Category Archives: Credit Score

borrow money

6 Reasons to Never Borrow Money

There are times when an emergency knocks at your door and the only thing you can think off is borrowing money to cope with the unexpected expense. Some other times you may simply consider the idea of borrowing money to pay for something that could not wait for your payday or the time you need to save the money to purchase it. Whatever could be the case, you should never borrow money for you own good sake, particularly if payday loans are the only solution that you can see.

best loan interest rates

How to Find the Best Loan Interest Rates Available

Interest is applied to the majority of loans, especially personal loans. It could mean that you pay thousands extra, depending on the amount you borrow and the length of the term. However, there are steps that you can take to decrease the amount of interest applied to your finance. Here are some steps to consider taking.

Increase Credit Score

How to Increase Your Credit Score

It is important to have a high credit score for a number of different reasons. If you should ever need to get a loan or obtain a credit card you will have a hard time doing so without a good credit score. The credit score is an all-powerful force that has the ability to determine whether you can get a loan, a credit card, and even an apartment. If you have already done damage to your credit score you should not be discouraged. There is hope. There are a few things that you can do to improve

Credit improving

5 Credit Improving Tips You’ve Never Heard

My oldest friend, Brent, used to tell me stories during school about his mom’s schemes to avoid paying for major purchases. The gist of the plot revolved around using credit to buy something they needed, like a washer and dryer, and then eventually declare bankruptcy to “get out of the money owed.” Beyond the questionable legality of her actions, the plan ultimately resulted in an appalling and nearly unredeemable credit score.

Home Mortgage

Deciding Whether To Refinance Your Home Mortgage

It can be very difficult to resist refinancing your home when rates dip to historic lows. But regardless of how tempted you are, refinancing should be considered a sensitive issue that requires a lot of thought. Refinancing may bring numerous benefits, but some homework is required to figure out whether refinancing makes financial sense.


Know the detail when selecting a credit card

Credit cards were the source of major problems when the recent financial crisis developed. Credit Card companies had been happy to recruit more and more users with special offers and often increased credit limits unsolicited as people reached their current limits; they did not mind as times were good and the real profit they made was on the outstanding balances left at the end of every month.


What should your financial priorities be in 2013?

Few people expect the economic climate of the early years of the Century to return and even fewer expect the casual way in which everyone handled their finances in those years to return either. The shock of unemployment and falling real estate prices caused by the Collateralized Debt Obligation (CDO) problems is a lesson that will take years to forget.


6 Unorthodox Credit Score Strategies

Credit scores can be complicated business. Many people don’t know what their credit scores are until they are rejected for something. Some people are overly worried about their credit score and attempt to do whatever they can to improve it. The following are six strategies often thought to improve credit scores. But do they actually work?

sale credit

How to Deal With Point of Sale Credit

Profit is at the heart of all business transactions, but in retail sales the initial aim is to get as many potential customers through the door as possible. This can hinge on the credit facilities advertised. To achieve maximum results sales staff must be fully conversant with the credit terms on offer, and ideally the credit staff should be on hand to advise when necessary

credit repair DIY

Tips On DIY Credit Repair

Are you tired of creditors calling you? Perhaps you have been embarrassed by being denied credit. Do you have plans for a major purchase, such as a car or house, and you’re fearful your credit score is going to hold you back? Get ready to get back on the right track. Follow these tips for DIY credit repair.