Top Ten Reasons People File for Bankruptcy
1. Eliminate the legal obligation to pay many of your debts.This process of wiping the slate clean is called a discharge of debts. The goal of a discharge is to reduce debt to give you a fresh start. Whether it is through straight bankruptcy (Chapter 7 Bankruptcy) or through reorganization (Chapter ... more...

Getting Cheap Term Life Insurance
Many people considering life cover will look for cheap term life insurance, because it is probably the simplest and least expensive way to protect their partners and familys financial future in the unfortunate event of their death.If you have dependants or a mortgage, then it makes sense to take ... more...

What is the Difference Between Unsecured and Secured Debt?
A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house or an automobile. With secured debts, if you fall behind on payments, the lender can repossess the property that originally secured the debt. An additional drawback ... more...

Guide to Unsecured Loans
Outlined below is a guide to unsecured loans. It will give you a better understanding of what an unsecured loan is as well as what to consider before applying for one.As the name implies, an unsecured loan does not require the borrower to put up any security against it. An unsecured loan is a ... more...

Like It Or Not, You Have A Score To Settle! Part 1
Just when most people finish with school and can stop worrying about test scores, theres a new kind of scoring that enters the picture. Its called credit scoring. And, its impact on your financial future can mean more to you than a college degree.Why Its So Important:Ever wonder how a creditor ... more...

Money Problems?
You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.Have ... more...

Options to Avoid in Credit Repair and Building
There are several options available that make people believe it is a solution for freeing themselves of debts.One solution you want to avoid is borrowing money from finance companies. The companies that advances for consolidating loans and requires that you put your home or car up for collateral ... more...

Get Your Credit Score To Soar In The Twinkling of An Eye
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home ... more...

Credit Scoring: What You Don't Know Can Hurt You
You've probably heard the term credit scoring. You may have some idea that your credit score can have an effect on your life. For example, you may understand that when you apply for a mortgage, the mortgage company will check out your credit score.But did you know that the interest rate you can get ... more...

What is Credit Scoring?
Have you ever wondered what is credit scoring? Credit scoring is a system creditors use to help determine whether or not to give you credit.How does a creditor decide whether or not to grant you credit? Creditors use credit scoring systems to determine if you'd be a good risk for credit cards and ... more...

Why Choose a Secured Personal Loan?
Listed below are some of the many reasons why you should choose a secured personal loan. A secured personal loan is often referred to as a homeowner loan. A secured personal loan is secured against your home to act as security to the lender for the money you have borrowed.It is a low interest loan ... more...