Be Careful of Inquiries on Your Credit Report
Every time that someone looks at your credit report, the inquiry is noted. If you have lots of inquiries on your report, it may appear that you are shopping for several loans at once - or that you have been rejected by lenders. Both make you appear a poor credit risk and may affect your credit ... more...

Finding the Best Home Improvement Loans
When the time comes to do work around the house, finding good deals on home improvement loans can be vitally important.Home improvement loans can be used to help you improve any part of your house or other real estate, providing you with the money to get the materials that you need and to hire the ... more...

Understanding The Different Types Of FICO Credit Scores
Before credit scores were developed, lenders use to physically look over each applicants credit report and credit history to determine whether or not to extend credit. This process was highly time consuming and sometimes resulted in large human errors.As a result, Fair Isaac created the credit ... more...

Saving Dimes Can Go a Long Way
On the other hand, there are those people who are saving dimes and every other cent. Perhaps its because they hate the clutter of change but want to get rid of it instead of letting it accumulate elsewhere or still rely on the fact that change has value and should be used accordingly. For those ... more...

What's Missing on Most Home Buyer's Checklists?
In a search for "Home Buyer's Checklist," I found articles, spread sheets, and tips with differing advice. Some of this advice includes:1. Know your location2. Negotiate price3. Check for amenities and compare to other homes4. Inspect the house for defectsIt seems that the real estate websites want ... more...

How Do I Calculate How Much Life Insurance I Need?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance companys obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of premiums while you are living.Do you really need life ... more...

Refinance Car Loans - Refinancing Your Car Loan Online is Convenient
Refinancing your car loan online is now more convenient. Your online application can be approved within an hour with most online car loan lenders. In as little as a day, you can have a check in hand to pay off your old lender and start saving money.When To RefinanceA decline in interest rates is ... more...

Five Steps Before Filing Divorce
Getting a divorce can be stressful and full of situations that are tremendously challenging. Without having some kind of divorce support, it becomes tempting to avoid dealing with it altogether, leaving the prospect of staying in an unhappy marriage as a festering thought in the back of both of ... more...

Credit Traps Snag Consumers
Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card ... more...

Alternatives to Filing Bankruptcy
Deciding to file for bankruptcy is a decision that should not be taken lightly. Too many people opt for this decision before finding out what other alternatives are available to them. Filing for Bankruptcy should be your last resort if possible. We have listed some alternatives for you to consider ... more...

What Is In Your Credit Report And What It Means To You
If you have applied for a home loan, car loan, or a credit card, you have had your credit report reviewed by a lender. The information in your credit report has a major impact on your ability to get a loan and your credit-worthiness in general. It is not unusual for a potential employer or ... more...

Ten Steps To Building A Good Credit History
Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, whats on your credit report will determine if you can get a loan or insurance and what rates youll have to pay.If youre trying ... more...

The Truth About Home Improvement Loans
Are you planning to stay in your home for a long time, but you aren't quite satisfied with the look of your home? Do you think your home could use new cabinets in the kitchen? Perhaps your house needs a new roof or new carpets? Or maybe you think your house needs a new bathroom? If you are ... more...

A Single Mother Resource to Success
The core of budgeting for single mothers is to see your monthly spending needs and habits. The purpose of a budget allows you to track your personal cash flow. Your personal cash flow is how much money comes in and how much goes out.First Step to Household Budgeting Adding up your monthly income ... more...

A Personal Loan And Your Rights
You can use a personal loan for many different things including, but not limited to, paying off bills, taking a vacation, buying a car and much more. Interest rates on a personal loan will vary, depending on your credit rating and the institution you are choosing to get your personal loan from. It ... more...