Getting a peer loan with no credit and no cosigner doesn’t have to be at double-digit rates if you follow these steps Credit is something you really don’t think much about until you need it. I see all the debt-free blogs and the money experts tell people not to worry about their credit score and never use any type of loan. If only life were so easy. Everyone will need debt and credit at … [Read more...]
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What Can You Do With a 650 Credit Score?
A 650 credit score is not bad credit but it is below the important cutoff for prime lending The most common questions I get on the blog are about individual credit scores and none are more frequent than the 650 FICO score. FICO doesn’t release its credit score data but I would put good money on a bet that the 650 credit score is one of the most common among American borrowers. It’s where my … [Read more...]
5 Tricks I Used to Fix Credit Fast and Boost My FICO
Your credit score is more important than you know. Here's five tricks to fix credit fast. Are you tired of getting turned down by banks for the money you need? Want to get the financial respect you deserve? It’s all in your credit score, that little three-digit number that determines how much money you get and how much you pay each month. Your credit score is more than just getting a … [Read more...]
How to Use Consolidation Loans for Bad Credit
Consolidation loans for bad credit can be one of the best financial tools in your toolbox but understand the risks first Shopping is too much fun! Top it off with the fact that wages haven’t budged in more than five years and it’s easy to get in over your head with credit…and get sucked into the bad credit trap. Miss a payment and rates shoot up on all your credit debt. Your monthly payments … [Read more...]
4 Action Steps Before You Ask Family for a Loan
Four questions that will help you prepare to ask family for a loan without being embarrassed Is there anything more awkward and embarrassing than asking family for money? I think most people would rather sit through a root canal than ask for a loan. But it shouldn’t have to be that way. It amazes me how easy it is to get a loan online but how hard we find it to ask the people that trust and … [Read more...]
