A 580 credit score isn’t the end of the world but you will need to increase it to get the best rates Credit scores are a lot like your health, you don’t even think about it until something goes wrong. Whatever you did to get a 580 credit score, it’s probably now keeping you from getting the money you need at a rate you can afford. That’s ok because now that you’re thinking about your score, we … [Read more...]
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What Can You Do With a 620 Credit Score?
A 620 credit score will lock you out of a lot of opportunities but there are still doors open if you know where to look Questions about credit scores are the most common I get from readers and the 620 credit score seems to be the one where most people get stuck. It’s not quite really bad credit but still not good enough to get approved for loans at a rate people can afford. That’s why I … [Read more...]
6 Cheap Options for Car Repair Loans
Finding the best car repair loans and options means knowing what questions to ask first Car repairs are the #1 reason people report getting forced into debt and eventually bankruptcy. More than any other reason from overspending to gambling, emergency expenses on your car could be the most dangerous thing you face financially. That doesn't mean the occasional car repair needs to push you … [Read more...]
The Shocking Difference Between APR and Interest Rate
The difference between an interest rate and APR may end up costing you thousands What’s the first thing you look for when applying for a loan? The interest rate, right? The stated interest rate gets the most attention when we apply for a loan but it may surprise you that it’s not the true cost of your loan. The interest just from that annual rate doesn’t include fees and commissions and may … [Read more...]
Is it Possible to Get Bad Credit Home Loans?
Follow this simple process for bad credit home loans at rates you can afford First let’s start by saying I hate the term ‘bad credit’ and bad credit home loans are no different than regular home loans. The banks have separated ‘good credit’ and ‘bad credit’ by saying everyone below a certain credit score, usually around 640 FICO, without even looking at the borrower’s credit report. So there … [Read more...]
