Everyone gets in financial problems at some point, make the best of a bad situation with these best bad credit loans options We’ve all been there, you miss a payment or just don’t have the money in your account to cover a check. Your credit score gets destroyed and interest rates jump. That means higher interest and higher payments. Once you fall into this bad credit trap, it’s almost … [Read more...]
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What are installment loans?
Installment loans are different from other consumer credit like payday loans and credit cards and can help you get back on track Payday loans have been getting a lot of attention lately with interest rates upwards of 500% a year. The topic brings up another type of loan called installment loans that might be a better alternative to payday lenders and credit card borrowing. One alternative that … [Read more...]
Debt Reduction Services and a Better Option to Save You Money
Debt reduction services can settle your debt but it also comes at a cost. Understand the pros and cons of debt settlement as well as other options available. Let me start off by saying debt reduction services are not my favorite financial solution…by a long shot. In fact, I’d say debt relief should be your last option if you absolutely don’t think you can avoid bankruptcy. Other financial … [Read more...]
Upstart Loans for College Students and Graduates
Upstart loans are great for college students and recent graduates with no credit score I’ve been writing about personal loans and credit for a few years now and have been using since my early 20s. One of the things I’ve noticed about loans and credit over the years is that there are really no options for students or recent graduates. This portion of the population has no credit history and … [Read more...]
How Applying for a Loan Can Ruin Your Credit Score
The difference between a hard inquiry and a soft pull on your credit report can mean a huge change in your interest rate Credit scores are like spouses…you don’t miss them until they’re gone! In all of personal finance, there may be no other topic more important and more misunderstood than your credit score. Having a great credit score can open up a world of cheap financing for a home, car or … [Read more...]
