Applying for a bad credit loan is simple

If you’re one of the many people harbouring a fear of applying for a bad credit personal loan, there are easy ways to overcome your phobia. Many people have the same problem, but to overcome it, you must first recognize and address your fear, namely find out what it is you fear about the process …

Bad Credit Loans

The issue of bad credit loans is of course one that has plagued the West in recent times and indeed internationally as well. One aspect of bad credit loans has become ubiquitous namely “subprime lending”. Bad credit can also be known as ‘adverse’ credit history, ‘non-status’ credit history, ‘impaired’ credit history, additionally ‘poor’ credit history …

Tips for Tacking Your Bad Credit

If you’re suffering with bad credit, it can be hard to get back on track. Bills go into collections and this is what really hits your credit the hardest. There are a number of people that are using credit counseling and this is a great place to start. Here are a few other tips that …

Valuable Tips for Maintaining Your Credit Score

Having good credit is something that many people earn. It’s not something you’re given and nowadays seems to be harder and harder to maintain thanks to a falling economy. Millions of people are losing their jobs, and it has become a spiraling effect. Job loss equals no money coming in, and in turn bills cannot …

Payday Loans – Real Questions Answered

As you may have noticed, payday loans have been getting a lot of attention recently. Because of this, you probably have some questions about what they are and how they work? In this article, you will find some of the most common questions about payday loans, with all the answers you need to make a …

Ways to protect yourself from identity theft

When it comes to identity theft, there are many things that you can do to protect both your good name and your hard earned credit. Thieves cannot get your information unless you supply it to them. The best way to prevent identity theft is to simply protect your information. The thieves aren’t really getting smarter, …

The Issues with PPI

Loan protection policies commonly known as PPI were created to allow people to keep paying their loans and mortgages in the event that they are unable to pay due to sudden unemployment (i.e. illness, retrenchment, accidents) or similar conditions that hinder payment and/or cause loss of income.  With this insurance the initial lump sum paid up front and …

Saving at age 40: Is it possible?

If you reach age 40 and realise that you have not done enough to save towards your future, you certainly aren’t alone. Sadly, more than a third of people over the age of 65 have found that they are unable to retire due to the fact that they will not have enough money to sustain …

How To Repair Your Own Credit Report – Part 2

3. Identify and mark the
negative items on your credit report. Here are the items you’re looking for: -late payments
 -charge-offs 
-collections
 -bankruptcy 
-judgments
 -repossessions
 -foreclosures
 -tax liens
 -inquiries that you don’t recognize as belonging on your report 4. Stop! It’s time to do some homework! I bet that’s not what many of you wanted to …

How To Repair Your Own Credit Report – Part 1

Do you want to repair your own credit report, but aren’t sure where to start? Here is a step-by-step guide to make repairing your own credit a little easier for you. Before we begin, I need to remind you that I am not a lawyer, and what you are about to read is not, and …