Singing pirates aside, you should always keep an eye on your credit report, which you can see once a year from one of the three credit reporting agencies for free per American law. Some states will let you see it as often as you want, still free. This only helps, however, if you understand what the credit score scale means. Continue reading
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Scams Using Green Dot MoneyPak
Since there are consistently people in the world who will stop at nothing to scam you out of your money, there are also consistently companies trying to figure out safer ways for consumers to do business. Green Dot has the MoneyPak system, allowing consumers who do not have a bank account to purchase cards and use them as debit. You can reload them and use them to pay your bills. Unfortunately, scammers have caught up and are trying to cheat people out of those as well. The good news is that there are some ways to avoid and outsmart scams using Green Dot MoneyPak Cards. Continue reading
How Do Home Equity Loans Work?
If you need money, you may be considering a loan. While there are many options, a home equity loan is one of the most popular. But how do home equity loans work, anyway?
Your home equity is the amount your home is worth on the current market, minus the amount you owe on it. Sometimes, the lender will send someone to appraise the property to be sure of its worth before finalizing the amount they are willing to loan you. These appraisals can cost up to four hundred dollars, but you can generally have that cost worked into your loan payments. Continue reading
Ask Your Credit Card Company to Lower Your Rate
Chances are, you have a credit card in your wallet right now. Maybe you use it for everyday purchases, or maybe you only use it when you have to spend a large amount of money and you don’t have the cash. It’s also highly possible that you’re paying more in interest than you care to or, more to the point, should be. You could look for another credit card. Or you can call your credit card company and ask for a lower rate. Continue reading
Guaranteed Bad Credit Loans are Bad News
You know how the saying goes. “If it seems too good to be true then it probably is.” If this is true anywhere it is especially true when looking at guaranteed bad credit loans. If your poor credit report is keeping you from receiving a traditional loan, this may sound like a good option. But you should know that there are some limitations that could make this loan less desirable. Continue reading
Before You Choose a Debt Management Group
Debt management groups, or debt counseling agencies, are good sources if you are over your head in debt. They work to make your debt more manageable, from helping you create a plan to negotiating with creditors to lower interest rates and sometimes balances. Continue reading
Zero Percent Balance Transfer Credit Cards
The most common type of debt in America today is credit card debt. When so much has accumulated, and interest is so high, it sometimes seems worthwhile to use a second credit card to take care of the debt on the first, but a lot of times this does little to help. However, some credit cards offer a zero percent interest rate when transferring credit card balances that you may want to look into. Continue reading
Stafford Loans 101
May people are starting to see college as an investment that is growing increasingly difficult to afford. If you have looked into financial aid, you may have heard of Stafford loans. Continue reading
Getting Student Loans After Bankruptcy
If you are having financial problems, you probably notice the advertisements telling you that college graduates make more money on average than those who did not go. While you would probably love to make more money, you may be wondering how you can afford to go back to school. Traditionally, you may have considered a student loan, but if your credit score has been affected by bankruptcy, would you qualify? Continue reading
411 on 125 Home Equity Loan Rates
If you take the current market value of your home, and subtract from that what you owe on your mortgage, you get your home equity. If you ask a bank or credit union to lend you money based on this amount, you get a home equity loan. If you also have a good credit score and income, you can get the 125% Home Equity Loan Rate. Continue reading
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