval. Besides that, you may not be able to get the low rates. If you are ready to make a few compromises, there are plenty of ways to do it. ...Read more>>

Guide to Refinancing an Auto Loan with Bad Credit

Just because the FICO score is not at par, it does not mean that there is no way to refinance an auto loan with bad credit. It is just that you may not be able to get the best rates, but since the refinancing option is always open, you can get much better rates in future by doing another refinance once you achieve a better credit score. Depending upon the specific purpose you want to achieve, you may end up having a higher/lower interest rate and/or a longer/shorter loan term. ...Read more>>

Financing with Bad Credit – How to Qualify for College Loans through FAFSA?

Financing with bad credit is not a big problem, especially when it comes to getting college loans. Considering the very fact, education costs are skyrocketing with every passing year, it has really become very difficult for people to finance education on their own; after all, most of us have very limited monthly income and we have to look after other expenses as well. When your parents cannot afford the high cost of college tuition and when you do not even qualify for any grant or scholarship, college loan is the only alternative left for you. But, even if you are studying in a college, the lenders are going to check your credit score. However, a bad FICO score is not going to stop you from obtaining education. ...Read more>>

Financing with Bad Credit – How to Buy Furniture?

Most people in the United States of America have very limited monthly income. Education expenses, medical expenses, grocery bill, income tax, utility bills – after making payment for all these things, they often do not have enough cash to buy things like furniture, let alone buying a home or car. Just like you obtain loans to buy cars and homes, you can also get a loan to finance your furniture. Financing with bad credit though can be a bit difficult, but not impossible. ...Read more>>

Tips To Obtain A Low-Rate Personal Loan With Bad Credit

Getting a low-rate personal loan with bad credit sounds like a far-fetched dream, but luckily, there are still several ways out there that can help you turn this dream into reality. Because of bad credit, you will generally be considered as a very high-risk borrower. A low FICO score indicates that you have not been very good in handling your debts and finances. Your applications for personal loans may get rejected straightaway on the ground of your irresponsible financial behavior that your credit report indicates. Following are a couple of strategies that can prove to be very useful and can eventually help you qualify for low-rate loan offers despite the poor health of your credit. ...Read more>>

3 Major Factors To Work On To Qualify For Bad Credit Loans For Cars

When it comes to bad credit loans for cars, the options abound. Though major banks and financial organizations are likely to reject the car loan applications from those who are struggling with low or bad credit score, there are still many organizations available out there that might just be willing to finance your car, that too, at a favorable rate. In fact, many such organizations specialize in these types of loans only. So, the first thing is that your focus should be on sub-prime lenders. Now, here are the three major factors that you have to work on. ...Read more>>

How To Qualify For Bad Credit Home Loans?

Though it is true that bad credit home loans are not out of the realm of possibilities, it is also true at the same time that the process is not an easy one. Therefore, the first thing you have to do is to accept the hard fact that you have a bad credit score and that the journey to getting a home loan is not going to be smooth. You will have to be strongly determined in your approach. Besides that, you will also have to be financially responsible, in a highly disciplined way. Following is a brief rundown on some of the basic steps that you need to follow in this regard. ...Read more>>

Buying A Real Estate Property With Bad Credit

When it comes to buying a real estate property with bad credit, there are several things that you need to take into your careful consideration. With the introduction of the new lending laws in the United States of America, things have now become much more difficult for those with bad credit issues in the past, especially if they are trying luck with conventional mortgage programs. However, just because you have a bad credit, it does not mean that you cannot buy a new piece of real estate or invest in some vacant land. Following is a brief rundown on what you can really do to improve of chances. ...Read more>>

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How Changes To Payday Loan Law Can Save Consumers From Debt Traps
Payday lending laws have changed over the last few years to protect consumers from payday loan debt. Payday lenders have received much bad press recently. Often they are called loan sharks. Public hostility ag... Read more

What are the pros and cons of debt consolidation?