Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan, youve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so its well worth your time to be sure that you understand what your credit report says about you.Even if youre not ... more...

Non-conforming Home Loans vs Conforming Loans
The simple definition of a "non-conforming home loan" is: You have a job and can make the payments. Your credit is used only to determine your interest rate and the loan amount to value of the home ratio. This ratio is referred to as your "LTV" or "Loan To Value". There are many lenders who will ... more...

What Your Mama Never Told You About Debt Consolidation Services
When someone is extremely deep in debt, and he or she has no other options to prevent bankruptcy, debt consolidation can be his or her savior. Debt consolidation can also be a very wise choice for someone who has many debts on high interest credit cards. Debt consolidation, quite simply, is the ... more...

Why You Should Choose Debt Consolidation
If debt is currently an issue in your life, debt consolidation really can save you from the stress of bills, debt collectors, and the nagging thoughts of foreclosure or even bankruptcy. Debt consolidation can drastically change your life within weeks, months, or years depending on your current ... more...

Get a Loan With a Poor Credit Rating
How do you go about obtaining a loan if you have a poor credit score? Is it even possible if you have declared bankruptcy? Well, the short answer is yes. It may be difficult however, so you should be ready to put up with a few rejections. You should also be ready to accept higher interest rates and ... more...

When Debt Collectors Cross the Line Bogus Threats & Illegal Collection Tactics
If you are behind on your bills and on the receiving end of collection phone calls, you will probably hear collectors make some very threatening statements. While most debt collection professionals try to stay within the boundaries defined by the Federal Fair Debt Collection Practices Act (FDCPA), ... more...

Get Out of Debt
It is said that a pet tiger cub can become dangerous if it tastes blood. It will stop at killing no one, not even the people who brought it up. Similarly, once we get the taste of money and the freedom of purchasing through credit, we seem to know no bounds. What do we land up with? Heaps and heaps ... more...

Bad Credit Debt Consolidation Loans - Getting a Debt Consolidation Loan, Even With Poor Credit
An online debt consolidation loan allows even people with a poor credit to reduce their overall monthly payments and regain their financial footing. While there are personal loans that allow you to do this, tapping into your homes equity is a better option.Choosing A LoanRefinancing your home to ... more...

Planning for Your Financial Future
Two heads are better than one, so sit down with your spouse and plan out your financial future together. Prioritize your bills.By determining which bills to pay in which order, you'll get in the habit of making sure your essentials are always paid first.Be careful using credit. Sometimes a ... more...

How To Get A Credit Card No Matter How Bad Your Credit Rating
Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.But bad credit is not the ... more...