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Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

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Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

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Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.



Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

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Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out or a debt consolidation loan.

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

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Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

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Good or Bad Credit Personal Loan Application

Apply for a bad credit unsecured loan with no credit check or a personal loan of up to $10,000. A payday loan offers instant, guaranteed approval and is ideal as an emergency cash loan. A long term personal loan offers lower interest but requires good credit. Compare benefits of a short term and a high risk loan and submit an online application.



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Whether you have bad credit, no credit, fair or excellent credit scores, a wide range of consumer financial offers are presented here for you to review before you submit your online application.


Services provided include auto loans, credit cards, debt assistance, credit reports, mortgage and personal loans for all credit types.


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In Chapter 7 Bankruptcy, a trustee is selected who collects non-exempt property, sells the assets, and distributes profits to the creditors. It is different from other bankruptcy filings because the debtor doesn’t need to make payments to the trustee. With Chapter 13 Bankruptcy, the debtors are allowed to keep all of their property while the court approves a new interest-free plan for repayment.

Daily Credit Advice: Establishing a good credit history; or rebuilding damaged credit, should be your first step before applying for a loan or credit card. The next step is to decide which type you need, whether a secured or an unsecured credit card, an auto or a personal loan, etc. Only then should you compare offers and finally submit an online application.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - © Copyright Bad Credit Checking, 2010. All Rights Reserved

Chexsystems and Telecheck: You may be wondering “how does my bank know that I have bad credit?” Well, if you have had trouble with bad checks, bounced checks, or worse check fraud with that bank in particular then they will have their own file, but most banks use one of two systems to monitor prospective clients… Chexsystems and Telecheck, usually Chexsystems.

Chexsystems and Telecheck work a lot like the major credit reporting agencies in that you have a record of your financial transactions, but they work primarily with banks to let them know whether a checking or savings account applicant has a bad track record with money. If you bounce checks often, overdraw accounts, have a negative outstanding balance somewhere or worse, have committed check fraud, then you will end up in Chexsystems and will have a lot of trouble finding a bank that will let you open a checking account. There are some banks that do not use Chexsystems out there, but they are few and far between, so it will be tricky to open up a checking account with bad credit. 

Second Chance Checking Accounts: Fortunately, there is an answer. Since there are a lot of people who are either stuck in Chexsystems, or just have bad credit and are having trouble finding a bank that will work with them, you can open what is called a second chance checking account, also known as a bad credit checking account at some banks.

Second chance checking accounts are appropriately named because they give people with really bad credit a second chance at rebuilding their credit in a positive way. Obviously you can’t repair your credit if no one will allow you to work with them or lend to you, so second chance accounts were invented. Basically the way that they work is that they allow you to have the benefits of a checking account, like direct deposit, debit cards etc, but there are restrictions on the account that prevent you from doing something that you shouldn’t, and thereby protect the bank from a significant loss.

Can You get a Checking Account after Bankruptcy? With the instability that the US economy has been undergoing since latter 2008, this has caused many Americans to file bankruptcy due to losing their jobs as well as having their homes foreclosed on as a result of the economic downturn. Once the bankruptcy has been filed and a person’s debts have been charged off, many consider immediately starting to rebuild their credit. This can be a difficult process if there is no longer a bank account from which to get started.

The question that is oftentimes asked is “can you get a checking account after bankruptcy?” Despite the difficulties involved, it is not a hopeless situation. With a little bit of due diligence and some research, you can open a checking account once you have filed bankruptcy and want to get started re-building your credit again. Here are some steps to take in order to open a checking account once your debts have been discharged.

Start by searching online as well as at banks in your local community to find out what financial institutions will permit you to open a checking account. Try to contact banks that do not use ChexSystems for verification purposes. In most cases, you will find that credit unions and smaller banks are your best bet.

If you have negative entries on your credit history, due to ChexSystems issues, but you have paid those debts off, contact those banks in order to have those entries removed. If you can’t get them removed, have a note attached to the ChexSystems entry to show that the debt has been paid in full.

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Payday Personal


When something happens in life, that may require money that is not available, getting money fast may be necessary. This is when many people seek a payday loan using online lenders. It could take banks days to complete paperwork on some consumers, and they may have strict requirements that may lead to a loan rejection. When something is needed right away, other resources may need to be pursued. 


Not all people are able to get approved for thousands of dollars, but some people with bad credit are often able to get approved for a couple hundred dollars. The reason this can be possible, is due to some lenders who are willing to take a risk, or they do not run a credit check. This is good for many people who have less than perfect scores. It only takes a couple of minutes to complete easy online applications for a paycheck loan.


Being able to find a temporary financial solution, to solve some financial problems, have helped thousands of consumers. It does not matter why a loan may be needed, but it does matter that the loan be repaid on the due date. This helps eliminate any added late fees that could be charged. Some lenders report payment habits, which can help rebuild credit if no late payments are reported. When there are is not a credit card to use to repair poor credit, some people just apply for a small loan, with a payday loan company who reports payment habits. Just make sure an amount is borrowed that can be repaid. Over time, positive paying habits can help build low scores. 


Companies have loans that usually fit many financial situations, and they provide a secure site so that personal information can be protected. It is always important to tackle any financial problems fast to avoid paying late fees. Getting money that is needed to pay bills on time, happens to millions of Americans every day. Some lenders do direct deposit, and get the funds into a checking or savings account within hours of applying.


Beware of applying for too much money. Some lenders will approve an applicant for more money than what may be requested. The danger is that it is tempting to take more than what is needed and that can be repaid when it is due. Once the process begins, some lenders are able to get the applicant money within hours. Since lenders have specific credit types they service, applying with the one who services an applicant's specific credit type, can help increase the chances of getting approved.


Don't let financial problems get out of hand, when there are solutions to get money fast. Review all details for unsecured, no collateral personal loans before applying. Make sure the repayment date is one that will be attainable. Avoid getting more money than is really needed, to be able to repay the loan. Some lenders do not require a bank account, yet having one can sometimes speed up the process of getting money.

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