Tag Archives: credit score

Unsecured Personal Loan Offers

Unsecured Personal Loan Offers

An unsecured personal loan is a great way to consolidate debts and get a fixed monthly payment at a lower rate.

Here is a look at current personal loan offers from top lending companies if you want to borrow $5000.

UpStart

With the UpStart personal loan offer the estimated APR is between 13.5 and 17.5%. You can expect your monthly repayment to be about $175 per month.

This is a good loan to take if you have little credit history. They do charge an – Read more

How To Rebuild Your Credit After Bankruptcy?

How To Rebuild Your Credit After Bankruptcy?

Bankruptcy discourages many creditors and lenders to do business with you. However, if you have a strategy in place after bankruptcy then you might just be able to get back on your feet financially.

When you file for bankruptcy, your credit score takes a hit and will end up in the lowest rankings depending on the severity of your bankruptcy and your past credit history.

However, there are ways that you can build better credit after you have – Read more

Student Loan and Repayments Tips

Student Loan and Repayments Tips

Here are some tips that could help you and your student loan repayments.

The Truth About Prepaying On Your Loans

It is not always clear if prepaying on your student loan is penalty free. Usually penalty free prepayment is listed as a benefit by student loan servicers, but this is true for all education loans.

If you have been thinking about prepaying on your loan, but have been worried about potential fees then you should contact your student loan – Read more

Surprising Things You Didn’t Know Affected Your Credit Score

Surprising Things You Didn’t Know Affected Your Credit Score

Generally we think that our credit score is only affected by credit cards and loan, but in fact there are certain applications or late payments that can hurt your credit score.

Lets take a look at surprising things you didn’t know affected your credit score.

Overdue Library Books

There are many libraries that are now employing collection agencies to aid them in collecting overdue library book fines. Libraries might not – Read more

Getting a Credit Card with No Credit History

Getting a Credit Card with No Credit History

Those that do not have credit with have a harder time getting approved for a credit card. This is due to the fact that you do not have a credit score yet and you will not have one unless you have at least one active account on your credit report for 6 months.

However, there are credit cards that have been specifically designed for those with no credit.

You Need a Job

You will need to have an income that allows you to make the repayments – Read more

Common Credit Card Misconceptions

Common Credit Card Misconceptions

In most cases opening a new single account will improve your credit score. This is just one of the many misconceptions that surround how credit cards work. Here is a look at some more of those misconceptions.

I Pay the Balance in Full, So I Don’t Have Any Debt

The smartest ways to use a credit card is to pay the balance off in full each month so that you don’t have to pay any interest.

This does look like that you aren’t incurring any debt, but – Read more

Save Money without Dramatically Changing your Lifestyle

Save Money without Dramatically Changing your Lifestyle

We know that we are able to spend less by making sacrifices, whether it’s eating out less to buying less and cutting back on items. It can be an effective way to save, but it is also painful.

Here is how you are able to save money, without changing yourself too much.

Get Healthy

Staying fit and being healthy is hard work, but if you are in good shape then you are able to save a lot of money on your life insurance and h – Read more

How Does Credit Reporting Work?

How Does Credit Reporting Work?

With credit it is important that you check your credit score each month. Your credit report will show not only your score, but also your payment history, debt and other factors that will have a bearing on your score.

The Credit Reporting System

There are three main players in the credit reporting system, those being the consumers, credit bureaus and financial companies.

Your creditors report the information about your credit card and loan accounts – Read more

How to Quickly Improve your Credit Score

How to Quickly Improve your Credit Score

If you want to buy a car, get an apartment or just take out a loan then your credit score needs to be in good order. It generally takes 7 years before any negative information is removed from your credit score, but there are a few ways that you are quickly able to raise your credit score.

Pay off Your Credit Card Balance

One of the factors that influence your credit score is how you use your credit. A major factor is your credit utilization – Read more

Consequences of Missing Credit Card Payments

Consequences of Missing Credit Card Payments

Missing credit card payments has its consequences and the actions that your creditors take can affect you for months. Here is what could happen with late credit card payments.

Charged a Late Fee

You will notice on your next credit card bill that it includes a fee that is for a late payment. Late fees can range depending on if it’s your first time being late in the last 6 months. You will then be charged a late fee month that your payment is – Read more

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